#CLTV 36

[timows-turf]

The State and the Future of Regional Newscasts

The State and the Future of Regional Newscasts

Yesterday (August 31), GMA Regional TV launched their Early Edition for Western Visayas viewers. Alas, GMA is the only national network that has a dedicated and functional regional network group.

[Requested by Zyle Asajar, with helpful insights from Angelo Hapin Santos]

IT’S THE BER MONTHS.

You know what that means.

Jose Mari Chan is out of his cave (figuratively speaking, not literally because…

[transfunnelconsultingpvtltd]

Step-by-Step Guide to Align B2B Sales & Marketing in 2022 - TransFunnel Consulting

It is a no brainer why sales and marketing alignment is the biggest determinant of a company’s success. With statistics of sales-marketing sync causing 34% more revenue from new customers and a 36% increase in customer retention, it speaks volumes for any B2B company to take their next step.

However, businesses across the globe are facing an imbalance in sales and marketing costing the companies trillions in loss annually. However, with a simple and strategic sales and marketing alignment, businesses can balance well between the creative demands, limited budgets, channel decisions and develop sales and marketing strategies that can target work towards a common objective.

This article will give a step-by-step guide for sales and marketing alignment for B2B so that they can work together towards one goal of higher revenue.

Sales and marketing alignment: A step-by-step guide

1. Set shared goals

Setting common goals for the organisation with its vision and mission incorporated defines the first step in forming a clear culture that communicates the company’s objective. Once the employees of the company are clear on what the vision will be, they will commence with questions such as, how will it be marketed, what will be the target audience, how the product or service would be developed and why would certain features be included and how would the leads be identified and nurtured.

This is when sales and marketing alignment reaches the objectives of increasing quarterly revenue, reducing customer churn, increasing CLTV (Customer Lifetime Value) and achieving these objectives through communication. For this purpose, businesses can use communication tools, CRM (Customer Relationship Management) and VPs of Sales and Marketing to serve as the command centre.

2. Ace the demand generation model

Demand generation bridges the gap between a company’s sales and its revenue operations by including multiple touchpoints such as blogging, email list creation, social media promotion and more. Considering demand generation is similar to inbound marketing and lead generation, it forms the glue between sales and marketing and needs to work together. It defines some crucial aspects of a brand such as the stage of demand generation in control, the tools that can help in bringing customers forward and which points to automating for better customer experience.

3. Select from the best tools and build your Martech stack

Marketing and sales can work together to coordinate the evaluation of tools, their purchase and how to use them across the stack. It is vital to consider at this point that even though the tasks seem different, the goal is common for both sales and marketing. You can build an effective, workable stack that can be mutually utilised by both sales and marketing teams. This will help them to identify the purpose of each tool and troubleshoot the issues that appear.

4. Clarify lead scoring 

Once the sales and online marketing consultant are clear on the target market for the product or service, the actual task begins. Now, sales and marketing can bury the long-standing hatchet of the imbalance causing a loss of leads. Sales and marketing alignment can work on lead scoring by measuring the buyer’s intent of a qualified prospect and their value to the brand.

5. Build full-funnel content

The gold standard for every sales and marketing alignment is consistent brand messaging. This makes it crucial for teams to map the content for the customer journey. Their sync needs a clear understanding where marketing clarifies the exact role their content will play in pushing leads down the funnel.

6. Accelerate lead nurture sequences from marketing automation to CRM 

For a smoother and streamlined flow of leads, online marketing lead consultants should provide sales with the exact reasoning on why the prospects are handed to them. Besides, they must also give context on the action those prospects took to gain a place in the marketing database, the scope of those leads and the interaction that lead to their qualification in the funnel.

7. Align data, track and report on the same metrics

When a brand has a bi-directional data sync and a streamlined lead nurturing cycle, both marketing and sales can identify the KPIs and the metrics that are individually and mutually important to them. Both teams can then agree on a way how to track them and how to close the loop of lead conversion.

The problem between marketing and sales is age-old and if not nipped in the bud, can have a detrimental impact on the business. The HubSpot magicians at TransFunnel use the many features and functionalities of this platform to help marketing and sales work together without overstepping their boundaries.

Our sales and marketing alignment and automation process includes defining marketing goals, sales goals, marketing and sales initiatives to achieve those goals, assigning marketing & sales accountability, sales engagement, lead scoring, defining MQL criteria and its handoff to sales.

When marketing passes a lead to sales, it is practically ready to make a buying decision. At TransFunnel, our demonstrable experience in all aspects of HubSpot helps us craft a sales and marketing alignment strategy executed through HubSpot. As the first Diamond Certified HubSpot partner and marketing experts, we have what it takes to not only ensure your marketing and sales work in tandem, but also deliver enhanced marketing and sales returns.

[sujayath-blog]

Strategic Snippets for founders / PMs

A mega-thread on strategic concepts that every founder / PM should know.

1. Kernel of a Strategy: A process to create a strategy. It contains three elements: diagnosis, tenets (guiding principles), and action items. You spend half of the time on diagnosis, another 40 percent on the tenets, and 10 percent on coherent actions.

2. BHAG: It is a big, daring, ambitious goal that pushes the company beyond its boundaries defined clearly with no ambiguity. People get it right away. It has a sense of urgency. It has a purpose. When you first hear it, you will feel it's a joke and that you’d never achieve it.

3. Objectives and key results (OKR): A goal-setting framework that helps companies set an objective, which is “what I want to have accomplished,” and the key results, which are “how I’m going to get it done.” OKRs must be specific and include a way to measure achievement.

4. Operating Plan (OP1) is an annual planning document that covers the strategy for the next 12 months, ways of executing the strategy, and the budget required. BHAG answers WHAT, OKR answers HOW, OP1 answers WHY.5. Flywheel: There is no single action, no grand program, no killer innovation, no lucky break, no miracle moment that creates momentum. Rather, the process resembles relentlessly pushing a giant, heavy flywheel, turn upon turn, building momentum until a point of breakthrough.

6. SMaC (Specific, Methodical, and Consistent) Tenets: A set of operating principles that is the first step in turning strategic concepts into an execution plan. SMaC guides you on what not to do in addition to what to do. SMaC tenets don't change more than 20 percent per year.

7. Blitzscaling: An execution framework that prioritizes speed over efficiency and allows a company to go from "Startup" to "Scaleup" at a furious pace that captures the market. For a startup to move very fast, it must take on far more risk than a company going through the normal.

8. FIRE BULLETS, THEN CANNONBALLS: When you see the enemy ship, you take a little bit of gunpowder and keep firing bullets until one bullet hits the ship. Now, you take all the gunpowder and fire a big cannonball along the same line of sight, which sinks the enemy ship.

9. Play-to-win canvas: Use this to explain your strategy to people who don't have time to read our entire OP1. It contains 1. What is your winning aspiration? 2. Where will you play? 3. How will you win? 4. What capabilities must be in place? 5. What systems are required?

10. Aggregator vs Platform: Aggregators such as Google and Facebook help you get things done. Think of them like Cars. While Platforms are Bicycles. Platforms such as Microsoft and Apple are an aid to humans, not their replacement.

11. Growth Loops: User acquisition funnels are now being replaced with a system of loops. Loops are closed systems where the inputs generate output that can be reinvested in the input. Similar to flywheel but for acquisition/growth.

12. Viral Coefficient (K Factor): The number of new customers the average customer generates. The virality should cover the churn of users. In other words, if k-factor > churn, more users come than users leave, and our product is going to have exponential growth.

13. It's AND. Not OR. The ability to embrace both extremes at the same time. Instead of choosing between X OR Y, they figure out a way to have both X AND Y.Profit AND Growth. Great Customer Exp AND Great Margins. Great Control AND Lean Operations. It's possible to do both.

14. Product-Market Fit: PMF is achieved when your users love your product so much they spontaneously tell other people to use it. It's a binary test. You can always feel product-market fit when it is happening. The customers are buying the product just as fast as you can make it

15. Network Effect: The idea of a network effect is that every additional user increases the value of a good or service. The Internet is an example of the network effect. There could be “internalized” versus “externalized” network effects.

16. Moat: Like the moat that surrounds a castle to provide it with a preliminary line of defense, companies need to have moats or the ability to maintain competitive advantages over their competitors in order to protect their long-term profits market share.

17. High-expectation customer (HXC): is the most discerning person within your target demographic. It’s one who will acknowledge and enjoy your product for its greatest benefit. She is also someone who can help spread the word. Your early adopters are not always your HXCs

18. Bullseye framework: To systematically find the most promising channel. The first step is brainstorming every single traction channel. The second step is running cheap traction tests. The third step is to focus solely on the channel that will move the needle for your product.

19. Level 5 Leaders: Display a powerful mixture of personal humility and stubborn will. They're incredibly ambitious, but their ambition is first and foremost for the cause, for the organization and its purpose, not themselves. They are often quiet, reserved, and even shy.

20. Did he say No?: Usually we pitch what we want, follow up 3-4  times more and then move on if we don’t hear anything positive. Don't move on until we hear the affirmative "NO". Lack of "Yes" is not good enough. We should keep knocking until we hear a strong and clear "NO".

21. Burn Multiple: Calculated as Net Burn / Net New Revenue. How much is the startup burning in order to generate each incremental dollar of revenue? The higher the Burn Multiple, the more the startup is burning to achieve each unit of growth. Burn multiple under 1X is good.

22. Efficiency Score: This is nothing but reverse of burn multiple. It’s a catch-all metric. Any serious problem will eventually impact the Burn Multiple / Efficiency Score by either increasing burn, decreasing net new revenue, or increasing both but at disproportionate rates.

23. Contribution margin (CM): is a product's net sales minus all associated variable costs. The total contribution margin represents the total amount available to pay for fixed expenses and to generate a profit. It can be further divided into CM1, CM2, and CM3.

24. CM1 is sales minus the basic cost of goods sold, discounts and coupons. This is the same as Gross margin.CM2 is CM1 minus logistics, warehouse, CS, payment gateway fees and any other operational variable costs.CM3 is CM2 minus Marketing. EBITDA is CM3 minus indirect costs.

25. Managerial Leverage (aka High Output Management): A manager’s output is the output of all of the people and the teams that report to her. A manager's activity with high leverage will generate a high level of output; an activity with low leverage, a low level of output.

26. Cohort Analysis: Track specific groups of users, known as cohorts, to understand how users engage with your product in the days, weeks and months after you acquire them and, in turn, understand how resilient your growth is.

27. Simon Sinek Circle (aka Golden Circle): There are three parts of the Circle: Why, How, and What.The WHAT represents the products or services a company sells. The HOW is an explanation of why their products/ services are better. The WHY is about what a company believes in.

28. First Who, Then What: Make sure you have the right people on the bus and the right people in the key seats before you figure out where to drive the bus. Always think first about who and then about what. Great vision without great people is irrelevant.

29. Prospecting Pyramid: Arrange your list of leads with high-yield prospects on top and low-yield prospects on the bottom. Start by prospecting from the top of the pyramid.

30. Minimum Viable Product (MVP): Is a proof of concept product that validates your idea before you build a full, mature, stable product. MVP is not just a product with half of the features chopped out but a process that you repeat over and over again till you get it correct.

31. Free cash flow (FCF): measures how much cash is generated after capital expenses such as buildings and equipment have been paid. Operating cash flow is your cash flow from operating revenue minus operating expenses. If you subtract capital spending from this, you get FCF.

32. Cash conversion cycle (CCC): How long it takes your customers to pay you minus how many days it takes you to pay your suppliers. Super-efficient companies have their CCC down to the single digits. At Amazon last year, the CCC was negative 30.6 days.

