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Need some inspiration for marketing your business? The recent age of technology has continuously exploded over the past few years, and different marketing methods have come and gone. A business needs to stay on top of the latest statistics regarding strategy if it wants to compete in its respective market. This research has been compiled here for precisely that purpose. In this paper, some of the top marketing methods of 2021 are highlighted for B2B (Business to Business) and B2C (Business to Consumer) marketing. In addition, the pros and cons of each are laid out to help give more depth to the general idea of B2B and B2C. Hopefully, you will find inspiration to adopt these methods into your marketing strategies.B2B (Business to Business) vs. B2C (Business to Consumer) MarketingThe concept of B2B vs. B2C marketing is self-explanatory; it is simply a difference in the target audience. However, the differences in their marketing methods are not self-explanatory, so an easy way to visualize these statements is through an example. Let’s say you are a grape farmer, and harvest is approaching. You could go the B2B route of selling to a grocery store or vintner(winemaker), or you could go the B2C route of setting up an online store or stand at a local farmers market. It’s no easy choice. Do you sell to a lower price per grape to the store/vintner while buying in bulk? Or do you sell at a higher price directly to consumers, but you must go through the effort of reaching the consumer, and you risk not selling all your product? It is also not as simple as just selling your product. You must market it. This brings up the central question inspiring the following two sections:Two B2B Marketing MethodsSEO:Search engine optimization, or SEO for short, is an essential strategy to implement into your marketing if you are working B2B. Out of other marketing methods, SEO is the best strategy to generate income for your business, but what does implementing SEO entail? The goal of SEO is to optimize the content on your website (Onsite SEO) and promote it (Offsite SEO) to more frequently place your website at or near the top of user searches within search engines such as Google Bing, Yahoo, and you name it. The key is to understand your target audience and what keywords will go into their search bar. Search Engines like Google are automated. You cannot tell Google that your website is selling grapes to businesses. Your content must reflect that. Try searching “buy grapes in bulk.” Keywords from each website are displayed in the search. This part of Onsite SEO is relatively intuitive. Still, you must go beyond including all kinds of keywords in your content because your audience isn’t as predictable as you might think, and they may not necessarily be looking for your business. For your grape business, maybe the audience will search more generally, perhaps “fruit in bulk” or something along those lines. Consideration is a must to ensure your website content matches as many possible searches as possible.Social Media Marketing:Social media is the home to many, and that is precisely why it is an excellent platform for you to promote your business. Social media marketing is a great strategy to implement into your marketing and works great in tandem with other marketing efforts such as Offsite SEO. This strategy has incredible influence over B2B conversion rates resulting in increased traffic to your website and profit for your business. It is challenging to master and potentially dangerous if you outsource and entrust the work of Social Media Marketing to someone reckless since one bad tweet could get your business in trouble. However, the humanization your brand gets trust and the free feedback you receive from those online is worth the effort. Whether it’s a short video, an image, a tweet, a comment on another post, this kind of content, while seemingly worthless, is excellent for your business. These little bits are easy to digest for other users, and they are tricked into digesting it in some cases as although they may not be actively looking to spend their money, seeing these social media posts gets them to think about your business even if its subconscious.Two B2C Marketing MethodsPPC (Pay Per Click):”Pay Per Click” refers to the monetization method where each click comes at a price. For example, should Pay-Per-Click advertisements be used on sports articles, readers may be drawn to click on ads regarding the teams mentioned in the report, such as apparel, other articles, or activity-related products. This uses the reader’s interests to help target advertisements and can also spread awareness. Search ads can boost brand awareness by up to 80 percent instilling memories into consumers, thus showing the importance of targeted marketing having a profoundly positive effect on the advertised product through exposure. Similarly, the widespread use of the internet with Google’s 160 billion searches per month showcases the potential monetary profit of Pay-Per-Click advertisements. Thus, not only do the advertisers receive payment for clicks on their advertisements, but the likelihood of users buying the advertised product increased due to the increased website traffic and appropriate placing of the ad.Cobranding Marketing:Co-branding is an essential strategy used by several top brands to keep their product or service new and different. It is a partnership where two companies create a unique third product using their brand name to draw in consumers, resulting in monetary or publicity gains for both parties. There are several benefits to co-branding: a broader audience as this method brings two brands together, which includes their respective following. An example of this occurred recently when the South Korean pop group known as “BTS” partnered with McDonald’s to make their signature meal. Fans of both McDonald’s and BTS came together, resulting in this co-branding deal boosting McDonald’s worldwide sales by 41% during the agreement and the pop group making a reported 8.89 million USD from the partnership.Any competent business owner knows to seize every opportunity to promote and expand where reasonably possible, and what’s the harm in reaching out to another company with an idea if you truly believe it will work?The following contains some short summaries detailing the basic pros and cons of each marketing method.B2B Pros• Profit Margin – The nature of B2B sales is generally far more prominent than most B2C sales. B2B sales often are in bulk with small items with perhaps scheduled re-orders or other cases like contractors the sale is always going to be significant. In addition, the market potential for B2B feeds into this profit margin well. Something such as grapes going B2C at a farmers’ market is limited in that it targets consumers who want to eat the grapes or perhaps use them for a recipe. However, grapes going B2B have various options like selling in bulk to vintners, grocery stores, companies that make grape jelly, you name it.