AUGUST 2014 A JOURNAL BY AND FOR DAIMLER FINANCIAL SERVICES BIG. data

Size: px
Start display at page:

Download "AUGUST 2014 A JOURNAL BY AND FOR DAIMLER FINANCIAL SERVICES BIG. data"

Transcription

1 AUGUST 2014 A JOURNAL BY AND FOR DAIMLER FINANCIAL SERVICES BIG data 4 6 The power of data Whether it s the creditworthiness of a bank s customers or the networking of cars for insurance purposes, the tracks we leave behind us every day in the Web are also becoming increasingly valuable to providers of financial services The force of habit In many parts of China, people still pay cash for all of their purchases, and financial services are practically unknown. Certain prerequisites must be met before DFS can establish its financing products and hire the right employees for its business operations.

2 2 AUGUST 2014 Financial INSIGHTS LETTER FROM THE EDITOR Dear readers, Vacation at last! And where are you planning to go this year? You don t know yet? Well, you re in luck. The friendly employees at the travel agency already know the perfect travel destination for you, including the right schedule and your family s individual hobbies without resorting to tarot cards or a crystal ball. Are you skeptical? Predictive analytics in other words, the large-scale collection of online data make this possible, at least in theory. On pages 4 to 6, you can find out why your online information leaves deeper tracks than your feet could ever do in the sandy beach of your dreams. Pleasant reading! The editorial team

3 Financial INSIGHTS AUGUST CONTENTS By land and by water. >> Pages 8 10 Wallenius Wilhelmsen Logistics transports everything that rolls to destinations all over the world. That s why this company keeps its truck fleet ever young thanks to Daimler Financial Services and CharterWay. 02 Letter from the editor 03 Table of contents 04 Spotlight: Big Data Collecting data is becoming essential for financial services providers too. 06 Opinion: Pro & con Brave new data world. 07 Did you know? 60 seconds for asset-backed securities. 08 Customers: Wallenius Wilhelmsen Logistics. 11 Quarterly result: An excellent second quarter for DFS. 12 Cash customers: New business in China having the right employees is crucial. 14 Major project, Part 2: Nexus three in one. The right attitude convinces customers. >>Pages Many Chinese customers believe that Cash is king. In order to persuade them that leasing and financing are also good options, we need not only the right marketing strategy but also the right employees. 16 DFS up close: Dae Oh, the dancing contract manager in Korea. 17 Birthday: Daimler Truck Financial turns Global village: A visit to Sweden. 19 News from around the world 20 New model: The C-Class Estate from Mercedes-Benz. 22 This and that: A plea for courageous individuality questions for... Dieter Buhl talks about women s handball. A gala birthday for Daimler Truck Financial. >> Page 17 A lot has changed in the past four decades, but one thing has remained the same: customer-friendliness and strong partnerships are still the foundation of business operations at Daimler Truck Financial.

4 4 AUGUST 2014 Financial INSIGHTS SPOTLIGHT I know what you did next Everything you always wanted to know about big data and why Predictive Analytics become increasingly important for Daimler Financial Services. Michael T. is completely amazed. He ordered a new pair of running shoes on the Internet only a few hours ago, but already the doorbell is ringing and outside there s a delivery man holding a package with the sneakers under his arm. What may sound like science fiction to many is already possible today. At the beginning of this year, for example, the online retailer Amazon patented a procedure known as anticipatory shipping that involves sending merchandise to customers before they actually order it. Digital traces This type of business model is made possible by big-data systems technologies that use mathematical calculations to derive probabilities from huge amounts of information. The ingredients for this recipe consist of all the information we as consumers leave behind every day on Facebook and Google, in supermarkets with our discount cards, and in the sensors and apps in our smartphones. When such data is bundled and analyzed, all of these supposedly unconnected bits of information can yield surprisingly accurate predictions about our future behavior. These predictive analytics are worth their weight in gold for businesses, since they can be used to precisely align products and services with the individual wishes of customers. For example, Amazon uses systems that register how long customers keep the cursor on a certain product, and also whether or Big data everywhere: Smartphone data can be used to predict our future location. The information we leave with our product search on the internet can be used to calculate the likelihood that we will order a specific product. not they read product reviews. This information can be used to calculate the likelihood that a customer will order a specific product. If the system determines that a customer can be expected to order a product, the merchandise will be packed and sent to a logistics center near the customer s home. Retailers and telecommunication companies are the pioneers of the new world of big data. The U.S. retailer Walmart, for example, examines its customers social network contacts. It then uses this information to offer customers gift recommendations for a friend s birthday. The music industry also relies on big data. Record companies that participate in the Spotify music streaming service collect data about the people who listen to their songs in order to identify the cities in which their musicians enjoy the greatest popularity. They then schedule concert locations accordingly. The online TV series House of Cards is also based on data analysis. The producers of this political thriller used data about the popularity of certain actors to make their casting decisions and also collected information about topics of interest to potential viewers. This approach was very successful and resulted in record ratings for the series. Manhunt 2.0 The significance of big data extends far beyond business and commercial interests. For example, police departments in some American cities use big data to determine in which neighborhoods crimes are likely to be committed at which times of day. Such predictive policing has led to an approximately 30 percent decrease in crime in Memphis, Tennessee. Smartphone data can actually be used to predict the future location of a phone s owner. Here the combination of GPS data and the information stored in a phone (call lists, phone books, etc.) can be fed into a program that will then calculate where a person might be in a week, or even a year. If data from that person s social network friends is also available, the resulting prediction can be narrowed down to three meters. In view of these developments, experts have begun talking about the end of coincidence and with good reason. For example, we ve already grown accustomed to the fact that when we use Google, the search engine will automatically complete our question even before we finish typing the first word.