33. Working Backward: A practice where you start by writing the documents you will need at launch (a Press Release and an FAQ) first and then work backward from there to the product requirements.

34. Free Parking' Business Model: To bootstrap of the “chicken and egg problem”, give away one side of the market for free. Typically it is best to offer the free side to consumers since no one loves “free” more than a consumer. Or offer the service that has lowest marginal cost.

35. Freemium: A variant of the “free parking” model where the company transforms code into the equivalent of marketing spending and “gives away for free” service X to generate qualified leads for interlinked service Y.  Freemium works best if service X has network effects.

36. Cash multiplier (CMX): Revenue generated from customer segments over limited time frames or payback window.CMX = Total Rev / Total Customers.Ex: Your total rev for 60 days is $140. If new customers were 1000, your CMX ( 60-day LTV) would be $1,400 in total.

37. Customer lifetime value (LTV, CLTV, or CLV): The revenue generated from the average customer over the course of an average customer lifespan. LTV is the future cash flows over her entire relationship with the company.

38. High Output Meetings: Is a medium through which managerial work is performed. It is a way to supply information and know-how, to explain the way of doing things, and to help make decisions. We need to make meetings as efficient as possible. Not fight the need for the meetings.

39. Task relevant maturity (TRM): for a team member is a combination of the degree of their achievement orientation and readiness to take responsibility as well as education, training, and experience. All of this for a particular task.

40. UI Complexity Score: UI needs to be as simple and functional as possible. To calculate the complexity score, you add up a point every time you used a new font, font size or colour in the UI. The total score is the complexity score. A single page needs to stay below five point.

41. Conversion rate optimization (CRO): Science behind understanding why your visitors are not ‘converting’ into customers, and then improving your messaging or value proposition to increase this rate of conversions.

42. Blue ocean strategy: Red oceans are all the industries in existence today – the known market space. Cut-throat competition in existing industries turns the ocean bloody red. Blue oceans are all the industries not in existence today – the unknown market space.

43. Productive Paranoia: You assume that conditions can unexpectedly change, violently, and fast. You obsessively ask, What if? By preparing ahead of time, building reserves, preserving a margin of safety, you handle disruptions from a position of strength and flexibility.

44. Inbound marketing: A marketing strategy that attracts customers by creating valuable content and experiences tailored to them. While outbound marketing interrupts your audience, inbound marketing forms connections they are looking for and solves problems they already have.

45. Ramen profitable: A startup makes just enough to pay the teams' expenses. Traditional profitability means a big bet is finally paying off, whereas the main importance of ramen profitability is that it buys you time.

46. Category Management: The process of managing categories as independent business units, in a way that enables maximum consumer appeal while maximizing profits. Category Management aims to provide customers with what they want, where they want it, and when they want it.

[phgq]

Kapampangan kids learn thru TV program

#PHnews: Kapampangan kids learn thru TV program

CITY OF SAN FERNANDO, Pampanga – Television is an important learning tool to some 337,280 students currently enrolled in public schools in this province.

As the school year 2020-2021 officially opened on Oct. 5, Kapampangan students from kindergarten to senior high school are getting educated through a television program entitled “Super-K Teleskwela”.

The Department of Education (DepEd) Pampanga Schools Division, in partnership with the provincial government, came up with the idea to ensure continuing education for students amid a ban on face-to-face learning due to the coronavirus disease 2019 (Covid-19) pandemic.

Celia Lacanlale, chief of DepEd Pampanga Curriculum Implementation Division (CID), said on Thursday that Super-K Teleskwela provides students with televised modules patterned after Pampanga’s social and cultural background to easily facilitate learning among Grades 3 to 12 students.

“What we produced is different from what is produced by the central office for TV station IBC 13. In Super-K Teleskwela, we made sure that the learning materials are contextualized in Pampanga so that the students can easily relate with,” Lacanlale said in a statement.

More than 2,000 television episodes funded by the provincial government are being made jointly by 300 teachers from the DepEd Pampanga Schools Division and technical staffers, supervised by the provincial government’s Public Information Office.

The episodes are being aired by regional television network CLTV 36 and can also be viewed on YouTube.

Aside from funding the equipment, production costs, and airtime of Super K-Teleskwela, the provincial government also shouldered the purchase of 74 risograph machines for the printing of modules.

“Ginagawa po natin ito para matuto ang mga kabataan kahit may Covid-19 pandemic. Sa mga estudyante, iba man ang pamamaraan ng pagtuturo sa inyo ngayon dahil sa Covid-19, mag-aral pa rin kayong mabuti. (We are doing these so that our youths would learn even amid the Covid-19 pandemic. To the students, although the way of teaching you is different due to Covid-19, do study well),” Governor Dennis Pineda said.

For Chester John F. Esguerra, a Grade 8 student at the Pampanga High School, the Super K-Teleskwela is a big help for him and his siblings.

“Marami na po kaming natututunan sa mga episodes na napapanood namin sa television. Pwede pa naming ulit-ulitin na panoorin kung hindi naming masyadong maintindihan. Malaking bagay po ito sa amin. Maraming salamat po (We are already learning a lot from the episodes we watched on television. We can still watch it over and over again if we don't quite understand. This is a big deal for us. Thank you very much),” he said. (PNA)

  ***

References:

* Philippine News Agency. "Kapampangan kids learn thru TV program." Philippine News Agency. https://www.pna.gov.ph/articles/1117904 (accessed October 09, 2020 at 12:32AM UTC+14).

* Philippine News Agency. "Kapampangan kids learn thru TV program." Archive Today. https://archive.ph/?run=1&url=https://www.pna.gov.ph/articles/1117904 (archived).

[midasfinanciero]

Préstamo con garantía hipotecaria frente a préstamo personal que es conveniente para usted

Matt Carter Actualizado el treinta de julio, Nuestro objetivo aquí en Credible es brindarle las herramientas y la confianza que precisa para prosperar sus finanzas. Si bien promocionamos productos de nuestros prestamistas asociados, todas las opiniones son nuestras.

Si está buscando una forma responsable y rentable de financiar gastos elevados, como mejoras en el hogar o facturas médicas inopinadas, un préstamo con garantía hipotecaria o bien un préstamo personal podría ser la solución. Si trata de decidir entre un préstamo con garantía hipotecaria o bien un préstamo personal, estas son algunas de las preguntas más importantes que debe hacerse: Aprenda a valorar rápida y fácilmente su propia con estos factores en psique, y escoja lo que sea mejor para usted al decidir entre un préstamo personal o un préstamo con garantía hipotecaria. En qué se distinguen los préstamos personales de los préstamos con garantía hipotecaria Estas son ciertas principales diferencias entre los préstamos personales y los préstamos con garantía hipotecaria. La primordial diferencia entre un préstamo personal y un préstamo con garantía hipotecaria es que la mayoría de los préstamos personales son préstamos sin garantía. Con un préstamo con garantía hipotecaria, está poniendo su casa como garantía como garantía de que va a devolver el dinero que debe; es un préstamo garantizado. ¿Qué significa poner su casa como garantía? Mientras el préstamo esté pendiente, el prestamista tiene un gravamen adjunto a su propiedad. Eso significa que tendrá dificultades para vender su casa salvo que se le pague al prestamista en el proceso. Si comienza a perder pagos, el prestamista podría aun empezar un proceso de ejecución hipotecaria en su contra para obligarlo a abonar. Si bien los préstamos personales son préstamos sin garantía, eso no quiere decir que no haya consecuencias si no los paga. Si infringe con su préstamo personal no garantizado, el prestamista puede entregarlo a una agencia de cobranza o bien buscar una sentencia judicial en su contra. Como último recurso, puede conseguir algún alivio al declararse en quiebra. Podría meditar que debido a que pone su casa como garantía, va a poder pedir prestado más si escoge un préstamo con garantía hipotecaria . Ese no es necesariamente el caso, depende de la cantidad de capital extraíble que tenga en su casa. La equidad que tiene en su casa es la diferencia entre el valor de su casa y la cantidad que aún debe en su hipoteca. La equidad que se puede aprovechar es la cantidad de dinero que un prestamista le pedirá retirar. La mayoría de los prestamistas no le dejarán aprovechar hasta el último dólar del valor líquido de su vivienda. Por norma general, su relación préstamo-valor (CLTV) combinada no puede exceder del setenta y cinco por ciento al ​​90 por ciento . Para hallar el monto máximo del préstamo que puede solicitar prestado contra su casa, debe multiplicar el valor de su casa por el límite CLTV del prestamista. Si el valor de mercado de su casa es de dólares americanos 300,000 y el CLTV de su prestamista es del ochenta por cien , podría calificar para solicitar prestado hasta dólares americanos doscientos cuarenta con cero contra su casa. Por lo tanto, en este caso de ejemplo, debería $ doscientos cuarenta con cero en capital extraíble si no tuviera una hipoteca y fuera dueño de su casa de forma directa. Si tuviese una hipoteca existente de, afirmemos, $ 200,000, debería dólares americanos cuarenta con cero en capital extraíble. Hay múltiples formas de aprovechar el valor líquido de su vivienda: por medio de una segunda hipoteca, líneas de, como una línea de crédito sobre el valor neto de la residencia (Préstamos con Garantía Hipotecaria) o un refinanciamiento hipotecario en efectivo. Tu CLTV va a entrar en juego con cada uno. Con un préstamo personal, hay dos factores principales que determinan cuánto puede pedir prestado: Aunque muchos prestamistas proporcionarán préstamos personales de hasta dólares americanos 35,000, otros tienen límites aún más altos, hasta $ 50,000, $ 100,000 o más. Las compañías de préstamos personales en la próxima tabla compiten por su negocio por medio de Credible. Puede pedir tasas de préstamos personales de todos estos prestamistas asociados completando solo un formulario (en lugar de un formulario para cada uno de ellos) y sin afectar su puntaje crediticio.

Revisión de préstamos personales de Avant

* Si se aprueba, los términos reales del préstamo para los que califica un usuario pueden variar según la determinación del crédito, la ley estatal y otros factores. Los montos mínimos de los préstamos variados conforme el estado. ** Ejemplo: Un préstamo de dólares americanos cinco,700 con una tarifa de administración de cuatro.75 por ciento y un monto financiado de $ 5,429.25, reembolsable en 36 cuotas mensuales, tendría una APR de 29.95 por cien y pagos mensuales de $ 230.33.

Revisión de préstamos personales de Axos Bank

Revisión de préstamos personales Best Egg

Revisión de préstamos personales de LendingPoint

Revisión de préstamos personales LightStream

Ejemplo de pago LightStream

Revisión de préstamos personales de Marcus

1Reducción de tarifa disponible para AutoPago.

dos Posiblemente se le solicite que mande ciertos de sus fondos de forma directa para abonar una deuda no garantizada pendiente. 3Después de efectuar 12 o más pagos mensuales consecutivos, puede aplazar un pago siempre que haya efectuado sus pagos precedentes en su totalidad y en el tiempo. Marcus renunciará a cualquier interés incurrido a lo largo del aplazamiento y extenderá su préstamo por un mes (va a pagar intereses a lo largo de este mes adicional). Sus pagos se reiniciarán como es costumbre tras su aplazamiento. Se requiere notificación previa. Consulte el contrato de préstamo para obtener más detalles.