• Location of Sales – A large majority of B2B commerce is done on the web. This is a good thing as it is far easier to manage an online presence than to maintain something like a storefront. The location for your selling also benefits the audience you sell to. It is more convenient for them to shop online rather than require physical effort to purchase a product. The ease of a good online website and the smoothness of the transaction go a long way for getting sales.• Security – No part of B2B is easy, but once you secure some contracts or ongoing deals, there’s good stability to be had from that. B2C is scary in that you could have your products go from flying off the shelves to forgotten quicker than you may realize. Any stability in the business world is something to be desired.B2B Cons• Competition – This con applies to both B2B and B2C, but in a scarier way. If you aren’t already a big name in your respective market, it is going to be extremely difficult to secure any contracts, deals, or even just one-time purchases. Even if you manage to secure one deal, you run the risk of your business flopping if you rely on just that to stay afloat. It is also harder to compete in marketing against more prominent names as they are already out there, so it is relatively easy to stay out there. Still, you must work on both getting out there and maintaining whatever position you hold. Other problems with the competition are the monopoly many places have. Big names can survive simply undercutting your price to whatever consumer while you might not be able to. You must be very careful when entering markets and avoid being shut out.• Difficult Entry – Given the vast majority of B2B commerce taking place online and the quick judgment by consumers, you need to have a robust online presence and a good website which can be expensive and difficult to set up initially. Extensive research must be done to understand the customer’s desire and streamline that experience for them.• Negotiations – You, a business trying to min-max profits, are selling to another company trying to accomplish the same. A big part of B2B commerce is negotiating with customers to reach a deal that both parties are happy with, especially since prices you may list on your website are likely not as low as you are willing to go.B2C Pros• Sales Cycle – Sales cycle is essentially the stage at which a purchase is made. There is a significant benefit to B2C commerce in that the sales cycles are much faster and easily influenced by provoking certain emotions. B2B sales take an immense amount of time as they are often big purchases for big projects, and so the buyer will take their time to ensure they find the best deal with a high-quality partner. B2C commerce can happen in seconds with someone thinking, “Oh, these grapes look good, let me buy them!”. If you can cater your product towards the quick decision-making of buyers, you can generate good sales.• Discounts – One great thing about B2C is the ability to offer discounts. This partly feeds into the sales cycle, but having values makes customers feel like they are getting a good deal and may buy a product they don’t even need. Or in some cases, loyalty programs offering discounts or free items after certain purchases can be geared towards your profit margin when set up correctly. Loyalty programs are great as it gives the incentive to create a relationship with customers like that in B2B markets. Still, here you can get repeat customers to provide you with business continuity.• Customer Base – While B2B markets directly to a business, B2C calls to a consumer. Everyone in the world is a consumer and is thus a potential customer, while B2B does not have that liberty. This, of course, does not mean your product appeals to everyone and will mean you have an infinite customer base, but the percentage of people potentially looking for a product like yours is massive. This can be of big help to any B2C business, especially those that sell “occasional” purchase products like furniture in that a large customer base means you do not need to rely on repeat customers.B2C Cons• Slow return on investment – The high upfront costs of starting your business with storefronts, websites, marketing campaigns add up quickly. With the generally low price of B2C products and usually prolonged initial start to new business, one should expect profits to be in the red for a while.• Quantity of sales – With large sales comes to the downside of an increased number of issues customers may have. If one wants to get good ratings and maintain an excellent reputation, one must deal with problems that arise well. It is easier said than done since many issues can be hard to resolve in ways that don’t overeat out of profit.• Marketing – This applies to any business, but it is especially hard for B2C commerce. Like how big-name B2B companies can undercut you and shut you out, B2C companies do that on a more complex scale. The profit margin on a majority of B2C products is already low given the generally low price anyway. So it is hard to compete for customers looking for a reasonable price. When you cannot afford to lower your cost further, how do you market your product as “worth the price” in the face of competitors? It is hard enough to get your product on the shelves or in the market, but you also must market that to large numbers of customers.Which is better? B2B or B2C?The simple truth one, as an aspiring business owner likely knows, is it depends. It truly does not matter which one is better, and depending on your business, both might even be an option. This paper is not meant to sway a business owner to go down a specific route but rather inform one about the way they plan to take already. There is no easy method in the business world, and as someone without any business experience, I am not in a position to dictate where one’s business should go.

