How to Sell Effectively

Often we have doubts or confusion even when faced with a task to "sell" something. Selling activity is a scourge for some people, especially those that have never or not interested in one of these economic activities, especially if we are not familiar with trading activities. In the world of work based on the company's marketing activities, it is absolutely necessary for employees to have the ability to sell them. As insurance companies, distributors, agencies, both goods and services, requires the ability to sell to be able to work at the company. But as difficult as our shadow is that when faced with the task of "selling". Yes easy-easy to difficult. There are a few tips to improve our ability to sell. What is it?

The first is to understand the characteristics of the buyer. The first step is used to analyze trends in product buyer of goods or services that we offer. Consumers are deciding whether we like it or not goods. Not funny would happen if we offer products that are not in accordance with the characteristics of consumers. For example, offer candy lolypop in adults certainly will not be offered if the consumer secocok children.
Once we know the characteristics of consumers, the second step is to give offerings to the consumer. Offering the consumer is not necessarily just give regular supply lines, such as "Please, you want this product?", Not a sentence like that who can influence people to buy. So how? There are several things to consider when we offer a product. (A) Enter the information doubles, between the strengths and weaknesses of competitors' products. Note that our customers know the product information of our competitors. Make our product weaknesses as strengths and lemahkan strength of competitors' products. For example, when we sold ice cream, the strength of our products in the organic material is used, while the strength of competitors' products from a cheaper price, we can open the bidding sentence with "you know that we use organic ingredients, so the ice cream more healthy, I know that another product is cheaper but does guarantee quality? "Remember that we must ensure that consumers are also aware of information from competitors' products, if not, then indirectly we are actually entering the information our competitors that could affect consumer thinking. "Why should I buy here, there are cheaper kok", such as would happen if we are careless. (B) Enter the information in one direction, show the advantages of our products only. In this case we must make sure that consumers do not have information from competitors' products, so we only offer the advantages of our products. (C) Show the reason that makes sense and relates to the functions of the products we offer. There are two ways of delivering the reasons of the advantages of our products, the first to submit a new sentence after the first command is the reason, or a second reason for a new first sentence demands. For example, "You have to buy me ice cream ..." reason: "because this ice cream from organic matter in healthy and does not make you a sore throat." Or it could be reversed like this, "Ice cream is made from organic material, healthful, and without preservatives, it will not make your throat hurt .. ", he ordered the sentence," Therefore you have to buy ice cream. "(d) Demonstrate the benefits in addition to the benefits of our products. "Ice cream is made from organic materials, so that without preservatives and healthy" (benefit); "Ice cream does not make a sore throat and does not make you fat" (profits).

The two steps above, if successfully executed, do not forget the third step of satisfactory service. When someone buys a product then we are obliged to provide after sales service, conduct a warranty! This is important because with a warranty, we can maintain the trust of our customers.
Remember, selling is an activity full of artistic value, should not be considered as an activity that it stiff or perfunctory. Improve your ability to sell and you will receive a great benefit, not only in the marketing world but in your daily life, both when offering goods and services, as well as offer ideas or our ideas.

Growth Strategies for High Tech Firms

high-tech products are new, they are based on new technologies, and they often precede a market demand. To market a product of high technology, the company must understand customer needs, educate them about the product and its underlying technology, and convince them that the new product represents the best solution to their problems.

The authors propose increasing the Ansoff Growth Strategy Matrix to identify six distinct market conditions, or cells, which represent an increasing risk for traders. Cells range from the most secure environment in which the best known products are sold to established markets --- for the more challenging environment in which high-tech products are offered to markets as yet undefined.

The document states that the failure rate significantly from the results of high technology products, lack of companies to realize that they are no longer competing in an environment of high-tech market. It is proposed that companies develop specialized marketing skills in each of the six environments.
New technologies, new products and new markets

The market definition of a high-tech product would be ... a product that is an innovative application of technology to solve market problems. The high-tech products represent a technological solution to the problem of a client who is not only new, but previously not even considered. The customer is not familiar with the product or its technology base, while the marketer of high technology may also be familiar with customer problems.

This dilemma is an extension of Ansoff driven concept 30 years ago. There are four distinct strategies for growth based on knowledge of a company and its products and markets.

Ansoff Growth Strategy Matrix

This concept also distinguishes between the risk level of different growth strategies. Unless a company knows about a business, it is more likely to fail. Thus, the penetration strategy (selling the company is familiar with the markets / customers the company is familiar with) has less risk, while diversification strategy (selling products unknown to unknown markets) is more risky. Consultants often refer to cell diversification in the matrix as "cell suicide".

