What a Pharmacy Technician Does

October 13, 2016

What Does a Pharmacy Technician Do?I have been writing articles on why and how to become a pharmacy technician, but some recent feedback has made me realize I left out the obvious. What is it that pharmacy technicians do in a pharmacy? Most people figure they help the pharmacist enter prescriptions and count pills. This is true for an outpatient pharmacy, also called a retail pharmacy, but there are many roles for pharmacy technicians in healthcare. The rest of this article will list different types of pharmacy settings and the roles that pharmacy technicians have in these settings.Community/Retail Pharmacy:I have worked retail, and I prefer other settings; however, it is where a large percentage of pharmacy technician jobs are found. What a pharmacy technician can do is determined by the state they work via state laws and rules. In general, technicians cannot provide clinical information to patients or be the final check for prescriptions. In some states, technicians are allowed to provide information on over-the-counter (OTC) medication (ie, medications that do not require a prescription, such as, acetaminophen and ibuprofen). Pharmacy technician tasks include, but are not limited to:• Collecting patient information (insurance and personal information as needed)
• Entering and processing prescriptions in the computer system
• Filling and selling prescriptions
• Requesting refills from doctor offices for patients
• Compounding medications that are not commercially available
• Ordering medications
• Restocking shelves
• Answering the phone
• Working with insurance companies on approving payment for certain medications
• Maintaining the cash register and conducting accounting functionsHospital Pharmacy:There are many different roles for pharmacy technicians in a hospital pharmacy. I know this type of pharmacy best since this is where most of my work has been. The most common are technicians who work in the central pharmacy. In addition we have decentralized techs, sterile compounding techs, billing techs, OR techs, narcotic techs, database techs, automation techs, team lead techs, and buyer techs. These technicians as a whole perform the following tasks, but not limited to:

(adsbygoogle = window.adsbygoogle || []).push({});
• Filling new orders, this includes a variety of medications from oral medications to specially prepared sterile compound medications (including chemotherapy meds)
• Answering the phone
• Tubing medications (if the pharmacy has a pneumatic tube station)
• Preparing medications for delivery
• Delivering medications
• Assisting floor pharmacists with medication histories
• Assisting floor pharmacists with IV drip checks
• Handling missing dose calls
• Billing medications where nurse charting does not bill
• Maintaining the pharmacy database
• Restocking operating rooms and anesthesia trays with appropriate medication
• Dispensing and tracking all controlled substances throughout the hospital
• Maintaining automation equipment [automated dispensing cabinets that store medication on nursing units, automatic fill systems (typically called Robot-Rx)]
• Purchasing of all medication and supplies needed in the pharmacy
• Leading and managing the technician workforce, including upkeep of schedulesLong-Term Care Pharmacy:I have worked at a couple of long-term care pharmacies, and I think it is a great place to be a technician. They typically employee a lot of techs because the work load lends itself to a lot of technician tasks. These pharmacies provide the medication needs for nursing homes, assisted living facilities, and psychiatric facilities. The typical pharmacy is located in a warehouse. It does not have an open pharmacy for people to come to; they receive orders by fax and deliver all medications via couriers or drivers to facilities. The oral medication is filled in blister packs (cards of 30 tabs that are used to provide a 1 month supply of medication), or some other mechanism that provide the facility with an extended amount of medication doses that can be safely and cleanly kept until doses are due. Pharmacy technician tasks include, but are not limited to:• Filling new and refill orders (different from hospital because of the number of doses provided)
• Processing new order and refills coming through the fax machine
• Order entry of prescriptions and printing of labels for fill techs
• Sterile compounding of medications (although there aren’t as many sterile compounded medications as a hospital, there are still enough that most long-term care pharmacies have a few techs specialize in sterile compounding
• Billing medications to homes
• Controlled substance dispensing and documentation
• Ordering medications and supplies
• Restocking medications that are returned that are still suitable for reuse.Home Infusion Pharmacy:These pharmacies primarily care for patients that require some form of IV or other non oral medication, and want to receive the therapy at home (hence the name home-infusion). I have also worked in a home-infusion pharmacy. As a tech I had a lot of experience in sterile compounding, and found my self in any position that needed a IV room tech. Pharmacy technician tasks include, but are not limited to:• Compounding sterile preparations in the clean room
• Preparing supplies associated with sterile medication administration for delivery
• Billing medications delivered to patients home
• Coordinating deliveries of medications with patients
• Entering orders in the pharmacy order entry systemNuclear Pharmacy:No, I have not worked in a nuclear pharmacy (I am sure you were staring to think I got around quite a bit, but I have been in pharmacy for about 17 years). I have some friends who work in a nuclear pharmacy. The hours are interesting; they usually come in at about 3 AM and work until about noon. These types of pharmacies make radioactive compounds and they need to be made in a way that when they are delivered to the hospital or clinic administering them, that the dose has degraded to a specific amount. Without going into too much detail, these medications have short half-lives. So they have to time the compounding of the product with the time it takes to deliver the medication and the time the patient is to receive the dose. The job pays well, but as you can imagine, there are not a ton of these positions available. Pharmacy technician tasks include, but are not limited to:

(adsbygoogle = window.adsbygoogle || []).push({});
• Preparing radioactive products
• Cleaning and preparing sterile compounding areas
• Entering orders into the pharmacy system
• Coordinating dose due times with deliveries and preparation
• Billing products to hospital or clinicHealth Plans/HMO Pharmacy Group:I saved this one for last because it is a lot different. Most healthcare plans have a pharmacy department. They manage the pharmacy benefit of the health plan. I have worked with my companies health plan and have spent some time with the pharmacy department. Pharmacy technician tasks include, but are not limited to:• Answering phone calls and providing support for patients on the pharmacy benefit
• Reviewing prior authorization requests
• Providing support to physicians and drug companies for information requests
• Supporting the pharmacists in the department with database and projects as neededAs you can see, pharmacy technician roles can be very diverse. The best advice I can give you is to figure out what setting you would most like to work in and obtain some experiential hours in that setting. I have found that the type of pharmacy you train in is typically the type of pharmacy you end up working in.

