What Exactly Is HISA?

Jan 10 2024 Published by admin under Uncategorized

The main factors you should consider

While looking for the best HISA Canada, consider how frequently you’ll be using the account and what features you will need. How frequently will you make transactions, and are there any charges? Is there a minimum balance necessary? How is the interest calculated? Here are some of the main factors to consider before opening a HISA:


Various financial institutions provide different interest rates depending on the services selected and the features they offer. If the bank has a branch at every corner of the country, stays open every day, and pays its staff to be ready and waiting to answer any queries you have, you might find yourself paying extra charges. Financial institutions with less overhead charges might provide more competitive rates. Understand your requirements and select the highest HISA Canada through a bank that suits your financial needs. No one wants to pay for services they will never use. The entire point of opening a savings account is to save, not spend.

Minimum deposit

Some financial institutions need you to deposit a minimum balance and keep it there. If you are able to keep at least the minimum balance in the account, you might get access to higher interest rates.

Monthly fees

Some financial institutions might charge monthly fees or fees according to service;however, others may offer unlimited access to your money free of cost. Consider how frequently you will access your money and the interest rate offered. Some fees might be worth the additional features and privileges offered through the account.

Age requirements

Most HISAs require that the account holder is at least 18 years of age.This may be different in your region.

Promotional rates

Some financial institutions provide promotional rates to get you through the door. Those rates, however, don’t last forever. Select an institution that provides great rates long after the welcome scheme expires. Interest rates of 2% are usually the best HISA in Canada.

Compound interest

Some financial institutions compound interest daily, and not monthly or yearly. Select an institution that will provide you maximum value for your money and reward you for regular deposits. You’ll end up with more return on your investment in the long run. This is what makes these accounts so beneficial and why you should give it a try at least once in your life.

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How are milk and oatmeal stouts made?

Jan 10 2024 Published by admin under Uncategorized

When it comes to craft beer in London, you can’t get much more classic than the stout. The dark and robust flavour of this type of beer has been enjoyed for centuries all over the world, but there’s one particular variation that is starting to grow in popularity; milk stout.

Milk stouts are made by brewing with lactose sugar instead of regular table sugar. They’re also brewed with oatmeal for added body and richness, giving them a creamy texture that makes them perfect for drinking at breakfast time. While milk stouts are relatively new, they’re becoming more and more popular with brewers. The best brands have a subtle sweetness to them that makes them easy drinking even if you aren’t usually an ale drinker. The basic ingredients that go into milk and oatmeal stouts include water, barley malt, lactose sugar and hops. While milk stout has been around since the early 2000s, it’s becoming more popular with brewers today due to its subtle sweetness that makes them easy-drinking even if you aren’t usually an ale drinker. The best brands have a creamy texture that adds another depth of flavour compared to normal ales or lagers.

The brewing process starts by mashing the grains which extracts fermentable sugars from malted barley, the key ingredient in most beers, as well as unfermentable carbohydrates such as dietary fibre found naturally in oatmeal. This is done by steeping the grains in water and heating them. Next, brewers add hops to balance out all of those malt sugars with bitter flavours that help keep beers from being too sweet or cloying.

The taste sensations of milk and oatmeal stouts are a result of the ingredients combined with how it is brewed. The oatmeal helps to create a creamy texture and body while giving their beer some natural sweetness that doesn’t overpower any other flavours or aromas in this type of craft brew. Oatmeal stouts are generally light-coloured which makes them easy on the eyes, especially when they’re poured into a glass mug for drinking!

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Things to consider for best facial:

Jan 10 2024 Published by admin under Uncategorized

Throughout the day, a variety of things have an impact on your skin. The sun, pollution, smart gadgets, meals, and, of course, heredity all have a significant impact. A range of skin treatments including deep pore cleansing facial San Diego and GuaSha facial San Diego are available at beautyKliniek.com. A personalized face is one such example. The resort’s spa offers a personalized facial ready for you, whether you wish to fight signs of ageing, cure acne, or moisturize your skin.

Makeup removal and cleansing

Following the consultation, your esthetician will remove any makeup and cleanse your skin. It’s done with a Clarisonic Cleansing Brush. This aids in the removal of pollutants from the skin’s surface. During the cleansing procedure, steam might be utilized.