Expansion Growth Strategy Matrix

With some modifications, this table shows the growth strategy of the strategic dilemma facing high technology companies. The modification is necessary because the model's growth strategy was based on a premise of customers are familiar with the products (or product category) that are being offered (even if they are not familiar with the company that offered the product.) Even without technological innovation, customers in an expanding market will enter the market without the knowledge of the product. This complicates the task of the marketer who must not only learn about the new client, but also educate the consumer about the product. Unless the customer knows the product, the more difficult the task facing the dealer.

Taken to the extreme, this lack of knowledge characterized the problem facing the firm to market a product of high technology, where, by definition, the client is familiar with not only the product but also its underlying technology. To explain this additional level of strategic uncertainty and difficulty arising, the growth strategy matrix should be expanded.
Expanded Growth Strategy Matrix

This expanded matrix adds the dimension of the new technology, which means a new technology to market. This factor new technology adds an additional level of risk to the business of marketing, because it indicates that the marketing company will have to educate the customer about the technology before the client can be shown the benefits of the new product. In the case of former markets (the company has experience with) the company is already familiar with the problems faced by customers.
High Tech Growth and Better Mousetrap Fallacy

The New Market New Cell Technology, identified as High Tech in this matrix, this definition follows directly from the work of "high technology". It is no coincidence that the cell is less than the high-tech diversification (or suicide) of cells. It is even riskier. The marketer of a product of high technology, as illustrated by this representation, are not familiar with the market and therefore know very little about the problems faced by customers. Although the high-tech marketer must be able to demonstrate how the problems that the client can be solved by a product and a technology that is new to the customer, difficult to understand, and represent a high level of uncertainty of the buyer.

To be successful, even before the product is sold, the marketer of high technology must first learn about the market and then teach the market about the technology. The inability of managers to understand the challenge of marketing your company faces is the cause of frequent failures among high-tech products. Many companies run by technically trained personnel with little experience in strategic management or marketing, a victim of the fallacy better mousetrap. They fail because instead of aggressively marketing their product (learning about the needs of its customers and educate the consumer about the product and technology), these managers expect their customers to intuitively see the superiority of their product.
High Tech Success Means intensive market research and customer education

A company in competition with the strategy of successful high technology by combining their expertise, their ability to quickly obtain information about issues of their customers and their needs, and their ability to give the customer enough technical knowledge to evaluate and choose your product. Unfortunately, this is a very transient and skills that resulted in early successes tend to become much less important than the market matures.

In today's technologically intensive environment, the markets are changing rapidly. The life cycles of products and innovations spread quickly shorten. While the High Tech trader is learning about the market ... key customers (opinion leaders) are more familiar with the technologies and products. Even more important, product and technological singularity which helped offset the strategic incompetence of the dealer at the beginning of its life cycle is lost as new, and sometimes exceeding, the products enter the market. To succeed in this market, the company must realize that it is competing in a high-tech market, but in a "penetration" strategic environment and must change its strategy accordingly.

A company embarking on a strategy of high technology must simultaneously be learning about your market first and learning the market on an emerging technology. The learning component of this strategy should result in the high-tech marketer to invest heavily in market research to understand the structure and the market needs that are coming.

The academic component should result in a communication strategy that adopts a missionary role. Advertising and promotional materials must explain not only the product and its benefits, but the adequacy of the underlying technology. The sales staff must be technologically sophisticated, enabling them to help clients implement and integrate this high-tech product in its current set of acceptable solutions to their problems.

As the product technology provides high performance benefits that allow the substitution of other products and technologies, and because the direct competition is likely to be low, the premium pricing strategies are appropriate. Although this strategy is being implemented in high-tech marketer should prepare for the inevitable transition to a penetration strategy.

The shift to a penetration strategy requires changes in marketing activities. Market research must pass basic learning for competitive monitoring. Publicity and communication will focus more on product differentiation and the role of personal selling is going to change. The sales person will focus more on providing customer service (rather than education) and providing market information. Prices will become a competitive weapon, distributors and other channel intermediaries are likely to be used.
Lost Arts Software as the market for Lotus

Software Arts invented the concept of spreadsheet analysis with your PC program VisiCalc. VisiCalc may well have been a better mousetrap than the market sought. Unfortunately, the company continued to compete as if it were a better mousetrap (and single). When Lotus launched its integrated software for the 123 market, VisiCalc was dropped. Software Arts has never changed the basics of your marketing strategy and continued to compete as if the product offered was unique and the market leader. Sales fell until 1985, when it was acquired by Lotus.

