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Add eSignature Presentation Fast. Explore probably the most customer-helpful exposure to airSlate SignNow. Control your entire papers handling and sharing process electronically. Go from portable, papers-structured and erroneous workflows to computerized, digital and flawless. You can easily create, produce and indicator any papers on any product just about anywhere. Be sure that your essential company circumstances don't slip over the top.
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FAQs
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What is the difference between a digital signature and an electronic signature in your professional opinion?
Both terms - “electronic signature” and “digital signature” - are often used interchangeably, they aren’t exactly the same. Electronic signatures could be considered virtual representations of a pen-and-paper (“wet”) signatures. Digital signatures, also called cryptographic signatures, are a type of electronic signature that’s coded and encrypted in order to prevent the impersonation of a signee, tampering, and improve security overall.The main difference is that a digital signature is mainly used to secure documents and is authorized by certification authorities while an electronic signature (e-signature, e-sign) is usually associated with a contract where the signer has got the intention to do so: Difference Between Digital Signature and Electronic SignatureE-signature helps an individual to show his agreement to the conditions and terms of an electronic service. It can also be used to confirm the identity of the message's creator. Many countries give the same legal importance and significance to e-signatures as to traditional ways of executing documents. Here are the features of some most popular tools in this area: Best E-Signature Software Reviews & Comparisons | 2019 List of Expert's ChoicesWith electronic signature tools you avoid signing digital documents by hand - which is tedious cause otherwise you need to print, sign and scan all that stuff - that’s why such tools are on the rise. If you work with such signatures often, maybe you need some simple free tool which is specialized exactly for your business tasks. It really depends on the purpose for which you need this to sign an already typed document - it is often better to use a specialized tool, like Draw Your Signature Online and Sign PDF - CreateMySignature.com (instead of a regular image editor) to streamline your business documents workflow.
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What's a safe website for fast cash loans?
Times can be tough, but that doesn’t mean you should settle for just any short-term loan you can find. Payday loans and installment loans aren’t legal in every state, and even if they are legal, lenders usually have to abide by strict regulations. Any lender that isn’t willing to comply with state law won’t be legit.Finding a legit lender doesn’t have to be difficult. All you need is a good sense of your state laws and a baseline for finding a good deal.What is a legit short-term loan?A legit payday loan is one that is offered to you legally. The lender needs to abide by the regulations set by your state, even if you are temporarily visiting somewhere else. Short-term loans can be applied for online and in-store but fall under the same regulations.Generally, short-term lenders have more relaxed criteria than banks and other lenders. You’ll be able to apply for a short-term loan if you have bad credit, are on a lower income or receive government benefits. However, the relaxed eligibility criteria does mean rates and fees are higher than other loans.Lenders still have to stick to state-mandated APR and can only lend up to the state’s maximum amount.Lenders must make a reasonable judgment on an applicant’s ability to repay the loan. The lender should assess factors such as income, housing expenses and existing debt in determining if the applicant can reasonably repay the loan.If a lender doesn’t ask you for any of that information or doesn’t attempt to evaluate if you can afford the loan, the lender probably isn’t legit. Since there are plenty of lenders that check, you should move on and find one that combines good terms with a strong lending ethic.
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Why are Chinese products cheaper?