Examine and evaluate:

This is crucial since each skin type has distinct features and, as a result, varied requirements. The esthetician will examine your skin with a magnification lamp. They examine your skin in great detail. The esthetician will feel more items with his or her hands when cleaning your skin. Smoothness, roughness, dryness, breakouts, and stiffness all influence the products utilized and the skin care products advised following your session.


Exfoliating has a plethora of advantages. This is when the esthetician eliminates the dead skin cells and oil from the surface of your skin. This stage of the facial is especially useful if your skin is prone to breakouts. Exfoliating on a regular basis will assist to eliminate the debris that clogs your pores and promotes outbreaks. It also aids in the maintenance of a healthy glow as you age and improves the texture of your skin. Multiple layers of dead skin cells tend to build up and collect over time as you become older. Exfoliation promotes the skin’s regeneration process, allowing healthier cells to show through. If you are looking for best massage San Diego andBest facial San Diego, then beautykliniek.com is the best spot to hit.

Removal of the face knit and grit:

Your pores have opened up as a result of the steam machine relaxing your skin. It’s now time to get rid of any pimples or blackheads (if you want your esthetician to do so). To avoid any harm to your skin, an esthetician will perform a proper extraction of blackheads using the right methods and tools.

Why don’t you go ahead and choose them yourself? It’s critical to see an esthetician in order to effectively remove those small flaws. They have the equipment to get rid of them more safely than you do. When you’re at home, you’re likely to use your fingers, which are contaminated with bacteria. A skilled extraction is less likely to leave scars or cause infection.

Relaxation time:

Your face massage is the next phase in the process. Using various massage techniques, your esthetician will work the product into the skin. The face massage assists in the reduction of tension and stress. One of the immediate advantages of a face massage is an increase in blood and oxygen flow, which improves collagen synthesis and hence a young glow over time.

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10 Steps to Unlock the Hidden Job Market

Jun 16 2023 Published by admin under Uncategorized

Everyday I help people get in touch with the contacts they need to reach. I help them to access the hidden job market, usually with one goal in mind. Get an interview.

So how do we help you unlock this often untapped resource? And can you do some or all of it on your own? Here are the steps I take with each new custom research client and yes, with the correct tools you can do a majority of this on your own, if desired.

1. Take a close look at your skills, experiences and accomplishments from your career and education. Consider what industries you have come from and those in which you want to work.

2. Our economy is recovering, but you will still need to determine what other sectors might value your skills and accomplishments, and include those industries as well.

3. Determine what geographic area(s) you would like to target. Would you consider moving for the right job offer? If so, determine all locations of interest.

4. Conduct research in each industry/geographic area and find companies you think will be a good fit. I use a professional subscription to Hoovers, along with several other resources, and run detailed lists sorted by area, industry, company revenue & number of employees. Most public libraries will have similar databases such as Reference USA.

5. Take the list of companies you feel will be a good fit, and identify the key executives that you want to contact. Don’t limit yourself to only contacting HR.. remember, you are trying to find the unadvertised jobs by going directly to the source. So you will want to find the names of the entire C-suite – CEO, COO, CFO, CHRO.. and depending on the industry/position you are interested in, possibly the CLO, CMO or CIO. How do you find this information? Some databases will help you get started, otherwise you can check the company website, or the good old fashioned way – pick up the phone and call.

6. Once you have your list of companies and executives complete, I recommend finding their direct work email address. I have an involved process I have created over the years to find those elusive emails – I can’t share my secrets here! I will say, I do not recommend buying lists from a list broker, emails are notoriously incorrect and out of date. If you can not find direct emails yourself I recommend skipping this step and going directly to step 8.

7. Compose a direct, compelling message to introduce yourself and your job search goals – make sure to ask for what you want… an interview or referrals! Email each executive with your resume attached.

For qualified executives sending a compelling message, this works extremely well. You may never have to complete step 8.

8. Do what most job seekers are reluctant to do… pick up the phone and start calling people. Discuss with them the state of the industry, their company and if they have any hiring needs that match your skill set.

9. If they have no hiring needs now, or in the near future, they will tell you. But nothing is lost and you have just made a good contact for the future.

