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Private Banking and Trust services are offered through Boston Private Bank & Trust Company, a Massachusetts Chartered Trust Company.youtube.com Wealth Management services are offered through Boston Private Wealth LLC, a U.S. Securities and Exchange Commission Registered Investment Adviser. Boston Private Wealth LLC is a wholly owned subsidiary of Boston Private Bank & Trust Company. Boston Private Bank & Trust Company, its parent, its subsidiaries, and their staff, do not provide tax, accounting or legal advice. You should consult with your legal or tax advisor prior to taking any action relating to the subject matter contained on this website.youtube.com Investments are not insured by the FDIC or any other government agency, are not guaranteed by Boston Private Bank & Trust Company or its subsidiaries, affiliates or parent company, may lose value, and are not a Bank deposit. Greg Sands does not worry about where his next customer is coming from in any of his 20 repair shops across the country. The reason is, Sands who owns and operates repair shops in Georgia, Texas, and Colorado, is also the founder and CEO of Mudlick Mail, an auto repair service direct mail provider. In Colorado, Sands’ shops operate under the Service Street moniker. His Thornton-based Service Street store opened last March, and is achieving a monthly repair order (RO) count that’s higher than his 650 average across the country thanks, in part, to his targeted direct-mail campaign. Sands said the key to running a successful repair shop is getting customers in the front door to increase car counts. "Mudlick (Mail) is really the secret," Sands said during a recent interview at his Service Street shop in Parker, which opened in 2008. "Most don’t do anything to get more cars in their shop. Sands said he developed his understanding of the automotive service industry in Texas, where he was a minority owner and president of a chain of 38 Goodyear stores. Two years in the making, Service Street repair shops feature ’50s architectural style, good curb appeal, and offer an environment where women like to shop, Sands said. "We wanted to design something unique, especially structurally," Sands said. "We wanted to be different." In addition to the two Colorado locations, there is a Service Street shop in Atlanta. "I like to go in an area where there still is demand," Sands said, pointing out that the Denver market can support up to 16 stores.  The business model uses a combination of demographics, income, and visibility, he said. When it comes to staffing the shops, Sands said he’s discovered over the years that non-industry people work out pretty well, especially managers from the food service industry. "The reason is that we want to raise the level of customer service," Sands said, pointing out that food service people have typically gone through formal customer service training, know how to multitask, and are concerned with cleanliness. Each shop’s service manager, usually an experienced one, delivers the necessary industry knowledge to make the shop run smoothly, Sands said. "There are a lot of things that happen behind the scenes in a repair shop that require multitasking," he said, such as service writing, ordering parts, communicating with technicians, picking up a customer, and dropping them off. "A car breaking down is a real stressful time for the customer," Sands said. Although auto service customers across the country generally expect the same type of service once they enter the shop, the trigger points for getting them in vary drastically, Sands said. "You don’t want to under-price yourself in a high-end market," Sands said, pointing to Colorado as an example. The median income in Colorado, for example, is much greater than that of Nebraska, he said. "You must match appropriate pricing by market. Running Mudlick is President Tim Ross, who works with more than 300 shops across the country to create custom-tailored campaigns for shop owners, who enjoy exclusivity in each of their markets, Sands said.  Unlike coupon mailers that go to both low-end and high-end people, direct mail can be tailored to geographic areas, demographics, income, or vehicle make, he said. Although his method is more expensive than mass coupon mailers, it is much more effective, Sands said. What he discovered is that high-income customers are non-coupon shoppers who use the direct-mail piece as a trigger to visit the shop, even using the map on the back for directions. "For the higher-end customers, the coupon simply serves as a point of reference. The offer is less important to them," said Sands. A common pitfall that many shop owners make when evaluating direct-mail campaigns is counting the amount of coupons collected, Sands said.  Moreover, they compare that month’s sales with the previous month’s. A more accurate barometer is comparing the direct-mail sales for one month with the same month’s sales in the previous year, Sands said. If a shop is experiencing a sales problem, it’s either low ticket average or car count, he said. Forging ahead, Sands said he is currently working on a new shop concept in Farragut, Tenn., with a Mudlick Mail customer to open 1st Choice Automotive, where he’s purchased the land and the building for the owner. It is one of six shops planned to open in 2011, he said. Please Register or Login to post new comment.youtube.com How good is the CMR Institute of Technology in Bangalore? Money A factor of Motivation, Not Always! People hire real estate agents to sell homes in Los Angeles and all over the country regularly, however they don't think so quickly about hiring a real estate agent to help them find a home to buy or rent. However, when you think about the market, it only makes sense to have someone on your side to protect your interests as a buyer. What Does a Real Estate Agent Offer a Buyer? · Much like an agent can help a seller come up with a perfect selling price, one can also advise you as to whether