Platform Togel Terbaik untuk Pengalaman Bermain yang Lebih Mudah dan Aman

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Togel adalah salah satu jenis perjudian yang paling terkenal di Indonesia. Meskipun ilegal, tetapi masih banyak orang yang memainkannya secara online. Salah satu platform togel online terbaik yang tersedia saat ini adalah Sdsbtoto slot togel. Dalam artikel ini, kita akan membahas tentang Sdsbtoto slot togel, qq toto link alternative dan fitur-fiturnya, keunggulan-keunggulannya, serta mengapa Sdsbtoto slot togel layak dipertimbangkan sebagai pilihan utama anda untuk bermain togel online.

Fitur-Fitur Sdsbtoto slot togel

Sdsbtoto slot togel menawarkan berbagai fitur yang lengkap untuk pengguna yang ingin memainkan togel online. Salah satu fitur utamanya adalah berbagai jenis permainan togel, seperti 2D, 3D, 4D, colok bebas, dan masih banyak lagi. Ada juga banyak pasaran togel dari seluruh dunia yang tersedia di platform ini, sehingga anda memiliki banyak pilihan untuk dipilih sesuai dengan preferensi anda.

Selain itu, Sdsbtoto slot togel juga menyediakan sistem keamanan yang sangat baik. Setiap transaksi yang dilakukan pada platform ini dienkripsi dengan standar keamanan tertinggi untuk memastikan bahwa informasi pribadi anda dan uang anda selalu aman. Selain itu, Sdsbtoto slot togel juga bekerja keras untuk mencegah penipuan dan aktivitas ilegal lainnya.

Keuntungan Menggunakan Sdsbtoto slot togel

Ada beberapa keuntungan bermain togel online di Sdsbtoto slot togel yang tidak bisa didapatkan dari platform lain. Pertama-tama, Sdsbtoto slot togel menawarkan layanan pelanggan yang cepat dan profesional. Tim dukungan pelanggan tersedia 24 jam sehari dan 7 hari seminggu untuk membantu anda dengan pertanyaan atau masalah yang mungkin anda alami ketika bermain togel. Anda dapat menghubungi mereka melalui live chat, email, atau telepon.

Kedua, Sdsbtoto slot togel menyediakan tampilan yang sederhana dan mudah digunakan. Platform ini dirancang untuk memudahkan pengguna dalam melakukan transaksi dan bermain togel. Anda dapat mengakses semua fitur platform dengan mudah hanya dengan beberapa klik mouse atau sentuhan layar.

Ketiga, Sdsbtoto slot togel memiliki program loyalitas yang memberikan lebih banyak keuntungan bagi para pemain yang setia. Program ini memberikan bonus-bonus dan promo-promo menarik yang dapat membantu meningkatkan peluang anda dalam memenangkan hadiah besar dalam permainan togel.

Keempat, Sdsbtoto slot togel menawarkan banyak pilihan metode pembayaran yang aman dan mudah digunakan. Anda dapat melakukan setoran atau penarikan uang melalui transfer bank, kartu kredit, atau e-wallet seperti OVO dan GoPay.

Terakhir, Sdsbtoto slot togel menjamin pembayaran kemenangan anda secara tepat waktu. Ketika anda memenangkan hadiah dalam permainan togel, Sdsbtoto slot togel akan mentransfer uang kemenangan anda ke rekening bank anda tanpa ada potongan biaya tambahan.

Mengapa Sdsbtoto slot togel Layak Dipertimbangkan?

Sdsbtoto slot togel adalah platform togel online yang layak dipertimbangkan untuk pengalaman bermain togel yang lebih mudah dan aman. Berikut adalah beberapa alasan mengapa Sdsbtoto slot togel merupakan pilihan utama untuk bermain togel online:

Fitur lengkap dan beragam

Sdsbtoto slot togel menawarkan berbagai jenis permainan togel, pasaran togel dari seluruh dunia, sistem keamanan yang baik, layanan pelanggan yang cepat, program loyalitas, banyak pilihan metode pembayaran, dan jaminan pembayaran kemenangan anda secara tepat waktu.

Pengalaman bermain yang mudah dan intuitif

Platform ini dirancang untuk memudahkan pengguna dalam melakukan transaksi dan bermain togel. Anda dapat mengakses semua fitur platform dengan mudah hanya dengan beberapa klik mouse atau sentuhan layar.