In the past few decades there has been a revolution in computing and communications, and all indications are that technological progress and use of information technology will continue at a rapid pace. Accompanying and supporting the dramatic increases in the power and use of new information technologies has been the declining cost of communications as a result of both technological improvements and increased competition. According to Moore’s law the processing power of microchips is doubling every 18 months. These advances present many significant opportunities but also pose major challenges. Today, innovations in information technology are having wide-ranging effects across numerous domains of society, and policy makers are acting on issues involving economic productivity, intellectual property rights, privacy protection, and affordability of and access to information. Choices made now will have long lasting consequences, and attention must be paid to their social and economic impacts.One of the most significant outcomes of the progress of information technology is probably electronic commerce over the Internet, a new way of conducting business. Though only a few years old, it may radically alter economic activities and the social environment. Already, it affects such large sectors as communications, finance and retail trade and might expand to areas such as education and health services. It implies the seamless application of information and communication technology along the entire value chain of a business that is conducted electronically.The impacts of information technology and electronic commerce on business models, commerce, market structure, workplace, labour market, education, private life and society as a whole.1. Business Models, Commerce and Market StructureOne important way in which information technology is affecting work is by reducing the importance of distance. In many industries, the geographic distribution of work is changing significantly. For instance, some software firms have found that they can overcome the tight local market for software engineers by sending projects to India or other nations where the wages are much lower. Furthermore, such arrangements can take advantage of the time differences so that critical projects can be worked on nearly around the clock. Firms can outsource their manufacturing to other nations and rely on telecommunications to keep marketing, R&D, and distribution teams in close contact with the manufacturing groups. Thus the technology can enable a finer division of labour among countries, which in turn affects the relative demand for various skills in each nation. The technology enables various types of work and employment to be decoupled from one another. Firms have greater freedom to locate their economic activities, creating greater competition among regions in infrastructure, labour, capital, and other resource markets. It also opens the door for regulatory arbitrage: firms can increasingly choose which tax authority and other regulations apply.Computers and communication technologies also promote more market-like forms of production and distribution. An infrastructure of computing and communication technology, providing 24-hour access at low cost to almost any kind of price and product information desired by buyers, will reduce the informational barriers to efficient market operation. This infrastructure might also provide the means for effecting real-time transactions and make intermediaries such as sales clerks, stock brokers and travel agents, whose function is to provide an essential information link between buyers and sellers, redundant. Removal of intermediaries would reduce the costs in the production and distribution value chain. The information technologies have facilitated the evolution of enhanced mail order retailing, in which goods can be ordered quickly by using telephones or computer networks and then dispatched by suppliers through integrated transport companies that rely extensively on computers and communication technologies to control their operations. Nonphysical goods, such as software, can be shipped electronically, eliminating the entire transport channel. Payments can be done in new ways. The result is disintermediation throughout the distribution channel, with cost reduction, lower end-consumer prices, and higher profit margins.The impact of information technology on the firms’ cost structure can be best illustrated on the electronic commerce example. The key areas of cost reduction when carrying out a sale via electronic commerce rather than in a traditional store involve physical establishment, order placement and execution, customer support, strong, inventory carrying, and distribution. Although setting up and maintaining an e-commerce web site might be expensive, it is certainly less expensive to maintain such a storefront than a physical one because it is always open, can be accessed by millions around the globe, and has few variable costs, so that it can scale up to meet the demand. By maintaining one ‘store’ instead of several, duplicate inventory costs are eliminated. In addition, e-commerce is very effective at reducing the costs of attracting new customers, because advertising is typically cheaper than for other media and more targeted. Moreover, the electronic interface allows e-commerce merchants to check that an order is internally consistent and that the order, receipt, and invoice match. Through e-commerce, firms are able to move much of their customer support on line so that customers can access databases or manuals directly. This significantly cuts costs while generally improving the quality of service. E-commerce shops require far fewer, but high-skilled, employees. E-commerce also permits savings in inventory carrying costs. The faster the input can be ordered and delivered, the less the need for a large inventory. The impact on costs associated with decreased inventories is most pronounced in industries where the product has a limited shelf life (e.g. bananas), is subject to fast technological obsolescence or price declines (e.g. computers), or where there is a rapid flow of new products (e.g. books, music). Although shipping costs can increase the cost of many products purchased via electronic commerce and add substantially to the final price, distribution costs are significantly reduced for digital products such as financial services, software, and travel, which are important e-commerce segments.Although electronic commerce causes the disintermediation of some intermediaries, it creates greater dependency on others and also some entirely new intermediary functions. Among the intermediary services that could add costs to e-commerce transactions are advertising, secure online payment, and delivery. The relative ease of becoming an e-commerce merchant and setting up stores results in such a huge number of offerings that consumers can easily be overwhelmed. This increases the importance of using advertising to establish a brand name and thus generate consumer familiarity and trust. For new e-commerce start-ups, this process can be expensive and represents a significant transaction cost. The openness, global reach, and lack of physical clues that are inherent characteristics of e-commerce also make it vulnerable to fraud and thus increase certain costs for e-commerce merchants as compared to traditional stores. New techniques are being developed to protect the use of credit cards in e-commerce transactions, but the need for greater security and user verification leads to increased costs. A key feature of e-commerce is the convenience of having purchases delivered directly. In the case of tangibles, such as books, this incurs delivery costs, which cause prices to rise in most cases, thereby negating many of the savings associated with e-commerce and substantially adding to transaction costs.With