Revisión de préstamos personales de pago

Revisión de préstamos personales Prosper

Revisión de préstamos personales de SoFi

Actualizar revisión de préstamos personales

Revisión de préstamos personales intrusos

4La gama completa de tarifas disponibles varían conforme el estado. El préstamo promedio de tres años ofrecido a todos y cada uno de los prestamistas que usan la plataforma Upstart tendrá una APR del veinte por cien y treinta y seis pagos mensuales de $ treinta y cinco por cada $ uno con cero prestados. No hay pago inicial ni penalización por pago adelantado. El APR promedio se calcula en base a las tarifas de 3 años ofrecidas en el último mes. Su APR se determinará en función de su crédito, ingresos y cierta otra información proporcionada en su petición de préstamo. No todos y cada uno de los demandantes serán aprobados. cinco El monto de su préstamo se determinará en función de su crédito, ingresos y cierta otra información proporcionada en su solicitud de préstamo. No todos y cada uno de los demandantes calificarán para el monto total. Los préstamos no están disponibles en West Virginia o bien Iowa. El monto mínimo del préstamo en MA es de dólares americanos 7,000. El monto mínimo del préstamo en Ohio es de $ seis con cero. El monto mínimo del préstamo en NM es de $ cinco,100. El monto mínimo del préstamo en GA es de $ tres,100. 6Si admite su préstamo antes de las 5 p.m. EST (sin incluir fines de semana ni feriados), recibió sus fondos el siguiente día hábil. Los préstamos utilizados para financiar gastos relacionados con la educación están sujetos a un periodo de espera de 3 días hábiles entre la aceptación del préstamo y la financiación de acuerdo con la ley federal. Para muchos prestatarios, el límite superior para un préstamo personal dependiente del DTI. Los prestamistas hipotecarios consideran que un DTI del 36 por ciento es saludable y la mayoría no superará el cuarenta y cinco por cien o el 50 por ciento . Imaginemos que su ingreso mensual es de dólares americanos seis con cero por mes y que dólares americanos 2,500 ya se destinan a la hipoteca, el pago del vehículo y otros gastos recurrentes. Podría asumir otros $ 500 en obligaciones mensuales antes que su DTI alcance el 50 por cien . 4 preguntas para asistir a determinar cuál es mejor para usted Para determinar qué préstamo es la opción correcta para su situación financiera, es útil concretar las respuestas a algunas preguntas básicas. Seguramente también conozca las respuestas a la mayoría de estas preguntas. Ahora, le indicamos cómo emplear esa información. Posiblemente pueda solicitar prestada un sinnúmero de dinero mediante un préstamo con garantía hipotecaria o un préstamo personal. Mas si planea obtener un préstamo importante, asimismo deseará estimar qué género de préstamo ofrece los términos de pago más convenientes. Los préstamos personales solicitar a tener pagos mensuales más elevados que los préstamos sobre el valor líquido de la vivienda de saldos iguales porque tienen un plazo de préstamo más corto: de tres a siete años, en lugar de entre 5 y 30 años para las segundas hipotecas . Si quisiese conseguir un préstamo personal de dólares americanos cincuenta,000 al nueve por cien de interés y pagarlo en 5 años, su pago mensual sería de aproximadamente $ 1,040. En un préstamo con garantía hipotecaria a exactamente la misma tasa de interés mas con pagos repartidos a lo largo de diez años, los pagos mensuales estarían más cerca de $ 595. Por consiguiente, si precisa pedir prestada una gran cantidad de dinero, un préstamo con garantía hipotecaria podría ser una mejor solución si es "rico en casa" mas "pobre en efectivo". Solo recuerde que distribuir los pagos durante un período temporal más largo puede acrecentar su costo total, ya que va a pagar más intereses durante la vigencia de su préstamo. Por otra parte, aun si no tiene mucho capital en su residencia, posiblemente pueda conseguir un préstamo personal considerable si los pagos de la hipoteca y otras facturas no suponen una carga para sus finanzas. Si un préstamo sobre el valor líquido de la vivienda o bien un préstamo personal tiene más sentido asimismo puede depender de lo que pretenda hacer con el dinero. Si precisa un préstamo para realizar mejoras en la residencia, un préstamo con garantía hipotecaria puede tener una ventaja importante sobre un préstamo personal. Los pagos de intereses de un refinanciamiento en efectivo o un préstamo sobre el valor neto de la vivienda son deducibles de impuestos, toda vez que utilice el préstamo para realizar "mejoras sustanciales" en su residencia. Para hechos préstamos tras el quince de diciembre de dos mil diecisiete, la deducción de intereses hipotecarios solo se puede reclamar por los primeros $ setecientos cincuenta con cero que solicite prestados. Si no hace mejoras en su casa, o bien si solo está pidiendo prestado una cantidad relativamente pequeña, un préstamo personal a veces puede ser una opción mejor. Ciertos Préstamos con Garantía Hipotecaria tienen un sorteo inicial mínimo, como dólares americanos 10,000. Si solicita un préstamo para hacer un viaje o pagar una factura médica inesperada, posiblemente se muestre reacio a poner su casa como garantía para un préstamo. Si precisa dinero de inmediato, es bastante difícil superar un préstamo personal. Ciertos prestamistas on-line pueden comprobar, aprobar y financiar un préstamo en las 24 horas. Aunque puede llevar múltiples días conseguir un préstamo personal más grande y complejo, el proceso prácticamente siempre va a ser más veloz que un préstamo con garantía hipotecaria. Los préstamos sobre el valor neto de la residencia pueden tardar semanas en cerrarse, especialmente si hay peticiones de documentación auxiliar, como una tasación. Por otra parte, las tasas de ciertos tipos de préstamos con garantía hipotecaria pueden ser mejores que los préstamos personales, lo que hace que merezca la pena esperar más. Si tiene un crédito bueno o bien excelente, usar su casa como garantía podría brindarle una tasa de interés significativamente más baja en un préstamo con garantía hipotecaria de lo que calificaría con un préstamo personal. Mas su tasa de interés puede depender del género de préstamo que esté buscando, así como del plazo de reembolso. Cuanto más corto sea el plazo de amortización, menor será la tasa de interés ofrecida por la mayor parte de los prestamistas. Si califica para tasas bajas, tanto los préstamos personales como los préstamos con garantía hipotecaria pueden ser una fuente asequible de financiamiento para abonar deudas de tarjetas de crédito con intereses altos. Puede emplear Credible para solicitar tasas reales de múltiples prestamistas que ofrecen préstamos personales y refinanciamiento de hipotecas con retiro de efectivo. Acerca de las tasas y los términos: las tasas para préstamos personales proporcionados por prestamistas en la plataforma Credible alteración entre 4,99-35,99 por ciento TAE con plazos de doce a ochenta y cuatro meses. Las tarifas incluyen descuentos para prestamistas por inscribirse en programas de pago automático y de lealtad, cuando corresponda. Las tarifas reales pueden ser diferentes de las tarifas anunciadas y / o mostradas y se fundamentarán en los criterios de elegibilidad del prestamista, que incluyen factores como puntaje crediticio, monto del préstamo, plazo del préstamo empleo, e historial del crédito, y variedad según el propósito del préstamo. Las tasas más bajas libres por norma general requieren un crédito excelente y, para algunos prestamistas, pueden reservarse para fines de préstamos específicos y / o plazos de préstamo más cortos. La tarifa de apertura cobrada por los prestamistas en nuestra plataforma varia del 0 por cien al ocho por cien . Cada prestamista tiene sus criterios de calificación respecto a sus descuentos por pago automático y lealtad (por ejemplo, algunos prestamistas requieren que el prestatario escoja el pago automático ya antes de la financiación del préstamo para calificar para el descuento por pago automático). Todas y cada una de las tasas las determina el prestamista y han de ser acordadas entre el prestatario y el prestamista elegido por el prestatario. Para un préstamo de $ 10,000 con un período de pago de 3 años, una tasa de interés del siete.99 por cien , una tarifa de apertura de $ trescientos cincuenta y una APR del 11.51 por cien , el prestatario recibió $ 9,650 al momento de la financiación del préstamo y va a hacer 36 pagos mensuales de $ 313.32. Suponiendo todos los pagos a tiempo y el pleno cumplimiento de todos y cada uno de los términos y condiciones del contrato de préstamo y cualquier programa de descuento anotado incluido en la tasa de interés anual / tasa de interés durante la vigencia del préstamo, el prestatario pagará un total de dólares americanos 11.279,43. A partir del doce de marzo de 2019, ninguno de los prestamistas de nuestra plataforma requiere un pago inicial ni cobra ninguna penalización por pago anticipado. Matt Carter es un experto verosímil en préstamos para estudiantes. Las piezas de análisis en las que ha contribuido han sido presentadas por CNBC, CNN Money, USA Today, The New York Times, The Wall Street Journal y The Washington Post.

[urban-scout-blog]

CLTV36 Celebrates their 12th Year by Making a Difference

On their 12th year, The TV Station Central Luzon TV36 (CLTV36) spearheaded the Social Services conference and expo at the Robinsons Starmills, City of San Fernando, Pampanga on the 22nd of March. ----

"This time, we want to make a difference, that's why we partnered with ABSNET Pampanga; so that we could have a meaningful celebration of our first dosena"- Mr. Billy San Juan, Vice President and Deputy Manager of CLTV 36.

The Social Services Conference and Expo 2019 or SocSecon 2019 is to be first of its kind, bringing together non Government Organizations, Charities and Foundations, and other Social Service Sectors. It aims to provide insight and up-close interaction between facilitators and participants.

The speakers from various social services topics widening the audience's knowledge on children's health, entrepreneurship, disaster resiliency, environment, fake news and many more.

In addition to Mr. San Juan's 12th year vision "The social services sectors was having a hard time accessing support for different advocacies. We want to be a platform of these advocacies so that they could access support, bonding, partners and they can do so through this expo, thru this conference and thru CLTV36."

#CLTV36LocalPride

[brianobrienny]

The Step-by-Step Guide to Sales-Marketing Alignment for B2B

The question of why Sales and Marketing need to be in sync is a no-brainer. Studies have shown that companies with “good” sales-marketing alignment achieve

34% more revenue from new customers

108% more acceptance of Marketing Qualified Leads (MQLs)

36% increase in customer retention

That’s enough for any B2B company to run with and give it their all.

But how exactly can sales-marketing alignment benefit YOUR organization?

Is it worth your time to sync the goals and activities of the two departments? Or perhaps they are already working together well? (Or so you think.)

Leaders need to ask themselves:

What is the structure of our sales and marketing teams? Are the functions and responsibilities combined or clearly demarcated?

What is the exact nature and path of our customers’ journey to purchase?

What percent of our qualified leads are converting?

Are customers happy with our product? What feedback are we receiving and using?

Your answers will help you pinpoint exactly how alignment will improve your conversions and sales velocity. I can’t stress how important this is – every experienced marketer I’ve talked to agrees that the sales and marketing processes should be merged as closely as possible, primarily because the nature of the sales funnel itself has changed.

Source: Superoffice.com

Here is a process that will help you put in place closely aligned and conjoined strategies between sales and marketing so that they can work as one, towards one objective – more revenue, faster.

1. Set Shared Goals

Shared goals aren’t just for sales and marketing. It is for every individual and every department in the organization. And that is why it is so important to have a culture that clearly communicates your vision, and then hire cultural best-fits in marketing and sales teams.

Once everyone is clear on the company’s vision and where it is going, what is the market, what is the target audience, how the product is being developed, why it has certain features and not others, it will be simpler for team members to have a shared vision of the buyer’s funnel, identify leads and nurture them along the ideal conversion path.

This is when your sales and marketing goals are truly shared. The business-specific objectives could could be:

Increase quarterly revenue

Reduce customer churn

Increase CLTV

The key to achieving this ideal scenario is communication.