5 SPOTLIGHT Financial INSIGHTS AUGUST summer! Big data is also changing the way Daimler Financial Services conducts its vehicle financing business operations. Today it s no longer possible to imagine the financial services sector or the automotive industry without predictive analytics. In the financial services sector, startup companies such as Kreditech (see box) are already adopting completely new approaches to assessing consumers creditworthiness. Automobiles are becoming more and more networked practically every day, and in the process they are being transformed into data collectors on wheels. By the time the EU regulation for the new ecall* feature goes into effect in October 2015, automobiles in Europe will have become data generators. According to the British consulting firm Machina Research, nine out of ten vehicles will probably be networked by the end of this decade. By contrast, only ten percent of all vehicles have such connectivity features today. A global survey conducted by the Gartner market research company found that far more than half of the insurance companies surveyed have already invested in the expansion of big-data technology. Big Data as success factor The proper use and administration of big data will therefore become a key factor of success at Daimler Financial Services as well. As a result, the company is actively addressing the issue. The idea Using DFS Smartly was submitted to the myidea. platform back in The goal behind the concept is to link data and then analyze it to develop attractive solutions for our customers. Using DFS Smartly has since then led to the creation of the Business Analytics project. Within the framework of this project, several million data sets that include demographic and financial information about European markets and market segments have already been bundled together in Europe. The intelligent use of this data leads to a better understanding of customers needs, and this information can in turn be used to create customized products and services. During recent months, a team has been commissioned by the Board of Management to examine the further opportunities and potential offered by big data. For example, big data concerning driving styles could lead to the creation of completely new car insurance models. Telematics systems can enable insurance companies to offer discounts to drivers who operate their vehicles safely, says Dr. Ingo Telschow, Managing Director of Daimler Insurance Services GmbH. As a result, rates could also be matched more accurately to the actual risk associated with each driver. The type of Group-wide data management system Daimler ultimately implements will play a decisive role in future developments. After all, customer data is generated not only at DFS but also at many other Group divisions. That s one of the reasons why DFS activities in this area are linked as closely as possible with those of the brand partner. For example, DFS has been involved in the Finance me and Move me systems at the Mercedes.me online portal from the very beginning. Data security and protection are also being actively addressed, since customer acceptance of big-data applications requires complete trust in the way the company manages its data. Example: Kreditech One company that is using big data very successfuly is the Hamburg-based Kreditech mini-credit platform. This platform offers an alternative to the established Schufa credit rating agency by calculating the creditworthiness of applicants on the basis of its own social scoring system. The concept is very simple. The more data that is available about a customer, the more accurate will be the prediction of that person s future payment history and the more precise will be the calculation of the appropriate credit line. The social scoring system utilizes data from evaluations (e.g. ebay), business portals and Facebook. Kreditech also collects and assesses information about the hardware used by applicants to submit their application (e.g. ipad, desktop computer), how much time it takes them to fill out the application form, and the number of times they hit the backspace button or make mistakes. The company processes up to 8,000 individual bits of information in this manner before making a credit decision. The potential of this startup is huge; the company has already taken in several million euros from interested investors in the initial rounds of venture capital financing. *ecall (emergency call) In the event of a serious accident, the vehicle(s) involved will automatically send location data to an emergency call center via satellite and also establish a telephone connection with a call center operator. An EU regulation stipulates the mandatory installation of an ecall system in all new passenger cars and light trucks beginning in October 2015.

6 6 AUGUST 2014 Financial INSIGHTS SPOTLIGHT Brave new data world George Orwell saw it coming more than 60 years ago, when he famously described it in his novel We are being watched without even knowing it, more often than not. The data collected about us opens up huge opportunities. Blessing or curse? Consider the following two opinions. Pro Data, data everyone s always talking about data and Big Brother. I ve been collecting shopping bonus points for years now. What s the big deal? What do you think they ve been doing with all that information about what I buy and when? Do you know what I think? They re not doing much with it. I haven t noticed anything, anyhow. What I have noticed, however, is that my bonus points have given me several rewards. And even if companies send me unsolicited customized offers generated on the basis of the traces I leave behind on the Web or anywhere else who cares? If such offers are tailored to my preferences, they not only save me time and money, they also save money for the companies that can now optimize their products faster in line with my needs. And I just don t buy the argument that my data could be hijacked by criminals. In my opinion, I ve got a better chance of having a soccer ball land on my head in a fully occupied stadium. I ve got nothing to hide, and people who are up to no good are being caught much more often these days. Let s admit it: In the end, data is just data. It certainly doesn t change my personality. Con You might remember that several years ago there were protests against video surveillance on public streets and that the demonstrations were unsuccessful. Our images are stored even if we re not pickpockets, and the number of cameras out there is growing under the pretext that they are needed to fight crime. Even more disturbing is the fact that every click we make on the Web is stored somewhere out there in the giant data world. When I use my ATM card, the process is not only recorded but also interpreted and when I use the card in a store, I give out all kinds of information about my consumption habits. It s crazy! I haven t done anything wrong and that makes my privacy even more important to me. It s also not too difficult for unauthorized third parties to access my data and use my identity to do whatever they want to on the Web. Where do you think all this collection of data is leading to? Exactly! We re already at the mercy of nearly automated processes, which means it s becoming possible to control and manipulate us. Science fiction is becoming a frightening reality.

7 ECONOMY & BUSINESS Financial INSIGHTS AUGUST seconds for Asset-backed Securities Because Daimler Financial Services supports the Group s model offensive, it will finance or lease even more cars and commercial vehicles in the future. DFS expects to greatly increase its contract volume in the years ahead. However, this also poses a challenge, because the money DFS lends to customers must first borrowed from someone else. To do this, Daimler takes out loans for DFS from banks and issues bonds. In Germany, Mercedes-Benz Bank helps to refinance DFS by offering investment opportunities for private customers. Recently DFS has also been increasingly focusing on another refinancing tool: asset-backed securities (ABS). But what are they exactly? Asset-backed securities are receivables (such as those from ongoing financing contracts) that are sold to a company that has been established expressly for this purpose. The company converts these assets into securities, which it then sells to major investors such as insurance companies and money-market funds. During the term of the securities, the investors are not only paid interest on the capital they provided but also get their investment back in monthly installments. The main advantage of ABS for DFS is that whereas income from existing leasing or financing contracts is normally earned over an extended period of time, asset-backed securities immediately provide the company with lots of cash, which it can use as a basis for financing new business and thus for additional growth. A further advantage of asset-backed securities is that their terms are generally more favorable for DFS than is the case with conventional bank loans. However, a lot of work is needed to create the infrastructure for the sale of the assets and for regular reporting to the investors. ABS are used in many different sectors for example, credit card companies sell their receivables, and soccer clubs sell their future stadium income. Daimler Financial Services is already using ABS in Germany, Canada and the U.S. For example, Mercedes- Benz Bank s Silver Arrow 4 ABS deal resulted in the quick availability of 1 billion, which was realized from the sale of loan contract receivables at the end of As part of its growth strategy, DFS might employ this instrument in additional countries in the future. ABS are particularly appealing in economically difficult times, when other means of obtaining money, such as bank loans and bonds, are associated with high costs.

