#preferred return guaranteed payments

[ismaelreyreyes]

Asset Management vs Property Management: Understanding the Key Differences

Asset Management vs Property Management: Understanding the Key Differences

[theredtours]

MASSIVE TAYLOR SWIFT CD SALE! INCLUDES NEW ITEMS

Hello, and happy holidays! I'm Chloe, a big Swiftie, and even bigger CD collector. I've been collecting for the better part of thirteen (!!) years now, and in that time, have managed to end up with a... few... duplicates in my hoard. It's time that those repeats go to new Swiftie homes, where they will hopefully bring as much joy to you as they once did to me, and what better time than right before the holidays? So before I post everything (which will be under the cut) I just kind of want to give an overview of how this will work. A sort of FAQ, if you will.

1. To claim an item, you will need to message me. And yes, I do mean mean "message," not "ask." This way ensures not only that Tumblr won't eat your request, as it loves to eat inbox mail, but also so that I can then have a conversation with you about where to send the item(s). 2. I will only accept Venmo/PayPal as forms of payment. Venmo is the preferred method, because they don't charge any sort of fees, but I am aware that Venmo is not available internationally, and PayPal is the safest alternative. Shipping for one single item across the US is about $5, so that's all I'll ask for it. 3. I will ship internationally, but you must prepare for delayed delivery. Since it is the holiday season, I cannot guarantee that anything sent overseas will arrive before Christmas. Please keep this in mind before ordering. Furthermore, in this case, I will ask for the cost of postage in a second payment, and then will provide you with a tracking number in return. 4. If you are buying more than one item, I will combine shipping. Because I cannot possibly guess the cost of shipping for multiple items, I will send a second invoice for the cost of shipping, along with a tracking number for your package. 5. No returns/refunds are allowed. All sales are final, as the whole idea behind this is for me to lighten the load. I have multiple pictures of each item (most of which will not be posted here to avoid making this post even longer), and will send them your way upon request.

Items will be marked as SOLD as they are purchased, so make sure you are checking the post on my blog and not just via reblogs before inquiring! All purchases will be mailed out within three business days of receiving payment. I will also message you to let you know exactly when they go out!

Thank you for taking the time to read this; merry Swiftmas!!

ITEMS FOR SALE

Taylor Swift (Promo Version) SOLD

Beautiful Eyes EP (Walmart Exclusive) SOLD

Fearless Platinum Edition (Target Exclusive) - $25 - TWO AVAILABLE This version of the album comes with additional DVD content--specifically, it's two of the songs she performed at Clear Channel Stripped! The case has some minor cracks and the "sticker" is just a reprint for identification purposes, but both discs and all inserts are in really good condition! The second copy is basically identical, but I can send pictures if you're interested in seeing it specifically.

Speak Now (Starbucks Exclusive) - $30 Nothing on the CD is different from other US versions of this album, but this one, sold exclusively at Starbucks back in the day, comes with a fancy "O-ring" slipcover! Not many were made, so it's considered to be on the rarer side.

Speak Now (Walmart Exclusive) - $15 This version was sold exclusively to Walmart and contained a cute little coupon for Covergirl products! Unfortunately, this copy did not come with the insert, which is why I'm selling it off. The only notable differences between it and any other standard copy of Speak Now are the catalogue number and UPC. All the songs are the same.

Red SOLD

Red (Starbucks Exclusive) - $30 This Starbucks exclusive "digipak" version of Red folds in the middle, much like a vinyl record! It does have a small fold in the cover (see the first photo), but the CD and booklet are in perfect condition. This copy was sent to me with the second disc from the Target version of Red, so it will also be included with this purchase. You're basically getting the deluxe version in a cool, rare case haha. :)

Red (Costco Exclusive) - $30 Yes, there are a few minor case cracks on the front side (thanks, kitties), but the album is still sealed and comes with its insert! What sets this rare version aside from its peers is the hype sticker on the front, and the inclusion of a flyer that, while no longer valid, once allowed you to download 3 additional Taylor Swift songs for free!

Red (Deluxe Edition) (Target Exclusive) SOLD folklore: "meet me behind the mall" edition - $15 This version was sold exclusively on Taylor's website! Though it's no different than the one you can get at Target content-wise, it does have a different catalogue number and UPC, so if you're into that sort of thing, this is a steal. Plus, it's brand new!

folklore: "in the weeds" edition - $20 I'm only charging a little extra for this one for two reasons. One, it is a little more sought-after, so if it doesn't sell here, it's going to eBay. Two, it's the EU version (which means nothing content-wise, just catalogue number and UPC-wise), so it cost a little more to get it to me. This one also was a website exclusive, and it's sealed!

TTPD: Down Bad (Acoustic Version) - $10 Back in June, this was one of two versions of TTPD posted exclusively to Taylor's website. My post office lost my order, so I ended up contacting the store to get a new one sent out. Months later, the package mysteriously arrives! Here's your chance to own that surprise CD!

TTPD: Guilty as Sin? (Acoustic Version) - $10 This CD was also part of the lost package! It too likely has mysterious teleportation powers*, and for the fine price of ten bucks, could also magically show up at your house soon! *This statement has not been proven as fact by the author.

TTPD: The Manuscript (Collector's Edition) - $30 This one was sent to me by mistake when ordering another item from the webstore. They let me keep it, but I don't need it. Again, their loss is your gain! It's also sealed!

More to come in the following days as I downsize, but this is a good place to start, yeah? Please reblog so this reaches as many genuine Swifties as possible! Thank you in advance!!

[ink-flavored]

Writing Share Tag

tagged by @noblebs, thank you!