Communication is not the same as recording of instructions or feedback. It should happen not once, not periodically, not in meetings, not in emails, but constantly – with every move you make towards your revenue and sales targets. Just like a guided missile that has locked on to a target sends constant information to the command center and corrects its course.

Your communication tools, CRM and VPs of Sales and Marketing will serve as your command center.

Slack is ideal for inter- and intra-departmental communication. It’s the popular favorite in most B2B organizations.

While the goal-setting process is being reviewed, it’s also the best time to revisit your choice of CRM. Again, a common choice here is HubSpot CRM, which has been built from the ground-up to seamlessly move between inbound marketing and core sales functions. You can create forms, record emails and social conversations, log calls and live chats, schedule meetings, and manage your pipeline with a very small learning curve.

2. Perfect a Demand Generation Model

HubSpot defines demand generation as:

“Demand generation is the marketing system and engine that bridges the gap with your company’s sales and revenue operations. It may include multiple touch points, from blogging, to email list creation, to social media promotion — all inbound marketing tactics that are part of a company’s overall demand generation strategy.”

However demand generation is not part of marketing or sales. It isn’t synonymous with inbound marketing or lead generation.

Demand generation is the glue that binds marketing and sales.

This means that any planned activity that could potentially result in a sale can be considered demand generation.

It is a process that goes on at every stage of the funnel:

Source: Hilemangroup.com

Sales and marketing should thus be clear on

what stage of demand generation is in their control

what tools they can use to keep the customer moving forward

where to automate

which touchpoints need human interaction for a better customer experience

If you can get them to agree on this, you’ll be able to build a great Lead to Revenue Model (L2RM) that you can use to track and improve your conversions, with specific metrics and team accountability at each stage.

3. Choose the Best Tools and Build Your Martech Stack

What is the martech stack? A collection of technologies that you can use to optimize and augment your marketing and sales processes throughout the customer lifecycle.

The number of inbound and outbound marketing tools is burgeoning day by day. Any small task or part of a campaign can now be performed by a tool. Scott Brinker’s Marketing Landscape has bloated to 8,000+ apps and software as we speak.

And yet, marketing isn’t getting simpler. HubSpot reported that 26% of marketers failed in finding the right technologies to fit their needs!

Why? Because they don’t coordinate with their sales team about the outcomes that they deliver using the tools — whether it actually results in a conversion or not.

Marketing and sales can coordinate on evaluation, purchase, and usage of tools across the stack. It’s important to remember that even if the tasks they perform are different, the goals they’re pursuing are shared.

The secret to building a workable and effective martech stack that both marketing and sales teams can use is to correctly identify the problem that you’re trying to solve with each tool — whether it is brand awareness, lead scoring, web analytics, or retargeting.

It is by no means a simple process, as you need to take into account everything from demand planning to post-sale customer service. Here’s how Microsoft does it:

Without this clarity and sales-marketing alignment, your martech stack could turn into a Frankenstack. Ask yourself these questions so you don’t go wrong:

Have we done enough research? Do we really need this new technology? Or are we suffering from the shiny object syndrome?

Do we have the skills to use it to optimum level and maximize ROI?

Does it integrate with our existing applications?

4. Refine Lead Scoring and Qualification

So you’re clear on your target market, your customer journey, your buyer’s funnel and your martech stack. This is where you finally get down to business.

One of the biggest points of contention between traditional marketing and sales teams is the definition, handover, and acceptance of MQLs and SQLs. Marketing blames Sales for not converting leads and Sales chastises Marketing for low quality leads.

Who is right? Neither. Research shows Sales ignores half of the leads that Marketing sends their way, while barely a quarter of these leads are qualified. Clearly, this is where the real alignment or “sync” needs to take place.

What is lead scoring anyway? Lead scoring measures the buyer intent of a qualified prospect and their potential value to the organization. Most lead scoring tools and methods calculate and assign scores based on the attributes of the prospect and their engagement with the brand so far.

This data is collected in two ways — it is either provided by the leads themselves or gathered by their behavior at offline or online touchpoints. The amount of data that can go into your lead scoring model, therefore, is huge. And that is exactly why an accurate lead scoring model that is acceptable and sustainable to both sales and marketing teams is necessary for the lead nurturing process to start off on the right foot.

While lead scoring is a feature that falls under the purview of software in the lead tracking, CRM, or sales automation categories, here’s a template from Demand Metric that will get you going.

And here’s a great way to test different approaches and figure out one that works for you.

When your marketing and sales team both work in sync, the data and feedback that they put back into the system can be invaluable in improving the accuracy of your lead scoring, especially if your martech stack boasts of a tool that uses predictive analytics to score, qualify and nurture leads.

5. Develop Full-Funnel Content

Consistent brand messaging is the hallmark of good sales-marketing alignment. If the marketing and PR teams refer to product features using different terms than the product or sales teams, the consistency of your messaging and customer experience goes for a toss.

It is critical to map your content to the customer journey. Marketing needs to make Sales understand (and Sales needs to make a real effort) the exact role content plays in nudging leads and prospects down the funnel. A joint study by CMI and LinkedIn found that when sales and marketing are in sync, they know far better how and when to use content, as well as how to judge its effectiveness.

There are five simple steps you can incorporate into your content strategy, so that both sales and marketing can maximize the ROI of your content.

Know who your ideal audience and customers are. Creating personas should be a joint effort between the marketing and sales (and product and customer service) teams. This collaboration will help teams understand the biggest pain points of your customers.

Create a unified content journey that is personalized and delivered contextually at every touchpoint to every customer. Teams should be able to create, recognize, and promote ToFU, MoFU, and BoFU content in the right formats, using the right channels.

Take a “marketing-first” approach to content. You should first prioritize inbound marketing methods, starting with solving for the audience. Then comes brand awareness and recall. Finally, if needed, you might test out “salesy” content, cold calls or bulk emails, as few prospects are likely to respond to these. Deals and offers should be carefully worked out between marketing and sales.

Track and use the same content metrics and KPIs.

Whatever feedback is received by either team should immediately go into the CRM with the appropriate notes.

6. Expedite Lead Nurture Sequences from Marketing Automation to CRM and Back

For better coordination and smoother flow of leads, Marketing should provide Sales with precise reasoning on why they are being handed over, along with the following information and context:

the action prospects took to get into the marketing database

the lead score

the attribute or interaction that led to qualification

For this to happen, the correct marketing intelligence fields need to be mapped from the channel-specific or stage-specific martech or automation tool to the CRM.

In return, Sales needs to make sure Marketing has access to up-to-date CRM data, and accurate customer segmentation data that they can feed into the marketing automation tool, in order to target new as well as existing customers.

This way, you can connect every lead that flows into the marketing database to sales or CRM outcomes.

A practical problem with a bi-directional sync like this is that a perfect sync of the marketing automation list with the CRM database is not possible, as the CRM would have minimum data requirements to create records. For example, a new subscriber to your newsletter will have given you just her name and email, which isn’t enough to create a new CRM record.

However, pulling MQLs back from your CRM to the marketing automation app can match an email list or social media Custom Audience email in your automation tool, allowing the sales team to cherry pick leads that they can follow up with immediately.

If you use HubSpot, these would be Marketing Qualified Leads in the Lifecycle Stage field. Here’s a great article on how to automate movement between different stages in HubSpot based on action triggers.

When you sync data back from the CRM to your automation tool, you can either automate the lead nurturing stream or allow a sales rep to choose or customize the sequence. This field in your CRM can be the trigger for the marketing automation software to begin its sequence. And oh, make sure you remove the contact from the nurture stream (such as remarketing list) from the automation app when the sequence has run its course!

7. Align Data, Track and Report on the Same Metrics

With a bi-directional data sync and lead nurturing cycle, both marketing and sales teams can identify metrics and KPIs that are important to them, and then agree on how to track these. These metrics might be reported in different ways or have different values in the automation and CRM systems, so the teams need to agree on how to close the loop.

Start co-tracking the basic metrics — such as Conversion Rate of MQLs, Customer Retention Rate, and Churn Rate — and then move on to deeper levels or add more metrics as your demand generation, attribution and lead-to-revenue models mature. You can use tools such as Klipfolio to create customized dashboards that allow you to focus on key metrics, trends, and performance indicators.

Here’s how Kyle Lacy, VP of Marketing at Lacy, makes sure his sales and marketing teams are measuring and analyzing outcomes together: “We have many goals that are known and public within the marketing team. We’re responsible for leads, MQLs and ACV (average customer value). We even have a goal for demo ratings. Each time sales does a software demo, they rate it 1-5. If they score it below a 3 in quality of prospect, we meet to determine why.”

This level of scoring, tracking, and collaboration between Marketing and Sales ensures full transparency and removes chances of any confusion in either side.

One thing to bear in mind is that no data or information is permanently useful. Your syncing methods need to evolve with your audience’s behavior and characteristics (and your product). So does your L2RM.

Over to You

Don’t stop at data. Move on to shared tasks and activities where both teams have the opportunity to glean more information they think they can put to good use.

A great suggestion comes from Jeff Rohrs of Yext, who thinks it’s imperative to have Marketing listen in on sales calls. “Our approach is to understand at a deep level what’s going on in the sales opportunities, and we want our marketers in those calls hearing what’s important, what’s moving, where they can potentially add some relationship building efforts,” he adds.

The tools, methods, and resources available today to sales and marketing teams, even in SMBs, are virtually limitless. So what’s stopping you?

If you’re facing bottlenecks in your digital marketing campaigns, or if your content falls short of delivering brand value, get in touch with me and I’ll help you build effective, data-driven content marketing and conversion optimization strategies.

The post The Step-by-Step Guide to Sales-Marketing Alignment for B2B appeared first on Marketing Insider Group.

The Step-by-Step Guide to Sales-Marketing Alignment for B2B published first on http://rssmix.com/u/11592782/rss.xml

[taakopines]

What You Required To Find Out About House Equity Loans

House Equity Lending Calculator

For instance, they may allow a reduced credit score or more financial obligation if you have a lot of house equity available. Similarly, if you have a reduced credit report they may only allow you to make use of 75 percent of your total residence equity as opposed to the 90 percent they might allow somebody with strong debt. The variety of residence worths are detailed along the bottom as well as are centered on the value you got in; the figures for the available credit line are noted at left on the upright axis.

How Do I Determine My Equity?

Do you need homeowners insurance to get a home equity loan?

Home equity loans and lines of credit are a good choice for many people. The mortgage interest may be deductible, and these second mortgages allow you to use the equity in your home to pay for major expenses.

Often, transforming a HELOC into a traditional loan enables you to settle the entire financing quantity in workable monthly settlements for up to two decades. Home equity credit lines begin at $20,000, and also you can typically borrow approximately 90% of your CLTV. Closing expenses are needed in order to establish the residence equity car loan or home equity line of credit.

How can I get a home equity loan with no mortgage?

You can figure out how much equity you have in your home by subtracting the amount you owe on all loans secured by your house from its appraised value. For example, homeowner Caroline owes $140,000 on a mortgage for her home, which was recently appraised at $400,000. Her home equity is $260,000.

Medical Care Banking.

An early closure fee of 1% of the original line quantity, optimum $500, will apply if the line is settled as well as shut within the first 36 months. An annual charge of as much as $90 might use after the very first year and also is waived with a UNITED STATE . This is a threat to take into consideration, however due to the fact that there is collateral on the funding, the interest rates are usually reduced. Some debtors select to re-finance right into a new HELOC at the end of the draw period. Because of this, they are somewhat riskier for lending institutions than main mortgages are, so they bill greater interest rates and also typically have stricter credentials criteria than normal mortgages do.

The annual percentage rate for a house equity car loan takes factors and also funding charges right into consideration.