10. Often, they will know of some openings – either within their own company, or via board connections, etc. Listen, ask for more information, and follow up as necessary. There is no better introduction into a company than to say, “Fred Smith, CEO of Smith Foods recommended I call you to discuss your need for a qualified finance executive”

These 10 Steps are the very basics of finding the hidden jobs. It all boils down to networking with the correct people, at the companies that will be interested in you. Remember, if you can find just 5 openings where you are speaking directly with someone capable of hiring you, you stand a good chance of getting an interview.

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Why IP Lawyers Need To Use ‘Nurture Marketing’ To Keep Prospects Interested In Their Services

Jun 16 2023 Published by admin under Uncategorized

If you are an IP lawyer who thinks of creating sales funnels and simply guiding your prospects through various stages until they buy your IP legal services, you may have to rethink your client attraction strategies very soon to get even better results.

This is because of the need to address the issue of control – who controls the buying process and how does this affect the way IP legal services are searched for and purchased?

There is an evolution in the way marketing to prospects is done:

The ‘old fashioned’ way, which should be dying out but is not, is based on one-way, lawyer-to-prospect flow of communication, the reliance on networking and events, and very little effort made to stop prospects thinking they are simply being lectured to;
The ‘prospect guidance’ way, which many lawyers have started to take on board, is based on building a sales funnel and directing prospects through various stages until they purchase high priced legal services;
The ‘nurture marketing’ way, which is the direction lawyers should be focusing on. This is based on communicating regularly and effectively to nurture relationships and develop trust with prospects.
There are problems with the first two methods in the current economic climate.

The ‘old fashioned’ way usually takes place when lawyers believe they don’t have the time or resources to do any marketing activities, and rely on methods that have been used in the past to get more clients. More often than not, there is a heavy reliance on telling people about the legal expertise on offer and the length of time one has been in service. It is still the case that when many lawyers do actually communicate to prospects, it tends to be in complex terms and is not based on an understanding of the problems that prospects really want solved.

The ‘prospect guidance’ method is a step up from the above. Here, lawyers acknowledge the need to create a process to get more clients (e.g. a sales funnel). If done well, processes or systems are put in place to communicate with prospects with the sole goal of getting them to take specific action at various stages until they buy high-priced legal services.

There is a problem with this second approach though. It assumes that the lawyer and / or his marketing team are in control of the purchasing process, i.e. “if we create different stages in a sales funnel such as reports, lunches, events or seminars, and guide prospects through specific steps at given times, then we will control the way they get information on the solutions possible and the way they then make a decision to purchase OUR legal services.”

This does not take into account the internal factors that many prospects have to overcome, which then influence the decisions made to search for specific legal services.

So, what is nurture marketing?

It is the process through which IP lawyers, and their colleagues, stay top-of-mind in their prospects’ minds by engaging in informative and bi-directional exchanges that have no hard sell. More importantly, the IP lawyers have the permission to communicate to the target prospects, they also have to provide more and more value each time they do so.

This requires a move away from communicating for the sake of it and systematically providing information and resources that prospects are looking for (or have indicated they really want).

Nurture marketing is more easily done if prospect engagement is continually improved using feedback collected from prospects. IP lawyers also have to measure ALL nurture marketing activities. This is absolutely vital as it is impossible to gauge which prospects are hot without performance indicators in place to compare responses from different prospects over time.

While many IP legal services professionals may have some sort of web marketing strategy in place, they might find that these are not very effective at attracting new business. For example, you may do SEO very well and rank top of searches, but then lose prospects because the information provided or follow up strategy fails to keep prospects interested in what is on offer. This is the kind of issue an effective nurture marketing strategy can address.

Nurture marketing includes the following:

A systemised process for collecting feedback from prospects and clients about their needs and, more importantly, the internal factors that have to be addressed which influence purchase decisions;
Permission to continue engagement with prospects, but holding back from simply sending irrelevant communications that do not help address specific issues highlighted in the feedback provided;
Making sure the information provided is tightly targeted at a specific niche so that recipients separate it from the mass of information they get every day for other marketers or IP legal services professionals;
Systemised and automated multi-channel campaign management in which online and offline communication messages complement each other. Key here is pointing prospects to resources and activitiesthey are actively looking for, and to make sure there is an evolution of the messages delivered to match the increasing interest from prospects as they move from discovery, through awareness, to the validation stage.
Direct marketing principles should apply to all communications.
IP legal services professionals should have ALL prospects in a nurture marketing programme, and only move to sales / proposal mode once prospects have explicitly indicated that they are happy for that to happen. This requires a change in attitude amongst IP legal services professionals and all their colleagues, with a clear focus on creating and managing great experiences as opposed to simply trying to push prospects into steps they are not ready to take before they buy anything.