The last thing I wrote before I went on vacation was an outline for one of my anthologies.... so I'll share part of that!

Gargoyle Adoption The carver is a middle-aged dwarf woman, with her beard braided back into her hair so it doesn’t interfere with her work. The adoption center looks like an eclectic curiosity shop or antique store, since all the “animals” are basically just living statues. All the gargoyles are loose around the store, but they don’t move until people get near them. The door is big enough for the biggest creatures with several smaller-sized doors within it. Begins with the dwarf carving a gargoyle that will go up for adoption in the shop; their personal pet gargoyle is bugging them—it’s noticeably decorated with gems and engravings. She waves it away, telling it to go eat its food that she set out for it Is forced to stop carving when a customer/potential adopter comes into the store (rings the bell at the counter?). The customer is a very serious-looking elf in fancy elf clothes. Can’t decide on gender. Dwarf asks what she can do for them. They ask if she’s open for Specially Commissioned Gargoyles. She says she is, but that her work doesn’t come cheap. They say no problem, I’m good for it. Elf produces a lovingly detailed sketch of the commission they want. It’s very complex, they’ve obviously thought a ton about this design. The dwarf looks over it, impressed, but not without misgivings. She compliments the drawing, but reminds the elf that a gargoyle is a living creature, as unpredictable as any animal. It may appear as though she can mold it to act however she wants, but the gargoyle has its own personality and preferences. If the gargoyle she carves doesn’t bond with them, she can’t help. She’ll refund the price of the adoption fee, but the commission money itself won’t be returned. The elf hesitates, but ultimately agrees to those terms. Payment is exchanged, the elf leaves, and the dwarf sets aside her first project to get started on the commission. Her office/workspace is a complete mess except for the spot where she carves the gargoyles. She has a specially organized set of tools, magnifying mirrors, magical and mundane light sources, etc. It’s very professional She starts with a solid block of the magical stone that all gargoyles are made of, chipping away at it once piece at a time. Her pet gargoyle hangs around. The more she carves the elf’s design, the more it seems like a kid’s drawing iterated upon by adult perspective, trying to make realistic something imagined from youth. This gargoyle design must be a childhood dream pet they’ve been aching to make a reality She can’t help but hope it likes them, even though she knows there’s no guarantee. Thinks about some of the gargoyle commissions she’s done where it hasn’t worked out. Starts talking to the in-progress gargoyle as she carves, which is something she normally does, but this time it’s more directly about how great it is to be someone’s companion animal. About all the things she and her gargoyle do. Her gargoyle lands on the desk and agrees (it can't speak but you know. animal sounds) with how great it is. She hopes this is enough to convince the magic in the stone to agree.

What happens next!!! A thrilling cliff hanger only to be answered whenever I write this thing for real!

Tagging: @foxys-fantasy-tales @noblebs @ceph-the-ghost-writer @auntdarth @damageinkorporated @srjacksin @void-botanist @vacantgodling @duelistkingdom and anyone else who wants to share something!

[cepheustarot]

What advice do you need to hear right now?

Attention! This reading is for entertainment purposes only. You make your own decisions and are responsible for them yourself, so it's up to you to listen to advice or not.

Choose one or more cards. Trust your intuition.

Card 1: Invention: Burning with passion Although the card said about passion for work or your projects, i added other cards and created next situation: here we are talking about workaholic, who work very hard, they are completely immersed in process, they are giving their forces and energy for complete tasks on the work. And they can neglect their own rest and free time, deny themselves pleasure. If you continue to work hard then everything will end in burnout and lack of strength. The cards advise you to reconsider your work schedule and your strength it is important to relax and spend time for your own pleasure, for example, alone with yourself or with people who charge you with energy. It is important to let yourself relax and not think about projects, work, but devote time to yourself and your rest. It is also very important to be able to delegate your work to others; here I see people who prefer to do everything on their own, but in this case it is very important to be able to share responsibilities, not to be stubborn, but to ask for help from others. As a result, this will save you, if not from all the burdens, then from most of them and you will be able to continue working at your usual pace.

Card 2: Knowledge Here we are talking about people who are in a difficult situation and do not know how to act, how to resolve it because of many thoughts in your head, you get confused and do not know what to do. Maybe you asked for advice another people but it is useless because they see the situation based on their views and their experience, and you have a completely different position and also a different experience. In this situation very important not to rely on the opinion of other people, but it is important to listen to yourself, determine the pros and cons, look at the situation from an objective point of view. Most importantly, in no case should you act to your own detriment, since in the future not very good consequences can be expected. Always choose yourself, put yourself and your interests first and this will save you from problems in the future.

Card 3: Challenge: Standing up for your rights. First of all, I would like to note that you are on the right track and you do not need to doubt it. Maybe you are facing difficulties and think that everything you are doing is a waste of time and effort, but! You should get out the thoughts and continue to move on, defend your position, fight for your goals, dreams, plans and then they will definitely come true and happy moments will appear in your life, you will feel stability, people will reach out to you offer their help or vice versa ask you for help (naturally not for free, in return, you will receive payment, whether it is money, guaranteed help from a person in the future or anything else). So be confident in yourself and in your path.

Thank you for reading! I will be glad of any feedback <3

[sothasil]

Sorry if this is super obvious, but are you still doing portrait commissions for charity? If so, can you link your PayPal?

Hello! I am currently busy with a bunch of em' actually :)

I am currently working on five, and have gotten more requests in the meantime. I will try to do as much as I can, and am slowly messaging the latest requests to warn them about the potential wait times. If it becomes at some point undoable for me, I will make a post to signal a hiatus or end of the commissions.