8 8 AUGUST 2014 Financial INSIGHTS ECONOMY & BUSINESS Piggyback Whenever Siegfried Krause crosses the Rhine River at the Iffezheim barrage near Baden-Baden, he feels he is returning to his second homeland. I travel through France all the time. Sometimes I know more about the weather along the Côte d Azur than about the weather outside my own home, says Krause, a truck driver from Bretten in Baden-Württemberg, with a smile. As he talks, his Actros 1848 passes the first French street signs. Krause has three ex works tractors securely tied down on his semitrailer. Krause is one of the approximately 5,700 employees of Wallenius Wilhelmsen Logistics. The present company is the result of the fusion of two Scandinavian shipping lines in Its core business is the provision of global transport and logistics solutions for manufacturers of cars, commercial vehicles, buses, and construction and agricultural machines. Its customers include almost all vehicle manufacturers, as well as car rental companies and operators of large vehicle fleets. In 2013 the company transported approximately six million vehicles in all. Wallenius Wilhelmsen has a fleet of roll-on/roll-off ships for intercontinental transportation. We manage the transshipment via our own 11 terminals, says Konrad Kurz, the company s Vice President responsible for the operation of the terminals and for land transportation via trains and trucks in the Europe business region. We use approximately 310 trucks in Europe alone, says Michael Berblinger, Director Transport & Logistics. The interview with these two managers is held in Ötigheim, Baden-Württemberg, from where half of the company s trucks in Europe are dispatched. The trucks often transport goods from a plant to a dealer. For example, Siegfried Krause loaded the tractors at their manufacturer in Mannheim and is bringing them to agricultural machinery dealers in Alsace-Lorraine. Other truck routes take goods to or from ships for transshipment, says Berblinger. Trucks from Germany often come to our terminal in Zeebrugge, Belgium, he says. For their return trip, they load vehicles that have been brought to the terminal by ship. Wallenius Wilhelmsen also provides technical services for many manufacturers. That includes initial inspections of ex works vehicles or small alterations made before vehicles are exported to certain countries, for example, Kurz explains. This kind of work is done at processing centers, which are located either in the terminals or on the manufacturers premises. In some cases the processing centers are located on independent sites, and that requires additional transport. This wide variety of tasks means that the fleet has to be administered with maximum efficiency. One of the ways Wallenius Wilhelmsen achieves this degree of efficiency >> From cars to agricultural machinery: Wallenius Wilhelmsen transports vehicles of all kinds and sizes shown here are vehicles being carried from the Mannheim plant to dealers in Alsace. France is his second home: Siegfried Krause mainly delivers goods to customers in France, and he is often on the road for days on end. New Actros tractor: WalleniusWilhelmsen employs more than 300 trucks in Europe most of them bear the Mercedes star.

9 ECONOMY & BUSINESS Financial INSIGHTS AUGUST Wallenius Wilhelmsen Logistics transports everything that rolls on ships and trucks, and with a great deal of logistical effort. So it s very important for this services provider to keep the administration of its truck fleet lean thanks to Daimler Financial Services and CharterWay.

10 10 AUGUST 2014 Financial INSIGHTS ECONOMY & BUSINESS is thanks to its cooperation with Mercedes-Benz Bank. Trucks bearing the Mercedes star make up the major part of the company s fleet, and for years now all of them have been procured with the help of Daimler Financial Services (DFS). Flexibility is especially important for us, and we ve got it with DFS, says Kurz. He s referring to the various procurement models that are available to DFS customers and to the flexible structuring of contracts, especially their duration. Last year Wallenius Wilhelmsen used leasing contracts to integrate almost 40 new Actros tractor-trailers and car transporters all of them equipped with Euro VI engines into its fleets in Germany and Poland. For a fleet that is distributed across several countries, we have the advantage of operating internationally through our national subsidiaries, says Fritz- Martin Hüttemann, a leasing and financing advisor at Mercedes-Benz Bank who has been working together for years with the decision-makers at Wallenius Wilhelmsen. The company also relies on Mercedes-Benz for maintenance and repairs, and it uses CharterWay Service Complete for all of its trucks. We keep our fleet young. At the moment, the average age of our trucks is 1.7 years, and we resell our trucks after five years at the most, Berblinger explains. This policy reduces the number of days the trucks spend at the workshop, and the trucks high quality is maintained. If there is ever a problem, we can depend on the dense network of Mercedes-Benz workshops, he adds. The network stretches throughout Europe, and that is very reassuring for Siegfried Krause and his colleagues, whether they re working on the Côte d Azur or somewhere else on the continent. An experienced team: Michael Berblinger and Konrad Kurz from Wallenius Wilhelmsen Logistics with their advisor Fritz-Martin Hüttemann from Mercedes-Benz Bank (left to right). The Wallenius Wilhelmsen company s fleet comprises 60 ships of its own. It has access to a further 70 ships thanks to a holding in another company.

11 ECONOMY & BUSINESS Financial INSIGHTS AUGUST Further growth In the second quarter of 2014, new business at DFS grew by 12% compared to the same period of last year. In the second quarter, Daimler Financial Services concluded around 328,000 new leasing and financing contracts worth a total of 11.5 billion. As a result, the company s new business rose by 12% compared to the same period of last year. Contract volume reached 88.1 billion at the end of June, representing a 5% increase on the figure at the end of EBIT amounted to 336 million (Q2 2013: 319 million). In Europe, DFS concluded around 181,000 new leasing and financing contracts worth a total of 5.6 billion a 9% increase on the same quarter of last year. In Germany, new business rose to 2.7 billion (+4%) at Mercedes-Benz Bank, and the volume of deposits in the direct banking business amounted to 11.2 billion (-1%). Contract volume reached 38.6 billion in Europe at the end of June, representing an increase of 4% compared to the end of In the Americas, DFS boosted its new business by 10% to 4.2 billion. In the U.S., this figure rose by 16%. Contract volume in the region amounted to 36.6 billion, an increase of 6% over the level reached at the end of last year. New business rose by 28% to 1.7 billion in the Africa & Asia/Pacific region. In China, Business development Q (30.06.) New business (in millions of ) + 12% 11,515 10, Contract volume (in millions of ) +8% 88,084 81, EBIT (in millions of ) +5% the company more than doubled the value of its newly concluded financing and leasing contracts, increasing their volume by 140% compared to the second quarter of The AAP region s contract volume amounted to 12.7 billion at the end of June, and was thus 10% higher than at the end of In the insurance business, DFS brokered 1% more vehicle-linked policies in the second quarter than in the same period of last year. During this period, the company concluded around 340,000 insurance contracts worldwide. In the second quarter, the flexible mobility concept car2go was launched in Florence, Italy, and in South Bay, Los Angeles County. At the end of May car2go withdrew from its two British locations, London and Birmingham. As a result, car2go was represented in 26 cities at the end of June. car2go had 780,000 customers worldwide at the end of the second quarter an increase of more than 30% since the end of Digital wave of success mymbfs App reaches milestone of 100,000 downloads. Daimler Financial Services Africa & Asia Pacific has reached an important milestone with over 100,000 downloads of the popular mymbfs App to date. The mymbfs App allows users to locate the nearest Mercedes-Benz dealer, contact a customer service representative, determine a monthly payment amount on a Mercedes-Benz of their choice and see current promotions from DFS AAP. Another key achievement was the near 250,000 unique visitors to the industry-leading Financial Calculator in just over five months. The mobile device-friendly calculators allow users to easily browse vehicles of their choice and find out the monthly finance or leasing rate all at the tip of their fingers. Looking forward, DFS will continue to enhance its digital offerings. Plans to integrate the mymbfs App with online account management are currently being rolled out across the region. This will give existing customers the added ability to manage their automotive financing in a secure manner from any smartphone or tablet device.

