Creating Quality in Higher Education Admissions: Increasing Institutional Effectiveness

Quality in Higher Education

Higher education is a service. Defining quality in a service can be more difficult than defining quality for a product. Quality in service has to do with accomplishing objectives while at the same time satisfying the customers’ perceptions of the service. Delivering quality can be difficult as objectives and perceptions change as the needs for customers change.

Many colleges have departments dedicated to quality assessment and improvement, focused on the institution as a whole. Quality in college admissions is required to make sure the student and school are a good fit for each other. Ensuring the best fit between school and student improves retention and ensures that the student is prepared for the area of study. Students who become part of a degree program is a good fit helps in leading people into a good fit for future profession in the area that the student is pursuing their studies.

Institutional Effectiveness

There is an increased emphasis on institutional effectiveness for higher education. Institutional effectiveness measures the percentage of graduates that receive jobs within their field of study from each institution. The growing concern over institutional effectiveness comes from the combination of high unemployment rates, concerns with student loans, and the national level of student loans.

The use of intuitional effectiveness gives students and schools a qualitative measure of quality among colleges. Colleges can benchmark their institutional effectiveness as compared to similar colleges. When superior results for a similar college are identified; other colleges can study that college as a model of how to improve their own institution. Higher education institutions can become aware of what programs are performing best in placing students into jobs after graduation; the results may indicate an area that the school can give more emphasis.

Quality in Advertising

Institutions can promote quality through advertising. Informing potential students how the college and degree programs attempt to achieve the potential students desires can achieve quality. For example if a student would like to become a mechanic, the school can illustrate how they are qualified to help a student become a mechanic. The advertisement could discuss the background of the college and the instructors. The advertisement could give examples of past students results after finishing the program. The ad could include information about the programs institutional effectiveness.

Colleges can proactively pursue students that are a good fit for the institution through accurate advertisements and promotions. The promotional material can take a bigger emphasis on what career the programs prepare the student for instead of promising career possibilities. Advertisements can be targeted the segment of students that would be ideal candidates for the program with information in promotional material that discusses the type of student the program was designed for.

The content of advertisements are of extreme importance to convey accurate information and set expectations for students and parents; however, where colleges advertise is of extreme importance also. It would be better for Seminaries (graduate school for pastors) should target people that are involved in a specific church or denomination. For the colleges that work with traditional students should advertise among young adults aged 16-20, where as schools geared towards non-traditional students would target an older demographic.

Admission Requirements

Admission requirements can assist in ensuring proper alignment between the college and potential student. Admission requirements that help ensure proper alignment can include grade point average (GPA), assessment results, essays, reference letters, or experience. The college needs to understand their typical student and their challenges. Some colleges specialize in helping underprepared students excel through specialized programs to prepare those students for further academic programs and vocational aptitude. The college needs to define whom the school fits in demographic and academic terms.

An essay that requires the student to explain their motivation for applying to the school and why they are a good candidate allows the admissions counselor to make a judgment about institutional fit and at the same time allows the applicant to internalize and express how their goals align with the colleges. Essays can indicate the potential students ability to follow instructions for writing papers and indicate their grammatical ability. The entrance essay can indicate the student’s level of motivation, if the application process becomes delayed by the essay requirement that indicates that the student either needs encouragement, further educational support, or lacks the motivation to the complete the essay in a timely manner.

The GPA requirement can vary among schools depending on the degree and type of school. The requirement varies from a minimum GPA to be able to perform college level work to more specific transcript and grade requirements. The minimal purpose would be to not admit student who appear to be incapable of performing college level work an school policy that closely relates to entrance GPA. Other programs may need to see an overall good GPA in addition to specific grades and types of classes taken, in the case of engineering degrees.

Reference letters help colleges see if anyone will vouch for you and who vouches for you. To ensure proper good institutional effectiveness the school would like to see that the student has already begun to network in the right places or that they are least networked. What a school many times does not want to deal with someone who creates problems everywhere they go and has no one willing to refer them.

Assessment results typically come from SAT or ACT achievement test. Schools that work with older non-traditional students will many times find other assessments because of the time lapse from when the student was in school and when they were last assessed. Although assessment results are important, they are a piece of the whole picture of the student’s ability and fit for an institution.

The experience admission requirement helps ensure that the student has the ability to perform the profession that the school will be teaching. Many degree programs do not have specific experience requirements, however, the experience aspect can be imperative for some degree programs. Several programs that require experience are MBA (Masters of Business Administration), MFA (Masters of Fine Arts), and other specialty programs for both undergraduate and graduate levels.