Importance of Branding for E-Commerce Businesses

October 11, 2016

E-commerce businesses are becoming a reliable way to buy products online. Branding plays a direct role in improving chances of e-commerce business success. An increasing number of global customers are switching to e-commerce sites to purchase everything from groceries to apparel, and electronics to lifestyle products. The e-commerce industry has completely transformed the way in which consumers around the world access products and services. It has suddenly brought a world of options to the fingertips of end users. The future seems bright for the e-commerce industry, with major players branching out into newer product categories frequently (thus setting the standards for smaller brands).For e-commerce businesses, things are going well enough, but the competition is also fierce. New e-commerce brands are launching every day and persistently trying to get a foothold online. When it comes to branding, e-commerce companies are leaving no stone unturned. In this scenario, it is vital that you build and implement a high quality branding strategy for your e-commerce business.Branding Strategies For E-Commerce BusinessesBy having a result-oriented, effective branding plan for your e-commerce business, you can stand out amongst your competitors. To achieve that, you must determine what makes your e-commerce business a unique player in the industry. Are you offering high quality products at the best available rates? Do you organize regular discounts and offers for your customers? Are you adding new product categories to meet more customer demands? What are the factors that would convince customers to choose your brand against others? E-commerce business owners must strive to highlight the unique selling points of their brand. Only then can an e-commerce brand be boldly promoted to larger audiences.

(adsbygoogle = window.adsbygoogle || []).push({});
As an e-commerce brand, you have to be at the forefront when it comes to attracting product vendors as well as consumers to your e-store. Vendors would be interested in using your marketplace, if it has a strong brand that keeps providing value to customers. The number of sellers and customers you bring in to your network depends on the strength of your e-commerce brand, and how well it delivers on its promises. If you are intelligent in your branding, and consistent in your service quality, your e-commerce brand can achieve considerable success.E-commerce branding, like all branding, is influencing the perception of your brand and its services, in the eyes of the customer. Effective e-commerce branding will make marketing easier, retain more customers, drive up loyalty, and create better potential value for steady, long-term success.The way you must approach an e-commerce branding strategy is by highlighting some key points. With branding, you must uphold your business’s core mission, the problems you aim to solve for your customers, standards that it adheres to, and proof of the quality of services you provide. What are the factors involved in business branding and their importance?E-Commerce Branding – Methods and Importance1. Your Brand Image – A stellar, uniquely identifiable brand image helps customers attach value to your e-commerce brand’s personality. This includes various things such as logos, banners, taglines, marketing captions, social content etc., which should always represent your brand the best. This is quite important if you want to create value for potential customers and convert them into loyal customers. A good brand image goes a long way in retaining customers, by continually generating interest for your e-commerce brand’s offerings.2. Customer Satisfaction – Customers are everything, when it comes to e-commerce or any other type of business. You can actually enhance customer experiences and drive up satisfaction (and loyalties). This is a big part of establishing your e-commerce brand. Put your best foot forward while marketing, deliver on your promises you make, and provide unmatched service and support to enhance your brand’s potential value. Remember that satisfied existing customers can and will bring in newer customers to your e-commerce business. Maintain your integrity and keep reinventing to bolster your brand’s chances of business success.3. Find Your Unique Selling Proposition – As an e-commerce business owner you must determine the USP of your brand. This will help you brand and promote it better to larger groups of potential customers. Think about what sets you apart from dozens of competitors vying for true e-commerce glory. Is it your service quality or support? Is it the trust of your customers and your track record? Do you provide innovative offers, discounts and promotions on special occasions? Do you house the widest variety of rare products? You must determine why customers would choose your e-commerce site. What extra value can you offer to your potential customers that convince them to use your platform again and again? Find your USP and use it to strengthen your brand.

(adsbygoogle = window.adsbygoogle || []).push({});
4. Utilize All Channels – Technological advances in the past decade demand that your e-commerce business maximizes its presence on all social, web-based and mobile platforms. More and more potential customers buy and sell through handheld devices, and almost all of them are on social websites. All your competitors are doing it, and so should you. It will help you make your brand easily accessible to larger audiences, which in turn will bring more conversions and significantly better revenues. Social and mobile should be the front and center of your branding strategy.E-commerce sites can benefit from the above mentioned branding strategies. By using the concepts provide here, you can establish your e-commerce brand and take your business to the next level.

Retire a Young Military Millionaire

August 21, 2016

Being young and in the military has its advantages. One of the biggest rewards is a powerful force that will almost ensure that you can become a young military millionaire. There are simple steps you can take when you’re young that will help you harness the power of this force; making becoming a military millionaire a breeze.Attention young military personnel. You can turn that military paycheck into a million just by following a simple, consistent, investment plan. Just by automatically investing on a regular basis you could be on your way to an early military retirement. For example:-A $174 invested monthly starting at 18 years old could make you a young military millionaire by age 53.-A $701 invested monthly starting at 18 years old could make you a young military millionaire by age 40.Knowing how to handle your military money gives you advantages that the most people miss out on. You can afford an early military retirement just by following a simple investment strategy. Starting an investment plan young may be enough to ensure you become a young military millionaire.Because you have the power of compounding interest on your side it’s easy to become a young military millionaire when you start young. Compounding interest is defined as the interest earned from the initial money you personally invested from your military money plus the interest earned from the amount your investments have already returned. To clarify, the money that you already made from your investments starts to earn you money. That means that every year you are making money off money your investments have already paid you.

(adsbygoogle = window.adsbygoogle || []).push({});
By investing your military paycheck at a young age you are able to fully harness the power of compounding interest. This is due to the fact that your investments are earning you a return on the money already paid to you from the investment. The younger you start the faster and larger your investment account may grow. That’s why investing while you’re young and earning a steady military paycheck gives you a huge advantage.1) Save Money. The first step on the road to becoming a young military millionaire is to set up a simple savings plan. Pay yourself first by setting money aside into an investment before you start spending your military money. The habit of paying yourself first will benefit you throughout your life and will help you retire young.2) Invest Young. You may not of been taught how to invest in high school but don’t let that hold you back. There are simple investments available to the beginner investors that will get allow you to invest your military money young.The stock market offers some investment vehicles that are perfect for the new military investor. There are lower-risk investments that offer the potential for long-term gains that may help you to put your military money to work.One type of investment, known as broad based market index investments, may offer you a simple way to get your military money working for you. ‘Broad market index investments’ are simply investments in the overall market like the NASDQ 100 and S&P 500. To illustrate, one S&P 500 index traded fund will allow you to own a portion of all 500 stocks in that index. The S&P 500 index is one way for the new military investor to profit from the stock market without having to have a lot of experience.3) Consistent Investments. There is a basic military investment technique called ‘dollar cost averaging’. A dollar cost averaging plan is simply buying a fixed dollar amount of your broad market index investment at the same time each month. Your bank and brokerage firm can be set-up so it automatically invests the amount you want at the same time each month. Once this structure is set up you can sit back and just review your monthly statements. With a consistent military investment plan you could reap huge profits over a long-term.The basic investment method discussed will get your military money working for you. If you’re looking to become a military millionaire young there are other ways you can increase your returns. The investment vehicles discussed below take more effort however you will be able to reach your military millionaire status sooner.5. Real estate. Real estate investing can be credited with making the majority of young millionaires. It gives you the power of leverage so you are making money of money the bank loaned you. When done right you could expect to double your investment each year! Just by purchasing real estate while you’re young could easily make you a young military millionaire.