the Internet, e-commerce is rapidly expanding into a fast-moving, open global market with an ever-increasing number of participants. The open and global nature of e-commerce is likely to increase market size and change market structure, both in terms of the number and size of players and the way in which players compete on international markets. Digitized products can cross the border in real time, consumers can shop 24 hours a day, seven days a week, and firms are increasingly faced with international online competition. The Internet is helping to enlarge existing markets by cutting through many of the distribution and marketing barriers that can prevent firms from gaining access to foreign markets. E-commerce lowers information and transaction costs for operating on overseas markets and provides a cheap and efficient way to strengthen customer-supplier relations. It also encourages companies to develop innovative ways of advertising, delivering and supporting their product and services. While e-commerce on the Internet offers the potential for global markets, certain factors, such as language, transport costs, local reputation, as well as differences in the cost and ease of access to networks, attenuate this potential to a greater or lesser extent.2. Workplace and Labour MarketComputers and communication technologies allow individuals to communicate with one another in ways complementary to traditional face-to-face, telephonic, and written modes. They enable collaborative work involving distributed communities of actors who seldom, if ever, meet physically. These technologies utilize communication infrastructures that are both global and always up, thus enabling 24-hour activity and asynchronous as well as synchronous interactions among individuals, groups, and organizations. Social interaction in organizations will be affected by use of computers and communication technologies. Peer-to-peer relations across department lines will be enhanced through sharing of information and coordination of activities. Interaction between superiors and subordinates will become more tense because of social control issues raised by the use of computerized monitoring systems, but on the other hand, the use of e-mail will lower the barriers to communications across different status levels, resulting in more uninhibited communications between supervisor and subordinates.That the importance of distance will be reduced by computers and communication technology also favours telecommuting, and thus, has implications for the residence patterns of the citizens. As workers find that they can do most of their work at home rather than in a centralized workplace, the demand for homes in climatically and physically attractive regions would increase. The consequences of such a shift in employment from the suburbs to more remote areas would be profound. Property values would rise in the favoured destinations and fall in the suburbs. Rural, historical, or charming aspects of life and the environment in the newly attractive areas would be threatened. Since most telecommuters would be among the better educated and higher paid, the demand in these areas for high-income and high-status services like gourmet restaurants and clothing boutiques would increase. Also would there be an expansion of services of all types, creating and expanding job opportunities for the local population.By reducing the fixed cost of employment, widespread telecommuting should make it easier for individuals to work on flexible schedules, to work part time, to share jobs, or to hold two or more jobs simultaneously. Since changing employers would not necessarily require changing one’s place of residence, telecommuting should increase job mobility and speed career advancement. This increased flexibility might also reduce job stress and increase job satisfaction. Since job stress is a major factor governing health there may be additional benefits in the form of reduced health costs and mortality rates. On the other hand one might also argue that technologies, by expanding the number of different tasks that are expected of workers and the array of skills needed to perform these tasks, might speed up work and increase the level of stress and time pressure on workers.A question that is more difficult to be answered is about the impacts that computers and communications might have on employment. The ability of computers and communications to perform routine tasks such as bookkeeping more rapidly than humans leads to concern that people will be replaced by computers and communications. The response to this argument is that even if computers and communications lead to the elimination of some workers, other jobs will be created, particularly for computer professionals, and that growth in output will increase overall employment. It is more likely that computers and communications will lead to changes in the types of workers needed for different occupations rather than to changes in total employment.A number of industries are affected by electronic commerce. The distribution sector is directly affected, as e-commerce is a way of supplying and delivering goods and services. Other industries, indirectly affected, are those related to information and communication technology (the infrastructure that enables e-commerce), content-related industries (entertainment, software), transactions-related industries (financial sector, advertising, travel, transport). eCommerce might also create new markets or extend market reach beyond traditional borders. Enlarging the market will have a positive effect on jobs. Another important issue relates to inter linkages among activities affected by e-commerce. Expenditure for e-commerce-related intermediate goods and services will create jobs indirectly, on the basis of the volume of electronic transactions and their effect on prices, costs and productivity. The convergence of media, telecommunication and computing technologies is creating a new integrated supply chain for the production and delivery of multimedia and information content. Most of the employment related to e-commerce around the content industries and communication infrastructure such as the Internet.Jobs are both created and destroyed by technology, trade, and organizational change. These processes also underlie changes in the skill composition of employment. Beyond the net employment gains or losses brought about by these factors, it is apparent that workers with different skill levels will be affected differently. E-commerce is certainly driving the demand for IT professionals but it also requires IT expertise to be coupled with strong business application skills, thereby generating demand for a flexible, multi-skilled work force. There is a growing need for increased integration of Internet front-end applications with enterprise operations, applications and back-end databases. Many of the IT skill requirements needed for Internet support can be met by low-paid IT workers who can deal with the organizational services needed for basic web page programming. However, wide area networks, competitive web sites, and complex network applications require much more skill than a platform-specific IT job. Since the skills required for e-commerce are rare and in high demand, e-commerce might accelerate the up skilling trend in many countries by requiring high-skilled computer scientists to replace low-skilled information clerks, cashiers and market salespersons.3. EducationAdvances in information technology will affect the craft of teaching by complementing rather than eliminating traditional classroom instruction. Indeed the effective instructor acts in a mixture of roles. In one role the instructor is a supplier of services to the students, who might be regarded as its customers. But the effective instructor occupies another role as well, as a supervisor of students, and