I am not comfortable publicly linking my paypal, but will send invoices in private chats with my clients. My usual commission process is as follows:

I chat with the client until they give me enough details I need for the illustration. This is where I give the price gauge for the commission.

I send a first sketch for approval, covering things like composition, pose, sometimes colors depending on the process.

Once approved by the client, I start working. I notify them when I am done and ask for the money. I do not accept money until I am finished with the piece, but I do not show the piece until I have been paid.

Once paid, I show the final piece, tweak things if need be (if the tweaks are significant and require me redoing some parts entirely, I can ask for more upfront) and send the client the full resolution files via their preferred method, usually email.

The charity commissions make this a bit difficult for cases like yours, as I encourage people to directly donate to the campaigns I am helping to avoid losing money to transfer fees. I usually do not accept upfront payment, but in this case I am not sure how to proceed - saying "donate upfront please!" goes against the personal guidelines I use for private commissions, which I set up based on how I work and client/artist trust, but would be much better for the families, as they need the money as fast as possible to survive. I encourage giving them money if you can, regardless. These are innocent people trying to escape a deadly situation.

It's a bit of a tricky situation - I want people to donate immediatly, but currently cannot guarantee being able to draw for you in return due to the amount of work I am already on, especially not as fast as usual.

If you would like a portrait and to pay via paypal, you will have to wait a little for me to complete my current commissions until I can take yours, with a slim chance I will unfortunately not be able to work with you.

I understand if this is a setback, as it boils down to not being able to fullfill the paid service I'm advertising. I will work so I do not leave behind anyone who's commission I have already accepted, and will not take money until I know I can complete the associated commission as to not pay anyone pay for nothing.

[iviarellereads]

Artificial Condition, Chapter 1

(Curious what I'm doing here? Read this post! For the link index and a primer on The Murderbot Diaries, read this one! Like what you see? Send me a Ko-Fi.)

In which we catch up with our pal.

SecUnits don't care about the news.

Murderbot never paid much attention to it, even after hacking its governor module. Entertainment is less likely to ping alarms, while news is carried on channels closer to protected data.(1) And, of course, news is boring and it never cared.

Now, as it crosses a station, it skims a newsburst while mostly just trying to get through the crowd without attracting attention. Fortunately, the humans of all sorts are too busy with their own journeys to pay it any mind. It has worried a little about security drones scanning for SecUnit specs, since they're all identical, but they shouldn't unless instructed to do so specifically, and nothing's pinged MB yet.

MB is very pleased with how well it's navigated so far.

Then, in the newsfeed, it sees… itself.

It stops near a food court, so people will think it's deciding where to eat, and pays more attention to the news. The image it saw was from the lobby with Pin-Lee's comment to the reporters, and credits MB simply as "bodyguard". The story mentions Mensah buying the SecUnit who saved her(2), as a human interest note to soften the grisly details of the body count. But, the journalists are only used to seeing SecUnits in their assigned roles, and usually in armour, so they haven't yet connected the new augmented human in the Preservation team. Which is good, because it increases MB's confidence in going undetected as itself.

The rest of the story covers how the company, DeltFall, Preservation, and three other political entities are joining forces against DeltFall, even as they fight each other over bond guarantees and jurisdiction.

Still, the newsburst is days old, and now MB wonders if the official news channels will have anything more recent. But, the higher priority is keeping moving.

On that note, MB keeps moving toward the transit ring. It can't use the typical facilities to purchase passage, as weapons scans will reveal it immediately unless it hacks the scanners, and it has no currency so it would have to hack the payment machines as well, and that's just too much work.(3)

So, MB catches a bot transport to the bot-driven transport section of the ring, and downloads some new media, and thinks about why it left Mensah and what it might want out of its life and freedom. Though, before it can have any of that, it needs to answer one very important question, and to do that, it needs to go to a specific place, with only two bot-driven transports leaving in the next cycle. The one leaving later is the better option, as it gives MB more time to talk the bot around.

I could hack a transport if I tried, but I really preferred not to. Spending that much time with something that didn’t want you there, or that you had hacked to make it think it wanted you there, just seemed creepy.(4)

On the way to the cargo transport, it does have to hack an ID-screener and some weapon-scanning drones, as well as a bot guard, but it just deletes any record of its existence, which is downright easy compared to what it usually has to do to work with company equipment.

The first dock it tries, with the bot transport leaving later, has a bunch of humans there dealing with an accident. Reluctantly, because it shouldn't be here in the first place, it goes to the other bot transport. The newsburst has it rattled, and it wants to escape into its media ASAP.

The other transport is a long-range research vessel, currently assigned to an uncrewed cargo run that will stop at the place MB needs. It's owned by a university in this system, and the cargo runs pay for its upkeep between assignments. MB would really like the twenty-one gloriously isolated cycles between here and its destination.(5)

MB finds the research transport, and pings it, receiving a return ping almost immediately. It gives the same offer it gave the first transport: all its media, serials, books, music, and some new shows it picked up on this station, in trade for a ride where it's going.(6) It offers the same explanation for its presence, as well: a free bot making its way back to its human guardian.

There was a pause, then the research transport sent an acceptance and opened the lock for me.