Kesimpulannya, Sdsbtoto slot togel Online adalah platform togel online terbaik di Indonesia saat ini. Dengan fitur-fitur yang lengkap dan sistem keamanan yang baik, anda dapat menikmati sensasi bermain togel dengan lebih mudah dan aman. Jadi, tunggu apa lagi? Daftar sekarang dan mulailah meraih kemenangan anda dalam permainan togel!

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Your Search Engine Marketing Campaign

Achieving top positions in search engines such as Google, Yahoo, and MSN is not an overnight success. There are many factors involved in search engine marketing that can lead to grabbing those top spots. You cannot just upload a webpage to the web and expect instant traffic and ranking without a lot of work first. Of course you can always PAY for advertising to get more instant exposure in the search engines, but what I will outline in this article is what you need to do to gain increasingly more traffic and higher ranking positions in the search engines. Successful search engine marketing means an ongoing cycle of submission, tracking, measuring results, modifying submissions, resubmitting the submissions and then re-evaluation.

There is a basic formula at the core of any online venture and search engine marketing is no different:

If you want to make money it takes 2 things: traffic and content.

You can have all the traffic in the world, but if you do not have what they want, they are not going to buy in.

In the same sense, if you have tons of content on your site but no one ever comes to see it, you are not going to make money. Content without marketing that content does not mean as much as it did a few years ago.

Traffic and website content go hand in hand and are the necessary evils in making money online.

There are numerous ways to gain traffic to your site, some free and some for a price. Since we are focusing on the free stuff, here are some examples:

  • submit articles related to your niche to online content sites (such as EzineArticles.com)
  • create a blog with the theme around your niche and ping it
  • submit your web site to the search engines
  • submit online press releases
  • participate in forums related to your niche
  • create a newsletter that visitors can opt in to
  • trade links with other sites that have similar themes
  • create a short eBook that could be given away at sites related to your niche
  • create a short video on your niche and submit it to video sharing websites

Guess what – it is going to take a lot of work. This is not something you can just choose to do once a week or whenever you feel like it. Think of your search engine marketing campaign as a plant. If you do not water the plant on a regular basis – it dies. That plant has to be nurtured all the time – for as long as you want that plant to exist. The same is true for your marketing campaign. If you have heard the hype that it is easy to “make it” with internet marketing, you have been led astray. I would hazard to guess you will probably spend more time working on your search engine marketing campaign that your full time job! Stick with it, and you will have success – not over night, not next week or maybe even next month.

A short word on the content side of the formula.

No more are the days that you can just pick up and reuse other people’s articles on your site as a fix for populating website content. The search engines are more and more savvy to this and you could potentially harm your chances of getting higher rankings. You have to be original and create your own content these days.

Original content is key these days to any search engine marketing campaign – so get out a pencil and paper and start writing as much as you can. It doesn’t all have to be 1000 words plus or up for Oprah Book of the Month. People are always searching for helpful articles. Always write from the perspective of the searcher. You are the master of your niche, so get at it and give them what they want – informative, unique and original content.

Once you have established a routine for submission and development, it is time to stand back and evaluate what works and what does not work. You know that saying, “if it isn’t broken, don’t fix it”? Hey if you get something that is working – for Heaven’s sake, leave it alone!

Campaign strategies that are not working need to be looked at from another angle and re-developed and working for you. Consider your audience as well – is it too narrow? What can you do to broaden the viewing audience without losing site of the niche?

Are you ready for really hard and labor intensive work? To be honest, if you are not, then search engine marketing might not be for you. Before you waste money on all the get-rich fixes out there, give it a go on your own. Everyone makes the same mistakes in the beginnings – trying to find that golden egg to search engine marketing only to discover shortly after wasting their money, the golden egg was just a rotten egg.

Good luck in your endeavors. Keep a stiff upper lip and be determined that you will make it.

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Google’s Siren Call – Is It Crashing Your Search Engine Marketing?

It’s difficult to dispute the rational behind the rant since Google continues to outpace its rivals in popularity with an 89% “strongly positive experience” rating from an opinion poll of U.S. Adult Internet Users conducted by eMarketer in early 2005. Google certainly achieves mass exposure and logically it’s fair to attribute a first position ranking to gaining access to the masses.

However, your success in search engine marketing should not be reliant on a single source of visitors. Although the convenience of focusing on Google is comforting in the whirlwind of new search and Internet technology, the outcome from it could be disastrous to the growth of your business.

An effective search engine marketing strategy leverages the advantages of all of the major search engines and their advertising channels including natural and paid.

Why?