Eria Odhuba helps lawyers implement new online business models to attract more clients to their practices, giving them the chance to be succesful and enjoy the things they would like to do but can’t because they have no time or money.

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10 Ways to Increase Traffic to Your Website – Free Online Marketing Techniques

Jun 16 2023 Published by admin under Uncategorized

Getting your business’s website online is a surefire way to increase your sales. A few tips can get you on your way to sales improvement. Here are the top ten online marketing techniques to increase traffic to your website.

Use social media sites. These are accessed by tens of millions of people every day. The ability to connect with others on a social level by using Facebook and Twitter is a great marketing strategy. For a more professional social media approach, see what LinkedIn has to offer.
Write a blog. By having a blog, you not only provide your customers with a way to stay up-to-date with the products you offer, but you have a way to continually grab the attention of Google with your updated information.
Participate in forums. When you can give advice on topics that people are actively searching for, you can include a link and direct traffic to your site using this free online marketing method.
Write articles. With the right search engine optimization techniques, you can direct people to your site from the backlinks posted in your articles.
Create videos. Many people are more interested in watching a video than they are to read a lengthy article. Title your video with something catchy and SEO-friendly to direct more viewers to your video and ultimately your website.
Use pay-per-click advertising. This is an online marketing method that some companies use to get themselves to the top of Google’s return lists. You pay for a spot at the top and choose how much you will pay for every click your link receives from that location.
Implement e-mail marketing. By coordinating your email template with the profile of your site, you are likely to see a high conversion rate of those on your e-mailing list to those who make purchases.
Use keywords on your website. By using the right keywords at the correct density, you will find your website skyrocketing to the top of Google’s return lists.
Design your site to be user-friendly. Because there are so many websites, your potential customers may click on your link, stare at your confusing site for ten seconds, and direct themselves elsewhere. A clear, clean website is the trick to effective online marketing.
Fill your site with fresh content. None of these tips will mean anything if your website is outdated and unoriginal. You must offer customers something new and perfect for their needs if they are to buy anything.

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Strategic Planning – Five Ideas on Defining a New Direction for Your Business

Jun 16 2023 Published by admin under Uncategorized

It’s an exciting time when you’re working on a new direction for your business. Your head is full of ideas and you’re bursting with energy. You’re full of excitement, inspiration, and motivation. It’s hard to think of anything else. Here are a few ideas about the process that can maximize your results.

1. Don’t rush the process.

Most of us want this done yesterday or earlier. We’re so excited that we think we should be able to put together a whole new plan or program in a few days. We want our website and marketing materials done immediately, yet we aren’t even sure about most of our concepts yet. In effect, we fantasize that a complex and robust new business direction can be birthed fully completed in days or hours. Yes, we can put together the ideas in that short a time, but getting it all written down in effective marketing writing is a longer process. Give it the time it needs. Don’t rush it.

2. Get expert help to speed up the process.

Hire someone to help you sort through your ideas, assess marketability, enhance your concepts, and come up with profitable, in-demand business ideas with an identifiable and hungry target market. Work with a skilled marketing coach to identify and delineate your business concepts. Get help with your marketing writing and use the writing of your business materials to clarify and crystalize your exact new business offerings.

3. Know your target market and aim for a market with an intense need for your services.

Identify them explicitly and understand their needs. Select a target market is looking for a solution to a problem you can solve. Their need must have some intensity and pressure behind it to drive a desire to buy. Don’t target a market that has little or no motivation to buy. If there’s pain driving their search for a solution, that’s an even stronger target market. Lukewarm motivation would put you in the position of constant hard selling. Be realistic about your target market. Don’t fantasize about non-existent demands, and base your new business plans on that.

4. Consider the process an evolutionary process.

Write down what you think your new business is and evolve it as you define and refine it. Start where you are, and get clarity by putting it into words. Don’t expect your first words to be your final ideas. Be OK with change, refinement, recombination, and outright elimination of anything ineffective. Put it down in writing because that process forces you to make choices and decisions. Expect to go through a series of iterations as your new ideas evolve. Stay aware of what you consider to be a “must have” and what is optional.