12 12 AUGUST 2014 Financial INSIGHTS ECONOMY & BUSINESS The right people with the right mindset In the automotive industry, you cannot say growth without saying China. China is a market of 1.3 billion people that has seen luxury vehicle sales increase more than tenfold in the past 10 years. With future predictions only seeing this development continuing, managing this growth will be the key to being successful in China. Today, everyone at Daimler knows the importance of China. In the past ten years alone, Daimler s passenger car sales grew from just over 8,000 to more than 200,000 per year. If this growth continues China is set to become the largest vehicle sales market in the world for Daimler. The story is similar when it comes to Financial Services: Between 2006 and 2013, the portfolio in China increased from 81 million euros to 2.6 billion euros, making it the sixth largest market for DFS. This growth not only creates tremendous opportunities for our business. It also brings a unique set of challenges, says Alexandre Mallmann, President and CEO of Mercedes-Benz Auto Finance Limited. One of these challenges is trying to change customers buying preferences. Traditionally, China has been an ownership market where customers prefer to pay cash. As

13 ECONOMY & BUSINESS Financial INSIGHTS AUGUST the market grows, customers are becoming more open to financing with a preference toward retail financing solutions that focus on ownership. This is why leasing is a relatively new concept in China. In fact, two years ago it was MBAFC that became the first auto finance company in China to launch a dedicated leasing company (Mercedes-Benz Leasing Company). This year they became the first auto finance company to launch a nationwide leasing product called Agility that gives customers the option to either purchase, trade-in or return their vehicle at contract end. With credit acceptance increasing among the younger generation, it allows us to introduce new and innovative financing products like Agility, says Mallmann. But we know this way of financing is a new concept for our customers and dealers so we need to take extra time and effort to educate them so they understand the benefits of a product that does not always end with owning the vehicle. Trying to change an entire population s way of thinking about vehicle financing is no easy task. But by introducing a game changing way of financing vehicles, MBAFC hopes to capitalize on the younger customers and open up financing to an entire new market of customers. Obviously, it takes a great team to manage this growth while continuing to meet customer needs. As Alexandre Mallmann puts it: I am a strong believer in having the right person in the right position with the right mindset. But the auto finance industry in China is still young and it is growing quickly. Ten years ago, there were only a handful of auto finance companies in China today, there are more than double, plus increased competition from banks and other financial institutions. All that means that the competition for talent is increasing and finding the right people with the right education and work experience is not as easy as in a market where financial services have been around for many years. As a result, the workforce at MBAFC is very diverse: On the one hand, there are local Chinese employees who, like the market, are relatively new to the auto financing business, but who are eager and willing to lead the change with passion and local insights. On the other hand, there are foreigners from ten different MBAFC became the first auto finance company in China to launch a dedicated leasing company. Aim is to open up financing to an entire new market of customers with innovative leasing and financing products. countries who offer experience from other markets that support managing the challenges that come from developing an emerging market into a mature one. Accordingly, there is a strong emphasis on team development at MBAFC. Many initiatives have been introduced to ensure they are retaining and developing their top talents as they prepare to become one of the top markets in the world for DFS. It is important that we all work together to create a common mindset. We need to appreciate our differences and use them to come together as one team to achieve great results, says Mallmann

A variety of services for the driver, fleet management and haulage commissioning: Daimler at the transport logistic 2015 trade show

A variety of services for the driver, fleet management and haulage commissioning: Daimler at the transport logistic 2015 trade show Press-Information A variety of services for the driver, fleet management and haulage commissioning: Daimler at the transport logistic 2015 trade show April 20, 2015 FleetBoard: the key to boosting competitive

More information

Creating value added. As the best financial services provider for our customers and dealers.

Creating value added. As the best financial services provider for our customers and dealers. Creating value added. As the best financial services provider for our customers and dealers. Daimler Financial Services AG 10875 Berlin, Germany www.daimler-financialservices.com A Daimler Company Daimler

More information

Mercedes-Benz Bank at a Glance

Mercedes-Benz Bank at a Glance Mercedes-Benz Bank at a Glance 2015 Edition Foreword For Mercedes-Benz Bank, 2014 was a record year in every way. Together with our three European branches, we increased our contract volume to over 20

More information

Changing the shape of British retirement. www.homewise.co.uk

Changing the shape of British retirement. www.homewise.co.uk Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting

More information

5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC

5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC 5 Secrets to Wealth Every Woman Needs To Know To Be Financially Free By Nancy L. Gaines, Founder Women Gaining Wealth, LLC Thank you for requesting this free report and taking steps toward your own financial

More information

Auto-responders: NEW JERSEY AUTO AUCTION

Auto-responders: NEW JERSEY AUTO AUCTION Auto-responders: NEW JERSEY AUTO AUCTION # 1 Trade Ins Hi Bob, Do you have a car or truck to trade in? If so, you ve come to the right place. The accepts all kinds of trade ins and offers top dollar for

More information

Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve

Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve What does financial freedom mean to you? Does it mean freedom from having to work, yet still being able to enjoy life without

More information

Financial services that carry the load. Finance, leasing and insurance for commercial vehicles.

Financial services that carry the load. Finance, leasing and insurance for commercial vehicles. Financial services that carry the load. Finance, leasing and insurance for commercial vehicles. Contents Leasing 4 Finance 6 Insurance 10 Fleet Services 12 We make sure the road ahead is clear on the way

More information

Getting ahead online. your guide to. GOL412_GBBO brochure_aw5.indd 1 10/2/10 10:10:01

Getting ahead online. your guide to. GOL412_GBBO brochure_aw5.indd 1 10/2/10 10:10:01 1 Getting ahead online your guide to GOL412_GBBO brochure_aw5.indd 1 10/2/10 10:10:01 2 Welcome to Getting British Business Online Whether you re totally new to the Internet or already have a website,

More information

YOUR QUESTIONS ANSWERED. A Practical Guide to VoIP for Small Businesses

YOUR QUESTIONS ANSWERED. A Practical Guide to VoIP for Small Businesses YOUR QUESTIONS ANSWERED A Practical Guide to VoIP for Small Businesses FACING UP TO THE CHALLENGES. 1 What you need to know. Now. Your business is growing. Your customers expect great service. Your employees

More information

Corporate Incentives - 10 Reasons Why Gift Cards are More Compelling than Cash

Corporate Incentives - 10 Reasons Why Gift Cards are More Compelling than Cash Corporate Incentives - 10 Reasons Why Gift Cards are More Compelling than Cash Trophy value, desirability, and ease of program administration lead benefits. Number one in popularity for corporate incentives,

More information

ONE DOLLAR AND EIGHTY-SEVEN CENTS.

ONE DOLLAR AND EIGHTY-SEVEN CENTS. T h e G i f t o f t h e M a g i p T h e G i f t o f t h e M a g i ONE DOLLAR AND EIGHTY-SEVEN CENTS. That was all. She had put it aside, one cent and then another and then another, in her careful buying

More information

Member of the Divisional Board Mercedes-Benz Cars, responsible for Marketing & Sales

Member of the Divisional Board Mercedes-Benz Cars, responsible for Marketing & Sales An interview with Ola Källenius Member of the Divisional Board Mercedes-Benz Cars, responsible for Marketing & Sales Where Digital Meets Physical: Mercedes-Benz and the Seamless Customer Experience Transform

More information

CASE STUDY: IIS GIVES A GLOBAL BEAUTY AND FASHION COMPANY AN IT MAKE-OVER MISSION ACCOMPLISHED

CASE STUDY: IIS GIVES A GLOBAL BEAUTY AND FASHION COMPANY AN IT MAKE-OVER MISSION ACCOMPLISHED CASE STUDY: IIS GIVES A GLOBAL BEAUTY AND FASHION COMPANY AN IT MAKE-OVER MISSION ACCOMPLISHED IIS GIVES A GLOBAL BEAUTY AND FASHION COMPANY AN IT MAKE-OVER IIS is a long-time trusted resource to one of

More information

SAFETY FIRST. Useful security tips and current consumer information on the online payment method paysafecard

SAFETY FIRST. Useful security tips and current consumer information on the online payment method paysafecard SAFETY FIRST Useful security tips and current consumer information on the online payment method paysafecard 1 paysafecard: Paying online safely. Every day, tens of thousands of people pay quickly and

More information

Buying a Car. A Car Means Convenience. Which Car is Right for You?