Here are three essential reasons why you should expand your search engine marketing strategy beyond just Google, paid search or any other singular search engine marketing strategy to encompass the broader opportunities available for your business.

(1) Paid versus Natural Search: Relevancy and Conversion

A common strategy of search engine marketing companies and Internet marketers is to bid for the top paid search listing in Yahoo Search Marketing (formerly Overture) or Google AdWords as a way to acquire the perceived “bread and butter” position in the search results page. The concept is that a search result appearing at the top of the list is the most relevant to the search users’ keyword query and therefore will receive the most click-throughs and conversions.

However, research from Enquiro as well as many other research firms, found a “significant amount of confusion over sponsored links.” In the research conducted, over 77% of participants when performing a product research search choose a natural listing over a paid listing. Even during an actual purchase scenario, 67% of participants still choose a natural listing over a paid one.

And what about Google specifically? The Enquiro study showed that 85% of Google users choose a natural listing while 14% clicked on a paid “sponsored” link. The study stated that, “Google users also had the lowest level of confusion about what was a sponsored link on the search results page.” Compare these numbers to 42% of search users on non-Google search engines like Yahoo and MSN choose a sponsored link over a natural listing.

Also, the conversion rate whether sales or leads may be affected by the source of a website visitor’s click-through. A study conducted by MarketingSherpa called “Search Marketing Metrics Survey” in July 2004, showed that “conversions from (natural) search engine results are 25%+ higher than paid search ad conversions.” Relevancy from search result listing to website is critical however you also need to consider the relevancy associated with the ad type – paid versus natural.

So you know the insight – what’s the solution?

Easy – don’t get caught up in an “either/or” decision, as a search engine marketer you must focus on both natural search through search engine optimization and paid search.

As the Enquiro study stated, “Unless a company is willing to forfeit either 70% (in the case of natural) or 30% (in the case of paid) of their potential market to the competition they have to seriously consider both search channels.”

(2) Cross-Search Engine Builds Brand Credibility

Tempting as it may be to put all of your eggs in one basket for convenience sake, Google is not the only major source of quality website visitors. In the most recent search engine rankings issued by Nielsen/NetRatings in March 2005, Google was first with 47% of searches (among work and home users in U.S.); Yahoo second with 20.9% and MSN third with 13.6%. If you only focus on Google, you are missing access to over 53% of the marketplace.

In addition, another separate study conducted by Nielsen/NetRatings determined that “the majority of Internet searchers use mutliple search engines.” As a ClickZ article written by Rob McGann on February 28, 2005 stated, “The (Nielsen/NetRatings) study found that 58% of Google searchers also visited at least one of the other top two search engines, Yahoo and MSN Search.”

So what happens when a potential customer finds your search listing on Google yet you are no where to be found on MSN or Yahoo? What if they only see a sponsor listing on Google which they immediately view as less than relevant? How about a major slam against your credibility?

Yes – that’s right. Because of the wide-spread utility of the internet for research and consideration during a buying cycle, if you are not found across search engines for a particular keyword search, you don’t exist in the eye of the searcher as a potential option to fulfill their needs. On the other hand, if you are found across multiple search engines, you instantly receive a relevancy and credibility boost.

So you know the insight – what’s the solution?

Focus on generating search result listings for at least the top three search engines – Google, Yahoo and MSN. Because these three feed a number of other search engines like AOL and AskJeeves (for paid listings) you will gain cross-search engine exposure.

In the worse case, work on generating natural search listings in Google and perform paid search in Yahoo and MSN using Yahoo Search Marketing (formerly Overture) to achieve the broad search exposure.

If search users are adopting multiple search engines to conduct their keyword searches then build your credibility with them by appearing across the major search engines especially for your top brand-oriented keywords.

(3) Search Engine User Demographics

Depending on the type of product or service you are selling, focusing on just Google or any other single search engine marketing strategy may be placing you in the entirely wrong marketplace. Although absolute demographic figures are difficult to gather, a 2004 Enquiro study titled, “Search Engine Usage in North America” provided some interesting demographic characteristics for the top three search engines:

o Males are more likely to remain loyal with one search engines (primarily Google) while females are more likely to use more than one search engine (Google, MSN and Yahoo).

o Males prefer Google while females had a strong preference for MSN.

o For both males and females, a trusted site that offers unbiased information with the natural search results was the strongest preference.

o As educational levels increased, an affinity towards Google increased as well. This may imply that Google uses are more sophisticated.

o Google users were more Internet savvy than non Google users therefore, for technology-related products Google may be a better source of qualified visitors while MSN and Yahoo may be better for non technology-related products.