The admission requirements help the school identify ideal students for the their program. Many times schools find their specific niche appeals to a specific type of student looking for a specific program. Once the student and the programs for the school are identified, the school can create programs to increase the effectiveness of the pairing of the school and the student. For instance if a school specializes in educating underprepared students the college can create methods to help the student through programs, remedial classes, tutoring, and vocational preparation. The schools can also build sections of the needed training into the curriculum of the classes.

Continuous Improvement

The need for continuous improvement in the quality of higher education admissions will help universities to adapt to the changing needs of the school and students. The expectations for higher education have changed over the years to have a vocational emphasis, which merits different assessment of effectiveness than how education was assessed in the past. Quality in admissions will help align the goals for the school and student to accomplish the shared goals. For example the current trend of measuring education institutions by the percentage of graduates acquiring jobs in that should lead Universities to cultivate relationships with employers in the areas that the school specializes in.

Conclusion

Quality in admissions for higher education comes from proper alignment between the student and the school. This alignment should be cultivated in an enrollment and marketing plan that clearly articulates the unique programs the school offers and excels. The plan should also include the detailed segmentation of ideal students. The increased attention on higher education’s effectiveness comes from marketing schools as one sized fits all for one-sized fits all students. The needs for the alignment will change as the students needs change while at the same time different industries will change.

The difficult part would be to focus on unique programs instead of popular programs. For schools to stand out from other schools they must provide something in a way that another college does not offer. Many schools will want to offer the popular and general education courses to not loose potential students while at the same time they will need to place emphasis on their unique programs.

One of the challenges would be the impression of higher educations view of the admissions office. The admissions office needs to be able to advise schools on issues further than sales and marketing. Specifically, with higher education admissions, academics, institutional effectiveness, and educational rigor are all interconnected. The more emphasis that colleges place on their unique programs coupled with admission requirements that admit the best students for the programs will increase the colleges retention and institution effectiveness numbers. With better retention and institution effectiveness, the school will attract more ideal students, which will create a stronger program. Implementing quality seems difficult in the beginning and requires support from senior leaders. However, the difficulties are worth the results.

How To Make Sure You Are Self Funded So Can You Put Your Home Base Business On Steroids

Now, take note, I did not say strike a pose, I said strike a nerve which means I am going to flow some circulation into your brain vessel. Because, we all know what happens when something strikes a nerve.

Starting Your Home Base Business

So here we go, the self funding process was created for individuals that may have had the misconception about starting a network marketing business or should I say MLM business. Some of you never heard of network marketing, but for those that’s already involved in network marketing, it’s a walk in the park. However, it’s been around for the longest time and. experts say it’s growing at a fast rate.

This fast rate is making people think twice and inquire more about network marketing. They are curious enough, to learn more about starting a home base business and nosy enough to go the extra mile and do the due diligence on network marketing.

Foot Steps into the Trail

Heck in some countries, the last time they heard about network marketing, was during the 1930′s. This is when it first started putting it’s footsteps into the trail. Needless to say for those that started MLM, they may not be around anymore. But there are still the ones that saw the potential of it becoming success full, and kept their goal to helping people become financially independent nationally and international.

Leisure Time Is Available If You Remain Consistent

This concept is even used in many international countries; even those folks are following that trail. This trail has now become a main road on a universal map, or should I say, route, highway, turnpike, or streets. It’s creating jobs for those folks with a desire of being independent and wanting more free time to spend with their family, also do the things they desire to do in their free time, traveling, fishing, golfing, swimming, horse back riding, hiking, and sky diving. Oops, sorry for the long list, but hey who wouldn’t want to do those kind of things if they had the free time.

However, for the new folks that are curious on learning about starting their business, there is yet more training and knowledge to gain on how to start and run a home based network marketing business also known as MLM. Is it cost effective to start a MLM business? I have to say, YES

How? Well, when starting you standard business, there is a lot involved. Just to give you a standard business glimpse, take a look at what some of the things needed to start a business. Office space, or room space, inventory, utilities, employees, and so fort….which ads up after you have it written on paper. Remember, this is all based on the product or service you are selling, not to forget the team you will need to make it an empire.

Don’t Beat Your Head on a Brick

So why go through the headache and hassle in starting something that’s going to cost you an arm and a leg when you are barely making the rent. Why beat your head on a brick wall, when you can “work for yourself and not by yourself”. Is it easy? And will you get rich over night? sorry to disappoint you, but nope.