Lotus 123 was a brilliant success in technology. Indeed, the success of the product quickly drove it out of the cell high-tech strategic and a penetration strategy. Lotus was agile and flexible enough to adapt to the penetration strategy. aggressive retail merchandising established high visibility in the market. aggressive pricing and site license programs helped the company maintain a competitive position. All these steps indicate the strategic implementation of the Lotus that he was no longer competing in a high tech environment.

Too often, the change in the strategic environment of high-tech marketing goes unnoticed by the company. Worse still, the change can be noticed but ignored because acknowledging the change would require a strategic change. In some high-tech companies, the need to appear distinct from conventional companies is so great that the administration refuses to recognize environmental change fearing that to accept the change would require the company to become more conventional in its business practices.
The marketing teams specialized for each of the six cells

The object of this paper is not to suggest that high-tech companies can not succeed. These companies clearly have significant potential because of its ability to offer radically new solutions to customer problems. However, unless these companies are remarkable luck, they are doomed to fail without marketing strategy and guiding them in the market.

Even companies that can survive the first market pressures can not be sure of long-term success, because this market will change and if the company is to remain vital and viable, your strategy must change. Part of the change will occur as firms move from one approach to feature high-tech "startup" companies for the portfolio strategy of multiproduct firms in stable and mature. It is unlikely that the management skills necessary for successful high-tech strategy to easily transfer readily to other strategies. This can be seen at the start of the founders of Apple Computer and Lotus Development Corporation two to be replaced by more qualified managers in traditional marketing strategies.

The company best positioned for long term success need not abandon its innovative high-tech. Instead, it should have different teams ready to take a strategic product as it evolves in its area of strategic performance. The winning company will have not only a marketing group (which is more than many high-tech companies have today) that will have a separate marketing group for each of the six cells in the Extended Growth Strategy Matrix.

How Retailers Will Compete for Your Business this Holiday Season

Time is short and we are in the midst of the holiday season, with only 33 days until Christmas. We have seen bricks and mortar retailers and online retailers hurried scramble to get something online. In case you have not seen any retailers in trying to push Christmas, the day after Halloween.

This year I was at a retail store on Halloween and see the staff to optimize merchandising for the holiday season. We began to squeeze as many retailers crave Thanksgiving holiday season with the hope that it will put them in black, especially during these economic times. During this holiday season you will see that the retailer has realized that consumers have become more aware of their pricing and marketing will be more focus on the value of every dollar you spend, because they realize that that is what you seek.

How retailers, both online and off will be competing for your business?

Brick and Mortar Retailers

You will see the marketing tactics and strategies in brick and mortar retailers, some of you know, and others who offer a level of comfort and a way to make it easier for you to spend your hard dollar received. They focused on creating urgency for you to finish your holiday shopping with them. Some strategies that you will see or have seen include:

Holiday campaign started earlier. Best Buy starting November 1, Kohls began 2 November and JcPennys followed a week later. Most retailers go straight from Halloween to Christmas promotions.

Open on Thanksgiving. Sears and Kmart have announced that they will be open on Thanksgiving. They hope to capture consumers who want to get a jump start on holiday shopping.

Store layaways. It's no secret that consumers are experiencing tight budgets and credit crunches. Retailers realize that they need to do something to encourage consumer spending into their stores, so they relaunched their layaway program. Retailers participating in the marketing tactics include Sears, Kmart, Toys R Us, TJ Maxx, Marshall's and Burlington coat factory.

Online Retailers

Online retailers anticipating their best year. Research and studies have shown that the purchase will be more done online this year compared to other previous year. They have been directed by the tools and better merchandising that would make it easier for you to buy and make you feel like you are getting the best value. Every year online retailers to dig a little deeper into their profit margins in order to earn your business and steal it from bricks and mortar. Some of the strategies and tactics including:

Time. This may be the first year that Cyber Monday was losing value. Many online retailers will push sales out on Thanksgiving and continuing through Cyber Monday with hopes of capturing consumers before they hit the stores on Black Friday.