=====

(1) I find this a little suspect, as far as explanations or worldbuilding choices go. I'm not an expert in any sort of communications methods, but I don't feel like this tracks with what I do know about broadcasts or feeds generally or how they'd logically be laid out if they did work this way. (2) That feels like a romance novel title. Technically, it's almost exactly a romance novella title: The A.I. Who Loved Me, book 1 in Alyssa Cole's The Hive series. (Book 2 has no info yet, but book 1 was really cute, I thought. In case anyone wondered.) (3) MB being relatable again. Why do all that work just to look respectable, when you can sneak around and get your real work done in peace? (4) Gotta agree. Even if they can't retaliate against you, either of those just sounds… awkward, at best. (5) Is it just me, or does that sound like the sort of phrase that would not come true when stated in chapter 1 of a book? (6) I could question why a bot transport couldn't download its own entertainment from the feed, but MB's explanation of the feeds possibly raising alarms about bot access have already more or less answered it. As a part-human construct, it probably has access that can look less suspicious.

[financemaster1]

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[whisperedwisdomshub]

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[ari-stash]

Ari’s Anti trio

I hope you guys are ready for me to dump the nonsense I’ve had about these boys, because this is finally the day that I’m sharing it publicly. There’s no story tied to them (yet) but those three Antis have plagued my mind for a few years already so I’ve had PLENTY of time to think about them. What I’ll be posting isn’t the whole picture I have of them but just the most coherent descriptions I could manage to put into words. I’d gladly share any more specific details about them if asked :] 

(Quick heads up before the rambles begin! Each versions of Anti have different names and/or title. They don’t really go by them but it’s what I usually call them to differentiate between them. Hopefully it make sense.)

Aiden/ The fae: 

Very narcissistic, egotistical, cocky, and confident. There’s very few people that he respects or even considers close to his equal. I don’t think there’s anyone that he sees as being above him. In his own perspective, almost everyone is beneath him, and being treated as an equal is the biggest honor he can give to someone. This isn’t to say that he’s a total pompous ass toward others, he’s actually fairly amiable! Charming even, to some at least. He very rarely makes his disdain known when it is warranted, preferring to conceal it under a condescending smile.

He’s very fae-like in his ways. He doesn’t straight up lie; sure, he’ll embellish, diminish and omit certain details from the truth but he’ll never tell a full barefaced lie. There’s always a good chunk of truth and honesty even in his worst deceit. And if someone can get him to say or promise something he will stick to his words to the very end, the issue is to bring him to that point though. He also sticks to the rules of hospitality very thoroughly. If someone is a guest of his, it basically means that they’re at his mercy if they do anything that Anti deems rude or offensive. But it also works both ways.

He adores bets and wagers over everything else, even if he loses. All that matters to him is the entertainment it can bring to him, although if he doesn’t deem someone worthy of that type of attention he won’t bother with it. If he considers someone to be too dull, it’s pretty much a death sentence for the person’s life. If you have nothing to give him, why bother being nice? On the other hand though, if he finds someone to be interesting to him… well there’s still a great risk for their well being but he’ll never purposefully take it to the point of death. He’ll actually make sure that it doesn’t happen. He’s very playful with those types of persons, even if it often turns sadistic, but he can also sometimes be close to nice too. If he actually Likes someone though… that person can be guaranteed assistance and free favors from him. The only person in that category is Marvin.

He likes changing his appearance, never staying in one skin for too long. He alternates between the other egos’ forms like how one decides which shirt to wear for the day. (His favorite one is Marvin’s though) He can do it pretty quickly too, all it takes is a second of being unobserved and he’ll be someone else. It can be somewhat jarring to witness… And also uncanny to see if the face he wears happens to be a person that someone intimately knows.

He can offer people deals and favors, but he’ll always demand for something in return. It can be something as simple as a valuable material possession, or something of emotional value, it can also be a promise of returning a future favor to him. But it can also be body parts or memories… He’ll never accept money as a form of payment though, he takes it as a personal affront to himself if anyone tries to. It never ends well for those people.

[billlockyer]

What Separates a 401(k) Plan from a Pension Plan

A 401(k) differs from a pension plan in that an employee can contribute to their retirement savings account through payroll deductions. Several employers also offer matching funds. On the other hand, pension plans are retirement accounts sponsored by employers and pay out a set sum of money when the employee retires. Your salary, number of years of service, and other factors will typically determine how much you receive.

It's crucial to comprehend the costs associated with a 401k or pension if you're considering getting one. The main causes of plan expenses are contributions, returns, and management fees. However, additional costs covered by the employer, such as administration and recordkeeping fees, can also impact the cost of a 401k. It would help if you asked for a fee schedule that lists all the costs related to your plan.

Asking about service fees, which vary by fund provider, is also a good idea. Some service providers charge fees for processing tax returns, moving assets between 401(k) plan providers, and other services. A typical pension has a cost advantage of 49% over a typical 401(k)-style retirement account, according to a recent National Institute on Retirement Security analysis. This cost advantage is primarily attributable to lower investment management fees, optimally balanced investment portfolios, and longevity risk pooling.

Employer-sponsored retirement savings vehicles include pensions and 401(k) plans, two distinct types. Even though they are both well-liked, one may be preferable to the other depending on your particular circumstances due to a few differences. A 401k and a pension are fundamentally different because a 401k allows you to choose how your money is invested. Several investment options are available, including stocks, bonds, and mutual funds.

As a defined-benefit plan, a traditional pension lets you know exactly how much money you'll receive each month when you retire. The sum is determined by years of service and past salaries. The benefit is typically paid out in lump sums when you reach a certain age, a process known as vesting, or in monthly payments. However, you won't get the entire sum if you quit your job before becoming vested.

Employees can make pretax contributions to a savings account through an employer-sponsored retirement plan known as a 401(k). Employees are allowed to contribute up to a certain amount each year, and occasionally, employers match the contributions. Unlike a pension funded by the company, a 401k is based on your contributions and investments and promises to pay you a set amount of money over time. The most common kind of tax-deferred retirement account in the US is this one, which is referred to as a "defined contribution" plan.