Success like Scratching Tickets

It can, and may; all depends on your efforts if you were bionic ally capable of doing all the work in 24 hours. So until then over night wealth is not going to happen in 24hours. I emphasize “not make you rich over night”, like you would when scratching lotto tickets.

That is if you’re lucky, but I can say this it will definitely help you generate income. Yes, if it was easy as 500 million people joining Facebook or the amount of people signing up on twitter in a short period of time, everyone would be in line doing it. Right? However I can add that if you follow the steps and use the system I talk about in the remainder of this article, your chances of success has a higher percentage to happen. Just like any franchise restaurant that uses a system.

Generate Income that Will Assist You to Operate Your Home Business

But you have got to put work into it, and the work you put into it will pay off in the long run. I have to say you have got to be persistent, motivated, goal oriented, focused and like doing the things you would want to do if you were not working full time or part time.

So here’s the map, this map consist of creating funding to cover your marketing expenses, generating income to assist you with purchases of your products and even surpass your operating cost and creating additional income for your home based network marketing business.

Don’t Over Extend Yourself

This system consist of a number of products and services that you won’t have to pay up front for, and wont have to go into your piggy bank and flip it upside down to make your business flow smoothly. Neither over extend your self into loans that will drag you down into the ocean having a brick attached to you ankles.

Choose the Correct Affiliates

The products and services consist of affiliates that you incorporate into your channels of daily operation online and offline. These channels will run automatically while you sleep. Now, I must mention, it is very important to choose the right product, when using affiliates to fund your network marketing business. Also be alert to certain affiliates that may be sketchy. Then load them on to your websites, and make sure you add the correct number of affiliate’s link into your page, which will help you in your rankings.

Contact me today so I can share with you all the main pointers you will need when putting your business on steroids.

Home Based Businesses – Find the Right Idea and Make Good Money For Yourself

Are you still struggling to find the right idea for your home based business? Do you constantly surf the net looking for something you can translate into your own business? Do you find yourself backing off from making any move through indecision? Let me help you to work through the fog around home based businesses, find the right idea and make good money for yourself.First of all, you have to make an important decision. If you seriously want to find the right homebased business that will bring in a good income, you have to wean yourself from depending on other people to pay you a “wage”. Tell yourself things like:I will not stuff envelopes
I will not be paid a measly sum to type other (lazy) people’s work
I will not fill in forms online
I will not process other people’s emails on my computer
I will not fill in pointless surveys online
I will not pay a fee to be able to type medical transcriptsWhy?Because I want to learn to generate my own income with my home based business that will benefit my family and my future! Cutting yourself free from other people’s payroll is quite possibly one of the hardest things you can do. Like me, you have probably been taught from infancy to depend on it. What are you told in school? “Do well in your exams” “Get the best grade you can” “Go to the best university you can – get the best training you can – find the best job you can – earn the best wage you can!” Good advice, if you want to remain an employee.I am not against education. Education is good. Education is the best, education is knowledge. Unfortunately, after years of hard work, your education may end up placing you in boring jobs building good fortunes for somebody else.If you want to find out the very best home based business for you, look within. What interests you so much that you would do it for free – with no salary and no payment whatsoever? What do you love doing so much that you willingly stay up late into the night, because you can’t stop? That would be called your passion – and that would be the ideal thing to base your home business idea on.Running with your passion in your own business means that you get to spend time researching all the creative ways you can market and produce your product. Discover what competition already exists in your niche market. Who will benefit from what you have to offer? How can you get your product to them in an original manner? Find a way to fill any exposed gaps you discover.Don’t discount your passion. Chances are it’s what you were made to do – and you can probably do it exceptionally well. Work through the fog around home based businesses, find the right idea and make good money for yourself. If you go now to http://www.earnyourwealth.co.uk I can show you how to get in-depth training in marketing strategies, techniques and proven methods to get you started in your own home based business today.