plays a role in motivating, encouraging, evaluating, and developing students. For any topic there will always be a small percentage of students with the necessary background, motivation, and self-discipline to learn from self-paced workbooks or computer assisted instruction. For the majority of students, however, the presence of a live instructor will continue to be far more effective than a computer assisted counterpart in facilitating positive educational outcomes. The greatest potential for new information technology lies in improving the productivity of time spent outside the classroom. Making solutions to problem sets and assigned reading materials available on the Internet offers a lot of convenience. E-mail vastly simplifies communication between students and faculty and among students who may be engaged in group projects. Advances in information technology will affect the craft of teaching by complementing rather than eliminating traditional classroom instruction. Indeed the effective instructor acts in a mixture of roles. In one role the instructor is a supplier of services to the students, who might be regarded as its customers. But the effective instructor occupies another role as well, as a supervisor of students, and plays a role in motivating, encouraging, evaluating, and developing students. For any topic there will always be a small percentage of students with the necessary background, motivation, and self-discipline to learn from self-paced workbooks or computer assisted instruction. For the majority of students, however, the presence of a live instructor will continue to be far more effective than a computer assisted counterpart in facilitating positive educational outcomes. The greatest potential for new information technology lies in improving the productivity of time spent outside the classroom. Making solutions to problem sets and assigned reading materials available on the Internet offers a lot of convenience. E-mail vastly simplifies communication between students and faculty and among students who may be engaged in group projects.Although distance learning has existed for some time, the Internet makes possible a large expansion in coverage and better delivery of instruction. Text can be combined with audio/ video, and students can interact in real time via e-mail and discussion groups. Such technical improvements coincide with a general demand for retraining by those who, due to work and family demands, cannot attend traditional courses. Distance learning via the Internet is likely to complement existing schools for children and university students, but it could have more of a substitution effect for continuing education programmes. For some degree programmes, high-prestige institutions could use their reputation to attract students who would otherwise attend a local facility. Owing to the Internet’s ease of access and convenience for distance learning, overall demand for such programmes will probably expand, leading to growth in this segment of e-commerce.As shown in the previous section, high level skills are vital in a technology-based and knowledge intensive economy. Changes associated with rapid technological advances in industry have made continual upgrading of professional skills an economic necessity. The goal of lifelong learning can only be accomplished by reinforcing and adapting existing systems of learning, both in public and private sectors. The demand for education and training concerns the full range of modern technology. Information technologies are uniquely capable of providing ways to meet this demand. Online training via the Internet ranges from accessing self-study courses to complete electronic classrooms. These computer-based training programmes provide flexibility in skills acquisition and are more affordable and relevant than more traditional seminars and courses.4. Private Life and SocietyIncreasing representation of a wide variety of content in digital form results in easier and cheaper duplication and distribution of information. This has a mixed effect on the provision of content. On the one hand, content can be distributed at a lower unit cost. On the other hand, distribution of content outside of channels that respect intellectual property rights can reduce the incentives of creators and distributors to produce and make content available in the first place. Information technology raises a host of questions about intellectual property protection and new tools and regulations have to be developed in order to solve this problem.Many issues also surround free speech and regulation of content on the Internet, and there continue to be calls for mechanisms to control objectionable content. However it is very difficult to find a sensible solution. Dealing with indecent material involves understanding not only the views on such topics but also their evolution over time. Furthermore, the same technology that allows for content altering with respect to decency can be used to filter political speech and to restrict access to political material. Thus, if censorship does not appear to be an option, a possible solution might be labelling. The idea is that consumers will be better informed in their decisions to avoid objectionable content.The rapid increase in computing and communications power has raised considerable concern about privacy both in the public and private sector. Decreases in the cost of data storage and information processing make it likely that it will become practicable for both government and private data-mining enterprises to collect detailed dossiers on all citizens. Nobody knows who currently collects data about individuals, how this data is used and shared or how this data might be misused. These concerns lower the consumers’ trust in online institutions and communication and, thus, inhibit the development of electronic commerce. A technological approach to protecting privacy might by cryptography although it might be claimed that cryptography presents a serious barrier to criminal investigations.It is popular wisdom that people today suffer information overload. A lot of the information available on the Internet is incomplete and even incorrect. People spend more and more of their time absorbing irrelevant information just because it is available and they think they should know about it. Therefore, it must be studied how people assign credibility to the information they collect in order to invent and develop new credibility systems to help consumers to manage the information overload.Technological progress inevitably creates dependence on technology. Indeed the creation of vital infrastructure ensures dependence on that infrastructure. As surely as the world is now dependent on its transport, telephone, and other infrastructures, it will be dependent on the emerging information infrastructure. Dependence on technology can bring risks. Failures in the technological infrastructure can cause the collapse of economic and social functionality. Blackouts of long-distance telephone service, credit data systems, and electronic funds transfer systems, and other such vital communications and information processing services would undoubtedly cause widespread economic disruption. However, it is probably impossible to avoid technological dependence. Therefore, what must be considered is the exposure brought from dependence on technologies with a recognizable probability of failure, no workable substitute at hand, and high costs as a result of failure.The ongoing computing and communications revolution has numerous economic and social impacts on modern society and requires serious social science investigation in order to manage its risks and dangers. Such work would be valuable for both social policy and technology design. Decisions have to be taken carefully. Many choices being made now will be costly or difficult to modify in the future.