So you know the insight – what’s the solution?

Visitor behaviors are dynamic – they have a tendency to change as frequently as the weather. Therefore, do not assume that your potential customers are sophisticated and therefore reside in the Google pool. Instead, use paid search engines to test all three major search engines to generate a sense of where your potential customers hang-out. Once you find a populated pool of qualified visitors work on building your natural search listings to support and ultimately replace your paid search engine strategy.

Although it is easy to want to simplify search engine marketing by focusing all of your efforts on the biggest and most popular search engine, Google – it is business smart to avoid the temptation. Yahoo and MSN are prominent players in the search engine market and may possess hidden gems that could explode your business growth. Even more so, moving beyond the top three search engines is also important to extend your brand exposure on an international level.

By focusing your efforts across the top three search engines whether using natural or paid listings, you are placing yourself in the best position to build credibility, relevance and conversion – the main variables that lead to significant search engine marketing success for your business.

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9 Important Points for the Best Ecommerce Web Development

Today, internet without the ecommerce can’t be imagined. Trade will be everywhere, it is a universal thing and this will rule the world till it exists. However, today’s ecommerce has come a long way because people today know the importance of ecommerce web development and web design. This is the biggest reason for attracting huge amount of customers to your website and this is why the internet is currently flooded with a number of ecommerce websites.

Due to this the competition in the online market is growing thicker and thicker with passing day and it’s not that easy to go ahead of others. To achieve the best in the online world you have to design a website that will be the simplest of all, easy to use, quick in functioning than you can certainly make a good image among the customers. Here is a list of things that good and highly effective for ecommerce web site design and development.

1. The first and most important page is the home page of a website and it should be made professional and highly attractive so that the first impression of the website should remain in the user memory and as we say “first impression is the last impression.”

2. The website should convey some kind of purpose, it should be goal oriented otherwise there are website that doesn’t have anything to say rather than distracting the customer unnecessarily for increasing their web page traffic.

3. A good and effective ecommerce website should completely represent your company and customer satisfactions for the best results are the two sole motives an organization should follow.

4. Customer demands and needs should be taken into consideration so that people will love your website.

5. Ecommerce web site design should be highly communicative so that without actually promoting anything you can signify the user about the idea and purpose of your website.

6. Proper navigation on the website is very important otherwise the user may get irritated and will leave your website.

7. A filter search option is very necessary for the customers.

8. No hidden charges, multiple payment options and a secure way of checking out are very important and will maintain the trust of the user in your website.

9. A good ecommerce website along with effective SEO strategy will give the website a leading edge among others. Therefore, it is very important for with good design good SEO services should be included.

From the above points you can realize the importance of ecommerce web development and design. It is equally important to pick up the perfect company for your website otherwise you cannot cash on the ideas.

• Choose those professionals who have a commanding knowledge over various programming languages.

• Go for those who are using the latest technology and remain updated with the technology.

• Analyze their profile and look for references and most importantly previous work experience and history so that you can gain confidence over their work.

• Select those ecommerce web site design companies who are capable to build online shopping carts considering the time and budget.

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Feature Rich Ecommerce Web Design

It is essential to strategize innovative concepts in accelerating faster business amidst today’s stiff market competitions. Various IT companies have emerged with online marketing concepts and ecommerce applications. These help in creating brand equity, brand positioning as well as promoting products or services of companies across different industry verticals. Besides, strategic planning, effective media planning and thorough market analysis also play a significant role in promotional campaign.

Ecommerce solutions are ideal for small as well as large scale entrepreneurs. Available with user friendly applications, these reduce marketing and advertising costs and creates strong customer base. Such solutions available at cost effective rates are developed by experts. They undertake strategic programs including- shopping cart optimization, shopper behaviour, conversion tracking, category and product structure, design, usability, Google products optimization, search engine optimization, etc. Various attractive and professional ecommerce websites help in enhancing business prospects over the internet and extends global reach. Software professionals engaged in ecommerce web design take account of business specific models of clients. They develop feature rich websites with attractive flash presentations that helps in targeting prospective customers thereby driving maximum traffic to the site.