Start Your Home Based Business The Right Way

Deciding to have an internet home based business is without doubt a smart decision in these times of recession. If you have a genuine concern for providing answers and solutions to people’s various problems you will most certainly be rewarded you with a decent income. An online home based business is today the quickest way to jumpstart your desire to get a business up and running in a very short period of time. If you don’t know where to start, here are 3 proven ways that will help you implement your business very quickly:1. Get a mentorAnybody starting an online business will quickly realise how overwhelming the wealth of information can be. New marketers are exposed not only to dozen of ways on making money online, but also to unscrupulous methods designed to rip them off.It is very difficult to make a good decision when one doesn’t have a clue on what works and what doesn’t work. The only way to guarantee some kind of success is to follow the steps of somebody who has already been successful in this business. The need for a mentor is crucial as anybody starting something new would need to be trained properly (you need to have marketing skills) and thus avoid all the mistakes every marketer is bound to make.So find out who is successful in this business. Read reviews on them from those who have been trained them. Enroll on your chosen program and stick to it despite obvious hurdles. Perseverance goes a long way toward your success online.2. Promote affiliate productsAn affiliate product is an item that someone else produces, delivers and support. Your role as an affiliate will be to recommend that others that company’s website with the prospect of getting sales commissions when someone makes a purchase as a result of your recommendation. This is probably the easiest way to jumpstart your home based business online as it will take away the hassle of having to create your own products, to deal with issue of delivery or to even provide support to customers. There is numerous affiliate programs on the internet, and the most popular one is ClickBank.com. You could go on a search engine and type a specific topic followed by the words “affiliate program”. Affiliate programs don’t usually require you to create a website to promote them, so you can earn very fast with this method.Just make sure you promote a product that you are interested in. People will be attracted not just by the quality of the product, but also by the passion you demonstrate in promoting it.3. Expand your business by selling your own products and servicesCreating and selling your own products and services can prove to be the most challenging option because you have much work to do before you can begin selling. However there is no substitute for creating your own product if you aim to establish a long-term home based business. It is true that with affiliate programs proven content is normally already provided for you, ramp-up time is fast and investment is low.
However creating your own products gives you more creative control and long-term growth potential. Information products are still king (ebooks, especially the “How to” books). Audio is queen (CD set showcasing your knowledge or interview of an expert). Video is hot (offering video on a website can enhance sales dramatically).You could also consider doing a Webinar, which is a live presentation or training session online. The best part about Webinars is that they can be recorded and offered as a product for sale.
So creating your own product is a must for whoever wants to gain greater financial security. Remember, you do keep 100% of all the profits with this method.In a nutshell: there is no limit to what you can do when you consider starting a home based business on the internet. Follow these steps with confidence, but above all make sure you ease the whole process for yourself by getting a mentor.

5 Ways to Achieve Financial Freedom and Achieve Your Goals in Your MLM Or Home Based Business

Setting goals in your MLM or home based business is the most important thing you can do towards reaching the success and financial freedom you are looking for. As the famous baseball player Yogi Berra once said, “If you don’t know where you’re going, you might not get there.” Goal setting is responsible for just about all of my accomplishments from graduating top in my college and law school classes, to prevailing in cases I tried in court, to making time to stay in shape, to success in my MLM home based business, to spending quality time with my family and fostering my hobbies. Here are five ways to realize your goals in your MLM or home based business.Write Down Your Goals Most people have goals. But these goals tend to be ones that are broad and just floating around in our heads. The simple task of writing down your goals, along with the steps required to reach each one, is the difference in whether you will break into the 5% of the population who makes all the money or stay in the 95% who work for them. Psychologists say that 95%-97% of the population does not have written goals and fail while 3%-5% do have written goals and succeed. So, if this simple task can move you into the echelons of successful and financially independent folks, why not take the time and discipline to do it?Visualize Your Goals You should spend a few minutes every day (I do it when I am going to sleep at night) to really imagine your life as it will be when your goals are met. What will your home look like? What will your appearance look like? How will you spend your days? What people will you surround yourself with? What music will you be listening to? What will your car, and office look like? Where will you vacation?Review Your Goals Regularly Almost as important as setting your goals and writing them down is taking the time to review them regularly. You should get in the habit of reviewing your MLM or home based business goals at least a few times a week. I suggest typing them out and taping them to the bathroom mirror and putting them next to your bed. This way they are the first thing you look at in the morning and the last thing you look at before bed.Listen To/Read Motivational CD’s/Books According to the Mayo Clinic, positive and motivational material can lead to better coping skills, decreased negative stress and even an increased immune response to the common cold. These books and audio books are great at keeping you focused on attaining your goals and establishing confidence in yourself while growing personally. A good MLM or home based business should provide this as well as suggest good books to read to listen to on CD.Never Stop Training According to the SBA Office of Advocacy, 52% of Americans are involved in a home based business. An MLM is the easiest kind of home based business to start because of the minimal investment, the support provided, and the training available. A key to achieving your goals in your MLM home based business is to be constantly learning. You will grow personally and professionally by tapping into the training made available to you. The best MLM companies will train you to achieve your goals and develop into a successful entrepreneur.Find the right MLM or home based business, follow these tips and never abandon your goals. Know that there will be bad days and good days. There will be challenges and bumps in the road. But, never lose sight of the big picture. Zig Ziglar once said that, “A goal casually set and lightly taken will be freely abandoned at the first obstacle.”