Ask all the loan providers you speak with to explain the car loan intends readily available to you.

Ask questions if you do not recognize any kind of loan terms and also problems.

Understanding just the quantity of the month-to-month repayment or the interest rate is not nearly enough.

No reader, user, or web browser of this website ought to act or otherwise act upon the basis of information on this site. Constantly look for individual lawful, monetary or credit advice for your appropriate jurisdiction. Only your specific lawyer or consultant can offer guarantees that the information contained herein-- and your interpretation of it-- is proper or relevant to your particular situation. UNITED STATE Financial institution currently does not use home equity products in your location. Nonetheless, if you want various other funding choices, please call us at.

Constantly Compare Residence Equity Loans To Various Other Financing Options

How long is a home equity loan?

That means you'll need to own more than 20% of your home before you can even qualify for a home equity loan. If you have a $250,000 home, you'd need at least 30% equity-a mortgage loan balance of no more than $175,000-in order to qualify for a $25,000 home equity loan or line of credit.

Rates of interest on a HELOC's repayment duration are flexible, as well as they are generally tied to the prime rate, although they can commonly be transformed to fixed-rate car loans after a particular period of time. You are additionally commonly needed to pay closing expenses on the funding. A variable-rate house equity line of debt might be your ideal choice if you need extra cash periodically.

What To Learn About The Appraisal Prior To You Apply For A House Equity Finance.

Determining which lending is appropriate for you relies on the finance's function and your personal spending practices. Commonly, home equity loans as well as lines come with greater rates of interest than cash-out refinances. So if a brand-new home loan price resembles your current rate, and also you do not wish to obtain a great deal of additional money, a home equity lending is probably your best choice. A house equity credit line-- likewise referred to as a HELOC-- is a rotating credit line, much like a charge card.

[timows-turf]

Timow's Turf Holiday Insight Roundup 2019-2020

Timow’s Turf Holiday Insight Roundup 2019-2020

LAST CHRISTMAS… I gave you my heart… but the very next day… you gave it away…

INDEED, this is the last Christmas of the 2010s but for some ill-wishers, it could be the last Christmas for a notorious major TV network.

Whatever you perceive, our Yuletide tradition continues and you already know why it’s up. For those who are new or don’t understand this quirky culture, we are telling up what will…

[poetryofchrist]

Deuteronomy 28

Another experiment.

Deuteronomy 28 1 vhih am-wmvy twmy bqvl ihvh alhic lwmr lywvt at-cl-mxotiv awr anci mxuc hivm untnc ihvh alhic ylivn yl cl-gvii harx [And it will happen that if to hear, you hear with the voice of Yahweh your God to keep and to do all his commandments that I am commanding you today, then Yahweh your God will give you the highest status over all the nations of the earth.] 2 ubau ylic cl-hbrcvt halh vhwigc ci twmy bqvl ihvh alhic [And all these blessings will come to you and will overtake you, for you will hear with the voice of Yahweh your God.] 3 bruc ath byir ubruc ath bwdh [Blessed you will be in the city, and blessed you will be in the field.] 4 bruc pri-b'tnc upri admtc upri bhmtc wgr alpic vywtrvt xanc [Blessed will be the fruit of your belly and the fruit of your ground and the fruit of your cattle, the issue of your drove and the breeding of your flock.] 5 bruc 'tnac umwartc [Blessed will be your basket and your warehouse.] 6 bruc ath bbac ubruc ath bxatc [Blessed you will be when you come in, and blessed you will be when you go forth.] 7 itn ihvh at-aibic hqmim ylic ngpim lpnic bdrc akd ixau alic ubwbyh drcim inusu lpnic [Yahweh will give your enemies arising against you to be plagued before you. In one way they will emerge against you and in seven ways they will withdraw before you.] 8 ixv ihvh atc at-hbrch basmic ubcl mwlk idc ubrcc barx awr-ihvh alhic ntn lc [Yahweh will command with you the blessing on your barns and to all that you put your hand to, and will bless you in the land that Yahweh your God is giving to you.] 9 iqimc ihvh lv lym qdvw cawr nwby-lc ci twmr at-mxot ihvh alhic vhlct bdrciv [Yahweh will raise you up, a people holy for himself, as he has sworn to you, for you will be keeping the commandments of Yahweh your God and walking in his ways.] 10 vrau cl-ymi harx ci wm ihvh nqra ylic virau mmc [And all the peoples of the earth will see for the name of Yahweh is called upon you, and they will fear, from you.] 11 vhvtrc ihvh l'tvbh bpri b'tnc ubpri bhmtc ubpri admtc yl hadmh awr nwby ihvh labtic ltt lc [And Yahweh will give a surplus of good in the fruit of your belly, and in the fruit of your cattle, and in the fruit of your ground, over the ground that Yahweh swore to your ancestors to give to you.] 12 iptk ihvh | lc at-avxrv h'tvb at-hwmim ltt m'tr-arxc bytv ulbrc at cl-mywh idc vhlvit gvim rbim vath la tlvh [Yahweh will open for you his good treasury, the heavens to give rain for your land in its time and to bless all the deeds of your hand. And you will lend to many nations and you yourself will not borrow.] 13 untnc ihvh lraw vla lznb vhiit rq lmylh vla thih lm'th ci-twmy al-mxot | ihvh alhic awr anci mxuc hivm lwmr vlywvt [Then Yahweh will give you preeminence and not subservience and you will certainly be in the ascendant and you will not be inferior, for you will have heard the commandments of Yahweh your God that I am commanding you today to keep and to do.] 14 vla tsur mcl-hdbrim awr anci mxuh atcm hivm imin uwmavl llct akri alhim akrim lybdm s [And you will not turn aside from all the things that I myself have commanded you today to the right hand or to the left, to walk after other gods to serve them. S] 15 vhih am-la twmy bqvl ihvh alhic lwmr lywvt at-cl-mxotiv vkqtiv awr anci mxuc hivm ubau ylic cl-hqllvt halh vhwiguc [But it will happen, if you will not hear with the voice of Yahweh your God, to keep and to do all his commandments and his statutes that I am commanding you today, that all these denials will come to you and will overtake you.] 16 arur ath byir varur ath bwdh [Cursed you will be in the city, and cursed you will be in the field.] 17 arur 'tnac umwartc [Cursed your basket and your warehouse.] 18 arur pri-b'tnc upri admtc wgr alpic vywtrvt xanc [Cursed the fruit of your belly and the fruit of your ground, the issue of your drove and the breeding of your flock.] 19 arur ath bbac varur ath bxatc [Cursed you will be when you come in, and cursed you will be when you go forth.] 20 iwlk ihvh | bc at-hmarh at-hmhumh vat-hmgyrt bcl-mwlk idc awr tywh yd hwmdc vyd-abdc mhr mpni ry myllic awr yzbtni [Yahweh will send into you the cursing, the discomfiture, and the rebuke in all that you extend your hand that you would do, until you are exterminated and until you perish swiftly from the presence of the evil of your wantonness in that you have forsaken me.] 21 idbq ihvh bc at-hdbr yd cltv atc myl hadmh awr-ath ba-wmh lrwth [Yahweh will make the pestilence cling in you, until he consumes you from off the ground toward which you, yourself, are coming to possess it.] 22 icch ihvh bwkpt ubqdkt ubdlqt ubkrkr ubkrb ubwdpvn ubirqvn urdpuc yd abdc [Yahweh will strike you with consumption, and with delirium, and with inflammation, and with scorching, and with the sword, and with blight, and with mildew, and they will pursue you until you perish.] 23 vhiu wmic awr yl-rawc nkwt vharx awr-tktic brzl [And your heavens that are over your head will become brass, but the earth that is under you, iron.] 24 itn ihvh at-m'tr arxc abq vypr mn-hwmim ird ylic yd hwmdc [Yahweh will make the rain of your land powder and dust. From the heavens it will descend to you until you are exterminated.] 25 itnc ihvh | ngf lpni aibic bdrc akd txa aliv ubwbyh drcim tnus lpniv vhiit lzyvh lcl mmlcvt harx [Yahweh will give you plague in the face of your enemies. In one way you will go out to him and in seven ways you will withdraw into his presence, and you will be a quavering to all the kingdoms of the earth.] 26 vhith nbltc lmacl lcl-yvf hwmim ulbhmt harx vain mkrid [And your corpses will become food to all the fowl of the heavens, and the beasts of the earth, and there is nothing but apprehensiveness.] 27 icch ihvh bwkin mxrim ub'tkrim ubgrb ubkrs awr la-tucl lhrpa [Yahweh will strike you with the ulcers of Egypt and with the tumours and with the hemorrhoids and with scab and with sunburn, that you cannot heal.] 28 icch ihvh bwgyvn ubyurvn ubtmhvn lbb [Yahweh will strike you with craziness and with blindness, and with astonishment of heart.] 29 vhiit mmww bxhrim cawr imww hyur baplh vla txlik at-drcic vhiit ac ywuq vgzul cl-himim vain mvwiy [And you will be groping at noon, as the blind grope in the gloom and you will not thrive in your ways, and you will surely be oppressed and ravaged every day and there is none to save.] 30 awh tarw vaiw akr iwcbnh bit tbnh vla-twb bv crm t'ty vla tkllnu [A wife you will betroth and someone following will lie down with her. You will build a house and not sit in it. A vineyard you will plant and not start to use it.] 31 wvrc 'tbuk lyinic vla tacl mmnu kmrc gzul mlpnic vla iwub lc xanc ntnvt laibic vain lc mvwiy [Your bull will be slaughtered in your sight and you will not eat from it. Your ass will be robbed before your face and will not return to you. Your flock will be given to your enemies and there will be none for you to save.] 32 bnic ubntic ntnim lym akr vyinic ravt vclvt alihm cl-hivm vain lal idc [Your sons and your daughters will be given to another people, and your eyes will see and faint for them all the day long, but there is nothing at your hand.] 33 pri admtc vcl-igiyc iacl ym awr la-idyt vhiit rq ywuq vrxux cl-himim [The fruit of your ground and all your labour a people that you do not know will eat. And you will certainly be oppressed and splintered all the days.] 34 vhiit mwgy mmrah yinic awr trah [And you will be driven crazy, from the appearance in your eyes that you will see.] 35 icch ihvh bwkin ry yl-hbrcim vyl-hwqim awr la-tucl lhrpa mcf rglc vyd qdqdc [Yahweh will strike you with evil ulcers on the knees and on the legs that you cannot heal, from the sole of your foot to your scalp.] 36 ivlc ihvh atc vat-mlcc awr tqim ylic al-gvi awr la-idyt ath vabtic vybdt wm alhim akrim yx vabn [And Yahweh will usher you and your king that you place over you to a nation that you do not know, you or your ancestors, and there you will serve other gods of tree and stone.] 37 vhiit lwmh lmwl vlwninh bcl hymim awr-inhgc ihvh wmh [And you will be a desolation, a parable and a gibe, among all the peoples where Yahweh will drive you.] 38 zry rb tvxia hwdh umy't tasf ci ikslnu harbh [Abundant seed you will bring out to the field, but little will you gather in for the locust will decimate it.] 39 crmim t'ty vybdt viin la-twth vla tagr ci taclnu htlyt [Vineyards you will plant and you will serve, but wine you will neither imbibe nor stockpile for the worm will devour it.] 40 zitim ihiu lc bcl-gbulc vwmn la tsuc ci iwl zitc [There will be olive trees for you through all your borders but with oil you will not rub yourself for your olive will drop off.] 41 bnim ubnvt tvlid vla-ihiu lc ci ilcu bwbi [Sons and daughters you will beget, but they will not be for you for they will walk on into captivity.] 42 cl-yxc upri admtc iirw hxlxl [All your tree and the fruit of your ground, the cicada will possess.] 43 hgr awr bqrbc iylh ylic mylh mylh vath trd m'th m'th [The guest that is among you will have ascendancy over you, ascendancy, ascendancy, and you, yourself, will be descending down, down, down.] 44 hua ilvc vath la tlvnu hua ihih lraw vath thih lznb [He will lend to you and you will not lend to him. he will be the head and you will be subservient.] 45 ubau ylic cl-hqllvt halh urdpuc vhwiguc yd hwmdc ci-la wmyt bqvl ihvh alhic lwmr mxotiv vkqtiv awr xuc [And all these denials come upon you and they pursue you and overtake you until you are exterminated, for you have not heard with the voice of Yahweh your God to keep his commandments and his statutes that he is commanding you.] 46 vhiu bc lavt ulmvpt ubzryc yd-yvlm [And they will be in you for a sign and for a miracle, and in your seed for evermore.] 47 tkt awr la-ybdt at-ihvh alhic bwmkh ub'tub lbb mrb cl [In that you did not serve Yahweh your God with gladness and with a good heart, out of all abundance.] 48 vybdt at-aibic awr iwlknu ihvh bc bryb ubxma ubyirm ubksr cl vntn yl brzl yl-xuarc yd hwmidv atc [And you will serve your enemies that Yahweh will send against you in scarcity and in thirst and in blindness and in lack of everything. And he will position a shackle of iron on your neck until it exterminates you.] 49 iwa ihvh ylic gvi mrkvq mqxh harx cawr idah hnwr gvi awr la-twmy lwnv [Yahweh will lift up a nation against you from afar, from the extremity of the earth. He darts like the eagle, a nation whose tongue you will not hear.] 50 gvi yz pnim awr la-iwa pnim lzqn vnyr la ikn [It is a nation of strength of presence that will not bear the presence of the aged and will not be gracious to youth.] 51 vacl pri bhmtc upri-admtc yd hwmdc awr la-iwair lc dgn tirvw vixhr wgr alpic vywtrt xanc yd habidv atc [It will eat the fruit of your cattle and the fruit of your ground until you are exterminated. It will not warehouse grain for you, or new wine or clarified oil, or the issue of your drove or the breeding of your flock, until it makes you perish.] 52 vhxr lc bcl-wyric yd rdt kmtic hgbhvt vhbxrvt awr ath b'tk bhn bcl-arxc vhxr lc bcl-wyric bcl-arxc awr ntn ihvh alhic lc [And it will be your adversary in all your gates until your haughty walls come down and the enclosures, the ones that you trust in through all your land. And it will be your adversary in all your gates through all your land which Yahweh your God gave to you.] 53 vaclt pri-b'tnc bwr bnic ubntic awr ntn-lc ihvh alhic bmxvr ubmxvq awr-ixiq lc aibc [And you will eat the fruit of your belly, the flesh of your sons and your daughters that Yahweh your God gave to you, in the siege and in the agony that your enemy will make you agonize.] 54 haiw hrc bc vhyng mad try yinv bakiv ubawt kiqv ubitr bniv awr ivtir [The tender man among you and very delicate, his eye will bring evil against his brother and against the wife of his embrace, and against the surplus of his children that he has left over.] 55 mtt | lakd mhm mbwr bniv awr iacl mbli hwair-lv cl bmxvr ubmxvq awr ixiq lc aibc bcl-wyric [He will refrain from giving to one of them from the flesh of his children that he eats in that there is no meat for him, in the siege and in the agony that your enemy will make you agonize in all your gates.] 56 hrch bc vhyngh awr la-nsth cf-rglh hxg yl-harx mhtyng umrc try yinh baiw kiqh ubbnh ubbth [The tender and delicate woman among you that will not tempt to exhibit the sole of her foot on the earth out of delicacy and out of tenderness, her eye will bring evil against the man of her embrace and against her son and against her daughter.] 57 ubwlith hivxt | mbin rglih ubbnih awr tld ci-taclm bksr-cl bstr bmxvr ubmxvq awr ixiq lc aibc bwyric [And of the afterbirth that comes out from between her feet and toward her children that she has given birth to, for she will eat them when lacking everything, in secret, in the siege and in the agony that your enemy will make you agonize in your gates.] 58 am-la twmr lywvt at-cl-dbri htvrh hzat hctubim bspr hzh lirah at-hwm hncbd vhnvra hzh at ihvh alhic [If you do not keep and do all the words of this instruction written in this record, to fear this glorious and fearful name, Yahweh your God,] 59 vhpla ihvh at-mctc vat mcvt zryc mcvt gdlvt vnamnvt vklim ryim vnamnim [then Yahweh will make extraordinary your defeats and the defeats of your seed, great and dependable defeats and evil dependable sicknesses.] 60 vhwib bc at cl-mdvh mxrim awr igrt mpnihm vdbqu bc [then he will return within you all the infirmities of Egypt whose presence you were afraid of, and they will cling within you.] 61 gm cl-kli vcl-mch awr la ctub bspr htvrh hzat iylm ihvh ylic yd hwmdc [Furthermore all illness and all defeat that is not inscribed in the record of this instruction, Yahweh will make ascendant over you until you are exterminated.] 62 vnwartm bmti my't tkt awr hiitm ccvcbi hwmim lrb ci-la wmyt bqvl ihvh alhic [And you will be bereft, a few men, instead of what you were, as the stars of the heavens for multitude, for you did not hear with the voice of Yahweh your God.] 63 vhih cawr-ww ihvh ylicm lhi'tib atcm ulhrbvt atcm cn iwiw ihvh ylicm lhabid atcm ulhwmid atcm vnsktm myl hadmh awr-ath ba-wmh lrwth [And it will happen that as Yahweh sang for joy over you to do you good and to make you increase, so Yahweh will sing for joy over you to make you perish and to exterminate you, and you will be extirpated from the ground that you are going toward to possess it.] 64 vhpixc ihvh bcl-hymim mqxh harx vyd-qxh harx vybdt wm alhim akrim awr la-idyt ath vabtic yx vabn [And Yahweh will disperse you among all the peoples from one extremity of the earth and to the other extremity of the earth, and you will serve there other gods that neither you yourselves nor your ancestors know, of tree and stone.] 65 ubgvim hhm la trgiy vla-ihih mnvk lcf-rglc vntn ihvh lc wm lb rgz vclivn yinim vdabvn npw [And among those nations you will not find ease and there will be no rest for the sole of your foot. And Yahweh will give you there, a shuddering heart, and faint eyes, and a drooping integrity.] 66 vhiu kiic tlaim lc mngd upkdt lilh vivmm vla tamin bkiic [And your lives will become uncertain before you, and you will dread night and day, so you will not be able to depend on your lives.] 67 bbqr tamr mi-itn yrb ubyrb tamr mi-itn bqr mpkd lbbc awr tpkd ummrah yinic awr trah [In the morning you will say, Who gives evening, and in the evening, you will say, Who gives morning, from the dread of your heart that you dread and from what appears in your eyes that you will see.] 68 vhwibc ihvh | mxrim banivt bdrc awr amrti lc la-tsif yvd lrath vhtmcrtm wm laibic lybdim vlwpkvt vain qnh s [And Yahweh will have you return to Egypt by ship in the way that I said to you, You will no longer again see it. And you will be on sale there to your enemies as servants and as handmaidens and there is no one to purchase. S] 69 alh dbri hbrit awr-xuh ihvh at-mwh lcrt at-bni iwral barx mvab mlbd hbrit awr-crt atm bkrb p [These are the words of the covenant which Yahweh commanded Moses to cut with the children of Israel in the land of Moab, besides the covenant which he cut with them in Horeb. P]