(adsbygoogle = window.adsbygoogle || []).push({});
The military offers many benefits that will allow you to become a homeowner. VA loans allow you to borrow 100% of the purchase price which means you won’t need money for a down payment in most cases. Combine that with BAH (Basic Allowance for Housing) for civilian housing and you can have your mortgage payments paid for.This is a huge benefit because you purchase a $100,000 home your property could be valued at over $570,000 in 30 years. The best part is using BAH you could of not even made a payment with your own money.6. Entrepreneurship. Being in the military you can start a part-time business that earns you an extra few hundred a month or one that surpasses your military paycheck. Either way it can help you to become a young military millionaire or just added another income so you can invest more. There are also tax benefits available to business owners that will keep more of your military paycheck money in your pocket.Becoming an entrepreneur can help you become a young military millionaire and give you the luxury of being able to retire young.The sooner you start investing the sooner you can become a young military millionaire. Start now and the take steps to become a young military millionaire today!

10 Alternatives To Getting Rid Of Your Pet

August 12, 2016

So you’ve had your dog or cat for a while, and your life is changing, and now you think you need to get rid of your pet. But are you sure this is what you want to do? Getting rid of your pet is a very drastic measure. If you leave your pet at a shelter, you may think he will find a new home soon. But it is unlikely. Many high-kill shelters must euthanize animals each day in order to make room for new ones who have come in. Some animals are only at the shelter for four or five days before they run out of luck. Fifty-six percent of dogs and seventy-six percent of cats in shelters are euthanized… many of them healthy, well-behaved animals whose owners simply didn’t have time for them anymore. Even in a no-kill shelter, your pet may be doomed to live out the rest of his life in a small cage if he is not chosen for adoption.
If you are willing to try keeping your pet, there are many things you can do. Lets look at some of the most common reasons why people get rid of their pets, and how to get around them.Reason 1: I’m moving.
Solution: Bring your pet with! A quick Google search for “pet-friendly housing” will show you many different directories of rental housing that allows pets. Here are just a few that I found: People With Pets, Pets Welcome, My New Place, Pets911, Home With Pets, and Dog House Properties. And pet-friendly housing is not just limited to those sites! Many apartment buildings and complexes will allow pets. You may have to pay an extra security deposit. But in the end, it will be worth it, to keep your pet with you!
Here is something else you should know. If things get really bad and you have no place to live, you still may not have to give up your pet. Pets Of The Homeless is a website that works to help homeless people to keep their pets, or find temporary homes for their pets until they get back on their feet.Reason 2: I can no longer afford my pets.
Solution: Call your local animal shelter, or food pantry, and ask about pet food banks. They do exist, and are becoming more and more common! You can even make your own dog food, which may be cheaper in the long run. (Its not difficult! Dogs can eat much of the same things we eat!) Your local animal shelter, or your veterinarian, may also be able to tell you about free or low cost vet care for your pets.

(adsbygoogle = window.adsbygoogle || []).push({});
Reason 3: My new boyfriend/girlfriend/fiance/roommate doesn’t like pets.
Solution: Are you really going to sacrifice your pet on someone else’s whim? Are you sure you want to date someone or live with someone who doesn’t like pets? That’s a pretty big lifestyle change to make for someone else. If you’re sure you want to stick with this person, work out a compromise. Maybe your pet can be banned from certain areas of the house, like the bedroom or the kitchen.Reason 4: My new boyfriend/girlfriend/fiance/roommate is allergic to my pet.
Solution: As long as the person’s allergy isn’t life threatening, there are many things you can do to greatly reduce the allergens on your pet. Keeping your house clean is a giant step. Dust and vacuum frequently, and use a vacuum cleaner with a HEPA filter if possible. You can buy an air filter for your home that sucks the allergens out of the air. A company called AllerPet makes a special liquid that you can wipe your pet down with regularly to get rid of the allergens on him. Sprinkling flax seeds in your pet’s food can also reduce the amount of dander he produces. The person may even be willing to take allergy medication! After all, many people have seasonal allergies and take medicine regularly. They don’t just get rid of the seasons!Reason 5: We’re having a baby.
Solution: Pets and children are a great combination! Most pets are perfectly fine around children, although they may be a little confused by the new arrival at first. You should always supervise your pet around young children. When your child is an infant, he probably won’t be unsupervised anyways, right? As your child gets older, you will have to teach the child to be gentle with the pets. Do not allow your child to pull your pet’s tail, poke him, pick him up, etc. Many people feel that a pet should be obligated to put up with whatever your child deals out. But that is not good for anyone involved! Teaching your child, from a young age, to be calm and nurturing around pets, is a great learning experience for the child. If you have a dog, you may want to do some extra training with him before the baby comes, to teach him not to jump up on you when you’re holding the baby, etc. Other measures may include banning the pets from certain areas of the house, hiring someone to come walk your dogs or clean up after your pets when you don’t have time to, etc.Reason 6: I have developed health problems.
Solution: Speak to your veterinarian, neighbors, friends, people at your place of worship, etc. You can probably find some volunteers to help you take care of your pet. Having a pet can be a source of comfort when you are ill. In fact, many studies have shown that people with pets have lower blood pressure, lower heart rates, and are generally more healthy, than those without pets. If your health problems are so severe that you must move into a nursing home, maybe you can find someone willing too foster your pet for you.Reason 7: My pet has developed costly health problems.
Solution: Speak to your veterinarian about this. They may be able to guide you to low cost veterinary clinics, veterinary schools that offer low cost treatment, etc. Many veterinary offices now offer payment plans for treatment. They may be able to help you find creative ways of raising money to pay for your pet’s treatment, too!Reason 8: My pet still isn’t house trained.
Solution: If your pet is suddenly having “accidents” around the house when he used to be house trained, there could be a medical reason. You may want to consult your veterinarian. If the house training has just never completely been accomplished, you may have to start over from scratch. For a dog, take him out more frequently and try to get him on a schedule. If you are not home during the day, and your dog is eliminating on the floor or furniture while you are gone, you may want to consider crating him while you are not home. For a cat, switching to a different kind of litter, getting a bigger litter box, or moving the litter box to a different area of the house, can help. Clean up accidents with a mixture of vinegar and water. This mixture gets rid of the scent of urine or poop, so that the pet doesn’t feel the need to “mark” that area again.

