How To Ensure Your Trade Show Graphics Compel The Crowd As Part Of Your Business Marketing Exhibits

When designing trade show displays for any business, there are several key considerations that come into play throughout the process. The size and ultimate final footprint of the trade show stands are important factors as they will dictate the space needed for setup as well as overall shape, fit and finish of the piece. Inside features for exhibits are also important. Items like shelving, cabinetry and counter spaces must be coordinated to ensure proper organization and storage at each event.Trade Show Graphics: Essential For Enticing Visitors To Stop By Your BoothWhile these facets are important to the overall success of trade show displays, there is one critical element that could potentially prove even more vital: trade show graphics. The images and photos of the finished booths are essentially the signage and outer exhibits projected at the wandering crowd. In a sea of diversions and distractions, it is ultimately a business’ graphics that can grab the attention of event attendees and compel them to stop and visit a particular booth.Things To Consider When Strategizing Your Company ImageryAs with any type of marketing image, the first thing a business should consider is the color scheme and eye-catching appeal of the picture. While some businesses may feel tempted to use internal resources when implementing imagery layout on their company exhibits, this is often a process best left to the experts. It’s important to remember that working with a reputable exhibit design team means that the sky is virtually the limit when it comes to placement and other features specific to the photos that will be used in your final trade show displays. Careful planning on your part can help you best leverage your design partner’s expertise and create a final product that successfully grabs the crowd’s wandering eye.First, strategize the most important internal components to display throughout the booth. Does your company have an updated logo and other company specific graphics such as motto, slogans and taglines? If so, these should absolutely be a part of your final design. Using brand imagery throughout the booth is a great way to get the crowd engaged enough to want to stop in for a closer look.Next, it’s time to brainstorm with your sales and marketing team to determine the images that best capture what your company is truly all about. Using current, internal photos is fine as long as the pictures have the appropriate properties for reproduction enlargement on the exhibit. If your organization does not currently have images worthy of your trade show displays, get some. Hiring a professional photographer to take product pictures is a great way to ensure you receive quality images with artistic flair that can be distributed visually throughout your booth. Most importantly, these photos will convey in a single image exactly what your company provides consumers and encourage visitors to learn more about your business at each event.

When You Tell People How To Make Money Online They Question It

For the longest time the Internet would scare people away when it came to earning money. They felt they could not handle the process. More and more people are trying to earn money online than ever before. Much of this can be attributed to the economy that has been struggling throughout the world. Even if you tell people how to make money online many times that still will not help. You think telling people how the process works is all you would need to do. The truth is many times it never works out for some people. Here is why for some making money online can be a real tough proposition.Getting a check from the Internet is something millions have never enjoyed, but just as many have. The lure of being able to sit in front of your computer and earn money is what keeps people coming back. One thing that many people fail to realize and that is earning money online is a real job and not some game. It is hard work and many times tougher than an offline job you may have.


It is easy to lose focus when you come online for the very first time. People who have never tried to earn money online are star struck by all the opportunities that are available. With the world being your marketplace you have many different options. The key is not to lose your focus which many people do and that stops them from earning money.After a few weeks or months online people tend to go their own way. Advice that is given is not use and they prefer to show people they need no one. This is a big mistake because the learning curve online can be very lengthy. By not taking advice it will just take longer to earn living online.For people who think they need no money to earn online better get that out of their head. No matter what you do online many times you may need to put in some of your own money. Yes there are success stories that started with nothing, but those are rare.


You can be successful online, but it is not going to happen overnight. You must pay your dues and work hard for everything you get. We all would like instant success, but for most it does not happen that way. It is a process that will take time so bear that in mind.Anyone can tell people how to make money online, but the success will depend on many different factors. The key to online success is never give up and take all the advice that is given. You may not use it all, but it never hurts to listen to successful people.

Book Ghost Writing As a Process

It’s an interesting relationship between a book ghost writer and her client, the book author. The client has the original ideas for the work, and the ghost writer is there to bring them to full fruition. In other words, they work on the book together, with the book ghost writer being a professional who does most of the actual writing of the book, while the client only assists with the ideas.Well, not exactly. There’s more to it than that. In fact, the client or original book author is an integral part of the process, and in fact is writing his own book through the book ghost writer. Book ghost writing is a process, which I’m going to try to break down for you my way, fine-tune experienced after over a decade of book ghost writing. It begins with the client, and is finished through the work of the ghost writer.The client starts the process, after contacting and hiring the ghost writer, by signing a book ghost writing contract with the writer outlining everything important, such as the legal rights of both parties, who exactly keeps the copyrights, who gets the credit for the book or shares it, etc. Then the client makes a small deposit, such as $5,000 to start, for keeping the professional writer’s time open to work on the book. This can be a completely non-refundable deposit, or half of it can be refundable under certain circumstances, such as the client cancelling the project or the book ghost writer being unable to begin work on it.Once the project begins, a great first step is for the client to create a book outline and a time line laying out the book’s contents in chronological order. These documents can be sketchy at first, worked on more and filled out later, even being expanded into a table of contents as a further guide for working on the manuscript. Each document only needs to be about one page long. They engrave nothing in concrete, and each can be altered to suit the needs of the overall project.