Besides, web shop development services helps in online shopping. Offering greater choice at optimal price, these provides broader selection platform with greater access to information. These have revolutionized the marketing concept and have facilitated in building strong customer base. With easy navigation, browsing and easy payment gateway options, web shops generate valuable information about business to the customers. These are beneficial for B2B, B2C and other business domains. Ecommerce web development meets today’s ecommerce challenges and are created on the basis of certain proven methodologies. Facilitating in online shopping, these help in attaining the best business solutions. Attractive ecommerce websites carry the potential to edge over competitors in market and are suitable for B2B, B2C and other businesses. Such websites play a vital role in promoting the products or services by different companies. These also creates brand equity and facilitates in building rapport of respective companies.

Besides, Magento ecommerce development renders perfect business solutions. Such cost effective software solutions provide greater access to information. Magento software offers complete flexibility for enhancing the look, functionality and content of any online store. Various ecommerce applications offer best ecommerce shopping solutions and also tracks customer behaviour. These facilitate customers in easy online shopping and feature web hosting, complete security, credit card processing etc. Ecommerce applications developed by ecommerce experts include- shopping cart optimization, design, usability, shopper behaviour, category and product structure. It also includes search engine optimization, conversion tracking

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3 Advantages of Using Electronic Checks for a Business

These days, lots of discussions are taking place about electronic checks and the check payment processing systems. These payment systems offer a lot of advantages over traditional payment methods. For example, customers can use their mobile devices and computers to make payments and purchase their desired products. And the great thing is that they can do so from the comfort of their homes. In this article, we are going to discuss the advantages of electronic checks.

eCheck Payment Processing

eCheque payment solutions feature a simple check cashing system. In other words, this system is low cost as far as getting paid is concerned. Plus, the system works quite quickly, which is why it has become an ideal choice for merchants. With these solutions, merchants can meet their payment processing needs with no trouble.

Electronic check processing starts the moment a customer writes a check. The check is run through an electronic device. This reader verifies the information, such as the routing number, account number, and the check number. Besides, the system also verifies other information.

The verification of the check is completed on the basis of the agreement the payment processor has with the merchant. Then the writer of the check leaves their signature on the receipt. Afterward, the check is voided and sent back. Finally, the transaction shows up on the bank statement of the customer under the debit column.

The captured data is sent to the payment provider for further processing. And the funds take around 1 to 2 business days to be deposited in the merchant account. Therefore, this process works quite fast.

Lower Costs

The first advantage of electronic checks is that they come at a much lower cost than the traditional paper checks. As a matter of fact, the average cost is around $2. On the other hand, electronic cheques cost around 0.5 dollars. Therefore, it is possible to save half the amount against each transaction.

Time Saving and Convenience

Although this advantage is not related to cost, we know that time is money. You no longer have to depend on paper checks. Since you don’t have to sign this electronic checks, you can save a lot of time. Apart from this, you don’t have the problem of losing these eChecks.

Reliability and Security

Another great advantage of these units is that they have an automated system that depends on the ACH network. Unlike a paper check, electronic checks come with a higher level of security. In other words, the encryption system verifies the dollar amount, digital signature, and the account number against the account name.

Long story short, this was an insight into some of the major advantages of using electronic checks instead of the conventional alternatives to make or receive payments. If you have never used these systems, we suggest that you give them a go today. We bet you won’t regret your decision.

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QQTOO 88 Slot Togel: Daftar Situs Togel Online 4D Terlengkap 2023

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Saat ini, banyak orang yang memilih untuk bermain togel secara online. Hal ini dikarenakan kemudahan dan kepraktisan yang ditawarkan oleh situs togel online. Namun, dengan banyaknya situs togel online yang bertebaran di internet, tentu saja memilih situs togel online terbaik dan terpercaya menjadi hal yang sangat penting. Salah satu jenis togel yang banyak dimainkan adalah togel 4D, yang menawarkan hadiah besar untuk para pemenangnya.

Maka dari itu, pada artikel kali ini, akan dibahas mengenai daftar situs togel online 4D terlengkap di tahun 2023. Sebagai pecinta togel, tentu saja Anda harus memilih situs yang benar-benar terpercaya dan terjamin keamanannya agar tidak terjadi hal-hal yang tidak diinginkan seperti penipuan atau kerugian finansial.

Penting untuk mencari situs togel online yang telah memiliki lisensi resmi dari pemerintah atau badan regulasi yang terpercaya. Hal ini menunjukkan bahwa situs togel tersebut telah melalui proses verifikasi yang ketat dan memenuhi standar keamanan serta kualitas layanan yang tinggi. Selain itu, situs togel online terpercaya juga akan memberikan layanan yang baik dan responsif terhadap keluhan atau pertanyaan dari membernya.