(adsbygoogle = window.adsbygoogle || []).push({});
Reason 9: I work long hours, and don’t have much time to spend with my pet. Its not fair to him.
Solution: While it may seem unfair that your pet has to spend time alone, it is still better than making him take his chances in a shelter! There are simple measures, such as providing stimulating toys for your pets, or leaving the TV on during the day, that can help your pet to feel less lonely. One nice thing you can do is buy your pet a special blanket. Sleep with it in your bed for a few nights before you give it to your pet. It will smell like you, and offer comfort to your pet when you are away from the house! You may also want to consider pet day care, or hiring someone to stop in during the day to play with your pets. Also, spending as little as fifteen minutes before you leave for work, just playing with your pet and spending quality time with him, can make a real difference. You don’t have to be a perfect owner and spend tons of time hanging out with your pet. He will love you the way you are… and again, it is better to be alone at your home than to die alone in a shelter.Reason 10: My pet has behavior problems. He bites/scratches/jumps on me, barks too much, etc.
You may want to consider a training class for yourself and your pet. Petco and Petsmart offer fairly inexpensive training classes. It can be a good investment! If you can’t afford this, then the library can provide books on dog training, and the Internet can provide websites with tips. Try Googling a specific problem you’re having. For instance, search for “teach dog to stop barking.” Spending ten or fifteen minutes a day working with your dog, and then consistently rewarding your dog for positive behavior, can make a huge difference.These are just a few of the common reasons why people consider giving up their pets. But remember, every problem has a solution. So, before you give up on your pet, please take some time to remedy the problems!

India Debt Collection Business

October 31, 2016

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

(adsbygoogle = window.adsbygoogle || []).push({});
GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

(adsbygoogle = window.adsbygoogle || []).push({});
US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

Transportation Logistics To Fit Your Needs

October 31, 2016

Not only businesses, but sometimes people also, require the fast and efficient shipment of different packages, which can be time consuming, difficult and rather expensive, especially when trying to manage the supply chain for international shipments, when trying to deliver hazardous packages or objects with odd shapes. That is why many people choose to entrust this task to transport logistics company, that can manage the supply chain, offer various shipping services (overland, air and ocean freight, charter, intermodal, warehousing), as well as other services such as customs brokerage, consulting (finding the right shipping strategy, developing a logistical plan to save you time and money, customized logistic solutions).In this article, we are going to talk about a few of the options a transport logistic company can offer and how they can make your life easier. There are a lot of companies that focus on this industry, so it is important to understand your options in order to make the best choice possible.

(adsbygoogle = window.adsbygoogle || []).push({});
The majority of these companies offer a full package of services, like those we mentioned before. However, there are some companies that are active in the transportation logistics field, but offer only a part of these services, making it important for you to determine just how many of them you truly need.We are going to begin with the courier services offered by transportation logistic companies. Many of them are resellers of courier services, meaning that letter services can sometimes be smaller than those of the original courier service.Now we are going to talk about the air freight service, a service offered by many transportation logistics companies and requested by many clients. Let’s say you have to urgently send a package and you don’t want to spend the big amounts of money by sending it overnight with FedEx or UPS. If sending it is so urgent that using an overland delivery is out of the question, the only choice is to send it by air freight. Many transport logistics companies can send your package via air cargo. They are going to place your package on the cargo flight that are scheduled to take off, but are not already full. This way, you can make sure that even the most heavy of packages reaches its destination, however far away it may be.A third service that is highly requested, due to the fact that it has proven to be one of the most cost efficient of all delivery methods, is ocean transit. However, if you rely a great deal on the timeliness of the delivery, sending packages through ocean cargo shipments may prove inefficient, because ocean shipment depend a great deal on weather conditions, the chosen route and other factors.

(adsbygoogle = window.adsbygoogle || []).push({});
Lastly, we are going to talk about charter. If you company needs to make shipments that are very large, the most practical and cost efficient solution may be renting a chart. Many transportation logistics companies have connections with charter shipping partners and can facilitate such a process, allowing their clients to save great amounts of money.If you want to find out more about other services, such as intermodal deliveries, warehousing or customs brokerage, don’t hesitate to go on the sites of transportation logistics companies and make an extensive research.

Why Personal Finance Software Is Important

October 4, 2016

Why personal finance software is important These days, technology has really revolutionized people’s way of life, including their financial life. Back in the day, most people used a pen and paper to document their earnings, spending, and finances.What is personal finance software?Home finance software refers to a financial tool that enables you to prepare a budget, track your expenses, and check your overall finances. These days, there is no valid reason why you should be disorganized and mired in debt because there are many good personal finance programs that you can use to keep track of your money, plan your future, and completely control your finances. If you have a PC or laptop, you are lucky because you can easily find good home finance software at little cost. Application programmers have now catered for the high demand for these applications as they now come with all sorts of functions and capabilities that can save your money, time and effort.

(adsbygoogle = window.adsbygoogle || []).push({});
AnalysisYou can now analyze your finances unaided. However, this kind of analysis can be much easier if you have some accounting background. Finance software will analyze your important financial details. Details such as your monthly expenses will stick out. Many personal finance applications also allow personalization. If there is one particular aspect you want to know about your finances, you can simply create a specialized analysis. Many personal finance programs can also give you a monthly analysis-an excellent way to see how you actually spend your money on a monthly basis.Budget creationWe all know the importance of a personal budget. But creating a real budget that you’ll stick to is easier said than done. You can find a personal finance application that creates a realistic budget for you. Simply enter your basic information into the software and quickly create a simple budget.Checkbook balances and bill paymentsSometimes you’ll fail to pay bills on time. When it happens, interest rates are more than likely to shoot up. Fortunately, you can avoid this mistake once and for all. Look for a personal finance application that’ll remind you when to pay your bills. Likewise, you can accomplish balancing your checkbook by just ticking a box. Sum up any amounts withdrawn from your account and check carefully anything that seems suspicious. Once you have everything on record, it becomes much easier to know how your finances are faring.

