Thursday, March 01, 2007

Marketing Consultation from the Local Coffee Shop

Since 1995, members of the CreatiVerve team and its founder Daniel J. Rocca have been meeting clients and potential clients at area coffee shops. Daniel explains… “I initially preferred to meet clients at the coffee shop because I didn’t have an office and I wanted the arrangement to be equal; no one sitting behind a desk and no one sitting in front of one. No office phone or company personnel to take the attention away from either side of the discussion. I continue to prefer the coffee shop for the initial client/provider meeting because there is no better place to learn about a person than at a neutral setting.

Our business is about people and to do our job correctly we need to know as much as we can prior to getting started. An office and its environment can be very misleading; it can also cause one to make unfair judgments prior to learning about the people involved. Standing outside the box, when the situation allows; I highly recommend meeting with people over a cup of something hot at a neutral setting.”

Specializing in Marketing Consultation and Creative Direction, the CreatiVerve maxim reads… “Marketing is the Answer… for your business, product, service and you.” After reviewing the CreatiVerve website at: (which for the record is a very impressive, clean and professionally designed website) I am thoroughly convinced that CreatiVerve is worth reaching out to. I would also have to agree that Marketing may very well be the answer regarding anything to do with the success of a product, service, business or you!

It was a positive experience visiting CreatiVerve Online, if you have the time to do so I suggest you drop by and bookmark the site; you never know when you or a friend might need a forward thinking Marketing Solutions Company! I also recommend reading the article entitled “A Balancing Act” by Daniel J. Rocca, it told me a lot about him as a person and I found it to be a very refreshing read.

Wednesday, February 28, 2007

Credit Cards or Store Cards

Many people may not realise that there are various differences between store cards and credit cards. In fact, it seems that people think that store cards are often a lot cheaper and easier than credit cards, but that is not always the case. Whilst credit cards can have high interest charges, often store cards are a lot worse and consumers end up paying a lot more back than they should be.

The reason that people are drawn into applying for store cards is the discounts. Most stores have their own card now and they offer discount prices of 20% off their products if you use their card. However, what they do not tell you is that the 20% you are saving off the original price of the clothes is actually made up from fees.

So, whilst credit cards can get you into debt, store cards are usually worse. That means that credit cards are probably a safer choice but it is always worth looking at various different ones before applying. No matter which card you do decide to opt for, both need comparing and you need to rally shop around, compare credit card offers to find the best deals. Do not just opt for the first one that you are offered and ensure that the card will be worth it before you apply.

Remortgages – Would You Add Another Mortgage?

Remortgages – Would You Add Another Mortgage?

If you are considering a remortgage for your home then there are various factors which you will need to take into account. Firstly you need to look at your current mortgage plan and see just how good it is compared to other lenders out there. Then once you have figured out whether it is in fact better to move to another lender, you will then have to see whether it will cost you.

Basically if you have a variable mortgage plan at current you should find that you can easily look for a new mortgage straight away. Again, with a flexible mortgage plan you can change companies whenever you like without having to pay anything. However, with a base rate tracker you may have to pay redemption penalties for changing over and with a variable with cash back option you could well have to pay the difference between the cash back value.

So, it is all about knowing where you stand at present and what other deals are out there. Check to see that you will not be paying a lower amount for only a certain time period by apply for a remortgage quote. Some Lenders fool you into thinking that the lower fees are applicable all of the time but in their small print it clearly shows that it is only for the first year or six months, depending upon the company. Once you have all of the information that you need it is only then that you can make a decision on whether or not to remortgage your home.



The property market in Dubai is joining in with the ‘all you can handle finance options’ and banks are competing to offer the best deals. With more and more people looking to purchase property in Dubai, the country has certainly done its research and found that most people, especially foreigners who are not familiar with the country, easily and willingly get themselves into debt.

A quick look at how the UK property market operates is enough to give Dubai plenty of ideas as more and more people are diving in to get mortgages. It does not matter how much the prices rise by as people want to get onto the property ladder and mortgage lenders take full advantage of this. However, Dubai doesn’t want to get finance from there, they get it from elsewhere as it is usually cheaper. People who are moving to Dubai should really get advice from a broker beforehand as otherwise they could end up being conned out of a lot of money. So, ensure that if you do want to invest in property over there, that you get a reasonable rate for any loan that you agree to.

Moving abroad can always be an adventure but it will not be much of one if you get stuck with a high mortgage!

Sunday, February 25, 2007

Real Estate Directory

Real Estate Directory

Finding the right real estate agent can be a challenge. There are so many companies that claim to set you up with "pre-screened" Realtors(R). The reality is that the only screening that is done is that the agent must have a credit card that can cover the monthly fee and a valid license. Pretty sad that these companies get away with this. The worst part is that companies like these only increase the cost to the real estate agents and in turn to you the consumer.

A new directory is being set up by a group of real estate agents. It will provide free information to the public about agents and the areas they serve. So whether you are moving to Illinois or Nevada you will be able to find an agent to help with all of your real estate needs.