Next, emails containing attachments in Word or Word Perfect documents, and in my case I prefer to work in Word, are exchanged between the client and the writer. The client starts this by typing out from the beginning of the book until the end, in gradual stages as needed, the book’s contents as envisioned. This can be added to later, and fully edited and rewritten by the ghost writer. Basically, the client at least needs to lay out the ideas of the book as expressed by him, and then flesh them out somewhat for the writer to have material from which to work.The book ghost writer can do light to heavy research and add related new material by using the resources of the Internet and the local library system. The emails and phone calls between both parties assist the professional writer in shaping, creating, editing, rewriting, proofreading and fully completing the book manuscript. Along the way, the client or book author shares ideas, tells the book ghost writer how he wants his manuscript laid out and written, gives the writer details of the book, and supplies more general ideas and guidelines about the book’s materials.It is best if the client sends all of the actual information to be worked on with his ghost writer in several email attachments, rather than sending them over the phone or in the bodies of emails as written copy. Some background materials can be on real paper, but generally ghost writers can’t work from handwritten notes, and while some ghost writers use scanners and can scan in typed documents, it’s easier to already have the documents in electronic format. MS Word is the most common software.Phone calls can be made on a regular basis; you can also arrange Skype conferences and IM or instant message meetings. It’s best for a book ghost writer to always have written records, albeit electronic ones, of everything, so I try to avoid phone calls except for using them for info about the project, not the project itself, or to bring each other up on what’s going on in general. I like to have everything in emails and attachments whenever possible. It’s something solid and reliable in front of me, which I can check on all throughout the project.The client basically lays out the book’s ideas and overall structure, and the ghost writer fleshes everything out and edits it into a professional, readable, polished book, also properly formatting the manuscript and preparing it to be presented to a literary agent and then a commercial, independent, boutique or self-publisher. The book ghost writer may only ghost write the work in progress, and a separate copy editor and even a separate proof reader may be hired to go over the finished manuscript; or the ghost writer may offer included editing and proof reading services. I do this myself when I ghost write, including the price of editing and proofing the manuscript within the overall book ghost writing price. However, if you can afford this, it’s always wise to hire another outside book editor for a second set of eyes.The client may ask questions or raise concerns with the book ghost writer at any time during the book ghost writing project. This should be encouraged by any professional writer in order to facilitate the process of creating a solid, well thought out and well written manuscript that reads smoothly, has few typographical or other errors, has been thoroughly fact checked by both parties, and is otherwise ready to present to an agent and then a publisher. The writer’s job is to help the client, the original book author, to craft a book that reads if needed as though it was written by the author client, or at least one that reads professionally well. The ghost writer may work in either the client’s voice, which should come through in the client’s original writing, or in her own voice if the book author doesn’t mind some added creativity in the process.


Also, credit for the work may be shared, with the book ghost writer’s name being featured on the cover under the famous “As told to… ” method underneath the book author client’s name. Or the ghost writer can be not mentioned, with all credit, royalties and success going to the author client. In either case, the advance payment made to the professional writer is her main resource, as the thrust of writing a book for someone else is to make a living at helping you to produce your book project. The writer deserves the relatively high pay, as the book project often lasts from three to six months or longer, and the client is supposed to receive a well written, beautiful, awesome new book, one which hopefully will sell to its selected markets.At our company, we have many resources at our disposal which involve assisting you in finding an agent and publishing your book, and methods for marketing, promoting and selling your book. We can also guide you to our partners and other networks outside our company which will assist you in arranging book advertising and sales. You may already have business or personal sources you can also use to promote sales.One last thing: remember that you aren’t writing a book only for yourself, or even just your family and friends. You’re creating a wonderful work of art for both its readers and your long-term posterity, so you should aim for capably reaching out to its audience. Keep your readers forever in mind, trying very hard to write more for them than merely for you, your dreams and your book ghost writer.

India Debt Collection Business

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.


GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.


US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.