(adsbygoogle = window.adsbygoogle || []).push({});
Trust yourself and no one elseWhen it comes to finances, it is best to keep track of all you have carefully. You may trust your finances with your financial adviser, but it is still important to know where every cent is at, always. With a personal finance application, your money will never be far away from you. Whether you are paying bills, balancing your checkbook, tracking your paycheck, or creating a personal budget, you should not live without personal finance software.

How to Make It As a Fitness Model!

August 23, 2016

So You Wanna Be a Fitness Model?People that follow my stuff know I generally write about nutrition, supplements, training, and other topics that are more science based than subjective topics, such as what is covered in this article. I decided to shuck my science geek persona, and write on a topic I know will be helpful to thousands of would be and want to be fitness models.As well a known “hard core” science based no BS writer, why I am writing what some will perceive as a “fluff” article? Over the years I have gotten hundreds, perhaps thousands, of gals that ask me via email, letters, or in person “how do I become a fitness model Will? You have been in the business a long time, surly you of all people should know.” I get this from newbies and I get this from women that have been at it a while but have been unable to “break in” effectively.The fact is, I have been in the fitness, health, and bodybuilding biz a long time, and though I am known as a science and nutrition based “guru” type, I have trained many a fitness athlete, and judged fitness and figure/bikini shows for the NPC, Fitness America, Fitness USA, and other federations as well as given marketing and business advice to all sorts of athletes, including fitness models. So, it’s not as far fetched as it might seem that I am going to use this space to cover a non scientific topic, which is, how one goes about being a fitness model.This article will be useful to both experienced and novice types looking to “break in” to the biz. If you are already a professional and successful fitness model, I am sure you may still glean some useful information from this article.First the bad news, there is no one way to become a successful fitness model. There is no single path or magic secret. There are however some key things a person can do to greatly improve their chances of “making it” in the fitness biz as a model, and perhaps using that success as a launching pad to greater things, such as movies, TV, etc.Several of the top fitness models (Trish Stratus and Vicki Pratt come to mind but there are many others) have gone onto careers in entertainment of all kinds. Bottom line, though there is no magic secret to being successful as a fitness model, this article will be about as close to a blueprint for success as you will find.”Do I need to compete?”This is a question I get asked all the time and it’s not an easy one to answer. In fact, the answer is (drum roll) yes and no. The person has to deicide why they are competing in the first place to answer that question. For example, do you need to compete if your goal is to be a successful fitness model?The answer is no. Many of today’s well-known fitness models have never competed, or they competed in a few small shows and it was clearly not part of their success as fitness models. However, competing does have its potential uses.One of them is exposure. At the upper level shows, there will often be editors, publishers, photographers, supplement company owners, and other business people. So, competing can improve your exposure. Also, competing can make sense if you are trying to build a business that is related to your competing or will benefit from you winning a show.For example, say you have a private training gym you are trying to build. Sure, having the title of say Ms Fitness America, or winning the NPC Nationals and being an IFBB pro, will help your reputation and the notoriety of your business. There are many scenarios were it would help to have won a show for a business or other endeavors.On the other hand, it must be realized that winning a show does not in any way guarantee success in the business end (and it really is a business) of being a fitness model. The phone wont ring off the hook with big offers for contracts. Also, it’s very important to realize that it’s common that the 4th or 6th or 8th place finisher in a fitness or figure show will get more press than the winner. Why? Though the winner might have what it took to win that show, it’s often other gals the editor, publishers, supplement companies etc, feel is more marketable.I have seen it many times where the winner was shocked to find she didn’t get nearly the attention she expected and other girls who placed lower have gotten attention in the form of photos shoots, magazine coverage, etc. Something to keep in mind when you ask yourself the important question “do I need to compete and if so, why am I competing?” Answer that question, and you will know the answer to the heading of this section. Winning a title of some sort can be a stepping stone, but it is not in itself any guarantee of success in the fitness industry. It’s like a college degree; it’s what you do with it.Now. If you compete for the fun of it, then by all means go for it, but the above is focusing on competing as it relates to the business aspect of being a fitness model.