Free shipping or deeply discounted shipping. Online retailers have begun to realize that 58% of consumers would abandon online shopping carts because shipping price. This causes a lot of etailers offering free shipping or discounts on shipping. Walmart announced that they will do free shipping during the holiday season, this has set the bar for online stores hoping to catch the holiday sales, and many are struggling to come up with ways to compete.

Improved email marketing campaigns. You may have noticed, but if the patient has not arrived. As a consumer you can see an increase of 15% - 20% in email promotional campaign during the holidays.

Mobile marketing and promoting. Research has shown that consuming more buying via their smartphone, so you will see e-commerce retailers held over mobile campaigns. They will encourage exclusive deals to their mobile users. This is the transaction you will not see on their web sites or in their email. They want to draw your attention via phone, and they are willing to push a special significance to you just to get the ability to market to you through mobile technology.

Comparison shopping and reviews. Etailers have realized that many online buyers rely heavily on online reviews and comparison shopping engine, so you will see more than an online retailer you use this tool to persuade you to buy.

As you can see the retailers want you to buy, whether it's in brick and mortar stores or online is not a problem. They just want you to spend your money with them. You'll see this year's special like you've never seen before. Retailers need to improve their bottom line. They depend on this holiday season and they will come out all to get a percentage of the projected increase in spending this year. The good news is that as a consumer, you have a choice. Shop smart special research, and do not buy unless you feel the value you are getting, because if a shop will not give you what you are looking for another one will.

Develop Your Annual Marketing Plan

In January of this year many businesses sit to review their business plan, but do not pay attention to their marketing plans. There has never been a better time than the end of the year or early the new year to sit and reflect on what works for you and what is not. It is also a good time to develop a marketing calendar for the coming year.

An annual marketing plan will assist you in finding out what you need to do, how to do it, and when to do it. Marketing plan should go hand-in-hand with your business plan and development.
In the marketing course we will return your marketing goals and determine what you hope to achieve in the coming year with your marketing efforts. Often companies avoid this process because they do not know where to start the process. That's what I'm here. Over the next eight weeks I will guide you through the steps to create a solid marketing plan. At the end of our course, you will complete the following:

    * Preparation of the mission statement and vision for the coming year.
    * Discover and define your market niche.
    * Explain and identify your services.
    * Develop and plan your marketing strategy.
    * Explore and identify your competitors.
    * Create measurable marketing objectives.
    * Create a marketing calendar that contains the schedule month-by-month marketing activities and events for the coming year.
    * Learn how to monitor the results of your marketing efforts.
When we have finished you will have a strong marketing plan in your hand. This will be an important tool that will help you work smarter not harder to achieve your marketing goals. Every year you will want to return this course marketing and revise your marketing plan. Your marketing plan should reflect the changes and goals based on marketing experience of the previous year.

Companies Beyond Expectation

The companies winning high ISSI indices tend to apply an unusual service, even beyond expectation. However, running it is not easy.

Every time you log onto GraPARI Telkomsel, you're usually dealing with an officer who will ask you to come to the booth for the service. If the business problem of payment, the officer will give you a queue number to the cashier. If there are complaints or seek information, he will give a queue number to customer service. Conversely, if your business involves only setting the internet or phone, you can deal with the quick service.

Inside GraPARI, you can wait queue, looking at Telkomsel products on display. Also can while watching television or taking bottled drinking water provided. In some GraPARI provided even soft drinks like tea in bottles or soft drinks. If you are a priority customer, you are more comfortable anymore because you do not need to queue for long. There is already a special desk that handles customers like you.

In the era of self-service technology such as this, the service outlet or walk-in centers still play an important role for the customer. Indonesian consumers are still happy to meet face to face and requires real experience tend to like to come to the nearest service outlet. Especially in these areas, even though there is the facility of payment through bank transfer, there are still many customers who prefer to come and pay directly than have to do it through the ATM.

Service is something that is intangible (invisible). Therefore, customers are often looking for things that are tangible or physical evidence that can make them better able to evaluate the services they receive. Not surprisingly, customers in Indonesia have often prefer to come into service outlets because they can feel human touch and the atmosphere there. In addition, service outlets can be more assured they will be the quality of services provided.

Each year the CCSL (Center for Customer Satisfaction & Loyalty) conducted a survey about the quality of service, and the results published in Marketing Magazine. The index is excluded from this survey (ISSI = Indonesian Service Satisfaction Index) to measure for companies to assess company performance compared to competitors. ISSI is particularly focused on service outlets. This is evident from the survey methodology, in which customers who made this survey respondents are those who have had experience with service providers.

