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Student Loans Should be Last Resort

Student loans are both a blessing and a curse to college students all across the country. On one hand, student loans allow you to have the money you need in many cases to attend college at all. On the other hand, most college students, particularly those entering college for the first time have inflated opinions of their starting salaries upon graduation and the bills they will face while living in the real world. In fact, most freshmen college students have no real concept of the limits of money in which to base their decisions as to whether or not they can realistically expect to repay those funds once they've graduated college.

The sad truth is that many college graduates find that for the first 10-15 years after they have graduated college, they are essentially indentured servants to their student loan debts. There are many reasons for this and different college graduates will find different things about their student loans when the appropriate time comes. First of all, those taking out student loans need to understand that a college degree does not guarantee a high starting salary. Beyond that, a college degree is no guarantee that there will be employers lining up to take your name and number upon graduation. The truth is that most college grads take anywhere from 6 months to a year to find a job in their fields and even then the starting salaries are often far less than anticipated.

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Part of the blame for over-inflated expectations is the fault of universities attempting to validate their high tuition rates by displaying average starting salaries of only those that have successful offers in the field of study immediately upon graduation (which usually indicates a history of working with the company or another company as an intern prior to being hired) and not those students who have no prior work experience in their chosen fields. Part of the expectations is students reading job advertisements for experienced workers in a field and assuming that an education will provide the experience that employers require. Regardless of the reason, most starting salary expectations are not realistic in light of the current market.

The problem is that for many students a student loan is the difference in receiving a college education or not receiving one. For these students, there is no option. The price they will pay (with interest) for having student loans in order to get through the educational process will repay itself over the course of a lifetime if they are wise about making the necessary payments and stay on top of things such as consolidation loans and making payments on time.

Student loans are a great tool for those who have no other options when it comes to attending and affording to attend a university. On the other hand, for those who do not have an absolute need for the funds a student loan can provide they can prove to be problematic when trying to establish your career and your lifestyle upon graduation. This is a tool for education that should be used sparingly at best.

Whether or not you choose to take out student loans in order to fund your college education it is a good idea if you exhaust all other available resources first. Check out your options for grants, scholarships, and work-study programs before leaping into student loans to pay for your education.

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How to write Business-to-Business Advertisement

Business-to-business firms are those firms that sell products and services among themselves. The selling is done to a client of other company, who might use the product for intermediate purposes or so. The advertisements relating to B2B companies should not only generate interest but it should also be simply outstanding despite the tough competition. In the market, there are several firms who produce the same stuff and they reach out for clients with whom they want to do business. So finding the right client isn’t a big deal, but actually getting hold of them is.

In written content, use the name of the company in the first sentence; preferably first word. It is not pleasing to start with ‘we’. Following it, give a brief introduction about the company. In todays, busy world people don’t have time to waste so deliver the message right away. Using catchy adjectives will do the trick. The sentence should be framed so that the client knows about the company, what it does and how it is unique from others. Pose questions before creating the writing material, like what is that the customer will expect and do they demand high quality. Don’t hesitate to use ‘you ’ very often. The reader will feel that he is directly being referenced and it will be easier for him to relate to.  

Play with customer’s psychology. Understand the difficulties faced by them and then show them how the company or the company’s product can solve it. Call of action can be given then and offer to clear their doubts. It should be more than just a helpline. The action should be really immediate. Simply don’t let the client slip away.  

After the initial writing, write in detail about the product or service provided. This is in-depth information for those concerned about your company’s product. Point out the advantages of using them. Write them in a hierarchical form with numbering or bullets. If writing short paragraphs, strong sub-titles can be used as heading of individual paragraphs. Again, using adjectives will be good.

A good amount of entertainment factor should be added. This will retain the interest of the customer and will not distract him. But if lots of it is used, it will simply become shabby. It’s a nice idea to use product noun as a verb along with other adjectives.

Submit website and advertisements to search engines. Millions of people use it everyday to find what they need. If the website is search engine optimized, it will surely get lots of traffic. The name of the company and keywords should densely populate the website content. Make it a compulsion for the visitor to go through the advertisement before moving on to the registration or payment process. Some B2B websites don’t allow adding an email address or URL in the advertisement. They can be tracked in by actually spelling out dot or at in the email address or website link.

Once the customer is lured, they should be maintained. The product should be delivered on time. Quality should be maintained. Once it is done, not only will they start trusting the company but also at the same time they will spread the word about the company. They will advertise for free. Their experience with the company will motivate others to join the bandwagon.