As the cost of living is on an upwards trend people mostly find their present earnings, insufficient in meeting the requirements. So they divert themselves towards business and if already they are businessmen they go for extension of their business. But all these measures need funds to be invested in form of capital. This capital you can borrow in the form of business loan by surfing through commercial loan rates.
Commercial loan rates are the rates at which you can get the loans for serving financial needs in your business. In simple words, it can be said as business loan rates. To get a better understanding of what the commercial loan rate is all about we should discuss about business loans. Business loans are loans for ensuring adequate capital flow for your business requirements. These requirements may be due to any of the following reasons:

oStarting a new undertaking or expanding the current one.

oBuying office space, machinery and equipments.

oBuying raw materials

oPurchasing stationary, computer and other equipments

oAny other financial requirement.

oPaying salaries of staff.

oMiscellaneous requirements

Under a commercial or business loan you can borrow amounts up to ₤1000000 which can further extend to two million. The repayment term is around 5 to 25 years and may even extend depending upon the amount borrowed and lender policies. The interest which you pay on such loans is tax free. This is all about business loans for which commercial loan rate quotes are available online.

Commercial loan rates are available for both secured and unsecured form of business loans. Security gives you better rates and terms whereas with an unsecured option gives you faster approvals for your immediate business needs. You can select any of these methods of borrowing loan depending upon your circumstances.

Lenders in loan market are offering numerable commercial loan rates to choose from. You can get free online quotes for commercial loan rates and compare these rates along with the repayment terms offered with them. With increasing competition in the loan market, lenders are decreasing these rates to attract the borrowers. But beware!!! In order to cover up for such reduction in interest rate, lenders are including hidden charges. To avoid these charges it is always recommended to read out the terms and conditions before signing any of the loan agreement.

Commercial loans are taken out as a variety of different types and terms. Often business need to take out loans in order to keep their company in operating order. This is a very common practice.