Buying a Car. A Car Means Convenience. Which Car is Right for You? Buying a Car A Car Means Convenience It s Wednesday morning and you are sleeping soundly, dreaming about that Hawaiian vacation you d like to take. Suddenly you hear, instead of ocean waves, a loud buzz.

More information

White Paper. Are SaaS and Cloud Computing Your Best Bets?

White Paper. Are SaaS and Cloud Computing Your Best Bets? White Paper Are SaaS and Cloud Computing Your Best Bets? Understanding SaaS and Cloud Computing and Service Delivery Options for Real Estate Technology Solutions Joseph Valeri, MBA, MS President, Lucernex

More information

The Missing Piece of Marketing Automation: Your Phone. What matters most is the strategy and skill with which you use it.

The Missing Piece of Marketing Automation: Your Phone. What matters most is the strategy and skill with which you use it. The Missing Piece of Marketing Automation: Your Phone What matters most is the strategy and skill with which you use it. It s an ambition for businesses all over the globe: discover a way to market your

More information

KEY PHASES. In Creating a Successful Mobile App

KEY PHASES. In Creating a Successful Mobile App 1 KEY PHASES In Creating a Successful Mobile App Strategy Design Development Marketing Maintenance Developing a Plan for Success In a Competitive Environment 2 table of contents introduction... 3 Strategy...4

More information

FLEET MANAGEMENT DRIVING AMERICA S BUSINESS PRODUCTIVITY

FLEET MANAGEMENT DRIVING AMERICA S BUSINESS PRODUCTIVITY SPECIAL ADVERTISING SECTION // LOGISTICS OUTSOURCING FLEET MANAGEMENT DRIVING AMERICA S BUSINESS PRODUCTIVITY Clockwise, from top left: A Ryder maintenance facility; ARI experts perform a site inspection;

More information

Five Great Reasons to Consider Gift Checks

Five Great Reasons to Consider Gift Checks Gift Checks Online Press Kit Five Great Reasons to Consider Gift Checks Let s face it there s only so many ways to give someone a gift, and those options haven t changed much in decades. But Gift Checks

More information

Successful Steps and Simple Ideas to Maximise your Direct Marketing Return On Investment

Successful Steps and Simple Ideas to Maximise your Direct Marketing Return On Investment Successful Steps and Simple Ideas to Maximise your Direct Marketing Return On Investment By German Sacristan, X1 Head of Marketing and Customer Experience, UK and author of The Digital & Direct Marketing

More information

Mammon and the Archer

Mammon and the Archer O. H e n r y p Mammon and the Archer OLD ANTHONY ROCKWALL, WHO HAD MADE millions of dollars by making and selling Rockwall s soap, stood at a window of his large Fifth Avenue house. He was looking out

More information

Who better to finance your car than the people who built it?

Who better to finance your car than the people who built it? >> Financing your smart Who better to finance your car than the people who built it? SF67/01/14 smart Mercedes-Benz Financial s UK Limited. A Daimler Company. Tongwell, Milton Keynes MK15 8BA, United Kingdom.

More information

Better Deals, More Cashback

Better Deals, More Cashback Better Deals, More Cashback 1 Table of contents 4 About DubLi 6 What is Cashback? 8 Coupons, Promotions and Special Deals 10 Travel Get paid to travel with industry-leading Cashback rewards 12 Shopping

More information

We are here to help you...

We are here to help you... We are here to help you... Hi Scott Wilson here the Founder of Digital Influence. I just wanted to say thanks for taking the time to read this short report. As a business owner that has been lucky enough

More information

u n i t f o u r Savings and Investments: Your Money at Work "It s possible to have your money work for you in two ways..."

u n i t f o u r Savings and Investments: Your Money at Work It s possible to have your money work for you in two ways... Unit Four Savings and Investments: Your Money at Work "It s possible to have your money work for you in two ways..." In Unit 2, we talked a lot about how you earn money working at a job. In this unit,

More information

Virtual Flips QUICK Start Guide

Virtual Flips QUICK Start Guide Virtual Flips QUICK Start Guide The Ultimate Virtual Real Estate wholesaling 7 step action plan By Christopher Seder Copyright 2014 VirtualFlips.com, and Christopherseder.com, All rights reserved. No part

More information

Fry Instant Word List

Fry Instant Word List First 100 Instant Words the had out than of by many first and words then water a but them been to not these called in what so who is all some oil you were her sit that we would now it when make find he

More information

CONSUMERLAB CONNECTED LIFESTYLES. An analysis of evolving consumer needs

CONSUMERLAB CONNECTED LIFESTYLES. An analysis of evolving consumer needs CONSUMERLAB CONNECTED LIFESTYLES An analysis of evolving consumer needs An Ericsson Consumer Insight Summary Report January 2014 Contents INTRODUCTION AND KEY FINDINGS 3 THREE MARKETS, THREE REALITIES

More information

The complete guide to becoming a mortgage advisor

The complete guide to becoming a mortgage advisor The complete guide to becoming a mortgage advisor Mortgage advisors help people with one of the biggest purchases of their lives, helping them to secure a mortage to buy or re-mortgage property. If you

More information

Statement Harald Krüger Chairman of the Board of Management of BMW AG Conference Call Quarterly Report to 31 March 2016 3 May 2016, 10:00 a.m.

Statement Harald Krüger Chairman of the Board of Management of BMW AG Conference Call Quarterly Report to 31 March 2016 3 May 2016, 10:00 a.m. Media Information - Check against delivery - Statement Harald Krüger Chairman of the Board of Management of BMW AG, 10:00 a.m. Good morning, ladies and gentlemen. 2016 marks the year of the BMW Group s

More information

Anytime Adviser New Car Buying Coach

Anytime Adviser New Car Buying Coach Anytime Adviser New Car Buying Coach Welcome. This interactive guide offers you strategies for getting the best deal on a new car. Let's begin. Interested in a little guidance to negotiate your best deal

More information

Temple University, Philadelphia

Temple University, Philadelphia Studying in the U.S. demands a lot of preparation. The moment I heard I got selected for Temple University I started to make arrangements. First we needed to upload a lot of documents like, bank statements,

More information

Telemarketing Selling Script for Mobile Websites

Telemarketing Selling Script for Mobile Websites Telemarketing Selling Script for Mobile Websites INTRODUCTION - - - - - - - To person who answers phone - - - - - - - Record name of company, phone Good Morning (or Good Afternoon) I would like to speak

