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When considering different forms of advertising, always think about postcards. When I refer to postcards I mean 4 inch by 6 inch (4″x6″) flyers. I have many reasons to use them, especially in small business marketing, and I have found them to be very effective. Here are five good reasons why postcards should be included in your marketing campaign. Reason #1: Low cost to print. 4″x6″ postcards are pretty inexpensive to print in comparison to most other printed items. I can have a box of 5,000 cards designed, printed, and delivered for under $500. Brochures can cost that much for 500. When dealing with small business marketing, these flyers can save a huge amount on marketing and printing costs. Reason #2: Size. I’m sure everyone has seen a 4″x6″ flyer at some point. Many times they are placed on your car or left in your door. These flyers are easy to handle, distribute, and save. If someone receives a 4″x6″ flyer with coupons on it, they are more willing to save it than if they receive the same coupons on an 8. 5″x11″ sheet of paper. Obviously, everyone will have different reasons for using flyers, but 4″x6″ postcard-size flyers are effective in just about every situation. Reason #3: Postage Costs. Postage goes up quite often. It seems like every time I go to the post office, it has gone up again. When determining how small businesses will market to their target markets, postage is always part of the equation. If you are mailing a 4″x6″ flyer, it will cost you the postcard rate, not regular first class, which saves you almost half. Many people tell me they use a mailing house and it helps reduce costs, but I have used them before also. The savings you receive in postage is usually eaten up by the mailing house’s fees, and even before those fees, you still save money with 4″x6″ flyers. Reason #4: Quality. 4″x6″ flyers are used quite a bit, especially by the entertainment industry. For this reason, there are many printers available for 4″x6″ flyers. You have to be selective in choosing your printer, but the better printers provide a top-quality finished product. The price I quoted earlier is for UV-coated, 14 pt stock, and full-color on both sides. Most small businesses struggle with price of printing because they usually can’t order large quantities. They usually end up using weaker quality products to save money, but 4″x6″ postcards can be top-quality and still save money. Reason #5: Attention-Grabbing. Many direct mailers tell me I should send a letter, sample, pen, and other garbage in an envelope. Besides the outrageous cost this brings, it weakens the response. People see a marketing piece in the mail a mile away, including postcard flyers. Will they take the time to open the envelope, maybe. Will they read the postcard flyer because the information is staring at them, definitely! Test the theory yourself: see how many envelopes you decide to open versus the number of postcards you read.

I worked in an advertising agency for 5 years and then in the advertising sales department at a radio and television station for another 4 years, and believe me, every client wanted to be on the front cover, above the fold, on during the Super Bowl, or air during rush-hour traffic.

For the bigger multi-national companies advertising was a no-brainer in many cases – it’s what they needed to do to keep up awareness of their brand and keep top-of-mind.

The answer for small business owners was a bit different. Some advertising opportunities were a good fit and made sense but many times, spending money on traditional advertising just doesn’t make sense. This is especially true if you provide your products and services to a large geographic area – not just a local location.

In reality, there are several things inherent in advertising that just do not make business and money sense for small businesses and service professionals.

1. Advertising is usually a mass medium

This means that advertising is usually aimed at everyone – it’s hard to just “talk” to a niche market with advertising. Because of the large focus of TV, radio, newspaper and magazines, small business owners can spend a lot of wasted money – advertising to people who aren’t in their niche target group.

2. Advertising is expensive

Because of the larger audience available via traditional advertising (think of all the people who watch TV and listen to the radio!), the costs associated are usually quite high. To produce, create and run a television commercial can run you in the 6 – 7 figures; ads in national magazines can costs in the tens of thousands and even radio commercials can be several thousand dollars.

3. Advertising doesn’t allow for frequent exposure

Due to the high cost of advertising and the limited space and time to purchase, it’s very expensive to advertise enough times to get noticed. We had a saying in the advertising world that you needed to have a 3+ frequency – this meant a person needed to see/hear your advertisement at least 3 times before they even barely noticed it.

In this media-saturated world we live in, where we’re bombarded with thousands and thousands of messages each day, advertising doesn’t get our attention like it did in the old days. If you can only afford to run one magazine ad or a handful of radio commercials, you’re really just throwing your money away.