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[endorsereviews]

Maxwell Finn – Facebook Ad IQ Academy

You just discovered the most comprehensive and advanced Facebook Ad course on the market!

Consistently Create Wildly Profitable Facebook Ads I hope you’re ready to make some serious

Let’s face it…creating a profitable Facebook ad is incredibly difficult! Every day I hear the statement “Facebook Ads don’t work for a business like mine”. The reality is that there is a successful Facebook ad strategy out there for every business in every industry. Unfortunately, a vast majority of business owners don’t know how to really take full advantage of the Facebook ad platform.

They don’t understand how to properly research their market, A/B test, identify winners, scale profitably or maximize customer lifetime value.

When I first started out in the paid advertising world I didn’t seek out a mentor or coach. I tried to do it all myself, which cost me a lot more money and time before I started creating winning campaigns than it should have.

Want A Secret Weapon? Here’s Your Blueprint To Success

Before I tell you more about Facebook Ad IQ Academy, let me ask you a few questions:

Are you having trouble setting up your pixel and creating the right custom audiences? Are you struggling to find the right audience to target with your ads? Are you struggling to write ad copy that converts? Are you unable to truly understand all the data you are collecting and determine which ads you should pause and which you should scale? Are you tired of finding an ad that works only to have it all fall apart when you try and scale? Are you finding it impossible to stay on top of all the new features and updates that Facebook makes? If you answered yes to 1 (or all!) of these questions then I have some exciting news for you! Throughout my career I have managed millions of dollars in Facebook ad spend for my own businesses, big companies like 3M and high profile entrepreneurs like Kevin Harrington and Pat Flynn. When I was getting started I pretty much answered yes to all of the questions above, but instead of seeking out a mentor or purchasing any courses I tried to learn everything by doing it myself. Luckily, I eventually figured everything out and became an incredibly successful Facebook advertiser, but it cost me a lot (both time and cash).

After hitting several huge homeruns during the past 12 months, my focus is now on helping other entrepreneurs and marketers achieve the same level of success with Facebook ads.

This summer, I spent 2 months working around the clock creating one the most comprehensive Facebook ad courses on the market… Facebook Ad IQ Academy.

Meet Facebook Ad IQ Academy!

Here’s what you get when you enroll today. This is not just another social media marketing course where you get access to a handful of generic videos with zero support. Courses like that are a dime a dozen. Frankly, there are way too many career coaches creating courses and very few practitioners actually teaching what they DO.

Before I tell you more about Facebook Ad IQ Academy let me tell you a true story about what really pushed me to create it in the first place. Earlier this year a young Facebook ad guru reached out to me asking for help. He had been doing Facebook ads for 6 months and decided to launch a course. Amazingly, it was killing and he got several hundred students to pay $497, but wanted me to run the Facebook ads for the course because he wasn’t confident in his skills! Think about that for a second…here is a kid charging people $497 for a course on Facebook ads who couldn’t run his own traffic.

After that phone call, I decided I needed to launch Facebook Ad IQ Academy, so business owners and marketers could learn from someone who actually does this for a living.

Facebook Ad IQ Academy students don’t just get access to 80+ detailed video lessons, they also get access to a private Facebook group and weekly office hours where I answer students questions live every Friday. New videos are added on a regular basis and there is a level of personal attention that very few programs offer, especially ones that don’t require a monthly subscription.

Inside The Academy Welcome!