There are two types of respondents who actually surveyed, namely those who have experience in the walk-in centers and those who have experience in the after sales service, such as workshops and repair services. Their satisfaction was assessed from accessing satisfaction, satisfaction in the service process, the satisfaction of those who serve, until satisfaction in handling complaints. Not only that, for matters after sales service, satisfaction with the outcome (result) was assessed. Understandably, many instances where the customer is not satisfied just when receiving the results of the repairs. In fact, the process looks very good service.

In addition to service quality, the survey was also conducted on the value of services provided. That is, whether the services provided are in accordance with the price paid. Customers are generally charged for services received. However, whether the price paid in accordance with the service obtained? Therefore, in ISSI also carried out measurements of this price.

ISSI calculation scheme and then use two main variables are used as measurements (total index), ie, perceived service value and perceived service quality (see box methodology).

At ISSI measurement, rather than rank and no champion champion, Carre CCSL and Marketing Magazine decided to divide the two categories of company's success in service quality (SQ). First is the category of "Gold" and two "Diamond". Both companies are classified as Gold and Diamond should have an index on the industry. Companies that are above the industry but the index below 4 rated Gold. While the company is above the industry but the index is at least 4 will be included in the Diamond category.

In addition to Gold and Diamond won the category, the ups and downs satisfaction index is certainly an issue in the measurement of ISSI. Some companies can be proud satisfaction index increased, while some companies seem to decrease. Indeed, the SQ index rating based on walk-ins by the service center and after-sales service. Therefore, create a company that is excellence in the field of call centers and remote channel not necessarily have a high index.

Various industries have an average index of its own, there are high, there is also in accordance with the standards. Banks for example, quite a lot that can be ranked at the Diamond. This is different for example with electronics and mobile phones, tend to produce only companies on the Gold rating.

The interaction is so high between the bank and the customer is a trigger why banks tend to race to provide services with such a high quality. Not surprisingly, some banks could finally ranked in the SQ Diamond award.

Putting the power of service to branch offices and service centers do require special strategies. In addition to intangible elements such as hospitality, accuracy, speed, and a personal touch, would not want too many physical elements play a role. Good layout, appearance is neat officers, until the advanced technology used, an important element in creating customer satisfaction. These elements must be a unity that is able to achieve what customer wants. Even if necessary, more than expected customer.

Seen from the strategy of winning companies, it turns out programs aimed at achieving beyond expectation is run by several companies. At the present time, provide a service that mediocrity is not enough. In fact, it felt satisfying customers is not enough. There must be things that make customer delight, surprise, or get a pleasant experience.

In the situation now, customers do not just go to walk-in centers and resolve their affairs only. As GraPARI Telkomsel, they not only made the atmosphere there like at home, but they also raise certain themes at a given moment. Consistently, GraPARI Telkomsel is the theme of the mobile lifestyle. That is, when coming into GraPARI, customers could feel the aura of a mobile lifestyle through the design and the devices on display there. However, they also commemorate special moments, like at the time of day or day of Kartini National Customer.

Another with a Honda motorcycle Honda Authorized Service Station (AHASS). Honda believes, their workshop is not just a place to repair a damaged motorcycle and needs some improvement. Customers need an interesting touch, they can feel when waiting for vehicle repairs. Take for example the facility to charge mobile phones, wifi network available in some outlets, and even made children's playground. Thus, there are elements that exceed what they expect.

In the car industry, providing services that exceed customers' expectations are also performed. Car garages are now not only provide repair services. They also launched the service programs of interest. This example made by Daihatsu by some programs, such as guarantees 24-hour spare parts, mobile services, to the superfast service. Within 59 minutes, your car has been repaired and even washed.

Sharp also perform fast service program, which they call quick service. That is, handling a maximum of one hour of damage done. With this program, they hope to give something out of the ordinary customer. If customers have the expectation that electronic service services needed for days, with the quick service, the completion of minor damage can be done quickly.

What about the insurance industry? Generally the most enjoyable service the customer must happen by the time they file a claim. As we all felt that this claim is now so easy. So if this one element alone can not be met an insurance provider, do not expect to satisfy the customer. Most insurance applies even pick up the ball, which came to the customers who make a claim, instead they must come to the branch office.

