Why You Should Not Buy a Credit Privacy Number (CPN)

If you’re looking to repair your credit, you may have come across websites that advertise a credit privacy number, credit protection number or CPN. These numbers are nine digits like a Social Security number (SSN), and sellers claim that you … Continue reading →

The post Why You Should Not Buy a Credit Privacy Number (CPN) appeared first on SmartAsset Blog.

Continue Reading

5 Tips for a Memorable Holiday Card for Your Business

In a time when most communication takes place online, receiving a personal holiday card in the mail is a welcome treat—and one that can help build stronger business relationships while supporting your company’s brand.

So how can you be sure that your company’s holiday card earns a place on the mantel or card display and isn’t just tossed in the recycling bin? Start with a high-quality card from a well-known stationer like Crane, and then remember these tips.

1. Reflect Your Brand

Although sending a holiday card spreads cheer and acknowledges the spirit of the season, it’s a marketing tool ultimately, giving you a chance to thank your customers for their business and maintain top-of-mind awareness. Therefore, it’s important that the design you choose reflects your company brand and sends the right message to customers. Try to choose card designs that align with your brand colors, imagery, fonts, and overall corporate identity. That doesn’t mean you have to stick to boring or conservative designs, but you should consider the message you’re sending. Even conservative businesses like accountants or attorneys can incorporate whimsical or colorful designs into their cards when done appropriately.

2. Consider a Photo

Photo cards are among the most popular design choices for holiday cards. After all, who doesn’t love seeing the smiling faces of friends and family that they might see all that often? Photo cards are also appropriate for businesses and are likely to get the recipients to look more closely at them. Photo cards work well both for businesses where customers have regular contact with your team and for those where your customers might not see you and want to put faces to names. They are also a great choice for family businesses. Including a family photo on the holiday card supports your “family-owned” brand and a personal touch to the card.

3. Make it Personal

Speaking of adding a personal touch, the most memorable holiday cards are those that have a personal touch. Nothing will send your card to the bin faster than a preprinted card that was clearly a mass mailing. People want to feel special and acknowledged, and adding a personal touch to the card creates that feeling. Hand-signing cards is ideal, but not always practical, but many printing companies can add digital signatures that mimic the look of a signature. Another option is to have your team send cards to specific clients with a personalized message thanking them for their business or mentioning a specific memory or project.

Sending business holiday cards is a key part of your marketing, so take the time to do it right.

4. Take Care with Messaging

Understanding your customer base and being culturally sensitive is important all the time, but in particular during the holidays. It’s important to choose holiday cards and write messages that are sensitive to your customers' religious and cultural preferences. This means avoiding cards with overtly religious messages or focused on the religious aspects of the season, instead opt for more neutral designs and greetings. The primary exceptions are if your business is devoted to a specific religion (eg. a Christian bookstore), if you are certain that your customer base is of a specific faith, or if you’re sending greetings for a holiday you celebrate (for example, if you’re of the Jewish faith and sending cards for Hanukkah). Even then, it’s best to opt for cards that have more subtle religious imagery and messages. If you’re unsure, choose a more universal “Season’s Greetings” or “Happy Holidays” theme.

5. Mail Carefully

There’s no point in putting time, effort, and money into your holiday card only to have many of them returned undeliverable because you have incorrect addresses. Devote some time to updating your mailing list, adding new contacts, removing old or outdated addresses, and removing duplicates. If you’re sending cards to contacts and clients at other companies, make sure that the recipients are still with the company and that you have their titles correct.

This means that you should begin working on your holiday cards well in advance. You might not be thinking about the holidays yet in October, but it’s best to get your company cards in the mail as close to Thanksgiving as possible. Not only does getting your card in the hands of your contacts early make it more memorable—it’s not going to get lost in the pile of cards filling mailboxes the week before Christmas—but it also ensures that people receive them before they head out of the office for the holidays. Many people take time off in the days before and after Christmas, and if your cards are mailed late, they won’t be seen until after the New Year. If you are running late with your holiday cards, consider sending New Year’s greetings instead.

Sending business holiday cards is a key part of your marketing, so take the time to do it right. Your customers will be happy to receive them and remember your company in the year to come.

Continue Reading

Does Your Small Business Need a Blog? Blog Writing Services Can Help

If you have a business, the next step to taking it further is to build and grow a connection with your customers. Simply providing a service or product is no longer enough. In a world that is always moving and full of change, people crave meaningful interactions. And that need extends to the products and services they use. Customers want to be surrounded by things they can identify with. If a business with great products or services is also able to provide some kind of added value for someone, that person is more likely to become a loyal patron. 