Banks are the main provider of commercial loans to businesses. Although businesses occasionally need to finance the entire operating costs they are generally considered short term loans in that they will be paid in full within a very short length of time.

Occasionally companies need to borrow funds for seasonal items such as holidays and sports seasons. The most common reason for this type of loan is to boost inventory for items needed at a time when supply and demand is greatly increased. For instance, as during the Christmas holiday season, at this time of the year a company may need increased inventory due to increased sales potential. Stores that which sell the majority of their inventory during the Christmas season commonly take out seasonal commercial loans. These are intended specifically to insure they will have an ample supply of inventory on hand to sell. Without such loans it would likely be very difficult to purchase enough inventory to supply the demand otherwise.

Another common type of commercial loan is the short term loan. These types of loans are often just as the name implies, short term. Short term loans may be necessary for a variety of reasons, commonly they are used for companies needing to purchase or pay for bulk shipments that will be sold later. These shipments have been bought in bulk for a lower cost or perhaps in anticipation of a large upcoming sale. These types of loans are sometimes taken out many times a year but also repaid quickly with little interest accrued. These types of commercial loans are very helpful especially to small businesses that may lack or have little capital and profit.

Permanent capital loans are yet another common type of commercial loan. These types of loans are often used in start up or even property purchases for businesses that anticipate a good rate of growth and revenue. These are longer in term and accrued interest for the borrower. The lenders often expect significant amounts of collateral to receive these types of commercial loans.

Regardless of the type of business you may choose to invest in most companies have at least one commercial loan that is current. Commercial loans make it possible for new businesses to get up off the ground and operating better. Some of the reasons companies may take out a commercial loan vary but are generally for reasons such as to increase inventory due to anticipated sales, start up and land purchase.

The Gem Lifestyle Network Marketing Program is at the forefront of the new 3D virtual world that is the next wave on the Internet. First, we had websites, then blogs that could be both website and dynamic evolving entities that allowed people to interact. Then, we got Web 2.0 with social networking and interlinking. The virtual 3D world that GEM Lifestyle Network embodies has been heralded as the coming of Web 3.0.In these virtual worlds, you interact as a 3D character with other online representations who are people who’ve signed up for entertainment purposes. When you sign up, you are taken to GEM Island where there is interactive social networking, a 3D casino that has 2 million Euros in jackpot slots, 3D virtual motor racing, football and horse racing and a chance to shop online.The Gem Lifestyle Network Marketing Program is global entertainment platform offering gaming on a level that is so close to the reality of visiting an island paradise with all the games you could ever possibly want.On the business side, there are a number of established network marketers, as well as compensation plan designed to enable Associates to create a very profitable online business. Combining the power of network marketing also known as multi-level marketing, the Gem Lifestyle Network Marketing Program is poised to take off quickly.Because the business model is in the fast-paced, entertainment industry, and GEM Island offers all of the latest and greatest forms of gaming for their players, the revenue possibilities are enormous. A person can become an Associate for a fee of EUR275, and after completing an online application, they will receive three websites to market.The three websites of the Gem Lifestyle Network Marketing Program consist of a site to promote the business opportunity, one to gather players who are not interested in making money but using GEM Island for fun and a third that is the Associate’s back office where they keep track of what’s going on with their business. The back end offers full administrative tools, gives stats and the state of their business overall. The player or entertainment website comes equipped with a multi-story shopping mall where there are a number of retail outlets where real shopping can take place. The Mall will house high fashion stores like Nichole De Carle and the like.The 3D world of GEM Island is a virtual paradise, but when you look and interact with the occupants, it is so close to reality that it will be quite attractive to gamers, called Gemmers right off the bat. As part of the state of the art technology that GEM Lifestyle has, they already have a very simple contract to keep you up to date via your cell phone about the latest and greatest events happening at GEM Island.Entrepreneur and found, Mark Campbell, has a unique vision about GEM Island. He feels that it should be a total immersion, interactive entertainment and social networking portal, where all visitors are quests and it’s a community of guests who can take on the gaming opportunities and indulge in a wide variety of leisure time activities.They have two VIP casinos named, Taak’in Place and Augustus Palace where high rollers go to play and gamble, as well as a fully functional F1 racing circuit and race course for horses. If the gentlemen wish to take a break, there is an exclusive gentlemen’s club where they can kick back and relax in splendor.The management team of the Gem Lifestyle Network Marketing Program includes Mark Campbell whose track record stands for itself in the oil, telecom and gaming sectors. There is also Chris Copeland, Charles Chisnail, Peter T. Powderham and Elaine F. Fishberg, all Founder Associates. This project brings together a unique vision, a top-quality management team with years of successful experience, and technology to offer a one of a kind experience to both players and prospective business people alike.