Some of the creativity that can be done for instance launched by Manulife to provide holiday premium on customer who experienced a natural disaster such as in Aceh. Also visit the customer service involved in the accident on the road or in remote areas. So, the customers do not even need to bother making claims, everything is taken care of by Manulife.

There are many programs that can run the company to create the element of surprise or beyond expectation. However, such things are not without a certain cost or consequence.

The most important thing in providing service beyond expectation lies in the human elements. This is due to elements of men that usually face problems when presenting the service beyond expectation. For example, the service quick service will largely depend on human expertise. If expertise is less, may actually be faster than the old impressed.

In addition, the supporting infrastructure. Without the infrastructure, it is definitely difficult to service beyond expectation created. For example, premium holiday program will not be satisfactory if the fault system, customers should get a free premium, that is regarded as dereliction of premium payments.

Therefore, to provide service beyond expectation is important. But if not ready, might anger your customers receive, rather than satisfaction. Are you ready to provide service beyond expectation? Let us learn from successful companies in the SQ Award this time.

Asset Allocation Approach for Individual Investor

An investment strategy that aims to balance risk and reward by dividing the portfolio of assets in accordance with individual goals, risk tolerance and investment horizon. The three main asset classes - equities, fixed income, and cash and equivalents - have different levels of risk and return, so each will behave differently from time to time.

There is no simple formula that can find the right asset allocation for each individual. However, the consensus among most financial professionals is that asset allocation is one of the most important decision that makes investors. In other words, your choice of individual effects secondary to the way you allocate your investments in stocks, bonds, and cash and equivalents, which will be the primary determinant of your investment results.

Asset allocation mutual funds, also known as life-cycle or target-date funds, an effort to provide investors with portfolio structures that address investors' age, risk appetite and investment objectives with the appropriate asset class divisions. However, these critics point out that arriving at a solution approaches the standard for allocating portfolio assets is problematic because individual investors require individual solutions.

Asset Allocation as a Tool for Investment

1. Asset allocation is an Investment Planning Tool, not the Investment Strategy ... investment professionals who understand the difference, because most think that the Investment Plan and Financial Planning are the same thing. Financial planning is a broader concept, and one that involves such non-investment considerations as Wills and Estates, Insurance, Budgeting, Trusts, etc. Investment Plan occurred in the Trust, Endowments, IRAs, and other Brokerage Accounts that come into existence as a result of , or without, Financial Planning.

2. Asset Allocation is a planning tool that enables the Investment Manager (you, if you have not hired one) to structure the investment portfolio in the most likely to achieve the objectives of each specific investment portfolio and overall investment program. Asset allocation is the process of planning how an investment portfolio that will be divided between the two basic classes (and only two classes) of investment securities: Equities and Fixed Income. Security sub-classes have little relevance.

3. Equities are the riskier of the two types of effects, but not because of fluctuations in the price of their basic character traits. They are risky because they represent ownership in a business enterprise that could fail. The risk of capital loss can be moderated or minimized in the selection process of security and management control activity called diversification. The main purpose for buying equity is to sell them for capital gains, not to save them as trophies to brag about in chat rooms. They are less risky than others, the efforts of non-fixed income. fixed income securities is less risky because they represent debt of the issuing entity, and the owner has a claim on the assets of the publishers who excel with the holders of Equity and lawyers salivating class actions. With proper selection criteria and diversification, the risk of capital loss is negligible and price fluctuations can be ignored except that they provide trading opportunities. The main purpose of the income effect, both for current consumption or for use in the future.

4. An Asset Allocation Formula is a long-distance, semi-permanent, planning decision that had nothing to do with the market or any hedging. It is designed to produce a combination of Capital Growth and Income that will achieve long-range personal (pay the bills) goals of the individual. Thus, should not play with because of expectations about anything, or rebalanced arbitrarily because of natural changes in the market value of one asset class or another.

5. Asset allocation is the only drug that has been proven to inflation. If properly managed using the 'Working Capital Model', it will almost certainly increase the level of portfolio income by more than the inflation rate, which is a measure of purchasing power of your dollars, not the dollar value of securities purchased.

6. In addition to the potential of failing to keep up with inflation using Equity Only asset allocation, regardless of your age, greed management becomes more of a problem. In a rising market, evidenced by more profit taking opportunities than bargain a lower price, investors tend to take positions in lower quality issues, current story stocks, new issues, etc. 'just be there. A% 30 or so Fixed Income allocation can be a major focus factor. How did that to throw cold water on an old Wall Street adage.