(adsbygoogle = window.adsbygoogle || []).push({});
Right body, wrong federation?Ok, so after reading the above you have decided you are going to compete, or will compete again. If you don’t plan to compete, you can skip this section. The biggest mistake I see here is so many gals have the right body for the wrong federation. Each federation has its own judging criteria and a competitor will do poorly simply because they didn’t bother to research which show would be best suited for them.I will give you a perfect real world example of this. Recently I judged a show whose criteria for the figure round was the women should be more on the curvy softer side with some tone, vs. being more muscular and athletic with less bodyfat that other federations might allow. At this show one of the most beautiful women I have ever seen came out. She was very proportional, great muscle tone, lean, and athletically shaped with narrow hips and waist and wider shoulders. How did she do at this show? She didn’t even place in the top ten!Why? Because she was not what we were instructed to look for and didn’t fit the criteria. After the show I informed her that she looked great, but this may not the federation for her. I told her she had much more of an NPC type body, where a little more muscle, athletic build, and less bodyfat is rewarded.The following week I was judging an NPC fitness, figure, and bodybuilding show and there she was. How did she do? She won the entire show with all judges voting her number one unanimously.Conversely, if your body type tends to be more rounded and toned, but with a little more bodyfat, wider (but not fat!) hips, you may be better off competing in say the Fitness America Pageants. If you are going to compete:(1) find out exactly what the judging criteria is for that federation and(2) go see those shows as a spectator for several different federations and see which one your physique, style, etc will fit into best.(3) You have to decide if you truly have the athletic abilities to compete in a fitness competition (which requires a routine) or a figure/bikini competition.I often see women who would do well in a figure show but really don’t have the athletic abilities do the routines required to be competitive with other athletes in the show. Some shows will allow you to do both competitions and some wont.Networking 101: dos and don’ts…In so many respects, this is the area that will make or break you in any business, and yet, people in the fitness industry do an amazingly poor job at it. If you don’t network and market yourself properly, you can pretty much forget about having any real success as a fitness model, or a success in virtually any business. For the sake of space, we will stick to fitness.When I first started out, I was a self marketing machine. I could be found at every show I thought might be an opportunity, walking the isles of trade shows, bodybuilding, shows, fitness show, and others. I gave out a zillion cards and I took a million home with me, and followed up on each and every one. I went to as many industry related meetings, outings, parties, etc. as I could get into. I now have the reputation and experience in the industry that I don’t have to go to such a show unless I feel like it, or have meetings, but they were quite helpful in the beginning.I am always amazed at the number of fitness models who contact me who have never even been to the Arnold Classic Fitness Weekend, or the Mr. Olympia, or the trade shows like the NNFA Expo West and others. If you want to make it in the fitness business you sure as hell had better treat it like a business.I have seen many a pretty girl who wants to be a fitness model who thinks if they stand there looking pretty long enough, someone is going to offer to put their face on the cover of a magazine. News flash, there are millions of beautiful women out there and to be noticed, you have to hussle to get that business like everyone else by networking your butt off, or having a good agent (if you can afford such a thing) who is doing it for you.Pick a few major industry shows to attend (some of which were mentioned above) and go to them every year. Have a plan of attack of exactly how you plan to market yourself and network. Many fitness models, bodybuilders, etc see a show as one big party. If that’s you, then have fun at the party, but don’t think you are really marketing yourself as a serous business person or athlete.Another thing that always amazes me is the number of fitness models who either have no business cards, or have some cards they printed up on their bubble jet printer at home! They ask me to help them or what ever and I say “give me your card” and they look at me like “I am so pretty I should not need a card you fool.” This attitude turns off editors, photographers, writers, and industry people faster then if they found out you were really a transvestite. Don’t do it. For every pretty girl out there who thinks the world owes them a favor, there are 100 who are ready to act like professionals.Ever wonder why some fitness model you know is doing better than you are even though you know you are prettier than her? That may be why…never ever go to a show to network without good cards, bios, and professionally done head and body shots you can give to said editors, publishers, photographers, industry types, etc. Don’t stand around looking pretty assuming they will find you, find them first and introduce yourself. And of course it should go without saying you should be in good condition and have something of a tan to look your best.You want to go to the shows and party? Fine, but do it in private after the work is done and don’t make a fool out of yourself at some industry sponsored get together. Hell, I was virtually poured into a cab at last years Arnold Classic after going to a sushi place with some well know industry types and companies owners (you know who you are!) but at least no one saw me! We had our own little private get together after the show to let loose.Let me give you one final real world example of how NOT to market yourself. Last year I was on retainer as a consultant to a mid sized supplement company. The owner of the company asked me if I knew a couple of fitness model types that could work his booth for a trade show. In fact, he requested “unknowns, some new faces people had not seen yet but had real potential to grow with the company.” I went and found him two such gals I thought fit the bill.He offered to pay their flights, room, and food plus a thousand dollars each for the days work. The two girls were told to be at the booth 9am sharp. The night before at the hotel, I saw the two girls getting in a cab at 11pm or so dressed to kill, clearly on their way out to party. The next day they showed up at the booth an hour and a half late and hung over! What was the result of this? (1) it embarrassed me to no end as I had recommended them to the company owner (2) they would never get work from that company again (3) they would never get any work from me again and (4) they would not get a reference from either of us for other jobs.I see this type of thing all the time in the fitness biz, and it’s not limited to fitness models. Amazingly, a few weeks after the show they emailed me and the company owner wanting to know when their next job would be! Amazing…Who loves you baby?If there is one universal truth, it’s that the camera either loves you or it does not. Any professional photographers will tell you this. For some unknown reason, some people are very photogenic and some are not. Truth be known, there are some well known fitness models (who shall remain nameless as they would probably smack me the next time they saw me) who are not all that attractive in person. It’s just that the camera loves them and they are very photogenic, but not terribly pretty in person.Conversely, I have seen the reverse many times; a girl who is much better looking in person than in photographs. Such is the fate of the person who wants to be a model of any kind, including a fitness model. If you find you are not very photogenic, keep working with different photographers until you find one that really captures you well and pay that photographer handsomely!Now, to be bluntly honest, there are also some want to be fitness models who are not “unphotogenic”, they’re just “fugly”! There are some people out there who have no business trying to be fitness models. It does not make them bad people, it just means they need to snap out of their delusions and find a profession they are better suited for, like radio personality….”How do I get in the magazines?”This section sort of incorporates everything I have covered above, and adds in a few additional strategies. For example, as I mentioned before, competing in fitness shows and or figure/bikini shows can increase your exposure, thus getting the attention of some magazine publisher or photographer. Networking correctly at the various trade shows may also have the same effect, and of course having a good portfolio done by a photographer that really captures your look, a good web site, etc., will all increase your potential for getting into the magazines, or getting ad work, and so on.However, all of these strategies are still somewhat passive versus active in my opinion. It’s still the fitness model waiting to be “discovered.” As far as I am concerned, waiting is for bus stops and pregnancy tests. Success waits for no man…or woman as the case me be. So, after all the above advice is taken into consideration as having an added effect to getting you magazine coverage, what else can be done?For one thing, you should read and be familiar with all the magazines you want to be in so you know who is who and what the style of the different magazines are. I can tell you right now, if say the Editor-in-Chief of a good sized fitness or bodybuilding publications and says “hi, I am the Bob Smith what’s your name?” and the fitness model has no idea who Bob Smith is, Bob will not take kindly to that. Why should he? You should know who the major players are in the publications you want to be seen in. He is doing you the favor, not the other way around. You should know who the major players are and actively seek them out, don’t wait for them to “discover” you.