Legitimate Home Based Business Opportunity – How To Tell If A Home Business Is Legitimate or Not

Finding a legitimate home based business opportunity isn’t always easy with all the hype and fluff that’s out there. However, there are a lot of great, legitimate opportunities and in this article I’m going to give you some tips on how to find them.How To Tell If A Home Based Business Is Legitimate or NotWhen you are looking for a home business opportunity, there are a couple of specific things to look for that will help you decide whether or not it’s legitimate. Those two things are the cost of the program or opportunity, and how much time is needed in order to succeed. Let’s start with the start up cost…If you did a search for home businesses on the Internet, you would be overwhelmed with the number of sketchy opportunities you’d find. There are pretty easy to spot too. Most of them with a start up cost in the $25-$50 price range, and all of them promising to make you thousands per month on auto-pilot. If come across an opportunity like this, run the other way.Don’t fall for these sales pitches: “New unique software generates $20,000 per month with only 3 clicks of your mouse, all on complete auto-pilot.” If you are looking for a legitimate home based business opportunity that can generate you a full time income from home, avoid low cost programs or opportunities with unrealistic claims. They may sound appealing but trust me they will just take your money.Another thing you should look for is how much time an opportunity claims you will need to work in order to be successful and earn an income. If you come across an opportunity that claims you only need to work 10 minutes per day or 3 hours per week, it’s probably not that legit.It does take hard work and dedication in order to be successful in the home based business industry. If you can’t, or aren’t willing to devote at least a couple of hours per day into your business, you are going to struggle. Any opportunity that tells you that you can be successful and make tons of money just pushing a few buttons, without doing any work, is not a legitimate home based business opportunity.

Internet Home Based Business – Marketing Yourself on the Web

The phenomenon of the Internet has become a part of our daily lives, so it seems natural to build and internet home based business where you can work from home via the online community. In fact, many organizations are now doing business almost exclusively online. However, in order to build your internet home based business you need to market your products and services.If you have a start-up internet home based business, you are probably working on a limited budget. Fortunately there are a number of resources available to you to market your internet home based business to the online community. One inexpensive option is to use a pay-per-click marketing program to advertise your internet home based business online. Many large search engines like Google and Yahoo! offer programs where you can advertise your business and only pay when someone clicks on your advertisement. The cost of each click varies, ten cents and upward, based on the popularity of the keywords you register.Another inexpensive technique to advertise your internet home based business is to share advertising with other websites. If you know of websites that your consumers may frequent, you can discuss swapping advertising on each other’s sites. You can also write articles about your internet home based business products or services to be used in other people’s e-zines which offers you free advertising on the web.Offering a newsletter or freebie is a great way to advertise your internet home based business for little time and effort. Having people sign up on your website for a free newsletter courtesy of your internet home based business is a great marketing technique. A newsletter allows your potential consumers know what you have to offer and how it can help them in their endeavors. If you do not have time to create a whole newsletter, then maybe start an e-mail list for simple tips or coupons.

Home-Based Business Opportunity? Why Should You Be Contemplating on One?

There is a home-based business opportunity for every individual that (he/she) feels to utilize their knowledge and skill to become their own boss and work toward their own financial freedom instead of working hard to enrich someone else.

A home-based business is a business where the center of the business is situated in the owner’s home. This leads to one very important consideration, especially if you have a family: How are you going to separate your home and workplace? When considering a home-based business opportunity it is important to think about these factors as it can influence both your work situation and home life negatively when approached in a wrong way.

While considering a home-based business opportunity, one need to first assess ones talents to identify what one is really good at. These talents will form the bases for one’s business and will determine to a great extent the success that should come thereof. Closely related to assessing your talents, is examining your skills & talents, in other words, what you can do! Skills will develop as you are using and learning as you are developing your talents.

Your home-based business opportunity will come together if one can use both his/her skills & talents to create result bringing business ideas. The service that you render can be professional services such as advisory services or bookkeeping. Unfortunately, manufacturing businesses from home that entails clients coming and going the whole day might upset their neighbors. Ensure that your home-based business opportunity can be really workable from home.