More information

How to Improve your Student Loan Payment, A guide to the best ways to save on your student loans

How to Improve your Student Loan Payment, A guide to the best ways to save on your student loans Welcome to today s webinar. I am really excited to pass this information on to you and think you will find it wildly beneficial. The title of our presentation is How to Improve your Student Loan Payment,

More information

THE DEFINITIVE GUIDE TO PASSENGER INFORMATION SYSTEMS

THE DEFINITIVE GUIDE TO PASSENGER INFORMATION SYSTEMS WHITEPAPER THE DEFINITIVE GUIDE TO PASSENGER INFORMATION SYSTEMS Passenger information systems come in many different forms. They are comprised of direct methods of communication, such as websites and

More information

China Grand Auto: Partnering with SAP on a State-of-the-Art Platform for a Multibrand Dealer Group

China Grand Auto: Partnering with SAP on a State-of-the-Art Platform for a Multibrand Dealer Group 2015 SAP SE or an SAP affiliate company. All rights reserved. China Grand Auto: Partnering with SAP on a State-of-the-Art Platform for a Multibrand Dealer Group Company China Grand Automotive Services

More information

John Deere and you. You ll look good in green.

John Deere and you. You ll look good in green. John Deere and you. You ll look good in green. 2 When you work with John Deere, we invest in our relationship with you a bond that is made to grow with you into the future. MORE THAN JUST IRON. Committed

More information

Marketing smart home products successfully

Marketing smart home products successfully A White Paper by the Innovation Experts from mm1 Consulting & Management Marketing smart home products successfully Executive Summary In Europe, it remains early days for the very fragmented smart home

More information

The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE!

The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE! The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE! Copyright 2013, All Rights Reserved Nancy Matthews Page 1 Congratulations! Welcome you to the

More information

Welcome to second PGI AUTO TRAINING SEMINAR-

Welcome to second PGI AUTO TRAINING SEMINAR- Welcome to second PGI AUTO TRAINING SEMINAR- Helping our dealers navigate the complex and ever changing Web space and help to generate the most leads became PGI s mission- therefore my personal passion.

More information

Mercedes-Benz achieves fifth record year in a row

Mercedes-Benz achieves fifth record year in a row Investor Relations Release Mercedes-Benz achieves fifth record year in a row January 8, 2016 Mercedes-Benz sold 1,871,511 vehicles worldwide last year an increase of 13.4%. Strongest ever December sales

More information

CONTENT MARKETING FOR ASSOCIATIONS. Roslyn Atkinson Head of Client Services, Mahlab Media

CONTENT MARKETING FOR ASSOCIATIONS. Roslyn Atkinson Head of Client Services, Mahlab Media CONTENT MARKETING FOR ASSOCIATIONS Roslyn Atkinson Head of Client Services, Mahlab Media 12 MONTHS FROM NOW Imagine it s a year from now. Your annual report has just come out. What does it say? At the

More information

Fry Instant Words High Frequency Words

Fry Instant Words High Frequency Words Fry Instant Words High Frequency Words The Fry list of 600 words are the most frequently used words for reading and writing. The words are listed in rank order. First Hundred Group 1 Group 2 Group 3 Group

More information

FOREX FOR BEGINNERS. www.mundomarkets.com

FOREX FOR BEGINNERS. www.mundomarkets.com FOREX FOR BEGINNERS CONTENT 01. 02. 03. 04. What is forex market and how it works? Forex market (page 2) Liquidity providers (page 3) Why acquiring knowledge is important in the forex market? Experience

More information

SHOW THE LOVE BEAUTIFUL THINGS ARE POSSIBLE. WE CAN PROTECT THE WORLD WE LOVE FROM CLIMATE CHANGE.

SHOW THE LOVE BEAUTIFUL THINGS ARE POSSIBLE. WE CAN PROTECT THE WORLD WE LOVE FROM CLIMATE CHANGE. SHOW THE LOVE BEAUTIFUL THINGS ARE POSSIBLE. WE CAN PROTECT THE WORLD WE LOVE FROM CLIMATE CHANGE. SHOW THE LOVE MAKE A GREEN HEART TO WEAR AND SHARE ON VALENTINE S DAY DON T LOSE WHAT YOU LOVE TO CLIMATE

More information

THE EASIEST WAY TO AN IDEAL SOLUTION FOR YOUR VEHICLE FLEET

THE EASIEST WAY TO AN IDEAL SOLUTION FOR YOUR VEHICLE FLEET ACCIDENT MANAGEMENT COMPARISON OF QUOTES CHANGE OF VEHICLE CHANGE TYRES FIND THE RIGHT CAR MAKE ORGANISE A REPLACEMENT VEHICLE COSTS FOR MANAGEMENT POLICY MANAGEMENT BUDGETING TAKE OUT INSURANCE LEASE

More information

Holiday Retail Onboarding

Holiday Retail Onboarding Holiday Retail Onboarding 6 Tips to Help Employees Flourish An ebook by Introduction Last year s holiday shopping season brought in an estimated $579.5 billion dollars for retail. Here s the breakdown

More information

How to Meet EDI Compliance with Cloud ERP

How to Meet EDI Compliance with Cloud ERP How to Meet EDI Compliance with Cloud ERP Lincoln: This is Trek Talk, the Cloud ERP podcast and today s topic is Advantages of an EDI Compliant Cloud ERP. With cloud ERP you can meet your goals for EDI

More information

Digital Retailing Port City Nissan Case Study

Digital Retailing Port City Nissan Case Study Digital Retailing Port City Nissan Case Study Dealertrack Digital Retailing A streamlined website to in-store sales process pays off in more sales and a better customer experience General Sales Manager

More information

Daimler Financial Services in China Alexandre Mallmann, President & CEO of Mercedes-Benz Auto Finance Ltd.

Daimler Financial Services in China Alexandre Mallmann, President & CEO of Mercedes-Benz Auto Finance Ltd. Daimler Financial Services in China Alexandre Mallmann, President & CEO of Mercedes-Benz Auto Finance Ltd. Daimler Financial Services AG A division of Daimler AG Mercedes-Benz Cars Daimler Trucks Mercedes-Benz

More information

Why Your Job Search Isn t Working

Why Your Job Search Isn t Working Why Your Job Search Isn t Working 6 mistakes you re probably making and how to fix them I t s easy to think that your lack of success in finding a new job has nothing to do with you. After all, this is

More information

In Person Mobile Website Selling Script In Person Cold Call or Appointment

In Person Mobile Website Selling Script In Person Cold Call or Appointment In Person Mobile Website Selling Script In Person Cold Call or Appointment 1. PERSONAL INTRODUCTION Upon Entering Business Crack a BIG SMILE on your face Good Morning (or Good Afternoon) I am looking for

More information

Designing and Implementing Your Communication s Dashboard: Lessons Learned

Designing and Implementing Your Communication s Dashboard: Lessons Learned Designing and Implementing Your Communication s Dashboard: Lessons Learned By Katie Delahaye Paine President, Paine & Partners Contact Information: Katie Delahaye Paine CEO KDPaine & Partners Durham, NH