04:08

Welcome To Facebook Ad IQ Academy Weekly Facebook Live Schedule Building Your Foundation

75:13

The Facebook Pixel Advanced Custom Audiences Competition Spying Closer Look At Behavioral And Demographic Targeting Options Setting Up Automation Rules Creative and Copy Inspiration and Testing Ad Type Breakdown

59:00

Creating Canvas Ads Creating Collection Ads Creating Offer Ads Creating Sponsored Message Ads Intro To Dynamic Product Ads Product Catalog & DPA Feed Creation Creating Dynamic Product Ads Data Is King

73:45

Knowing Your Numbers With Reports Deep Dive Into Reporting Facebook Analytics Using UTMs For Better Tracking My Funnels & Advanced Strategies

196:11

Selling With Facebook Live The Free + Shipping Funnel Part 1 The Free + Shipping Funnel Part 2 Smart From Scratch Course Launch Strategy Part 1 Smart From Scratch Course Launch Strategy Part 2 Smart From Scratch Course Launch Strategy Part 3 The Foundation Of All My Facebook Campaigns Video Ad Funnel The Thank You Ad Turning Photos Into Videos The Post Purchase Retargeting Funnel Overwhelming Value Lead Gen Campaign Kevin Harrington Lead Generation Campaign The Future Is Messenger

47:19

Getting Started With Messenger Messenger Automation Growing Your Messenger Audience Profitably Scaling

34:55

Intro To Manual Bidding Manual Bidding Part 2 The 20% Scaling Rule Power Tools

36:58

ConnectRetarget Sniply CartHook Zipify Pages List Of My Favorite Tools

Bonuses!

6 Facebook Ads You Need To Run My Presentation For Ezra Firestone’s Ecom Allstars Event Funnel Blueprints

The Gold Standard Cold Traffic Manual Bidding Free + Shipping Pat Flynn Facebook Lives

417:22

LIVE: How To Media Spend Wisely LIVE: Scaling Ads LIVE: Preferred Type Of FB ADs/ Ad Methods / Manual Bidding Created New Campaign For Pat Flynn’s Podcasting Course That Produced Over $160,000 In Sales On Less Than $10,000 In Spend LIVE: Leveraging 3rd Party Content For Your Ads And Post Purchase Retargeting LIVE: Creating Ad Sets Analyzing Our Killer Free + Shipping Funnel Testing Out Facebook’s New Live Audio Feature Facebook’s Brand New Ad Account Overviews How To Link Your Page To Your Group Best Way To Generate High-Quality Applications Through Facebook Ads How To Have Great Brand Identity Canvas Ad Shopify Checkout CartHook Upsell Sequence Facebook’s New Analytics Platform Makes Identifying Winning Audiences So Much Easier Q+A: How To Report/Segment Purchases For A Specific Product Within FB Reporting Q+A: How Target Audience About Woman Fitness Apparel Q+A: Structuring A Campaign With $100-200 Budget Structure Q+A: “So, I’ve Put Up The Ad, Targeted The Interests And All The Details, Set It To $5/Day Budget And Then… What Do We Do?” LIVE: Dynamic Creative in Power Editor! Facebook just made A/B testing ads exponentially easier Weekly Office Hours

551:35

LIVE: Weekly Office Hours – Ad Frequency, Scaling Ads, Using The Course To Make $$$ and More! (Session #1) LIVE: Weekly Office Hours – Ads In Different Countries, Lead Magnets, Audience Lookalikes and More! (Session #2) LIVE: Weekly Office Hours – Allocating Ad Budgets, Messenger Sequences, Using Audiences You Already Have and More! (Session #3) LIVE: Weekly Office Hours – “Good” Ads, Getting Subscriptions on Many Chat, Ad Agency Timeline For Clients and More! (Session #4) LIVE: Weekly Office Hours – eCommerce Traffic Strategy, Stacking Audiences, Reach Campaigns and More! (Session #5) LIVE: Weekly Office Hours – Utilizing CartHook, Offer Price Points, Frequency Caps and More! (Session #6) LIVE: Weekly Office Hours – Engaging Video Content, Percentage of Lookalike Audiences, Marketing to Niche Products and More! (Session #7) LIVE: Weekly Office Hours – Lead Offer Conversion Rates, Offer Ads, Best Apps For Facebook and More! (Session #8) LIVE: Weekly Office Hours – Ad Buyers, Creating Campaigns, Affiliate Deals and More! (Session #9) LIVE: Weekly Office Hours – When To Create Lookalike Audiences, Selling via Messenger Campaigns, Building eCommerce Websites and more! (Session #10) 60 Second Ad Hacks

11:42

60 Second Ad Hacks – Episode #1: Testing multiple campaign objectives. 60 Second Ad Hacks – Episode #2: Maximize social proof with existing posts instead of new ads with each audience. 60 Second Ad Hacks – Episode #3: Create time on site custom audiences for your website traffic page view events. 60 Second Ad Hacks – Episode #4: Turn photos into videos with slideshow ads so you can create video view custom audiences. 60 Second Ad Hacks – Episode #5: Create a powerful video testimonial grid page post that you can use for your retargeting. 60 Second Ad Hacks – Episode #6: Focus on agitating the problem your product solves before pitching your actual product. 60 Second Ad Hacks – Episode #7: Don’t just start running traffic if you don’t know your bottom of the funnel metrics. Work backward from CLTV to your first ad. 60 Second Ad Hacks – Episode #8: Use automation rules to efficiently scale winning ad sets. 60 Second Ad Hacks – Episode #9: Use the 28 day view attribution window to get the full picture of how effective your ads are. 60 Second Ad Hacks – Episode #10: Create automation rules that ensure you are utilizing close to 100% of your daily budget. Increase Your Ad IQ And… Master the Pixel and custom audiences Become an A/B testing wizard Find the most profitable & scalable audiences Build the perfect campaign architecture Launch cutting-edge retargeting campaigns Leverage manual bidding & win auctions

Get Maxwell Finn – Facebook Ad IQ Academy right now!

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Maxwell Finn – Facebook Ad IQ Academy posted first on premiumwarezstore.blogspot.com

[sublimedeal]

Maxwell Finn – Facebook Ad IQ Academy

Maxwell Finn – Facebook Ad IQ Academy Get Maxwell Finn – Facebook Ad IQ Academy right now!

You just discovered the most comprehensive and advanced Facebook™ Ad course on the market!

Consistently Create Wildly Profitable Facebook Ads I hope you’re ready to make some serious

Let’s face it…creating a profitable Facebook™ ad is incredibly difficult! Every day I hear the statement “Facebook™ Ads don’t work for a business like mine”. The reality is that there is a successful Facebook™ ad strategy out there for every business in every industry. Unfortunately, a vast majority of business owners don’t know how to really take full advantage of the Facebook ad platform.

They don’t understand how to properly research their market, A/B test, identify winners, scale profitably or maximize customer lifetime value.

When I first started out in the paid advertising world I didn’t seek out a mentor or coach. I tried to do it all myself, which cost me a lot more money and time before I started creating winning campaigns than it should have.

Want A Secret Weapon? Here’s Your Blueprint To Success

Before I tell you more about Facebook Ad IQ Academy, let me ask you a few questions:

Are you having trouble setting up your pixel and creating the right custom audiences? Are you struggling to find the right audience to target with your ads? Are you struggling to write ad copy that converts? Are you unable to truly understand all the data you are collecting and determine which ads you should pause and which you should scale? Are you tired of finding an ad that works only to have it all fall apart when you try and scale? Are you finding it impossible to stay on top of all the new features and updates that Facebook makes? If you answered yes to 1 (or all!) of these questions then I have some exciting news for you! Throughout my career I have managed millions of dollars in Facebook ad spend for my own businesses, big companies like 3M and high profile entrepreneurs like Kevin Harrington and Pat Flynn. When I was getting started I pretty much answered yes to all of the questions above, but instead of seeking out a mentor or purchasing any courses I tried to learn everything by doing it myself. Luckily, I eventually figured everything out and became an incredibly successful Facebook advertiser, but it cost me a lot (both time and cash).

After hitting several huge homeruns during the past 12 months, my focus is now on helping other entrepreneurs and marketers achieve the same level of success with Facebook ads.

This summer, I spent 2 months working around the clock creating one the most comprehensive Facebook ad courses on the market… Facebook Ad IQ Academy.

Meet Facebook Ad IQ Academy!

Here’s what you get when you enroll today. This is not just another social media marketing course where you get access to a handful of generic videos with zero support. Courses like that are a dime a dozen. Frankly, there are way too many career coaches creating courses and very few practitioners actually teaching what they DO.

Before I tell you more about Facebook Ad IQ Academy let me tell you a true story about what really pushed me to create it in the first place. Earlier this year a young Facebook ad guru reached out to me asking for help. He had been doing Facebook ads for 6 months and decided to launch a course. Amazingly, it was killing and he got several hundred students to pay $497, but wanted me to run the Facebook ads for the course because he wasn’t confident in his skills! Think about that for a second…here is a kid charging people $497 for a course on Facebook ads who couldn’t run his own traffic.

After that phone call, I decided I needed to launch Facebook Ad IQ Academy, so business owners and marketers could learn from someone who actually does this for a living.

Facebook Ad IQ Academy students don’t just get access to 80+ detailed video lessons, they also get access to a private Facebook group and weekly office hours where I answer students questions live every Friday. New videos are added on a regular basis and there is a level of personal attention that very few programs offer, especially ones that don’t require a monthly subscription.

Inside The Academy Welcome!

04:08

Welcome To Facebook Ad IQ Academy Weekly Facebook Live Schedule Building Your Foundation

75:13

The Facebook Pixel Advanced Custom Audiences Competition Spying Closer Look At Behavioral And Demographic Targeting Options Setting Up Automation Rules Creative and Copy Inspiration and Testing Ad Type Breakdown

59:00

Creating Canvas Ads Creating Collection Ads Creating Offer Ads Creating Sponsored Message Ads Intro To Dynamic Product Ads Product Catalog & DPA Feed Creation Creating Dynamic Product Ads Data Is King

73:45

Knowing Your Numbers With Reports Deep Dive Into Reporting Facebook Analytics Using UTMs For Better Tracking My Funnels & Advanced Strategies

196:11

Selling With Facebook Live The Free + Shipping Funnel Part 1 The Free + Shipping Funnel Part 2 Smart From Scratch Course Launch Strategy Part 1 Smart From Scratch Course Launch Strategy Part 2 Smart From Scratch Course Launch Strategy Part 3 The Foundation Of All My Facebook Campaigns Video Ad Funnel The Thank You Ad Turning Photos Into Videos The Post Purchase Retargeting Funnel Overwhelming Value Lead Gen Campaign Kevin Harrington Lead Generation Campaign The Future Is Messenger

47:19

Getting Started With Messenger Messenger Automation Growing Your Messenger Audience Profitably Scaling

34:55

Intro To Manual Bidding Manual Bidding Part 2 The 20% Scaling Rule Power Tools

36:58

ConnectRetarget Sniply CartHook Zipify Pages List Of My Favorite Tools

Bonuses!