Namun, selain faktor keamanan dan layanan, Anda juga perlu mempertimbangkan jenis pasaran togel yang disediakan oleh situs togel online tersebut. Ada berbagai jenis pasaran togel yang dapat dipilih, seperti togel Singapore, Hongkong, Sidney, dan masih banyak lagi. Pilihlah situs togel online yang menyediakan pasaran togel yang sesuai dengan keinginan dan preferensi Anda.

QQTOO 88 Slot Togel Situs Togel Online 4D Terlengkap 2023

Situs qqtoto 88 slot togel Online 4D Terlengkap 2023 merupakan platform judi togel online yang menawarkan permainan togel 4D dengan berbagai pilihan pasaran. Dalam bermain togel 4D, para pemain harus menebak empat angka dari 0000 hingga 9999. Situs Togel Online 4D Terlengkap 2023 menyediakan berbagai fitur dan fasilitas yang memudahkan para pemain untuk bermain dan meraih kemenangan.

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Untuk memudahkan para pemain dalam bermain togel 4D, Situs qqtoto 88 slot togel Online 4D Terlengkap 2023 juga menyediakan fitur prediksi togel 4D. Fitur ini memungkinkan para pemain untuk memperoleh prediksi angka yang akan keluar pada pasaran togel 4D yang mereka pilih. Selain itu, Situs qqtoto 88 slot togel Online 4D Terlengkap 2023 juga menyediakan fitur live draw yang memungkinkan para pemain untuk mengetahui hasil keluaran togel secara real-time.

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Dengan berbagai fitur dan fasilitas yang lengkap, Situs qqtoto 88 slot togel Online 4D Terlengkap 2023 menjadi pilihan tepat bagi para pemain yang ingin merasakan pengalaman bermain togel 4D yang seru dan menantang. Para pemain dapat memilih pasaran, jenis taruhan, serta memanfaat

 

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The 2008 Nigerian Stock Market Meltdown: Why Retail Investors Lost Money

Most Nigerians who invest in the stock market today are institutional traders and high net worth individuals. The institutional participants comprise mainly of pension funds, fund managers and the large cooperatives. Retail investors have more or less abandoned the market and it appears that they are not in any hurry to come back. Not even some policies that have been put in place by the Securities and Exchange Commission and several enlightenment campaigns have been persuasive enough to attract the ordinary Nigerian investor to the local stock market.

The reason Nigerian retail investors have so much apathy for the stock market is easily understood when you consider the fact that a whole lot of people lost their life savings to the stock market as a result of the great crash. Nigerians have never experienced a market collapse of the magnitude that was witnessed in 2008. Driven by improved domestic economic conditions which characterized Nigeria’s return to democratic governance in 1999 and the reforms of the banking sector which encouraged banks to look to the capital market to source for funds in order to meet a new minimum capital requirement, there was a new wave of awareness about investment in stocks among Nigerians. Stock prices sky rocketed, reaching unprecedented high as more and more people across the investment divide approached the stock market to create wealth for themselves.

In March 2008, the market capitalization of quoted equities on the Nigeria Stock Exchange peaked at NGN13 trillion while the All Share Index was as high as 66,121.93 points emphasizing a decade of unprecedented growth. Unknown to many, stock prices had been overtly manipulated and overvalued to hoodwink unsuspecting investors who were driven by the profit objective. These unwholesome practices festered due to weak regulation and poor investor knowledge. However, a majority of people who had invested in the market did not understand the dynamics; they rode in the tide and eventually sustained heavy losses when the market collapsed later in the year.

Unfortunately this majority who lost money, some of them their life savings were retail investors. They were people who abandoned their small businesses to join the fray of speculators; some of them invested the whole of their severance benefits and pensions while a large number of others borrowed money from the banks under unbridled margin loan schemes that pervaded the landscape at the time. Unfortunately, when the Asset Management Corporation was established to help resolve the problem of toxic assets in the financial system, this category of investors were excluded because the volume attributed to this segment of the market was not considered very impactful on the larger economy. But the truth remains that many people in this category were rendered poor, many family ties got broken and their children’s education interrupted because of the losses they sustained from the capital market.

But why did they lose money? And could it have been avoided? Four reasons can easily be identified.

1. The first reason, I believe many Nigerian retail investors burnt their fingers was the lack of sufficient knowledge about how the stock market works. Many people came into the market with the idea that money could be made within a short period of time, for some, as short as two weeks. This short term mentality influenced so many people’s decision to invest without caution and due diligence.