More information

Check Your Credit First

Check Your Credit First I hear the same thing from many aspiring first time home owners: they would LOVE to buy a home, but they have difficulty in getting approved for financing. There are 3 key items banks are looking at when

More information

largemortgageloans.com Bespoke Mortgage Services

largemortgageloans.com Bespoke Mortgage Services largemortgageloans.com Bespoke Mortgage Services WELCOME TO OUR BESPOKE MORTGAGE SERVICES largemortgageloans.com If you are looking for a large mortgage to fund a residential or commercial property purchase

More information

Psychic Lotto Formula 3-Step Formula Secret Template To Lottery Secrets Module 3

Psychic Lotto Formula 3-Step Formula Secret Template To Lottery Secrets Module 3 Page 1 Table of Content The Psychic Lotto Formula Jackpot to Success System... 4 Part 1 Channeling the Power of Your Mind to Success... 6 Part 2 Visualization... 12 Part 3 Integrating Luck and Making it

More information

Best in Class Customer Retention

Best in Class Customer Retention Take your business to the next level Best in Class Customer Retention A 5% Improvement Can Double Your Bottom Line Profits Free Sales and Marketing Audit Call 410-977-7355 Lead Scoring, Prioritization,

More information

Marketing Automation And the Buyers Journey

Marketing Automation And the Buyers Journey Marketing Automation And the Buyers Journey A StrategyMix White Paper By Jonathan Calver, Managing Director, StrategyMix About this Paper This paper will first introduce you to the principles and concepts

More information

RESELLER PROGRAM. Expand your business. Build professional apps. White Label CMS. Reseller support

RESELLER PROGRAM. Expand your business. Build professional apps. White Label CMS. Reseller support RESELLER PROGRAM Expand your business Build professional apps White Label CMS Reseller support INTRODUCTION PROGRAM RESELLER Dear Future Reseller, Thanks for your interest in the AppMachine Reseller Program.

More information

Creating value by satisfying customers

Creating value by satisfying customers 41 Creating value by satisfying customers Organizations that capture customers needs best and translate them into tailored products and services will be the leaders in any market or. Organizations with

More information

7 Secrets To Websites That Sell. By Alex Nelson

7 Secrets To Websites That Sell. By Alex Nelson 7 Secrets To Websites That Sell By Alex Nelson Website Secret #1 Create a Direct Response Website Did you know there are two different types of websites? It s true. There are branding websites and there

More information

Would You Like To Earn $1000 s With The Click Of A Button?

Would You Like To Earn $1000 s With The Click Of A Button? Would You Like To Earn $1000 s With The Click Of A Button? (Follow these easy step by step instructions and you will) This Version of the ebook is for all countries other than the USA. If you need the

More information

Colleen s Interview With Ivan Kolev

Colleen s Interview With Ivan Kolev Colleen s Interview With Ivan Kolev COLLEEN: [TO MY READERS] Hello, everyone, today I d like to welcome you to my interview with Ivan Kolev (affectionately known as Coolice). Hi there, Ivan, and thank

More information

Comprehensive Guide to Marketing Like Starbucks

Comprehensive Guide to Marketing Like Starbucks Comprehensive Guide to Marketing Like Starbucks 1 Introduction 6 reasons Starbucks Marketing Communications Strategy is so Effective is one of our most popular posts, continuing to be a top performer even

More information

WE WILL BUY YOUR HOUSE FAST!

WE WILL BUY YOUR HOUSE FAST! Who Are We? Homes Re-Imagined is a full service professional real estate solutions company located in the Northern Virginia area. Founded in 2014 as a family enterprise by John P. Bradford and Dorann Bradford,

More information

Brought to you by: http://privatemailingclub.com http://adtroopers.com http://trafficcoupons.com

Brought to you by: http://privatemailingclub.com http://adtroopers.com http://trafficcoupons.com Brought to you by: http://privatemailingclub.com http://adtroopers.com http://trafficcoupons.com Do you ever have the feeling that there is something that other people know about making money online that

More information

Insider Secrets: Marco Santarelli Leads NORADA Real Estate Investments to New Heights. FREE ISSUE! Grow Your WEALTH It s On Us

Insider Secrets: Marco Santarelli Leads NORADA Real Estate Investments to New Heights. FREE ISSUE! Grow Your WEALTH It s On Us Print Online Network www.realty411guide.com Vol. 4 No. 4 2013 411 A Resource Guide for Investors Marco Santarelli Leads NORADA Real Estate Investments to New Heights FREE ISSUE! Grow Your WEALTH It s On

More information

The. biddible. Guide to AdWords at Christmas

The. biddible. Guide to AdWords at Christmas The biddible. Guide to AdWords at Christmas CONTENTS. Page 2 Important Dates Page 3 & 4 Search Campaigns Page 5 Shopping Campaigns Page 6 Display Campaigns Page 7 & 8 Remarketing Campaigns Page 9 About

More information

The Seven Deadly Sins Of Car Buying That Could Cost You Dearly, And How To Avoid Them

The Seven Deadly Sins Of Car Buying That Could Cost You Dearly, And How To Avoid Them The Seven Deadly Sins Of Car Buying That Could Cost You Dearly, And How To Avoid Them The Car Business 101... 2 Sin #1: Shopping Based On Monthly Payment Instead Of Price... 3 Sin #2: Putting Money Down

More information

Real Estate Professionals with Heart. Home Selling Guide

Real Estate Professionals with Heart. Home Selling Guide Real Estate Professionals with Heart Home Selling Guide Who Are We? KForce Home Solutions is a full service professional real estate solutions company located in Little Elm, Texas. KForce Home Solutions

More information

On a mission to reduce traffic congestion for all

On a mission to reduce traffic congestion for all On a mission to reduce traffic congestion for all TomTom s Traffic Manifesto TomTom s Traffic Manifesto 1 Foreword Traffic congestion is an issue that virtually every driver has to contend with at some

More information

Vision for the future: Are you ready for Industry 4.0?

Vision for the future: Are you ready for Industry 4.0? Expense Reduction Analyst Survey on SMEs Vision for the future: Are you ready for Industry 4.0? Finding sources of funding and securing new business opportunities Content 02 Content and imprint 0 Foreword

More information

CRUSH WHITE PAPER HOW TO BUILD A KILLER STRATEGIC ACCOUNT PLAN. The guide every salesperson needs to read before creating a strategic account plan.

CRUSH WHITE PAPER HOW TO BUILD A KILLER STRATEGIC ACCOUNT PLAN. The guide every salesperson needs to read before creating a strategic account plan. CRUSH WHITE PAPER HOW TO BUILD A KILLER STRATEGIC ACCOUNT PLAN The guide every salesperson needs to read before creating a strategic account plan. CRUSH PAPER: HOW TO BUILD A KILLER STRATEGIC ACCOUNT PLAN!!