If your house is a sufferer of a natural disaster and you also must fix it, home repair grants are your very best bet. Provided to American residents, these grants are totally free money that assists the homeowner to handle home fixes he can’t afford.So how will you qualify for home repair grants? Primary and foremost, you must own the property you occupy. It is also a necessity which you belong towards the low revenue bracket, or worse. You may still apply for these grants if you don’t belong to the group of people with limited monetary supply but you might not be the priority. The federal government observes that a primary comes very first, furthermore they also look at who genuinely needs the grants one. So make certain that you just have the sincerest of intentions when trying to get home repair grants, otherwise, think about all other folks who badly will need the grants.The government also focuses on senior citizens who really don’t have the ability to repair their homes since with the lack of monetary revenue. All they’ve to do would be to check out with their local body and verify the details with the system. Other private group of businessmen and foundations are sources of home repair grants. Just for this, you may wish to examine your local advertisement section.All states also have grant programs for disabled residents. These citizens also qualify for these privileges because they can apply for such home improvement grants too. For this, you can check out grants.gov for other home repair grants available. This web site keeps an updated listing of existing grants offered by the US government. Individuals can keep an eye on grants which are related to home repair. You are able to also see the deadlines for each grant they offer. Applications for corresponding grants ought to be submitted before the deadline for a better chance of approval.Qualifying for home repair grants is simple, you’ll be able to apply for as numerous as you want however it may take time prior to and application is approved as they have to examine who really deserves the grant.

Nowadays, the way people search for new cars and shop for automobile products and services has changed significantly due to Internet. Customers are increasingly preferring to search online for cars rather than using traditional ways of classified ads, newspapers, making phone calls, or directly visiting showrooms. Automotive dealers need to have a strong online presence in order to tap these potential customers in this competitive market. Hiring a professional Internet marketing firm that knows the nuances of online marketing can help automotive dealers to effectively market them online and reach out to target market.Convenient For Customers to Find Dealers
As majority of customers are turning towards Internet for searching cars, they expect automotive dealers to have an online presence. There are more chances that a customer will first look for dealers located in their area or local region. Thus, the customers will find it easy to find such dealers if they have a website. An online presence is necessary to target such customers. Also, it is easy for customers to find dealers if they loose the business card or brochure given by dealer. They can find the dealers online by typing the name of dealer, geographic area, or other dealer related information.Get Quality Leads
Getting quality leads is key aspect for maintaining online web presence. An effective online presence gained after implementing various Internet marketing techniques like Search Engine Optimization, e-mail marketing, and social media management etc helps generate more traffic to the website. More web traffic towards dealer website results in getting more quality leads that can turn into potential clients.Improves Sales
An effective website is a crucial element in the online presence of automotive dealers. It is the comprehensive and well designed custom website that helps to convert the leads and increase sales. A well designed website with good information, inventory list, landing page etc that addresses the needs of customers increases the chances of lead conversion and improve sales. Thus, an effective web presence is required to improve the sales.Cost Effective and Generate More ROI
Maintaining an effective online presence through a search engine optimized website ensures that more traffic is generated towards website thereby increasing the chances of lead conversion. Instead of purchasing leads from third party sites, dealers can effectively drive traffic to their website and generate leads organically. Search Engine Marketing including SEO and paid search generates quality leads and more ROI compared to purchasing any third party leads. Thus, maintaining an effective online presence by incorporating various internet marketing techniques proves to be more effective, efficient, and affordable. Dealers can also use other internet marketing techniques with higher ROI that can generate quality traffic.Improves Customer Relationship
An effective online presence for automotive dealers helps to reach out to targeted customers. Dealers can provide continuous updated information, new trends about industry to its existing and new customers that help to strengthen customer relationship. Continuously informing the customers about latest deals, special offers, and sending greetings on festivals, holidays, and birthdays helps in developing customer relationships. The customer is likely to find the dealer who maintains a website to be more reliable.Improves Customer Relationship
An effective online presence for automotive dealers helps to reach out to targeted customers. Dealers can provide continuous updated information, new trends about industry to its existing and new customers that help to strengthen customer relationship. Continuously informing the customers about latest deals, special offers, and sending greetings on festivals, holidays, and birthdays helps in developing customer relationships. The customer is likely to find the dealer who maintains a website to be more reliable.Maintaining an effective online presence is proving to be essential for automotive dealers as majority of customers are beginning their search for cars online. Online web presence also helps to develop reputation among customers by showing expertise in particular field, customer testimonials, and commitment for better customer service etc.