Kaspersky: Spreads Market by Doctor Virus

For lovers of information technology (IT), a name well known as Kaspersky antivirus enabled sophisticated. Today, Kaspersky diligently pursue a market through various media. One of them via the internet form DokterVirus site.

Data storage security is crucial today. The rapid development of computer technology, the more prone to security file (file) data we have. Due to frequent virus attacks the data file, now many products that offer anti-virus program for data protection. Of the many anti-virus, Kaspersky is a product that is well known.

Today, Kaspersky is a market leader in antivirus and Internet security products. This product is the output of Kaspersky Lab, Russia-based company that specializes in security applications. Since early 2008, Kaspersky Lab appointed PT Astrindo Servia as the sole distributor for Kaspersky Consumer Product sales in Indonesia. The existence of these distributors facilitate the user's PC and mobile devices in Indonesia to get the Kaspersky antivirus program. PT Astrindo Servia was founded in 2006 with the aim to help develop the market of information technology (IT) in Indonesia. With a distribution network of the broadest, diharapan leading information technology can be enjoyed by the whole society in the country.

According to Joni Irwanto, General Manager of PT Astrindo Servia, antivirus and internet security nowadays has become mandatory software that must be owned by each user's computer. The rise of internet use and easy to access data that is available on the internet make the higher the threat to the infected computer for viruses, spyware, malware, and more.

Since its establishment three years ago, the development of a dynamic PT Astrindo Servia classified in accordance with the development of IT industry in general. This company is one of the distributors of IT is quite careful in choosing a quality product and according to the Indonesian market. In accordance observations company, Kaspersky is the Best Antivirus product for several years.

Target market and segment targeted by Kaspersky are all computer users, both netbooks, notebooks, PCs, and servers. Kaspersky reach all existing societies. "Our market share is the consumers who are particularly vulnerable to viruses and other threats. In addition, we also target the segment of small and medium-sized businesses (SMEs), "said Joni.

Regarding the price, Kaspersky products are quite competitive and relatively affordable, ie starts at USD 250 thousand for the most basic product. However, the barriers facing today is the level of awareness of computer users are still low on the use of antivirus products quality, and also the level of software piracy is still high.

Various advantages and benefits of Kaspersky antivirus is the reason the community in choosing this product. Apart from very easy to install and use, this product is the fastest antivirus update it. Both these factors make Kaspersky very interested by all circles both fluent IT and novice computer users.

For its marketing strategy, the company focuses on communication to enhance brand awareness and education on a regular basis through training and seminars to business partners and users of the product. In addition, no less important is the attention to the availability of such products in computer stores, making it easily affordable by the consumer. "We provide a convenient distribution point for the buyer, through our business partners spread all over the country, or purchase online through www.doktervirus.com," said Joni.

Joni recognized, in addition to innovations in technology, marketing strategies and education to the community about the importance of using quality antivirus also be an important factor in helping increase sales.

To strengthen market penetration, Kaspersky pursuing a strategy of communication through various media, whether electronic, print media, and exhibitions (such as that done some time ago through the exhibition at the JCC). Consumer's voice did not escape are taken seriously. The company also received advice, either directly or indirectly, from the prospective users. "Suggestions are directly is via seminars, training or web survey. While that is not directly is through the comments from our business partners, "said Joni.

Although many other antivirus products on the market, but there are no other products that compete directly with Kaspersky. This is because each product has the characteristics of each. Kaspersky has several advantages over similar products in the market. Among these are her support network spread all over Indonesia. Through the hotline, e-mail, as well as business partners of PT Astrindo Servia scattered in various regions, consumers will feel safe and comfortable in using products Kaspersky antivirus and internet security. In addition, all existing processes in Kaspersky also diautomatisasi better user experience. The process of updating, scanning, and so on are made automatically to reduce user interaction. The update process is very fast and performed almost every one hour once to anticipate the development of the virus very quickly.

Another advantage is, feature HIPS (Host-Based Intrusion Prevention System) technology to maximize the cutting-edge algorithms to prevent intruders accessing a computer and a virtual keyboard technology that allows us to conduct online transactions safely. Then parental control features that are also very effective in preventing the negative effects of the internet for children by limiting the browsing behavior of users according to age.

One thing that makes PT Astrindo Servia Kaspersky successfully market their products here is their consistency in managing three things, namely to develop a good product, a smooth supply of products, as well as pre and post-sale service is perfect.