It is important to assess your home-based business opportunity in terms of the profit angle. As you will be working from home, it will be necessary for you to distinguish between your office expenses and your home expenses. Do not fall into the trap of getting your home and office expenses mixed up, as you will not be able to determine your real business profit. To help you do this, an important starting point would be to have a separate phone line for your business. Many people fall into the trap of using their home phone lines just for starters and fall into the habit of doing so. In the end your business will show a profit, but your home expenses will be more because of your telephone.

A home-based Internet business has several benefits, one of them being the time freedom that you can make through the leverage of time and money. You will not be subject to any rules. There is no boss, no time schedule and no corporate structure. Make sure that you do not become to relax because of this. It is still important to maintain a professional image and work according to your own rules. Remember, if you do not work, you do not get money. Make the best of a home-based Internet business to make sure that you reap the rewards. If you are your own boss, you are the only one that can make it work.

Big Banks Shun Small Business

Any small business owner who recently tried to secure a loan will tell you it isn’t easy. Now data clearly shows the broader effects of this struggle.

The Wall Street Journal recently reported that the 10 biggest banks in the country that issue small loans to businesses lent $27.8 billion less in 2014 than the industry’s 2006 peak, according to the Journal’s analysis of federal regulatory filings. (1) This decline has forced many small business owners to turn to higher-cost funding sources.

The response is similar to that of individuals who are turned away by banks and then resort to expensive and risky alternatives. For businesses, these may be nonbank lenders, often in the form of online companies that require little or no collateral but that charge much higher interest rates than banks. While not all of these lenders are predatory, the space is still largely unregulated. For small amounts, some business owners are turning to nonprofit microlenders or crowdfunding to try to fill gaps, though both have serious limitations.

But many businesses are simply turning to credit cards when they cannot secure traditional small business loans. According to the Journal, small business spending on credit and charge cards will total an estimated $445 billion in 2015, compared to $230 billion back in 2006, when conventional lending was readily available. (1)

It may be more profitable for banks, but this solution is bad, and probably unsustainable, for business owners. As Robb Hilson, a small business executive with Bank of America, told The Wall Street Journal, “If someone wants to buy a forklift, it doesn’t make sense to put it on a credit card.” (1) Yet many small businesses have little other choice for now.

This result is not surprising. Large banks generally find small loans unattractive, partly because of their relatively high costs and partly because of tighter regulatory requirements. A Goldman Sachs analysis earlier this year cited the reduced availability of credit as one of the principal reasons small businesses have faltered in the wake of the financial crisis while large enterprises have largely recovered. (2) As regulators cracked down, it became uneconomical for banks to serve clients other than the most creditworthy. Startups seldom make the cut.

My own experience mirrors others. Even with a 23-year-old business that operates across the country, banks want hard collateral before they will make substantial loans. And when the chief assets of a business consist of loyal customers and really smart employees, the only available collateral is personal real estate. And even real estate was not enough at the first bank I approached; geography came into play too. If banks find our established firm too risky to make unsecured loans, many smaller or newer enterprises do not stand a chance.

With big banks out of reach, small community banks should have been ready to step into the gap, eagerly courting new customers. But that has not happened, largely because the number of such banks continues to decline. This trend predates the Dodd-Frank financial regulations, but the regulations sharply accelerated the community banks’ loss of market share.

This is not to say that all community banks are in immediate danger of going under. To the contrary, recent data from the Federal Deposit Insurance Corp. suggests that those that have held on have expanded their lending and narrowed the profitability gap with larger banks.

While this is good news, it’s not enough to fill the gap in small business lending. And it seems unlikely to do so soon, since new bank establishments have dropped nearly to zero, thus cutting off a supply of lenders who are eager for new customers. According to an FDIC report from April 2014, there were only seven new bank charters total from 2009 to 2013, compared with over 100 annually prior to 2008.

The small banks that have survived have largely done so by being just as risk-averse as the big banks with which they compete. Regulation has simply made it foolish to act otherwise. But this leaves all small businesses except those with established history, sterling credit and substantial collateral without the means to secure the capital they need to make their enterprises grow.

Small businesses are crucial drivers of new jobs and new products for our economy; their credit struggles are probably a significant reason this economic expansion has been sluggish by historical standards. We have made it unattractive for big banks to serve small businesses, and small banks are not ready to fill the gap. We all pay the price.

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.


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