4. Advertising doesn’t have the ability for strong follow-up and call-to-action

Getting someone’s attention is only the first step – you then need them to take a specific action, such as visit a website, pick up the phone, visit a location, and so on. Because many times small business owners can only afford a small ad, there isn’t the space or size to outline a clear call-to-action and next steps. Many prospects can be left not knowing what they should do next if they’re interested.

As well, follow-up is key to converting prospects into customers and the expense and lead time of advertising doesn’t allow for much follow-up at all. Again, prospective clients are lost due to advertising’s inability to provide follow-up.

Advertising has its place and can work for small businesses, but there are many more cost-effective and high-impact marketing strategies that you can employ to get a return on investment much quicker, effectively and consistently.

I have always been interested in the stock market and how it works, and I believe that I am not old enough and mature enough to invest. I have had a $8 an hour job for about a year now, so i have a good amount of money to start with. But where should I start? How much money should I put at risk for my first time? Where can I find a good source to learn even more about investing? Thanks in advance.

If you found your way here for this article, chances are you've either has some money socked away or intends to do.

But first things first. Why invest a good idea?

Simply want to invest to create wealth. It is relatively painless and the rewards are many. By investing in the stock market, you will have more money for things like retirement, education, entertainment – or you can pass your assets to the next generation to become the ancestors of the most expensive of his family. Whether you're starting from scratch or take a few thousand dollars saved, Investing Basics will help you take the path of financial (and stupid) welfare.

Determine your goals

What are you saving for? Retirement? Schools for children? A new speaker system complete with woofers and tweeters? A comprehensive collection of exotic animals with Chihuahuas (woofers) and Canary (tweeters)? A retirement village in the sun baked hills of Tuscany?

Say you take $ 2000 of your savings and put it in the stock market. If your money refunded at 10% per year (the S & P 500 historical average), two important would be $ 34,898. 80 after 30 years. I could not make the perfect retirement home, but at least give a deposit.

Maybe you do not have $ 2000 burning a hole in your bank account, but maybe you can afford to invest their money for lunch. Brown-bag your lunch and a half away just $ 4 per day, 250 days a year. Not much, but if you are in their early 20s, you have the best ally of investors on their side – time. If you invest $ 1,000 per year on an investment with an average annual return of 10% – the average annual stock market performance since 1926 – was more than $ 1 million after 46 years, which is just around the time you "ll be ready to retire.

Of course, as you get older and more financially stable, should be able to store more to invest. Upping the ante for only $ 166 per month – which is money, probably less for dinner, what you pay for cable television – Want to make a million dollars in just 39 years.

The power of compounding

The following table shows how an investment of $ 100 will go to different rates of return. Five percent is what you could obtain a certificate of deposit (CD) or a government bond with time is approximately 10% of average historical performance of stock markets, and 15% is what you could if you were decides to learn to choose their own actions and enjoy some of our investment in advanced classes.

Growing up in year 5% 10% 15% 20% 1 100 $ 100 $ 100 $ 100 $ 5 128 $ 161 $ 201 $ 249 10 $ 163 $ 259 $ 405 $ 619 15 $ 208 $ 418 $ 814 $ 1541 25 339 $ 1,083 $ 3,292 $ 9,540 $

Why the difference between a few percentage points of return so massive after long periods of time? You are witnesses of this miracle of the composition. When the increase in investment (returns) begin to make money, then these yields start to make money, your investment can mushroom very quickly. Extending the period of time or increasing the rate of return, and the results are multiplied. For example, if you start young, say 15 years, notes the speed with a $ 100 investment is increasing, especially in later years.