Similar to a 401(k), pension plans have rules governing how much of your pension is tax-deductible and how much is not. General Rule, which makes use of life expectancy tables, is used to calculate the taxable portion. The general Rule can be found in IRS Publication 939, or the Simplified Method can be applied to determine a more exact figure.

Both a 401k and a pension plan offer a range of investment options. Your financial objectives and current financial situation, among other things, will influence the type of investment that is best for your retirement needs.

Employees can save for retirement through a 401(k), a defined-contribution plan, and benefit from tax breaks on their contributions. Employers frequently match these contributions. A pension plan, however, is better suited for investors who want a lifetime income guarantee after retirement. Government regulations and expert fund managers oversee the management of these plans.

By investing in various asset classes, including stocks and bonds, pension funds seek to diversify their portfolios. Additionally, they can invest in derivatives and alternative investments, reducing the risk of losing money on a single investment.

[onlineecommercestore]

How Cloud Quoting Software Can Benefit Your Business?

Unfortunately, IT products VARs and distributors have inefficient business processes that can lead to broken communication and ultimately lost sales. You can incorporate IT product quote making software into your business to solve this problem. It will not only make your sales process work better, but it will also help your business grow over time.

What is software for IT product quoting?

IT item cloud quoting software is a robotized deal. Software that the outreach group of IT associations utilizes to create tweaked statements of perplexing IT items with suitable evaluating. This software is used by distributors of IT products VARs to select all IT products that meet their requirements and preferences.

To provide flawless quotations, a quotation software automates the entire sales quoting process. Because it helps the sales team come up with precise product combinations and automates the approval processes, it is extremely useful.

Quote management is still largely handled by spreadsheets by a number of businesses. The majority of their time and effort is devoted to obtaining approvals.

As indicated by a report by SoftClouds, around 50% of the deal's time is lost on useless prospecting and mistake remedy.

However, you can speed up even the most intricate quotes to make the entire process more efficient with the assistance of VAR online quote builder.

The following are some of the features of IT product quoting software that help IT VARs speed up the process of creating and approving quotes:

Software that is hosted in the cloud: Sales representatives want to be accessible at all times, so they need easy access to the necessary web quoting tool. The sales team's accessibility, productivity, and efficiency are improved by the

quoting app

. You won't have to spend a lot of money on cloud-based quotation software, which means you'll get a better return on investment over time.

 Strong Integration Capabilities: Because of the possibility of inconsistencies, it becomes difficult for IT product VARs to work with individual systems and related data. However, quotation software has robust integration capabilities that make it possible to integrate a wide variety of applications, including ERP, CRM, eProcurement, accounting, and so on. It increases productivity, reduces data duplication, and ensures an automated flow of data between systems

Accept Payments Easily: In order to guarantee that the online payment procedures are carried out with ease, the

quoting software for small business

used by VARs also supports integration with payment gateways from third parties. Customers are able to complete all of the payment processes at once, which increases the use of quote-to-cash processes

Automated Quote Creation: Only 35.2% of IT sales professionals' time is spent prospecting, building relationships with customers, and selling. The remaining 64.8% of time is spent on routine administrative tasks, complex quotation creation, data entry into the CRM, and other non-sales activities.

Through its customizable quote templates, robust search engine capabilities, integrations, configurations, pricing, and many other features, the IT product quotation software automates the process of creating quotes. Along these lines, you never again need to invest quite a bit of your energy on everyday, manual, and dull undertakings and rather center around shutting the arrangements quicker.

Automated Pricing Management: It becomes challenging to manage product pricing and evaluate competitors as the list of IT products grows. Additionally, you lack real-time pricing information. The primary reason for inaccuracy in the quoting process that affects profit margins is this.

[r-mdigital]

Are Marketers Under Pressure? The AI Revolution and ROI Demands

Hey did you hear marketers are now under a lot of pressure? Are you wondering why? It’s because of AI, yeah you heard me right it's AI! As it revved up the technological sector it is doing to marketing sector the same. Because of AI everyone is asking marketers to show tangible results for every penny spent on marketing channels.

Today, businesses expect to achieve greater results while spending less money, and AI is making this possible. However, in the realm of marketing, this trend can present challenges, as a limited budget often means fewer options and a greater need for niche, detailed budget preparation strategies. This blog explores the challenges and opportunities that modern digital marketers face, the role of AI in this landscape, and how professionals can adapt to stay ahead in this ever-evolving field.

Increasing ROI expectations

More than ever, businesses are examining their marketing expenses to achieve quantifiable and quick outcomes. Marketing teams are under constant pressure to increase conversions, produce leads, and guarantee a good return on investment. 

Why are businesses focusing more on ROIs?

We are currently experiencing a period of economic uncertainty. In light of the recent recession, businesses are emphasizing return on investment (ROI) for each marketing channel. They are looking to reduce budgets and require justification for the potential ROI they can expect from each marketing channel.

Example: Let's say Google Ads is generating 30 leads per month, with a budget of 60000 invested each month. The marketer needs to calculate how much business these 30 leads are bringing to the company so that they can determine whether to continue investing in this marketing channel.

As AI technologies rapidly advance, companies expect AI to be involved in the decision-making process by monitoring performance with precise tracking.

Brands need to outpace competitors and prove their marketing strategies drive actual business growth.

Investors and executives demand transparency and accountability in spending.

How ROI expectations are impacting marketing strategies?