6 Facebook Ads You Need To Run My Presentation For Ezra Firestone’s Ecom Allstars Event Funnel Blueprints

The Gold Standard Cold Traffic Manual Bidding Free + Shipping Pat Flynn Facebook Lives

417:22

LIVE: How To Media Spend Wisely LIVE: Scaling Ads LIVE: Preferred Type Of FB ADs/ Ad Methods / Manual Bidding Created New Campaign For Pat Flynn’s Podcasting Course That Produced Over $160,000 In Sales On Less Than $10,000 In Spend LIVE: Leveraging 3rd Party Content For Your Ads And Post Purchase Retargeting LIVE: Creating Ad Sets Analyzing Our Killer Free + Shipping Funnel Testing Out Facebook’s New Live Audio Feature Facebook’s Brand New Ad Account Overviews How To Link Your Page To Your Group Best Way To Generate High-Quality Applications Through Facebook Ads How To Have Great Brand Identity Canvas Ad Shopify Checkout CartHook Upsell Sequence Facebook’s New Analytics Platform Makes Identifying Winning Audiences So Much Easier Q+A: How To Report/Segment Purchases For A Specific Product Within FB Reporting Q+A: How Target Audience About Woman Fitness Apparel Q+A: Structuring A Campaign With $100-200 Budget Structure Q+A: “So, I’ve Put Up The Ad, Targeted The Interests And All The Details, Set It To $5/Day Budget And Then… What Do We Do?” LIVE: Dynamic Creative in Power Editor! Facebook just made A/B testing ads exponentially easier Weekly Office Hours

551:35

LIVE: Weekly Office Hours – Ad Frequency, Scaling Ads, Using The Course To Make $$$ and More! (Session #1) LIVE: Weekly Office Hours – Ads In Different Countries, Lead Magnets, Audience Lookalikes and More! (Session #2) LIVE: Weekly Office Hours – Allocating Ad Budgets, Messenger Sequences, Using Audiences You Already Have and More! (Session #3) LIVE: Weekly Office Hours – “Good” Ads, Getting Subscriptions on Many Chat, Ad Agency Timeline For Clients and More! (Session #4) LIVE: Weekly Office Hours – eCommerce Traffic Strategy, Stacking Audiences, Reach Campaigns and More! (Session #5) LIVE: Weekly Office Hours – Utilizing CartHook, Offer Price Points, Frequency Caps and More! (Session #6) LIVE: Weekly Office Hours – Engaging Video Content, Percentage of Lookalike Audiences, Marketing to Niche Products and More! (Session #7) LIVE: Weekly Office Hours – Lead Offer Conversion Rates, Offer Ads, Best Apps For Facebook and More! (Session #8) LIVE: Weekly Office Hours – Ad Buyers, Creating Campaigns, Affiliate Deals and More! (Session #9) LIVE: Weekly Office Hours – When To Create Lookalike Audiences, Selling via Messenger Campaigns, Building eCommerce Websites and more! (Session #10) 60 Second Ad Hacks

11:42

60 Second Ad Hacks – Episode #1: Testing multiple campaign objectives. 60 Second Ad Hacks – Episode #2: Maximize social proof with existing posts instead of new ads with each audience. 60 Second Ad Hacks – Episode #3: Create time on site custom audiences for your website traffic page view events. 60 Second Ad Hacks – Episode #4: Turn photos into videos with slideshow ads so you can create video view custom audiences. 60 Second Ad Hacks – Episode #5: Create a powerful video testimonial grid page post that you can use for your retargeting. 60 Second Ad Hacks – Episode #6: Focus on agitating the problem your product solves before pitching your actual product. 60 Second Ad Hacks – Episode #7: Don’t just start running traffic if you don’t know your bottom of the funnel metrics. Work backward from CLTV to your first ad. 60 Second Ad Hacks – Episode #8: Use automation rules to efficiently scale winning ad sets. 60 Second Ad Hacks – Episode #9: Use the 28 day view attribution window to get the full picture of how effective your ads are. 60 Second Ad Hacks – Episode #10: Create automation rules that ensure you are utilizing close to 100% of your daily budget. Increase Your Ad IQ And… Master the Pixel and custom audiences Become an A/B testing wizard Find the most profitable & scalable audiences Build the perfect campaign architecture Launch cutting-edge retargeting campaigns Leverage manual bidding & win auctions

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[phgq]

Pampanga SDOs launch strategic projects for Kapampangan learners

#PHinfo: Pampanga SDOs launch strategic projects for Kapampangan learners

CITY OF SAN FERNANDO, Pampanga, March 12 (PIA) -- Schools Division Offices (SDOs) in Pampanga launched various strategic projects to ensure accessible education to Kapampangan learners amid the COVID-19 pandemic.    Department of Education (DepEd) Regional Director May Eclar mentioned the Basic Education Learning Continuity Plans of SDO Pampanga, SDO City of San Fernando, SDO Angeles City, and SDO Mabalacat City.    Under the new normal of education, SDO Pampanga partnered with the Provincial Government and CLTV 36 to deliver lessons via TV-based instruction known as Super K-Teleskwela.    “This modality supplements the Modular Instruction to provide quality and more accessible learning opportunities to learners. TV-based lessons are produced for Grades 4-Senior High School students and SPED learners across all learning areas from Monday to Saturday at 11:00 am until 7:00 pm,” Eclar explained.    Meanwhile, the Division Call Center for Tutors and Guidance Counselors program of SDO City of San Fernando prioritizes the holistic development of its learners, and allows students, parents and stakeholders to raise their concerns on mental health and overall health being. 

Department of Education Regional Director May Eclar. (DepEd Region 3)

Eclar furthered that it helps address questions on Self-Instructional Packets which is the main modality in the City of San Fernando.    “The program includes the deployment of volunteer public school teachers Monday to Friday from 8:00AM to 6:00PM to address academic-related queries and concerns, and the counselling services of guidance teachers and counsellors 24/7, seven days a week,” she said.    On the other hand, she stressed that SDO Angeles City produced Learning Activity Sheets per learning area paving the way for the continuous delivery of education.    Moreover, Eclar cited the radio-based instruction, dubbed as “Sikat Radyo Eskwela”, launched by SDO Mabalacat City to reach more learners especially those from far-flung communities.    “The project opened hundreds of opportunities for teachers to discover their potentials as broadcasters on air, for parents to ease the burden in Modular Distance Learning and for stakeholders to share their time and resources,” she added. (CLJD/TJBM-PIA 3)

***

References:

* Philippine Information Agency. "Pampanga SDOs launch strategic projects for Kapampangan learners ." Philippine Information Agency. https://pia.gov.ph/news/articles/1069436 (accessed March 12, 2021 at 09:10PM UTC+08).

* Philippine Infornation Agency. "Pampanga SDOs launch strategic projects for Kapampangan learners ." Archive Today. https://archive.ph/?run=1&url=https://pia.gov.ph/news/articles/1069436 (archived).

[topinforma]

New Post has been published on Mortgage News

New Post has been published on http://bit.ly/2nz9FP3

Wells Fargo's fake account scandal didn't dent 2016 mortgage business - HousingWire

Wells Fargo spent much of the latter part of 2016 cleaning up the mess from its massive fake accounts scandal and trying to repair the damage to its reputation, but the bank’s mortgage business certainly didn’t suffer last year.

According to Wells Fargo’s annual report, released Thursday, Wells Fargo’s total mortgage origination volume rose to $249 billion in 2016 from $213 billion in 2015 and $175 billion in 2014.

As one might expect considering that its origination volume increased, Wells Fargo’s application volume increased as well. According to Wells Fargo’s report, it received $347 billion in mortgage applications in 2016, compared with $311 billion in 2015 and $262 billion in 2014.

So part of the increase in origination volume is driven by an increase in applications, but that’s not the only factor driving the $36 billion increase in mortgage originations.

Analysis of Wells Fargo’s mortgage application and origination volume shows that the bank is denying fewer applications and approving more loans, and has done so for at least two straight years.

According to a review of Wells Fargo’s data, the bank converted 66.8% of its applications into originations in 2014. That figure rose to 68.5% approval in 2015, and all the way to an approval rate of 71.8% in 2016.

One conclusion that could be drawn from that increase is that Wells Fargo is relaxing its credit standards to approve more loans, but that doesn’t appear to be the case.

According to Wells Fargo’s report, the bank is constantly the quality of its credit, includes tracking delinquency, current FICO scores and loan/combined loan to collateral values on its entire real estate 1-4 family mortgage loan portfolio.

Wells Fargo notes that these credit risk indicators, which exclude government insured/guaranteed loans, continued to improve in 2016.

Here’s how it all broke down, courtesy of Wells Fargo’s report:

Loans 30 days or more delinquent at December 31, 2016, totaled $5.9 billion, or 2% of total non- PCI mortgages, compared with $8.3 billion, or 3%, at 
December 31, 2015.

Loans with FICO scores lower than 
640 totaled $16.6 billion, or 5% of total non-PCI mortgages at December 31, 2016, compared with $21.1 billion, or 7%, at December 31, 2015.

Mortgages with a LTV/CLTV greater than 100% totaled $8.9 billion at December 31, 2016, or 3% of total non-PCI mortgages, compared with $15.1 billion, or 5%, at December 31, 2015.

“Non-PCI mortgages,” in Wells Fargo’s terminology, are loans that are not “purchased credit-impaired.”

Wells Fargo classifies PCI loans are as “loans acquired with evidence of credit deterioration since their origination and where it is probable that we will not collect all contractually required principal and interest payments.”

According to Wells Fargo, “substantially all” of its PCI loans were acquired when the bank acquired Wachovia in 2008.

And the increase in Wells Fargo’s business is not driven by a massive influx of low down payment mortgages either.

As HousingWire reported last year, Wells Fargo began offering mortgages with a down payment of as little as 3% in a program called yourFirstMortgage.

Early reports on the yourFirstMortgage program were positive, as the bank noted that it received $1 billion of applications for the yourFirstMortgage program in the program’s first 30 days.

Those results were echoed in the program’s results for all of 2016, as the bank stated in its annual report that “yourFirst Mortgage helped more than 18,000 customers achieve sustainable homeownership” in 2016.

Overall, the program generated more than $3.9 billion in mortgage financing in 2016, which is approximately 1.6% of Wells Fargo’s total originations.

Wells Fargo noted that the credit performance associated with the bank’s real estate 1-4 family first lien mortgage portfolio continued to improve in 2016, as measured by net charge-offs and nonaccrual loans.

According to Wells Fargo, net charge-offs as a percentage of average real estate 1-4 family first lien mortgage loans improved to 0.03% in 2016, compared with 0.10% in 2015. Nonaccrual loans were $5 billion at the end of 2016, compared with $7.3 billion at the end of 2015.

An improving housing environment drove improvement in the credit performance of its mortgages, the bank said. According to the bank, loans originated after 2008 resulted in “minimal losses” to date and represented approximately 73% of the banks total real estate 1-4 family first lien mortgage portfolio as of the end of 2016.

According to Wells Fargo analysis of Home Mortgage Disclosure Act, the bank said that it originated more home loans across all key categories — including loans
to African Americans, Asians, Hispanics, Native Americans, low- and moderate-income borrowers, and residents of low- and moderate-income neighborhoods — than any other bank in America over the past six years.

As the bank noted last month, it plans to continue investing in underserved communities.

“Additionally, in 2017 we plan to work with the National Urban League, the National Association of Real Estate Brokers, and others to address lagging homeownership rates within the African American community by committing to a lending goal of $60 billion in new mortgages, for as many as 250,000 new homeowners, including a goal of $15 million to support a variety of initiatives that promote financial education and counseling, over the next 10 years,” the bank said in its annual report.

Wells Fargo said that its corporate goal is to originate $150 billion in mortgages for minorities and $70 billion in low- and moderate-income mortgage originations over the next five years.

To read Wells Fargo’s full annual report, click here.

[emanastudillo-blog]

Please watch "OK si Dok" with Dr. William and Salve Olalia. It will be aired this Saturday, March 11, 2017, 8 am at CLTV 36. We will be discussing "Obesity and Bariatric Surgery". #BariatricSurgery #MetabolicSurgery #AvailableInAngeles

[timows-turf]

The Filipino Decides 2019: The Review of the Campaign and the E-Day Insights

#TheFilipinoDecides2019: Let's go back with their doing and what's in store tomorrow.

THE SEASON of campaigning — political ads on media and mudslinging in their respective miting de avance — is now behind us. The past three months of such a period and other events within it has intensified further to convince the already divided electorate.

Tomorrow, 61.8 million registered voters will troop to their voting precincts to poll on the judgment of President Rodrigo Duterte’s first…