As a business owner, providing that added value can feel like a huge task. This is where the value of blog writing services can really shine. Not only can these services create more connections between you and your customers, but they can also make your life easier through a smoother workflow. Here are some questions you can ask yourself to get started.

What are my goals?

Ultimately, you probably hope to increase your sales. However, modern consumers expect personal connections. Set a goal for providing helpful facts that engage new readers. Establish a goal regarding how many new readers left comments on your blog. Consumers are more likely to complete sales when they feel that you hope to improve their lives. 

Do I even need a blog?

Yes. According to studies conducted by the Pew Research Center, people regularly turn to blogs and internet articles instead of using their televisions for news and information.

How can I connect with customers?

A blog allows businesses to connect with customers in many ways. Blogs provide answers to consumers' questions. They make your brand seem approachable and friendly. Blogs encourage readers to interact with your company and maintain meaningful connections. In addition to providing a blog, reach out through social media to invite readers to visit your website. 

Who are my current customers?

If you aren't sure about the needs, motivations, and concerns of your existing customers, it will be easy to miss out on meaningful connections. As you respond to comments on your blog posts or on your social media sites, you'll learn more about the needs that drive sales. While copywriters will spend time researching your current customers, it's also helpful for you to develop relationships with them.

Who is the target audience?

Who benefits most from the goods or services you offer? These people are your target audience. Take a look at the demographics of your existing customers to identify the new audience you want to attract. Remember to focus on how your offerings can improve the lives of your existing customers to understand how to attract people from your target audience. 

How busy is my schedule?

Building and maintaining a blog with a consistent schedule takes a lot of work. Some people make the mistake of underestimating the time commitment that goes into planning, design, and content creation. When your workday is already pushing beyond the 9-to-5 schedule, you don't really have time to produce consistent, fresh content. 

There are a lot of potentially great blogs out there that consist of just one or two posts … last updated eight months ago. If you want to have a blog that builds and sustains an audience, a consistent schedule is critical. Without a schedule, it can sometimes be impossible to ensure posts are written and content keeps flowing. If you have loyal followers and you disappear for several months, you may very well be forgotten! Using blog writing services makes this a non-issue. When someone else writes your content, you can tend to your life and work without having to worry about losing customers.

Can copywriters really represent my voice?

The task of finding someone to accurately portray your company should not be taken lightly. After all, writing in a business or brand's voice is a critical part of the copywriting process.

It is equally important to understand the value of professional copywriters. There are many factors involved in the process of creating great copy that leads to increased sales, and copywriters must understand and use these strategies. With research into your subject and your target consumers, talented copywriters can represent your voice. 

Continue Reading

Can Your Craft Become Your Livelihood? A Conversation with Grant Ginder

That creative thing you love—writing, painting, designing, composing—that’s what you do for pleasure. To relax, unwind, escape. Many of us hold a belief that the thing we love to do and the thing we get paid to do can’t be one and the same. Unless, of course, you’re Lizzo or Stephen King. 

But what if that assumption is wrong? What if there's a way to add a small revenue stream, or even make a full-time career, out of the creative thing you love?

Becoming a creative begins with creating.

I sat down with novelist Grant Ginder (author of The People We Hate at the Wedding and Honestly, We Meant Well) who boldly shares his advice on how he turned his writing hobby into a profession and how he believes you can follow his lead down any artistic path you choose.

What makes someone an artist?

When I asked Grant what makes someone an artist, he chuckled before confessing that even as a published author, he struggles to claim the title out loud.

"I think … so much of it is just a matter of taking ownership. [We tend to believe] you're not allowed to call yourself a painter unless you've sold paintings. But a painter is someone who paints. …I spend a lot of my day writing, and so I'm a writer. Getting anyone else to take you seriously is to take yourself seriously. And part of taking yourself seriously is calling yourself what you are."

Addressing the mindset of art as a hobby or creative pursuit only

Many of us carry a creative wish or talent inside of us. And yet so many believe that our art—the creating—is the thing we must do after the “real job” is done. Being creative happens separately from being a professional.

"My parents… encouraged me to follow those [writing] ambitions. And if I would've told them after I graduated college ‘I'm going to go be a writer’… they would have [said] ‘Maybe you won't be doing that.’

"When my first book came out, my parents had a celebration for me and my dad was giving a speech. He said ‘Grant said he was going to write a book and we didn't believe it!'"

Then, after Grant’s second book was published, his parents (supportively) expressed the same surprise.

"It was a mixed message. It’s not just your parents [sending you this message]—I think you have pressures from all sides; from school, from media, from just looking at the world around you. It’s like the only [artists] that matter are the ones who make a lot of money. I think it’s a very skewed way of looking at art."