To meet rising ROI expectations, marketing teams must adopt a more analytical and results-oriented approach.

A greater emphasis is on performance metrics like conversion rate, customer acquisition rate, click-through rates, customer life value, and return on ads spent.

Today marketing is driven by data. Marketers need to utilize machine learning to gain deeper insights into consumer behavior. Some analytical tools like Google Analytics, Hubspot, and Tableau can help you track every aspect.

Hyper-personalized campaigns utilizing client segmentation, behavioral targeting, and AI-driven suggestions are replacing generalized marketing initiatives. 

Today businesses are focusing on performance marketing where the payment is based on actual results.

Businesses are reducing spending on ineffective channels and reallocating funds to high-performing ones. 

Rapid Technological Advancements

Automation tools, AI, and machine learning are quickly changing the sector. Although there are many advantages to modern technology, marketers face difficulties as they must constantly learn, adjust, and incorporate new tools into their plans. In a future driven by AI, marketers who don't stay up run the risk of becoming obsolete.

The Impact Of AI and Automation in Marketing

AI enables marketers to understand customer needs an deliver hyper-personalized content that resonates with them. For example Netflix.

With the vast amount of data available, AI and ML assist marketers in analyzing this data to predict market trends, customer preferences, and market demand. They also help optimize ads by segmenting high-performing audiences and improving lead scoring.

Automation in marketing enables marketers to focus on data-driven marketing decisions while AI works on repetitive tasks like scheduling posts on social media channels, AI-powered PPC management, and AI-copywriting.

Data Overload and analysis paralysis

More data is now available to marketers than ever before due to the proliferation of digital platforms. However, it can be quite difficult to organize and comprehend this enormous volume of data. Not all marketers have the advanced skills needed to comprehend consumer behavior, optimize campaigns, and make decisions in real time based on data analytics.

The Explosion of Marketing Data

Marketing channels have expanded and evolved, allowing businesses to connect with their audience through multiple platforms. However, this growth has also created a significant challenge: the vast amount of data generated across these omnichannel markets. Managing, analyzing, and deriving actionable insights from this extensive information has become increasingly difficult.

With so many data points at their disposal, marketers frequently find it difficult to prioritize, which may result in data overload and, in the worst situations, analysis paralysis—a condition in which too much data causes decision-making to stall.

Why DO Marketers Often Struggle With Data-Paralysis?

Lack of data interpretation skills, not every marketer is skilled in statistical modeling, data analytics, or AI-driven insights. Without the right instruction, it becomes challenging to identify meaningful trends, optimize campaigns, and to anticipate customer behavior.

Marketers often track too many KPIs leading to confusion.

Different platforms provide different metrics, and sometimes, data does not align across channels. For example: Google Analytics might show different website traffic than Facebook Ads Manager.

Businesses want marketers to make quick decisions based on data when using AI-driven solutions. However, many marketers lack the sophisticated tools and knowledge needed for real-time analysis.

Evolving Consumer Expectations In The Digital Age

Consumers of today expect smooth interactions across several touchpoints, immediate responses, and personalized experiences. Predictive analytics, hyper-targeted advertisements, and AI-powered chatbots have raised the bar. Marketers need to come up with creative ways to interact with consumers without going overboard.

What Do Modern Consumers Expect?

Customers communicate with brands via a variety of channels, such as websites, social media, mobile applications, email, and in-store visits. Across all of these mediums, they anticipate a cohesive and consistent experience.

Customers expect immediate answers 24/7. Speed is everything in improving customer satisfaction when resolving any issues.

Customers value ethical data use and privacy in addition to individualized experiences. Companies need to reconcile hyper-targeted advertising with avoiding giving consumers the impression that they are being tracked online.

How Have These Expectations Evolved?

AI & Predictive Analytics → Consumers now expect brands to anticipate their needs based on past behavior.

Hyper-Personalized Ads → Targeted advertising on platforms like Google and Facebook has conditioned users to expect relevant recommendations.

E-commerce Giants → Brands like Amazon, Netflix, and Spotify have set high standards for seamless, AI-driven user experiences.

The Digital-First Economy → More consumers prefer online shopping, digital payments, and virtual customer service.

Thriving Amidst AI and ROI Demands: Embracing the Future of Marketing

There is no denying that marketers are under pressure due to the AI revolution and rising ROI demands. AI is a strong ally that, when applied properly, can boost productivity and improve marketing initiatives; it is not the adversary. The secret is striking a balance between human creativity, morality, strategic thinking, and AI-powered automation.

Those who embrace AI while developing their special talents will prosper in this cutthroat environment as marketing continues to change. The ability to successfully manage the AI revolution while preserving the fundamentals of narrative and genuine brand interaction will determine the direction of marketing in the future.

[daashika]

Best online jewellery shop in India

Jewellery has always been an integral part of Indian culture, symbolizing tradition, elegance, and status. Whether for daily wear or special occasions, owning exquisite pieces is a must for every jewellery lover. In recent years, online shopping has made it easier than ever to explore and purchase jewellery from the comfort of home. However, with numerous options available, choosing the Best online jewellery shop in India can be a daunting task.

This guide will help you discover the most reliable, stylish, and affordable jewellery stores online, ensuring you make an informed purchase. Whether you are looking for traditional gold sets, diamond rings, or simple gold earrings for daily use, this article has got you covered.

Why Buy Jewellery Online in India?

Buying jewellery online has several advantages:

Convenience: Shop from anywhere at any time without the hassle of visiting multiple stores.

Variety: Online stores offer a wider range of designs compared to physical stores.

Competitive Pricing: Online jewellery shops often provide better deals and discounts.

