Finance and Marketing

Archive for December, 2009

Marketing environment is made up of all the factors and forces that influence marketing. These forces can be internal like departments (other than marketing such as finance department and human resource department) or external like competitors, suppliers, economic or political situation. To understand them better, marketing personals divide them in two categories namely macro environment and micro-environment. Let’s have a look at some of the important factors involved in marketing environment.

Internal factors:
All the departments involved in business management affects the process of marketing as well, for example the finance or research department in large enterprises. Marketing department is bound to keep their expenses under the budget set by the finance managers or to consider recommendations from the research department. Similarly the supplies and collections can have an impact on marketing as well.

Customer markets:
Different types of customers markets include consumer markets (B2C), business markets (B2B), government markets (B2G), also a new type of customer market has emerged as a result of globalization i.e. international market. Where most other departments will treat these markets similarly, marketing team has to treat them all in different manner. Though most advertising campaigns are targeted to consumer market, the type of customer market does affect marketing decisions on the whole.

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If you’re ready to realize your dream and head down the highway of starting your own business, you may find some roadblocks when it comes to business start-up funding. New business start-up funding can be very difficult to acquire because many commercial banks and lenders will not even look at new business start-up unless; 1) you have plenty of money sitting and waiting in a bank account; 2) you have a long and successful business track record; and 3) you have a fat and juicy balance sheet.

Another thing to consider when looking for business start-up funding is the type of business you are trying to start. Your business idea and plan of action may or may not appeal to lending sources. When you consider small business ideas, it’s important to weigh the different types of small businesses, whether a home-based business or something more concrete, like a gift shop at the local strip mall, house painting or a small cleaning services company.

Any business that provides a useful service or a specialized skill is more likely to succeed – and attract business start-up funding lenders. Businesses that provide high-demand and needed services such as house or office cleaning, repair work, printing, painting and consulting will more than likely succeed, as long as you also provide great customer service and high standards of excellence. If your business revolves around skills that are definitely marketable such as car repair, hanging wallpaper, building shelves, as well as landscaping and yard work, are also more successful because people who use these services are much more concerned about the job being done right the first time than what it costs. For consumers, these are “good to have” businesses – and for lenders, these are “good on paper” businesses.

Why is it that so many service members have such a hard time building wealth, accumulating assets, and the lifestyle that they would really like to live? Well, the convenient and popular answer would be to point at the government and say that they just aren’t paying our troops enough. While any pay increases for the troops are well-justified and well-deserved, that is not the answer to the financial woes that many soldiers face. Nor is frequent deployment the reason for the problem, although it is certainly a catalyst.

One part of the problem can be found in my previous blog, so I won’t re-hash it here, but in a nutshell, our service members need to be trained better to spend those paychecks on the right things, and how to invest the money they have left over.

Now back to the issue of deployments and frequent changes of duty station. The military has gone to great lengths in recent years to try to stabilize military families as much as possible, but with the current state of the world we know that this just isn’t entirely possible. Thus, any full-time service member, and most active Reservists can expect that they will have to move to a new home in some form or another for a period of time. Regardless of how that move is precisely characterized, the impact on finances is similar. The same is true in the civilian business world when a company moves an employee, with the exception that a promotion often comes with that move, or else the civilian employee can say “no.” Members of the military don’t have the option of saying “no” to a move, but they do have the option of controlling how that move impacts their finances.

As a service member you can always invest in real estate (assuming you buy at the right price in the right area) for slow sustained appreciation, and this is an investment that I would recommend for most people, but what happens when deploy is suddenly upon you? If you don’t have a good trustworthy full-service property manager lined up to keep the property occupied and manage everything while you are gone, your property is going to sit vacant and just suck up more money instead of making you money.