2. One other reason people lost money was greed. People became so greedy that even when their investment had appreciated reasonably, they hold unto it waiting to make triple their investment. It is pathetic to know that the majority of people who were caught in the web were those who did not exit from certain stocks when they ought to do because they were expecting higher capital gains. Expert investors know that greed is a dangerous emotion to manage effectively if you desire to be successful as an investor in the stock market. The drive for above than normal returns drove many investors to go contrary to their investment goals where one existed and thereby invested on highly speculative equities.

3. Bandwagon effect: Because so many people did not even understand why they are playing in the market, nor had the basic knowledge of how the market works, they simply move with the tide of the market. Where investor A had made 50% capital gain in a stock within a short period of time, others simply gravitated to the investment without consideration to timing or asking the relevant fundamental and technical questions. Crowd mentality only work fairly where an investor is able to study and interpret prevailing market mood and also follow it up with entry and exit strategy that will ensure that his investment is not swept away by the tide.

4. Finally, many people failed to diversify their portfolio. Especially for retail investors, the sayings ‘don’t put all of your eggs in one basket’ is important. Diversifying your portfolio amongst different classes of investment or even within different sectors of the market provides a good hedge against market fluctuation. One easy way to diversify is by investing in mutual fund. Unfortunately, quite a good number of investors would rather put their entire investible fund in one stock they believe would appreciate reasonably in price. The implication of this is that when the market move contrary to expectations, you would have lost all your money.

What retail investors went through could have been avoided if there was sufficient investor education and if people were properly guided on the workings of the stock market. The event could have been better managed if people understood the basic principles of stock investing; if people knew that investing in stock was not the same as betting. Be that as it may, the meltdown has come and gone and the market has begun on an upward trajectory. If you had lost money during the period of melt down, it is time you counted your losses and move on. The stock market remains a veritable window for accumulating long term wealth and the opportunities are enormous for those who are patient enough to play by the rules.

Those who succeed in the stock market are people who have long term mentality, are committed to studying and analyzing market information and invest with long term capital formation in mind. The first thing you may have to do if you are considering returning to the market is to ensure that you choose to invest through a registered stockbroking company who has the capacity to provide you with as much market information as necessary to guide your investment choices.

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2 Things You Need To Know About Successful Marketing On The Internet

Most people who offer advice on how to market products on the Internet don’t know what they are talking about. Most of the advice is a rehash of advice given to people 20 years ago about using direct mail letters, classified advertising and other forms of direct marketing, and then applied to the Internet.

And most of the advice is wrong, wrong, wrong.

In a series of articles in this department, I’m going to tell you what you need to know about successfully marketing your product or service on the Internet. And I’m going to tell you why so many people fail to do it right.

Internet Marketing is a Game of Two Halves

Marketing on the Internet can be summarised with just two basic strategies – these are either Push Marketing or Pull Marketing. Here’s what I mean.

1. Push Marketing

Push marketing is pretty much what it sounds like. It is the strategy of ‘pushing’ your product ads into the faces of potential customers, hoping that if you ‘push’ enough, you will eventually find buyers. Prime examples of Push Marketing on the Internet are spam email, pop-up ads, and intrusive banner ads. All try to ‘push’ their way into your focus, and get you do something you really had no interest in doing. Most of the self-proclaimed Internet marketing ‘gurus’ advise you to heavily invest in ‘push’ marketing techniques. (Most of these same gurus don’t bother to mention that the three things consumers dislike the most about the Internet spam, pop-up ads, and intrusive banner ads – all push marketing.)

2. Pull Marketing

Pull marketing is the strategy of offering detailed content, information, tools and resources on a specific topic, which serves as a ‘magnet’ to pull visitors to your site when they search for that information in the search engine. Pull Marketing works because most people who use the Internet are in ‘search’ mode – searching for a solution to a specific problem or a specific product they wish to buy. Internet users in search mode use the search engines as their ‘find it fast’ tool – particularly Google. They go to Google, type in the item or solution they are searching for, and then view a list of sites which may offer the resource they are searching for. When they find a site offering solutions, they are ‘pulled’ to the site by the content or resources on that site. When they get to the site, they already know what they want, and if they find it there, they often buy on the spot.

The vast majority of purchases made on the web are made as a direct result of ‘pull’ marketing. A web user searches Google for a specific product, finds it on a site, and buys it. No banner ads, no spam, no pop-ups involved.

The real reason most people use the Internet is that they can find almost anything they are looking for – solutions to problems or products to buy. They start at the search engine, and are ‘pulled’ into the sites that have what they want. Pull marketing is the natural behaviour of the vast majority of Internet users.