Authenticity and Certification: Reputable online jewellers provide proper certifications for gold and diamonds.

Customer Reviews: Get insights from other buyers before making a purchase.

With these benefits, finding the best online jewellery shop in India becomes a rewarding experience.

Features of the Best Online Jewellery Shop in India

To ensure a safe and satisfying shopping experience, here are some essential factors to consider when selecting an online jewellery store:

1. Authenticity and Hallmark Certification

A trusted jewellery shop should offer hallmark-certified gold and certified diamonds to guarantee quality.

2. Wide Range of Jewellery Collections

The store should cater to all preferences, from bridal jewellery to simple gold earrings for daily use.

3. Customization Options

Many premium online jewellery stores provide customization services, allowing you to design your dream jewellery piece.

4. Secure Payment Methods

A reliable online jewellery store should have multiple secure payment options, including credit cards, net banking, and EMI options.

5. Return and Exchange Policy

Look for stores that offer easy returns and exchanges in case the jewellery does not meet your expectations.

6. Customer Support

A dedicated customer support team is essential for addressing any concerns regarding your purchase.

Top 5 Best Online Jewellery Shops in India

1. Tanishq

Tanishq is one of the most renowned jewellery brands in India, offering exquisite gold and diamond jewellery collections. Their online store provides a seamless shopping experience with hallmarked gold and certified diamonds. You can find a variety of jewellery pieces, from wedding sets to simple gold earrings for daily use.

2. CaratLane

A trusted name in online jewellery shopping, CaratLane offers stylish and contemporary designs. Their lightweight jewellery collection makes them an excellent choice for those looking for simple gold earrings for daily use. They also offer a virtual try-on feature, making online shopping easier.

3. Bluestone

Bluestone is another top contender in the best online jewellery shop in India category. They specialize in customizable jewellery, ensuring you get a piece that suits your style. Their “Try at Home” feature allows you to experience the jewellery before making a purchase.

4. PC Jeweller

PC Jeweller offers a stunning collection of gold, diamond, and platinum jewellery. Whether you are searching for bridal jewellery or elegant simple gold earrings for daily use, this store provides great options at competitive prices.

5. Kalyan Jewellers

A well-established name in the jewellery industry, Kalyan Jewellers has an extensive online collection featuring traditional and modern designs. Their transparency in pricing and authenticity makes them a preferred choice.

Best Jewellery to Buy Online in India

1. Gold Jewellery

Gold jewellery remains the most popular choice in India. Whether you are looking for heavy bridal sets or simple gold earrings for daily use, the best online jewellery shop in India will have something for everyone.

2. Diamond Jewellery

From engagement rings to delicate pendants, diamond jewellery adds a touch of elegance to any outfit.

3. Platinum Jewellery

For those who love something unique, platinum jewellery is a great investment.

4. Silver Jewellery

Silver jewellery is gaining popularity for its affordability and trendy designs.

How to Choose Simple Gold Earrings for Daily Use

If you are looking for simple gold earrings for daily use, here are some factors to keep in mind:

1. Weight and Comfort

Choose lightweight designs that won’t feel heavy on your ears.

2. Gold Purity

Opt for 18K or 22K gold earrings for better durability and elegance.

3. Secure Locking Mechanism

Ensure that the earrings have a sturdy clasp to prevent them from falling off.

4. Design Preferences

Studs, hoops, and small drop earrings are ideal choices for daily wear.

Several stores offer simple gold earrings for daily use in various price ranges, ensuring you get both style and affordability.

Tips for Buying Jewellery Online

1. Read Customer Reviews

Check ratings and reviews before making a purchase.

2. Compare Prices

Different websites may offer the same design at different prices, so compare before buying.

3. Check Return Policy

Ensure that the store has a flexible return or exchange policy.

4. Verify Certifications

Always buy certified jewellery to ensure authenticity.

5. Look for Discounts and Offers

Many online jewellery stores offer festive discounts and cashback deals.

Conclusion

Finding the best online jewellery shop in India is now easier than ever. With brands like Tanishq, CaratLane, Bluestone, and more, you have access to high-quality jewellery at competitive prices. Whether you’re shopping for bridal jewellery, statement pieces, or simple gold earrings for daily use, these online stores offer a seamless shopping experience.

With secure payment options, authenticity guarantees, and easy return policies, online jewellery shopping is a hassle-free and rewarding experience. So, start exploring and adorn yourself with the finest jewellery from the best online jewellery shop in India today!

[dcghee1]

Buffalo Desi Ghee Price 1kg – Compare & Buy Online

When it comes to purity, taste, and health benefits, DCGhee is a trusted name in the market for premium-quality desi ghee. If you're looking for the best buffalo desi ghee price 1kg, you've come to the right place. Our online store provides an easy and convenient way to compare different brands, ensuring that you get the best value for your money. Whether you are a homemaker, a fitness enthusiast, or someone who loves the rich aroma of traditional ghee, our range of buffalo desi ghee will meet all your needs.

Why Choose Buffalo Desi Ghee?

Buffalo desi ghee is known for its high nutritional value, rich taste, and numerous health benefits. Unlike regular cow ghee, buffalo cow ghee has a thicker consistency and a stronger flavor, making it a preferred choice for cooking, baking, and even medicinal uses. It is packed with essential vitamins, minerals, and antioxidants that promote better digestion, stronger immunity, and improved heart health. Additionally, the higher fat content in pure desi buffalo ghee makes it an excellent energy source, particularly for those following a high-fat or keto diet.