(adsbygoogle = window.adsbygoogle || []).push({});
If you look at the masthead inside any magazine, it will tell you who the publisher is, who the Editor-in-Chief is and so forth. The mailing address for that magazine, and often the web site and email, can also be found. What is to stop you from looking up those names and mailing them your pictures and resume directly? Nothing, that’s what. If you see a photo spread you think is really well done, what is to stop you from finding out who the photographer is and contacting them directly and sending them your pics? Nothing, that’s what.My point being, you want a get a break in the business, make the break, don’t sit there thinking it’s looking for you, because it’s not. Be proactive, not reactive! Luck is the residue of design. Be successful by design. As my older brother used to say to me as a kid when I told him I was too scared to ask out a pretty girl “what’s the worst that can happen Will? All she can say is no.” That’s the worst that can happen to you also.Beware of web idiots, schlubs, morons, perverts, scum bags, and sleazoids!This part is sort of self-explanatory but worth mentioning. As with all industries that deal in entertainment based media (e.g., television, theater, modeling, etc.), the fitness industry attracts its far share of web idiots, schlubs, morons, perverts, scum bags, and sleazoids, to name just a few.There is also the class of person known as the schmoe, but we will leave that for another place and time. Point is you want to meet the right people while not getting involved with that group of worthless types who will only drag you down, delay you, or just flat out screw you up and over.For example, a guy comes up and says he wants to “shoot you” for the magazines, but what do you really know of this guy? He has a camera and some business cards, so that makes him a photographer right? Wrong! If someone want to shoot you and they are not a well-known name (and you should know who the well known photographers are because you researched that already!), find out who they are. Do they have references you can call? Girls you can contact he has shot before and were happy with the work? What magazines has he published in? Does he do it professionally or as a hobby? That type of thing.Another thing I see is the big web scam. I’m amazed how many girls get scammed by these web idiots. Lesson here is you get what you pay for, so when some person wants to build you a web site for free, you are getting what you pay for. Yes, there is good money to be made on the ‘net, and the net can be great for marketing yourself and making contacts, but most of it’s a scam.You are better off paying a good web designer and web master who has experience with other fitness model types and has references you can talk to. I can’t tell you the number of girls who have been screwed over by some internet thing that went to hell, like the “fan” who volunteers to build a free web site and either runs off with any money made from the site or puts their picks on porn sites and any number of other things that made them regret like hell ever agreeing to the site in the first place.Clearly, I can’t go down the list of all the possible pitfalls of the web idiots, schlubs, morons, perverts, scum bags, and sleazoids out there to be found in the entertainment business, but you get the idea. Be careful!Conclusion.Well that pretty much concludes my down and dirty guide to the basics of “making it” as a fitness model. Of course there are tons of business related issues I could cover and tricks I could give, but the above is the best advice you are going to find in s small space and will do more for you-if properly followed-than you may realize.Good luck and see you in the magazines!More articles like this at:FIGURE/FITNESS MARKETING EXPLAINED

Web Directories – Performance, Purpose, Problems – A General Guide to Web Directories

August 18, 2016

The path to building a successful web directory is far from a simple task. It requires a certain amount of devotion to take a web directory script and transform it into a heavily used directory. Web directories contain more complexities than meets the eye, and I have learned first hand that the development of a quality web directory is no walk in the park. But a good web directory is worth its weight in gold, for both webmasters & internet surfers alike. Let us enter the world of web directories.A web directory acts much like a search engine, but on a much smaller scale. Web directories are essentially a categorized index of websites that have been submitted by website owners. Directories normally have search features, allowing users to search through the entire index, just like a search engine. The main differences between a directory and a search engine is that very few directories contain the amount of links that a search engine does. Search engines also collect data from websites, which is used to categorize and rank them. Directories lack the ability to “crawl”, or exam websites as search engines due, therefore the only information a directory contains on a particular website is the information that was submitted by the website owner. Most directories use meta tags and keywords to search for websites, where as search engines use complex algorithms that take into consideration much more than meta tags (the value of meta tags in search engines has actually declined). Web directories are not the most popular internet search tools because huge search engines like Google and Yahoo are much more convenient to use and contain a vast amount of resources available to be searched. The largest and most popular web directory is the Open Directory Project (DMOZ), whose links are indexed by Google, Yahoo, and the majority of other search engines. Google and Yahoo both have their own web directories as well. Though independently owned web directories may not be so popular for internet searchers, they do have their benefits for webmasters & surfers alike.Web directories can have several purposes, it all depends on what the administration’s intended goals are. Some web directories are purely advertising hot spots, while others focus on driving targeted traffic to the directory. Some directories are free, some paid, others both. Directories can have broad topics, or specific topics. Lets start with the different types of web directories.First, we have what is commonly referred to as a “niche” directory. Niche directories have a specific topic, or niche, and the links found within the directory reflect that. Examples of a niche would be automotive directories, sports directories, shopping directories, web promotion directories, etc. Niche directories are most beneficial to internet *searchers; they have a specific topic and therefore *surfers and *searchers have a better chance of finding what they want. In a human edited niche directory, you are very unlikely to find spam sites as well.We will label the next kind of web directory as a “Free for All” directory. Free for all directories have no specific topic. They are very broad in their category selection and links are usually hidden behind several sub-categories. Free for all websites can benefit webmasters so long as the “no follow” tag is not applied (page rank increase), however it is in your best interest to avoid free for all directories for several reasons. Using a free for all directory to search for a website is more likely than not going to require you to sort through heaps of spam. A lot of free for all directories are not human edited due to the massive amount of link requests they receive, and websites are not carefully examined before being approved into the directory. The link quality of some free for all directories is extremely poor. Also, a lot of free for all directories extract data from other directories; how original. No sense in supporting the lack of creativity or devotion in such web directories. Despite a flood of low quality free for all directories, there are some very good ones available. A well organized, human edited (human edited = higher quality links) free for all directory is a great place to search for websites. It also serves webmasters with increased website exposure and if they are lucky, the directory is indexed by Google and other search engines, therefore improving its ranking on search engine result pages.

(adsbygoogle = window.adsbygoogle || []).push({});
The final type of web directories that will be examined are the poorest quality ones. Often referred to as “link farms” these directories are not human edited, due to contain high quality links, lack organization and unique features, and more often than not they become blacklisted from the major search engines. Searching these type of web directories is useless, and it’s highly recommended that you do not support such sites. Furthermore, if you are a webmaster, submitting your website to link farms will substantially decrease your popularity amongst search engines. These directories due more harm then good, and consequently give other directories a bad name.Whether you are submitting a website or searching for one, you will achieve the best results with a high quality niche directory. Webmasters, here are the common submission options for most web directories: Free submission: Submit your website to the directory for free. Simply fill out the form and wait for approval. A “no follow” tag is often placed on free submissions. Regular Submission: A small fee is usually necessary for regular submissions. Regular submissions can sometimes use the “no follow” tag. The main benefit is that submission approval times are significantly faster for regular submissions. Reciprocal Submissions: Free submissions that require a reciprocal link of the web directory to be placed onto the website you are submitting. Reciprocal submissions sometimes use “no follow’ tags, but often do not. Cost is free with reciprocal submissions. Featured Submissions: Paid submissions that grant you premium listing (websites listed in special section of category, generally above regular links), fast submission approval, and paid submissions do not place “no follow” tags on your links, meaning you gain a back link for search engine ranking benefits. Featured and regular submission fees are generally charged per year, and prices vary depending on the directory and the traffic it receives.Web directories have benefits for both webmasters and internet users. For webmasters, web directories main benefit is website exposure. Webmasters submit their websites to directories to increase their exposure. Not only can they receive traffic from people using the directory, but they can also benefit from a back link; a link to their website indexed by Google. Google ranks pages in several ways, but back links is one of the most important. A quality back link to your website increases your Google page rank. Enough quality directory back links, and your on your way to the top spot in Google search results. Bottom line: Web directories can increase your websites exposure by sending targeted traffic your way. For people using web directories as a search tool, web directories can offer you a big advantage over search engines. Search engine indexing is a big contest between website owners and therefore a lot of high quality content gets left out of the search engine result pages. Top results often go to corporations, big business, or highly devoted marketers. What about the little enthusiast and personal websites that contain valuable knowledge otherwise unavailable on the web?Well, a lot of these quality content websites can be found in web directories. If you are having trouble finding what your looking for in search engines, try searching for a niche directory and I bet you will find what your looking for. Furthermore, using web directories supports smaller businesses and helps the little guy out. Not everyone has the time or money to spend on internet marketing or website promotion, and web directories are a great way for these small websites to gain some exposure. Big search engines have monopolized the internet search market, and it makes the relationship between big search engines and website owners way to critical. Google doesn’t like you, and your sales drop 75 %. Now that does not seem right, does it? If more people frequented web directories, directory owners would gain a larger slice of the search engine market.There is a large number of web directories on the internet today that have been blacklisted by Google. It is best to avoid these directories at all costs; having your link listed there will most likely negatively affect your search engine rankings. But how do you know which directories to submit your URL to and which ones to avoid? These guidelines in rating web directories may help:1. Organization- Web Directories should be well organized and categorized.- Categories should be, neither, too broad nor too narrow. Category organization is important, but a directories search feature holds more value for finding links.- Links should be easily accessible.- Links should be posted into the correct category. If they are not, this is a sign of automated link approval, which should never be used in a directory. (Even the largest, most powerful of web directories are human edited).