you are getting a good deal when buying. A seller's agent is working for the good of the seller; therefore having a buyer's agent protects your interests. · Because it is their livelihood, a real estate agent can match your needs and price range with the current listings available and act as a filter for the buyer. This prevents a lot of wasted time. · Your agent can schedule appointments for showings, open houses, and reduce the leg work for the potential buyer. · Often times, because of their network of connections, a real estate agent can often provide you with information and insights that you would otherwise not be privy to.youtube.com This can prevent disastrous results and regrets. · A real estate agent can also help when looking for an apartment. In Los Angeles, you could spend a lot of time traipsing all over town and reading classified ads. A real estate agent often has connections with landlords and can advise you as to which ones provide the necessities and amenities you require. · If you are in the market for a foreclosed home, an agent skilled in this area can be very useful as this is a different world than traditional real estate transactions. I wouldn't recommend just picking the first realtor listing in the yellow pages. Be sure that you find out as much as you can before making your selection. Generally, recommendations from people that you trust would be a good place to start choosing candidates.youtube.com · How long have you been a real estate agent and do you practice full time? · How many homes have you closed upon recently in the neighborhood I'm interested in? · Do you regularly act as a buyer's agent? · How many clients are you currently representing?youtube.com · If I am interested in a foreclosure, how capable are you of handling such transactions and are you fully aware of all the foreclosure laws? Committing to a new place to live is a serious undertaking and you don't want to find yourself stuck in a bad situation or getting the short end of the stick. Always find yourself a professional that you are comfortable with and that is experienced to assist you with such an important task. Personal finance has been continuing to learn about the importance of financial planning and putting together a budget. This week, we will be putting everything together by putting together a sample budget for a family. Students will research jobs, required education, housing costs, taxes, credit card payments, car payments, utilities, grocery prices, and much more. As the students find out their randomly generated family and financial information, they will begin putting together their findings into a spreadsheet, then a PowerPoint presentation. This will be a great activity that allows students to see what all goes into the planning for a family budget, and to see why it is necessary for meeting their long-term financial goals. On Friday, we will continue to look at our stock market portfolios, current events, and work on our Acellus testing. How much does a Marketing Manager make in the United States? 119,690. Salary ranges can vary widely depending on many important factors, including education, certifications, additional skills, the number of years you have spent in your profession. Marketing Manager manages the marketing activities and programs for the organization. Develops and implements marketing plans to serve the business objectives. Being a Marketing Manager stays abreast of changes in the marketing environment and coordinates market research projects. Selects and manages ongoing relationships with different marketing vendors. Additionally, Marketing Manager may oversees advertising, events and public relationships. Typically requires a bachelor's degree or its equivalent. Typically reports to a head of a unit/department. The Marketing Manager manages subordinate staff in the day-to-day performance of their jobs. True first level manager. Ensures that project/department milestones/goals are met and adhering to approved budgets. Has full authority for personnel actions. Extensive knowledge of department processes. To be a Marketing Manager typically requires 5 years experience in the related area as an individual contributor. Scripture Reading - Psalm 106, Col. Through the Blood of Jesus Christ; I, who was once far away, have been brought near to God. I am now engrafted in Christ, my Messiah. I have become a new creature altogether. The previous moral and spiritual condition has passed away; behold the fresh and new one has come. Therefore, since I am declared righteous and given a right standing with God through faith, I have peace with God through Jesus Christ. Now being justified by the blood of Jesus Christ, I shall be saved by Him from the wrath of God to come. The person who is united to the Lord becomes one spirit with Him. I am separated by God through the redeeming power in the blood of Christ, my Messiah, the author and finisher of my faith, from every tie with ancestral covenants, curse, and guardian spirits. My citizenship is now of heaven. I belong to the household of God. My life is hidden with Jesus Christ in God. I am washed in the blood of Him who loved me and gave His life for me. He has called me with a holy calling and by His name I am called. As it were, I am now cut off from evil consequences; I am physically and spiritually separated from their do's and don’ts. I no longer belong to any generation upon whom God could visit the sins of their fathers. Christ has redeemed me from such curses of the law. I cannot labor any longer under the weight of such yokes and burdens; I have received the yoke of Jesus Christ which is easy and His burden which is light. Therefore, every interference of household wickedness and ancestral spirit disturbance in my life and ministry is a transgression against the covenant promises of God concerning me; for it is written; touch not my anointed and do my prophets no harm. For it is written, as the God of heaven lives, let every manifestation and exhibition