Making the move from amateur to creative professional

It's all well and good to say that we should all support creative pursuits as a means to an income. But how do you actually get started on making it official? The answer, perhaps unsurprisingly, is that becoming a creative begins with creating.

"For me, the creating part was learning to set aside time, and to protect that time, to engage in this particular craft… I would write on the weekends a lot. [I had to learn] to say no to things… [because] this is the time that I've set aside to engage in this process, and I'm going to engage in this process now. Holding yourself to that and getting other people to recognize and take that seriously [is essential]."

He also speaks to the importance of consuming the art form you want to produce. For Grant, that’s the novel. But he acknowledges that it's probably the same for other creative arts like painting or music. The process involves analysis and self-reflection.

"You read a novel and you want to write one of these things. [What do you like about it? Why do you like that? And how is that writer doing that thing? And so, [you're] coming at it as… someone who's trying to train themselves in a particular craft. I think that's kind of step one in producing something [creative]."

Finding inspiration and motivation

Sometimes you don't have the luxury of waiting for inspiration to strike you. You have a job to do.

What about inspiration? Do you wait for it to strike or do you just have to start?

Grant believes the artist simply has to start.

"I don't believe that I have to wait for inspiration to strike. I actually think that this comes from my training as a speechwriter, and from writing under deadlines. Sometimes you don't have the luxury of waiting for inspiration to strike you. You have a job to do."

He pointed to an idea he paraphrased from novelist Taffy Brodesser-Akner:

"You write a sentence. Just write that sentence. And it might be a really bad sentence, but the next one will probably be a little bit better."

"I'm also a fan of super messy first drafts. I think my writing is at its worst and my process is at its worst when I get way too precious. Am I in the mood? Is the light in the apartment just right? It's like, no, just roll up your sleeves and start."

Getting your creation out into the world

Once you’ve written or painted or composed the thing, is there a clear, step-by-step roadmap to getting it out into the world? Grants recommendations were refreshing. And relatable.

1. Do your research

"I used Google. When I wrote my first novel, I Googled ‘how many words are in a novel?

"I've always loved writing. I've always loved reading. And so, on breaks [from my speechwriting job], I would write. And, I kept that up. And then… when I reached that magic number [of novel words], I Googled ‘how to publish a novel.

"My path was like a Google Commercial."

Grant's googling led him to conclude that he needed to find a literary agent. And, of course, he then used Google to find out what a literary agent was. 

"Your research is really important [in figuring out] what the next steps are and how to prepare yourself for those steps."

2. Be scrappy

"I started realizing I'd never really read the acknowledgments in the backs of books before. So I started reading the acknowledgments… and authors thank their agents. So if I really liked the book, I would read the acknowledgments and keep a list of who the agents were.

"When it was time for me to query agents… I reached out to those agents. Some of them didn’t respond, but some did. It takes a while. You get a lot of rejections. But I told myself that for every rejection, I was going to send it out to two more people. You just chip away."

I told myself that for every rejection, I was going to send it out to two more people. You just chip away.

3. Make connections

"I assume this would translate to other fields—developing a network of other writers, painters, musicians helping each other … to navigate the landscape."

Grant had no prior knowledge of the steps to take in getting a book published. He had no connections. He had only a book, a wish, and a decent internet connection. And this is how he would advise any creator to figure things out as they go.

How do you handle rejection?

Grant mentioned rejection. And I wasn’t letting him off the hook. How, I asked, do you deal with rejection?

"There is this incredible vulnerability in putting something out in the world. It's something that you've sat with for years. And it's just [been] you, engaging with [it]. Then all of a sudden it's in the hands of everyone and they're allowed to think whatever they want about it.

"I think you have to get to this state—and I'm not there yet—[but] I imagine [it’s] like the author's Nirvana… where I’ve made this thing that belonged to me while I was making it. And I am now putting it forth for interpretation… [but] texts are meant to be read and processed in a variety of different ways. And I think that… the more you can lean into that belief, the happier, and probably the better writer you can be."

Grant's advice to budding creatives

I wrapped our interview with this question: What’s the one piece of advice you wish you could give your younger self?

Here’s a (slightly paraphrased) summary of the pep talk Grant wished he'd received.

"Just sit down and do it. Trust the process. One sentence will lead to the next sentence, which will lead to the next. Don't worry so much. Just write the book you want to write."

Continue Reading

What’s the Fastest Way to Boost My Credit?

Article originally published September 1st, 2016. Updated October 29th, 2018.  It’s a common question around these parts: how do I fix my credit? And, while credit scores do have a lot of nuances, the answer is actually pretty straightforward: pay all your bills by their due dates, keep your debt levels low, add a mix of accounts… Read More

The post What’s the Fastest Way to Boost My Credit? appeared first on Credit.com.

Continue Reading