(adsbygoogle = window.adsbygoogle || []).push({});
- Poor quality and spam links should not be accepted into any decent web directory.2. Advertisements- A quality directory should contain a free submission option, so it is necessary for directories to offer sponsored listings and sale advertisement space. However, the page should not be cluttered with ads. This is a sign that the directory administration is too focused on making a quick buck than enhancing the internet experience.- If the directory has a specific topic, or niche, than the advertisements should pertain to that topic. Off topic and irrelevant ads do not belong on niche directories.3. Page Rank (PR)- Rumor has it that it’s possible to fake some page rank indicators. Make sure your page rank comes from a reliable source when examining the PR of a web directory.- Page rank is important factor in website popularity. However, directories that boast high page ranks, or have their page rank in the directory name or slogan typically use the page rank factor to compensate for their downfalls. It’s like bragging…and you want a modest web directory. Find a directory that shares and uses their page rank to the benefit of directory users, not a directory that clearly lacks in features but boasts a high PR.- Directories that display website links within a category in descending order of PR are less desirable than those that display links based on popularity (unique hits). Most desirable first, not highest PR; very beneficial to new websites attempting to build initial PR.4. No Follow Tag- A web directory that uses “no follow” tags on all links is useless.- “no follow” tags are acceptable on free submissions. Reciprocal & featured submissions should not be tagged as “no follow” links. This gives value and meaning to featured (sponsored) & reciprocal links, while controlling the amount of links indexed by search engines to a reasonable number.- In a quality directory, do not fear a “no follow” on your free submission. A good directory brings in targeted traffic, and though you may be missing out on that back link, there is still a lot of potential for increasing traffic.5. Reviews, Marketing, & Promotion- Search around for reviews and recommendations on web directories. There are some really good resources when it comes to choosing quality directories.- A web directory should be marketed to both webmasters & internet surfers. If a directory only attracts webmasters, what kind of web traffic is it likely to bring? Look into how the web directory is promoted and marketed.
These 5 guidelines can help you distinguish between low quality link farms and high quality, effective web directories. I hope this information helps you in your website’s marketing and promotion campaign, in terms of website directory submission.Teal Reid, SYC Automotive Directory Administrator

Helpful Online Shopping Tips for Buying Cheap Designer Clothes and Shoes for Women

October 13, 2016

The ability to find cheap designer clothes for women is essential to those who want to look fashionable when they get dressed, not just because prices on authentic, name brand clothing are always expensive, but that buying affordable clothing allows shoppers to easily build a large wardrobe. Smart shoppers can get a lot of nice, authentic, name brand outfits, and the footwear to match simply by knowing where to look. Looking good does not have to be considered a luxury.Know What It Really Means to Buy Discount Designer ClothesIt is not always easy to buy cheap designer clothes online because many shops sell cheap knockoffs instead of designer originals. Sales of low quality clothing should not be considered real discounts at all. This is because those who buy these cheaper items do not get the same benefit or enjoyment as they would from the real thing. Customers need to beware of online shops offering trendy women’s clothes for less. The real savings is when the prices of real brand name items are brought into a price range that is more affordable. That is what designer clothing liquidators are all about. Customers get to find cheap designer clothes for sale that are truly authentic and on the leading edge of fashion trends.

(adsbygoogle = window.adsbygoogle || []).push({});
How to Find Cheap Designer Clothes Online That are AuthenticMany consumers do not have time to get out to a store and shop around for discount brand name clothing, which would make it easier for them to know the quality of the items before purchasing. Moreover, some local outlet stores lack the selection needed for customers to find those trendy, affordable dresses, jeans, shoes, or that perfect top they had in mind. It can be hard to catch sales at department stores, but having a trusted online resource for trendy women’s clothes can make staying in fashion an easy task. Shoppers are able to get clothing from all the best brands, including Coach, Michael Kors, BCBG, Armani, and several others at a steep discount. Best of all, placing an order is easy because of the ability to use PayPal.Why Shop at Those Expensive Trendy Women’s Clothes Shops?It is not always easy to find cheap designer clothes for juniors, or affordable maternity wear that is high quality. Many stores that specialize in selling trendy women’s clothing and shoes do not care about how burdensome their prices are, but there are some that do. Shoppers can learn how to always find low prices on new and like-new authentic brand name women’s clothes and shoes. All they need to do is find the right website. The best sites for buying designer clothing at a low price have a selection is updated on a regular basis, so there is always some great new clothing item to discover. Plus, these reliable stores offer lightning fast shipping and excellent customer service.

(adsbygoogle = window.adsbygoogle || []).push({});
It is possible for those looking for a place where they can get discount shoes online to find a place where there is an enjoyable selection of quality merchandise available. Thanks to online stores that offer cheap designer shoes and clothes, shoppers can easily build a very nice wardrobe. Many of those who love to shop for discount designer clothes find such sites addictive, because getting cheap trendy clothes from real brand names is a thrill.