Push or Pull?

Most of your Internet marketing ‘gurus’ will tell you to concentrate your Internet marketing efforts on different forms of Push Marketing. And most of these same people just so happen to have a push-enabling product to sell you. In fact, if you check, you’ll find that most of these marketing ‘gurus’ have never sold anything themselves except their Push products. Most seem to work on the ‘bigger fool’ theory of marketing – which is the belief that there is always a ‘bigger fool than me’ out there willing to fork over money.

If you look past the marketing gurus and start to track the success stories of small companies and individuals on the web, you’ll see that the real success stories invariably attribute their success to ‘pull’ marketing. They created resources on a specific subject or topic, the search engine gave their sites high placement for key words relating to those topics, and visitors found the site through the search engines.

The vast majority of these small sites never used spam, never used pop-ups, and never used banner ads. They just provided resources on their sites which acted as a magnet to pull visitors to their site. And it is unlikely you’d even know about these sites unless you searched for the solutions or information they offer.

Lotto Mentality?

I think the major reason we still see so many people get involved with the kind of Push Marketing consumers so deeply despise is that many would-be entrepreneurs have ‘Lotto mentality’.

They think that paying for a spam campaign, or obnoxious banner ads, or intrusive pop-ups can overcome having an unwanted product. And they think if they send out millions of emails, surely enough fools will fall for the offer to make the seller some money.

Truth is, it rarely ever happens. Instead, in the case of the spammer, the spam creates angry consumers who complain to the seller’s web host, and the site is taken offline. If the seller is unlucky, he will become the target of the spam vigilantes who make it a personal vendetta to cause grief to spammers.

My advice – when it comes to Internet Marketing, avoid intrusive Push Marketing. Instead concentrate on building a content rich ‘magnet’ site which pulls those with a specific interest to your site. Create the kind of site they will want to visit often, recommend to friends, and add to their favourites list – and you’ll be on the road to success.

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Strategic Marketing Using Digital Channels The Right Way

If you are looking to implement marketing from a strategic perspective in your company or business endeavour by making use of digital channels then it may well serve you to seek out some advice first. That’s some of what we set out to do here as we look to highlight some of the ins and outs of executing marketing in the digital age. There is more to digital marketing that ordinarily meets the eye as found in our consulting, devising and executing search engine and social media marketing campaigns.

When a company is looking to [via its marketing personnel or use of third party agencies] market its products and services use the available digital marketing channels such as…

  • Video Marketing
  • Email Marketing
  • Search Engine Marketing
  • Podcasting
  • Blogging
  • Social Media Marketing
  • Micro Blogging

… all of the activities will need to be carried out via specific digital marketing channels with a view to getting engagement from chosen target market sector clients.

As an example of the statement made above; the decision could be made to use the social media marketing and to connect with clients using an associated advertising platform through which to serve up ads. Going through the process of crafting and executing specific ads necessitates that one understands who the target audience is that the business is concerned with so that time is not wasted running ads that will be ultimately shown up to people that are not interested in the related products or services that the company has to offer. Going through the targeting process will determine where one’s audience ‘hangs out’ so that when the message is seen it is relatively easier to consume [or be interacted with].

When running ads within the social media marketing channel alongside that of publishing engaging and compelling content, connect, following and republishing others content. It is important to make sure that the ads are in fact related to target clients likes, interests and aspirations as this will affect click through rate, engagement and other factors that lead to the actual cost of running the ad itself.

The content aspect of digital marketing is indeed a critical and foundational one as one piece of content can effectively be repurposed for use in various formats and on differing platforms and digital marketing channels. E.g. a well written article can be used as a blog post, then used as the basis for a podcast, this same piece of content can be developed into a video and then used to create multiple micro blogging content pieces. Each piece of content should be used within planned digital marketing channels in order to deliver the marketing message through to the intended market segments.

With the world in which we live in becoming increasingly technology enabled; this is continuing to open up opportunities for marketers and business owners to present their message to clients found the world over. However it is important to execute correctly and to start with the right messages, next the most appropriate digital marketing channel [some of which are listed above] are used in order to put the marketing message in front of the right audience. In other words a targeted approach should used as opposed to a shotgun spray and hope approach.

At the end of the day digital marketing is still a subset of marketing and it itself has its own set of sub digital marketing channels. The strategic digital marketing approach is strongly recommended as when adhered to and the results start coming in, one will understand why it’s important to continue to adopt this approach to business promotion.

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