of rebellion from the ancestral and family spirits receive the undiluted anger of my God who is a consuming fire. For it written, it is a righteous thing for God to repay tribulation to those that trouble me, therefore, let every association of wicked spirits assembled against me be shattered by God. Let its hold in my life, in my finances, and in my ministry be broken. Let its projections return back to it, let its plotting, scheming, maneuvering and operation receive divine frustration and let their wickedness come to an end in my life. I reject every evil family and ancestral name; I renounce and reject their praise and poems ever sung for me. I break the power of any evil dedication ever placed on my head, every pledge, vow, promise, or covenant ever made on my behalf. I break it all with the Blood of Jesus Christ. Henceforth Let no ancestral or evil family spirit have any hold on me, my finances, my wealth, my health, my relationships and my ministry. 1. Every foundational curse in my life, break, in the name of Jesus. 2. Every foundational covenant in my life, break, in the name of Jesus. 3. Every foundational bondage in my life, break, in the name of Jesus. 4. Thou power of deliverance, fall upon me now, in the name of Jesus. 5. Every foundational arrester, be arrested, in the name of Jesus. 6. Every darkness planted in my foundation, scatter, in the name of Jesus. 7. Every Goliath and Pharaoh witchcraft, die, in the name of Jesus. 8. Every serpent in my foundation, die, in the name of Jesus. 9. Every scorpion in my foundation, die, in the name of Jesus. 10. O axe of God, work in my foundation, in the name of Jesus. 11. Let God arise and let all foundational witchcraft scatter, in Jesus name. 12. Every seed of witchcraft in my foundation, die, in the name of Jesus. 13. Every foundational confusion, die, in the name of Jesus. 14. Blood of Jesus purge my foundation. 15. Holy Spirit shake down every foundational stronghold of poverty, sickness, sexual perversion, and rebellion, in Jesus name. 16. Every foundational familiar spirit, I bind you and I cast you out. 17. Every foundational marine power, bow, in the name of Jesus. 18. Every spirit that entered me through curse, go now, in the name of Jesus. 19. Every seed of poverty in my foundation, die, in the name of Jesus. 20. Every foundational padlock on my progress, prosperity, and promotion, break, in the name of Jesus. 21. Every problem attached to my family name, be neutralized, in Jesus name. 22. Every problem that stands as Pharaoh, my rod shall swallow you today. 23. Legal right of satanic harassment over my wealth, health, prosperity, and progress, break, in the name of Jesus. 24. Every power searching the oracle to know my progress, die in Jesus name. 25. Family idols, receive the consuming fire of God, in the name of Jesus. 26. Every dream poison, come out of my life NOW, in the name of Jesus. 27. According to the mystery of Elisha, as I smite the ground, the enemy against my prosperity, promotion, progress, uncommon favor and success, shall bow. 28. I release myself from any bondage present in my family line, in the name of Jesus. 29. Any evil pattern laid by my ancestors, break, in the name of Jesus. 30. No enchantment shall hold me captive, in the name of Jesus. 31. I break the pattern of darkness that locks me up, in the name of Jesus. 32. I release my life from the yoke of my village/town/city,state/country, in the name of Jesus. 33. I shall walk and live in liberty, for Jesus has set me free, in the name of Jesus.youtube.com 34. Every curse that came to me through the sins of my ancestors, break, in Jesus name. 35. Every ancestral transmission of affliction, break and die, in the name of Jesus. 36. Lord, I thank you for immediate answers to my prayers. I am sharing these personal finance guidelines for anyone who wants to achieve financial freedom. You also have to be willing to do the work and (more importantly) to learn what is really going to produce results. These strategies for increasing personal wealth and financial freedom will help you to learn what works, and doing the work is up to you. The first of the personal finance guidelines is to spend money for value. This is the practice of "Powerspending" and it is one of the most commonly neglected strategies for personal wealth. Start by keeping track of all your financial transactions by writing them down. Powerspending of time is using your time to do things which will add economic value to your life instead of things which simply waste time. Donald Trump talks about this in his book on building wealth. He talks about the difference between the working class and the wealthy. The wealthy value their time and they commit spending their time creating and working plans and strategies for increasing personal wealth. 10 charge on their bill. Powerspending of talent is using your talents in a way that they add value to your life instead of to someone else's. Brian Tracy said that every person has at least one idea a year that would make them a millionaire if they just acted on it. In the same way, all of us possess talents which could bring us a lot more wealth than we realize.youtube.com In fact, they are generating more profit from our talent or else they would not be able to afford to pay us. Digital marketing consists of a lot of strategies. In fact, it's a holistic approach to do different types of marketing activities across different online platforms. These methods get upgraded on a regular basis as new technologies emerge across the globe. Therefore, digital marketing has grown significantly over the past few years. If you are new to this field, you may want to read the basics of digital marketing explained below.youtube.com First of all, the artificial intelligence (AI) will be quite popular in the coming years. Machine learning is another important part of digital marketing. In the near future, social media bots will play a great role as far as connecting with potential customers is concerned.