Growing up at age 5% 10% 15% 20% 15 100 $ 100 $ 100 $ 100 $ 20 $ 128 $ 161 $ 201 $ 249 25 $ 163 $ 259 $ 405 $ 619 30 $ 208 $ 418 $ 814 $ 1541 40 339 $ 1083 $ 3292 $ $ 9540 50 $ 552 $ 2,810 $ 13,318 $ 59,067 60 $ 899 $ 7,298 $ 53,877 $ 365,726 65 $ 1,147 $ 11,739 $ 108,366 $ 910,044

Otherwise, we will compare the two teenagers and their life savings habits. Bianca baby-sat a lot and spends most of their time reading. You could save $ 1,000 a year from when I was 15 and was invested in the stock market for 10 years earn 12% per year on average. After 10 years, comes out of his shell, lets you add money to their savings, and spends all the money that makes the club of the steps, or when traveling to Canc?n. But she keeps her money in the market.

Compare his account of his friend Patrick, who has wasted their paychecks at the beginning of the sins of youth. At 40 Patrice received a wake up call when their parents are retiring on nothing but Social Security. Start investing far at $ 10,000 per year for the next 25 years. I suppose you're over 65? So, Bianca. (You thought it was a trap, right?) With 10 years of saving $ 1,000 per year (only a total of $ 10,000 – Patrice store the same amount in one year) on your network for $ 1. 8 million in 65 years. Patrice, on the other hand, except for 25 years to invest a quarter million dollars of his own pocket and finished with just under $ 1. 5 million. Nor go to hospital, but our point of babysitting money Bianca grew for 50 years, twice as Patrice, and Bianca just missed.

(It's almost unfair not to mention, but if Bianca put his money in a Roth IRA, all $ 1. 8 million would be tax free. Moreover, Patrice could not put his full $ 10,000 in a Roth, so Patrice pay capital gains on a good portion of their profits.) The power of compounding is the most important reason for you to start investing now. Every day is a day invested your money work for you, helping to ensure the safety and future financial stability.

Common mistakes to avoid

Before racing off with the rest of Investing Basics, there are some points to consider carefully before proceeding. These are common errors that when considering what to do with investment.

1. Do nothing. There is no guarantee that the market will rise the first day, month or year in which it invests. But there is one guarantee: do nothing does not have a comfortable retirement. 2. From behind. The postponement of his investing career is second only to not investing at all in the list of sins of investment. You already know that the sooner you start the better. (Another look at the compound return example we gave above). If you already twenty formative (not look a day over 32 for us), to reformulate the first trap read: "Do not start. "3. The investment before repayment of credit card debt. If you have money in your savings account and have revolving debt on your credit card, pay the full amount. Many credit cards have an annual interest rate of 15% or more. Suppose you have $ 5,000 to invest, but you also have $ 5,000 debt on their credit cards with an average annual rate of 18%. It does not take an astrophysicist to understand that you will have a yield of 18% after taxes you pay only $ 5000 balance. Pay the debt first, then think about investing. 4. Investing in the short term. Only invest money in the short term is really needed in the short term. To invest in the stock market will not be necessary at least three years and preferably five years or more. If you need your money next year for a down payment on a house or a family Caribbean cruise, use one of short term and safer places for their money, including money market funds or CDs. 5. Reject free money. You should never refuse dollar if he was offered unconditionally. Here's what to do if your company offers a 401 (k) savings plan for retirement or similar plan of the employer match and did not participate. Enjoy all the benefits of tax-saving programs of the employer. 6. Playing it safe. If you are young, most of your investment dollars should be in the stock market. You have time for depression time to market and reap the fruits of long-term gains. Although you may want to transition bonds later in life as you depend on investment income, stocks should be an important part of the portfolio of any investor. 7. Do not be afraid. Not all investment is for everyone. Even if you are a bold, do not all your money into something that could end up down the drain. 8. Presentation of collection or lottery tickets as an investment. If old comic books, Barbie dolls, and the team left the exercise could be used to finance retirement, do you think the stock market could exist? Probably not. Do not make the mistake of thinking your jewelry, Beanie Babies, or the lottery will provide for you in your final year. 9. Trade within and outside the market. We believe the best approach to investment is a long-term. Choose your investments and have greater long-term benefits that you never dreamed possible. Trade within and outside the market and will face expenditure that dent in the back and could miss the profits that benefit the long-term investors with much less effort.

Congratulations mate! You did it in the first part of Investing Basics. (Bet you did not even break a sweat.) You've seen the power of compounding and understand how some common mistakes can ruin even the most solid investment plan.

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