Comparing Buffalo Desi Ghee Price 1kg Online

Buying buffalo desi ghee price 1kg online allows you to compare prices from different brands and retailers. At DCGhee, we ensure that you get the best possible deal by providing competitive pricing without compromising on quality. Our ghee is sourced from healthy buffaloes, ensuring that every spoonful delivers the authentic taste and nutrition of traditionally prepared desi ghee. By shopping online, you also benefit from doorstep delivery, easy returns, and special discounts that may not be available in local stores.

When comparing the price of pure desi buffalo ghee, consider factors such as purity, ingredients, and customer reviews. Some brands may offer lower prices but compromise on quality by adding preservatives or artificial flavors. At DCGhee, we guarantee 100% natural buffalo cow ghee, free from chemicals or additives, ensuring that you get a product that is both healthy and delicious.

Benefits of Buying from DCGhee

At DCGhee, we prioritize quality and customer satisfaction. Our buffalo desi ghee is prepared using traditional methods to retain its authentic taste, aroma, and nutritional benefits. We follow strict quality control measures to ensure that our customers receive only the best. Our online platform provides detailed product descriptions, customer reviews, and price comparisons, making your shopping experience seamless and transparent. Whether you are purchasing for daily cooking, religious rituals, or medicinal use, we have the right ghee for you.

Additionally, we frequently offer special discounts and bulk purchase deals, making it easier for you to buy high-quality ghee at the most affordable rates. With our secure payment options and reliable delivery services, shopping for buffalo desi ghee price 1kg has never been easier.

Conclusion

Finding the best buffalo desi ghee price 1kg online is all about choosing quality over cost. While price comparisons are essential, ensuring that you buy pure and natural ghee is equally important. DCGhee provides high-quality pure desi buffalo ghee that meets all your dietary and health requirements. With our easy-to-use online platform, you can compare prices, read reviews, and make an informed purchase. Experience the richness of traditional buffalo cow ghee by shopping with DCGhee today!

[hansoncompanies]

Medium Term Note: A Flexible Investment Tool for Global Finance

In the evolving landscape of global finance, a Medium Term Note (MTN) has emerged as a strategic debt instrument that facilitates corporate funding, investment opportunities, and financial liquidity. The Hanson Group of Companies specializes in MTNs, providing tailored financial solutions to investors, businesses, and institutions seeking secure and structured funding options.

Understanding Medium Term Notes (MTNs)

A Medium Term Note is a form of debt security that typically matures in 5 to 10 years. It is issued periodically and can be structured to meet the financial needs of corporations, banks, and investors. Unlike traditional bonds, MTNs provide flexibility in issuance and allow issuers to raise capital in tranches over time.

At The Hanson Group of Companies, we guide clients through the complexities of MTN issuance and investment, ensuring a seamless experience in the financial marketplace. Our expertise in structured finance allows businesses to maximize the benefits of MTNs while mitigating risks associated with long-term commitments.

Key Features of Medium Term Notes

Flexible Maturity Period: Typically ranging from 5 to 10 years, allowing businesses to plan their financial strategies effectively.

Customization: MTNs can be structured with different interest rates, currencies, and payout schedules.

Market Accessibility: Offers global market participation, providing access to capital from international investors.

Liquidity: Can be traded in secondary markets, making them attractive for investors seeking flexible exit strategies.

Risk Management: Issuers can hedge risks through structured agreements, ensuring financial stability.

Medium Term Notes vs. Other Financial Instruments

While MTNs serve as a vital financing tool, they differ from other financial instruments like leasing BG, standby letters of credit (SBLCs), and custodial bank safe keeping receipts (SKRs). Understanding these differences is essential for businesses looking to optimize their financial portfolios.

Leasing BG (Bank Guarantee): A bank guarantee ensures that obligations are met in a transaction. Unlike MTNs, which provide direct funding, a leased BG serves as collateral or a security instrument.

Standby Letter of Credit (SBLC): Similar to a bank guarantee, an SBLC Standby Letter of Credit acts as a financial backup, ensuring payment in case of default. MTNs, however, are directly issued debt securities used for financing purposes.

Custodial Bank Safe Keeping Receipt (SKR): An SKR is a document verifying that an asset is held in safekeeping by a bank or financial institution. MTNs, on the other hand, are tradable securities that generate returns through interest payments.

BG SBLC Providers: These entities facilitate the issuance of BGs and SBLCs, ensuring financial transactions are secured. While MTNs focus on investment and debt financing, BG SBLC providers offer instruments to back financial commitments.

Benefits of Investing in Medium Term Notes

For businesses and investors, Medium Term Notes offer multiple advantages, including:

Stable Returns: MTNs provide a steady stream of income through interest payments, making them a reliable investment option.

Diversification: They allow investors to spread their financial risks across different markets and instruments.

Cost-Effective Financing: Companies can issue MTNs at competitive interest rates compared to traditional bank loans.

Regulatory Compliance: MTNs are structured in compliance with international financial regulations, ensuring transparency and security.

Institutional Appeal: Many institutional investors, such as pension funds and hedge funds, prefer MTNs due to their structured nature and market stability.

The Hanson Group of Companies: Your Trusted MTN Partner

At The Hanson Group of Companies, we provide expert guidance in Medium Term Note issuance, investment strategies, and financial structuring. Our team ensures that clients maximize their investment potential while navigating the complexities of global finance. Whether you are an issuer seeking capital or an investor looking for secure financial instruments, we offer tailored solutions to meet your objectives. Contact us today to explore how Medium Term Notes can enhance your financial portfolio and secure long-term growth. Follow for more updates us on Facebook, Twitter, Pinterest and Linkedin.