More information

How Can I Sculpt a Plan to Start Inbound Marketing

How Can I Sculpt a Plan to Start Inbound Marketing How Can I Sculpt a Plan to Start Inbound Marketing An Effective Marketing Method for Doing Business Online By Courtney McElroy, CEO Marketing Force 1 How Can I Sculpt a Plan to Start Inbound Marketing

More information

by: Brian Fisher, AdmissionsQuest

by: Brian Fisher, AdmissionsQuest Understanding Private School Financial Aid: What it is & How to Apply by: Brian Fisher, AdmissionsQuest Understanding Private School www.admissionsquest.com sss.nais.org Acknowledgements: This booklet

More information

Thinking about College? A Student Preparation Toolkit

Thinking about College? A Student Preparation Toolkit Thinking about College? A Student Preparation Toolkit Think Differently About College Seeking Success If you are like the millions of other people who are thinking about entering college you are probably

More information

A Real Estate Investment Company. Real Estate Agent Partnership Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1

A Real Estate Investment Company. Real Estate Agent Partnership Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1 A Real Estate Investment Company Real Estate Agent Partnership Guide ARCANE PROPERTIES 716 800 1414 BOB@ARCANEPROPERTIES.NET 1 Who Are We? Arcane Properties is a full service real estate solutions firm

More information

Software Outsourcing - Software Development. info@westtownwebservices.com

Software Outsourcing - Software Development. info@westtownwebservices.com Hi I m Tony Radford from West Town Web Services. We area UK based great value, high quality software development and outsourcing solutions business. If you need software built or looked after please get

More information

Excerpt from. Introduction to Auto Repair

Excerpt from. Introduction to Auto Repair Excerpt from Introduction to Auto Repair iii Preview The following is a sample excerpt from a study unit converted into the Adobe Acrobat format. A sample online exam is available for this excerpt. The

More information

Share me. A Guide to Fleet Management

Share me. A Guide to Fleet Management A Guide to Fleet Management for Small Businesses 1 Contents Introduction 3 The true cost of vehicle downtime 4 The benefits of leasing and fleet management 5 Why Buy? - The official verdict 6 Fleet options

More information

Chapter 1: How to play Introduction

Chapter 1: How to play Introduction 1. How to play Chapter 1: How to play Introduction Film transcript Whether it s Olympic, Paralympic sport, global business, or academic success there s always more behind the numbers. That s why, as the

More information

Fleet Management: 10 key considerations for choosing the right vehicle technology - By Phil Murphy

Fleet Management: 10 key considerations for choosing the right vehicle technology - By Phil Murphy Fleet Management: 10 key considerations for choosing the right vehicle technology - By Phil Murphy Whether it s reducing the amount of claims by improving driver behaviour, or by not having to settle claims

More information

Visit salonbooker.com or Call 1.866.966.9798

Visit salonbooker.com or Call 1.866.966.9798 Visit salonbooker.com or Call 1.866.966.9798 What s the Top 5 all about? Welcome curious salon owners and managers! Our years of experience and passion for the beauty industry have left us knowledgeable,

More information

Before the first listening you will have one minute to look through the questions of PARTS

Before the first listening you will have one minute to look through the questions of PARTS Listening Comprehension Listening Comprehension Test You will hear three different recordings. Before the first listening you will have one minute to look through the questions of PARTS ONE and TWO. You

More information

Where Is Interactive Marketing Heading?

Where Is Interactive Marketing Heading? Trend Report Changhee Han _ chang.han@cheil.com Chakyung Bae _ chakyung.bae@cheil.com 2013 ad:tech London Where Is Interactive Marketing Heading? ad:tech is an international seminar on interactive marketing

More information

Choosing an LMS FOR EMPLOYEE TRAINING

Choosing an LMS FOR EMPLOYEE TRAINING Choosing an LMS FOR EMPLOYEE TRAINING As organizations grow it becomes more challenging to scale your internal learning culture. You must be certain that your staff is trained in the entire organizational

More information

The Contented Website

The Contented Website The Contented Website Why most business websites don t work and what to do about it Deb Jeffreys About the Author Deb Jeffreys and is the founder of Brilliant Blue Marketing. Together with her team she

More information

AB Volvo, 405 08 Göteborg, Sweden. Ref No 953810003, August 2009. The Volvo Way

AB Volvo, 405 08 Göteborg, Sweden. Ref No 953810003, August 2009. The Volvo Way AB Volvo, 405 08 Göteborg, Sweden Ref No 953810003, August 2009 The Volvo Way index Preface Our mission Customers first Customer focus Clear objectives Quality, safety, environmental care Continuous improvements

More information

EXCLUSIVE REVIEW and $14,597 WORTH BONUSES!.

EXCLUSIVE REVIEW and $14,597 WORTH BONUSES!. EXCLUSIVE REVIEW and $14,597 WORTH BONUSES!. Introduction Publish Academy, a comprehensive and life-changing digital publishing program with over 12 years in the making, I sincerely appreciate your interest

More information

56 Key Profit Building Lessons I Learned from Jay Abraham s MasterMind Marketing Training.

56 Key Profit Building Lessons I Learned from Jay Abraham s MasterMind Marketing Training. 56 Key Profit Building Lessons I Learned from Jay Abraham s MasterMind Marketing Training. Jay Abraham is a man you should all know. If you do not - go to the library and start learning - just do it! He

More information

1Targeting 2. 4Analysis. Introducing Marketing Automation. Best Practices for Financial Services and Insurance Organizations.

1Targeting 2. 4Analysis. Introducing Marketing Automation. Best Practices for Financial Services and Insurance Organizations. Introducing Marketing Automation Best Practices for Financial Services and Insurance Organizations 5 Marketing Technology 1Targeting 2 Engagement 4Analysis 3 Conversion 1 Marketing Automation = Marketing

More information

UNTOLD MAP SECRETS. Are you a MyAdvertisingPays member? Great!

UNTOLD MAP SECRETS. Are you a MyAdvertisingPays member? Great! UNTOLD MAP SECRETS The Guide for online marketing newbies Are you a MyAdvertisingPays member? Great! Do you know that you can earn money by using the advertising system of MyAdvertisingPays but you have

More information

CREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive

CREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive create tax advantaged retirement income you can t outlive 1 Table Of Contents Insurance Companies Don t Just Sell Insurance... 4 Life Insurance Investing... 5 Guarantees... 7 Tax Strategy How to Get Tax-Free

More information

Optimize Your Fleet Size with Pinpoint Accuracy!

Optimize Your Fleet Size with Pinpoint Accuracy! Optimize Your Fleet Size with Pinpoint Accuracy! A conversation with Grace Appleton, Vice President of Business Development for North America for BISHOP Fleet Optimization Fleet managers are constantly

More information

E-mail Marketing for Martial Arts Schools:

E-mail Marketing for Martial Arts Schools: E-mail Marketing for Martial Arts Schools: Tips, Tricks, and Strategies That Will Send a Flood of New Students into Your School Practically Overnight! By Michael Parrella CEO of Full Contact Online Marketing

More information

Integrating Routing Software With Your Business Process Workflow

Integrating Routing Software With Your Business Process Workflow Integrating Routing Software With Your Business Process Workflow Appian Software for Routing and Logistics from TMW Systems 2012 TMW Systems Inc. Cleveland Dallas Raleigh Indianapolis Oklahoma City Vancouver

More information