5. Examine profitability at all times.

What can you do to boost the value of your offerings to the client while increasing your own profit? Don’t be greedy, but do keep reasonable profitability as a top consideration of your new business development. It’s a lot of work to get together a new business offering. Make sure it pays off in increased revenue for your business.

Remember that defining a new direction for your business is not an instant or predictable process. It takes time, effort, and the attitude of evolving ideas. Enjoy the excitement of the process and make sure it pays off for you.

Suzi Elton provides business writing that attracts targeted prospects to your service business and converts them into clients for you. She is a Robert Middleton Certified Action Plan Marketing Coach, as well as a professional writer. Her website offers a free series of 8 assessments you can use to analyze your own site.

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Measuring the ROI of Local Search Marketing

Jun 16 2023 Published by admin under Uncategorized

Local search marketing can significantly boost the visibility of your company in the search engines which implies that it will achieve extensively improved coverage to the thousands or tens thousands of people who search – each and every month – for keywords related to your business and the goods and services you offer.

And if you target the “optimal” keywords – those with a considerable search level but relatively small levels of competition – then you can take over the top rankings in the search engine results for a variety of content:

Web pages
Local business results
In doing so, you can lead the first page of the search results which means that every single keyword you target can supply several sources of traffic to your website. And, more notably, a source of leads, direct contacts; emails and phone calls, and customers for your company – because the more your business appears on the front page of search results, the more powerful its impression becomes on those searching.

Although it commonly takes a website some time to be positioned in the top of Google’s organic search results the only approach to reaching the top of Google’s local search results is by creating or claiming an existing local listing.

Fundamentally, if you’re going to invest your money or time in local search marketing, you must look for the answers to three questions:

What is my ROI or Return on Investment?
At what point will my efforts = my return (breakeven)?
What is the risk?
Before you start you want to know if the effort will be worth your time and investment. Setting aside breakeven and risk, let’s consider the steps you must take to “forecast” or project the ROI of a local search engine marketing effort.

You must set goals or expectations for your marketing campaign. What is it that your business wants to achieve; more traffic to your website, client visits, increased sales? For this example we are going to use website traffic.

To properly assess ROI you must first measure the average yearly “value” of a typical customer. For each industry this will be different but can be calculated none the less. Take into consideration the following; annual sales, number of transactions and the average transactions per client. You can then anticipate the value of each transaction and thus the value of your customer.

Next consider your current situation or take what I like to term, baseline measurements. Using our website example; what is your current volume of traffic, of this figure how many become customers? Out of the volume of visitors to your site what is the percentage that you can “convert” into customers? This is your current “conversion factor”.

You will then want to estimate or “forecast” how your site will perform AFTER you make the change. Monthly how many additional visitors will be generated based on your efforts. If you are using a keyword campaign how many new visitors will be directed to your site based on each targeted term. This will provide you with a figure representing NEW visitor traffic. Multiply by 12 to calculate the yearly effect.

Using figures that you now have you can calculate the anticipated yearly revenue generated from your marketing campaign. Calculate the “conversion factor” of your new traffic by multiplying your anticipated traffic by your conversion rate. Multiply this figure by the “value” of your customer and you will have generated a projected value of Sales related to your efforts.

Now comes the easy part, calculating the cost of your marketing campaign. How much did you spend on your campaign? Don’t forget that does not include simply the direct money that you spent but also includes the value of your time invested. While it is not a direct expense it should be considered as it is time that you would have otherwise had to “purchase” elsewhere.

Finally you have all the information required to generate your ROI or Return on Investment. Take your forecasted increase in sales and subtract your cost. This will give you a general profit figure in dollars but this is not your ROI. Take your profit and divide it by your cost and multiply by 100, this final figure represents your companies ROI in percent.

At the end of the day, local search marketing is a “gift that keeps on giving” because efforts that your company makes today will not merely pay off tomorrow but well into the future. Given that the future of local business marketing is online, establishing a solid presence today is the most advantageous way to grow your business and guarantee that it will continue to grow well into the future.

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How to Detect a Trending Market When Trading Forex

Jun 16 2023 Published by admin under Uncategorized

How to detect a trending market when trading Forex? There are many ways. You can use the trendlines as well as moving averages to detect the trend in the market. Let’s discuss a few ways that you can use to detect the direction as well as strength of a trend in the Forex market.

One of the most simplest tools to determine the trend in the Forex market is to draw a trendline. Trendlines will not only help you establish the direction of the trend plus also identify the support and resistance. So what does a trendline do? It shows you the past price action and also gives you an indication of the future direction of the market. Now, a trendline is a dynamic line of support during an uptrend and a dynamic line of resistance in a downtrend.

How do you draw trendlines? In an up trend, connect two lower highs with a line. That’s it! And in a downtrend, connect two higher lows with a straight line. Now, the slope of a trendline can tell you a lot about the strength of a trend. For example, a steep trendline shows extreme bullish attitude of the buyers.

Now, another technical indicator that is used to measure the direction and strength of the trend is the Average Directional Index (ADX). Values above 30 on the ADX means a strong trend while values below 20 indicate a trading range or no trend. The higher the ADX value above 30, stronger is the trend.

Another popular indicator that can be used to confirm the strength of a trend is the Stochastic. Stochastic is comprised of two lines %K and %D lines that are plotted on a scale of 0 to 100. Readings above 80 means strong upward movement and a reading below 20 represents a strong downward movement.

Once you have determined the strength of a trend, confirm the strength of the trend with the slope of the Stochastic. Stochastic should have a high up slope in case of a strong uptrend and a high down slope in case of a strong downtrend.

Another point that you should note is that when the price action makes a high or low, Stochastic also makes high or low. This indicates a strong trend that is most likely to continue. If this is not the case, then the trend is most likely to reverse itself. You can also use the MACD ( Moving Average Convergence Divergence) Indicator in place of a Stochastic.

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Strategic Planning – Taking a New Business Direction? Become the Go-To Person for Your Specialty

Jun 16 2023 Published by admin under Uncategorized

When you’re looking at ways to take your business in a new direction, consider how you could become the “go to” person for your specific skill. There’s a long way from the birth of this idea to its realization, but there are certain identifiable steps that can bring you predictable success. Experiment with these ideas for becoming the “go to” person.

1. Choose something where your gifts, skills, educational background, training, and experience are so strong that they “close the deal” for you with prospects.

After they’ve read your offering, they simply want to be convinced that you’ve got what it takes to deliver. Your marketing writing includes “about us” information that is massively convincing and makes it a “no brainer” to buy your services.

2. Stay ahead of the market, trends, and delivery methods relative to the expectations of your target market.

Some things you will need to modernize as soon as new technologies become available – if your target market is leading edge. In other cases, your target market may resist change being forced on them. You should be so intimate with your market that you can distinguish the difference.

3. Put together “packages” of solutions based on realistic need levels of real clients and customers.

Analyze past and existing clients, and determine the cutoff points for the combinations of solutions you’ve provided. Done correctly, these could be “Wow! What a deal!” combinations, designed to trigger buying. Of course, they should also be easy to deliver and profitable for your business.

4. Look for a specialty where your unique preparation makes you a standout.

Don’t go into markets where you’re one of thousands of potential providers. Think about how you can position yourself to be head and shoulders above any competitors? This can be a challenging concept, but is often the most obvious thing. We might be oddly and completely blind to something that is obvious to others. It might take outside help to see what you are oblivious to.

5. You may have to be somewhat “shameless” in getting your unique talent in front of your market.

Put together a clear marketing message and sound that message relentlessly. Be identified with the problem you solve. All your marketing writing provides the details of your business. You want to be the one that people automatically think of when they encounter the problem that you can solve.

6. Settle in for the long run.

Make tweaks to this niche, but have the willingness to become known as an expert, and to stay expert. If you’re highly creative, this may seem like a limitation on your possibilities, but it doesn’t have to be. You can exercise considerable creativity within your area of expertise, without diluting your brand. In fact, this is what will keep you as the “go to” person.

Find a niche that’s a fit and “own it”. It’s a lot easier to build your business and bring in new business consistently if you are considered the “go to” person for your specialty.

The next time you’re working on taking your business in a new direction, seriously consider becoming the go to person for your specialty.

Suzi Elton provides business writing that attracts targeted prospects to your service business and converts them into clients for you. She is a Robert Middleton Certified Action Plan Marketing Coach, as well as a professional writer. Her website offers a free series of 8 assessments you can use to analyze your own site.

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