In the words of Tim Cook: "The popular conception is that companies come to China because of low labor costs. I'm not sure what part of China they go to, but the truth is China stopped being the low labor cost country years ago. That is not the reason to come to China from a supply point of view, the reason is because of the skill."Let us look at the concept of labor or the involvement of labor in an every-day product. Let us compare 2 products: a plastic fork vs a plush toy. Although both products fall on opposite spectrums of the consumer life cycle (one disposable whilst the other one is reusable), both are sure to be made in China.A plastic fork is made from food-grade Polystyrene (PS) plastic pellets or beads through a process known as plastic inject molding. In here the pellets are heated in a molding machine to a viscous state and are injected into a mold. The mold produces multiple sets of forks within a matter of seconds and from there on it’s as simple as detaching the forks from a sacrificial (?) holder or tool (this is also made of PS and in most cases is recycled). From here the product is moved into packaging and then sent out of the factory for export. A fully automated machine can be set to run continuously 24 hours a day with very little monitoring by a worker, thus being a low labor product.Now, let us look at that plush toy. The stuffed animal is comprised of textile material for the cover, stuffing, two eyes and a nose. The material must be cut into pieces, sewn together and stuffed. The nose, eyes and mouth are sewn onto the material together and stuffed, requiring skilled labor(-). The cutting of the pieces may be done by hand or by machine, but the pieces are sewn together by a worker using a high-speed sewing machine. Next comes the insertion of stuffing – this is rather complex for a machine to do, as such the insertion is done by hand and the insertion point is also manually closed. It is evident that this requires much labor, therefore, this type of a product is considered a high labor product with labor contributing 70% of the total cost [1]. In the end, much like a fork, the product is moved and packaged for export.Because labor is only one part of the total cost of a product, and in many cases it's as low as 20% of the total cost, – this must indicate that there may be other factors at play in making Chinese products, such as the fork. If labor were the only factor, then most of the “plush toy/labor intensive” industries would have shifted to other countries – but only some industries already have e.g. Bangladesh, Vietnam and Mongolia to name just a few. To that extent, manufacturing of plastic forks could possibly return to the USA; but that’s not happening.Industrial production does not take place in isolation, but rather relies on networks of suppliers, component manufacturers, distributors, government agencies and customers who are all involved in the process of production through competition and cooperation. The ecosystem of doing business in China has evolved quite a lot in the last thirty years. Here are the additional factors, including labor, that affect the overall cost of manufacturing and thus make Chinese exports cheaper:A. Commendable supply chain: Supply chain activities transform natural resources, raw materials, and components into a finished product that is delivered to the end customer. No country, at present, has a supply chain more sophisticated yet flexible than China. China’s biggest advantage is their domestic availability of most of the raw materials required to manufacture a given product [2]. Not only are private entities involved in the process of outputting raw material for manufacturing. Rather, many Chinese State Owned Enterprises (SoEs) actively control and output raw materials for small factories to transform into ready-made goods. If the government is involved in such activities, it is safe to assume that this is an active industry that requires not only oversight and monitoring, but active involvement. Access to affordable raw materials helps bring down manufacturing costs to a considerable extent. As a result, having suppliers who are local to the manufacturer has gained importance as a way to cut costs[6].B. Rebate upon Export: The export tax rebate policy was initiated in 1985 by China as a way to boost the competitiveness of its exports by abolishing double taxation on exported goods[7]. China is one of over 150 countries that utilize a Value Added Tax (VAT) system. It is a tax only on the "value added" to a product, material, or service at every state of its manufacture or distribution. The VAT rate is generally 17%, or 13% for some goods. Chinese companies receive a VAT refund from the government for materials of products produced for export. Basically, factories that export do not pay any VAT on goods or raw materials used made for export – further subsidizing raw material costs. American imports to China are charged a VAT, but the U. S. doesn't have a VAT to charge Chinese imports. Moreover, Chinese manufacturers work with far lower profit margins than those in the U.S.C. Efficient Infrastructure and Logistical Access: In its fast-paced effort towards industrialization, China has built many ports (big and small), roads and railroad access. Such a system is not secluded to the big cities (Tier 1 or Tier 2 cities), it connects all of them, including Tier 4 cities or small towns used as industrial manufacturing zones. Having an efficient logistical system allows for cheaper travel costs –the cost of units (kilometers or miles) per currency (dollar or RMB) decreases. Also, an efficient infrastructure reduces overall downtime. Such is the case of India, as pointed out by Vaibhav Mandhana [3]: “Given the poor roads, a shipment from India's north can take a week or more to signNow India's south. Sometimes it is quicker and cheaper to actually get a shipment from Shenzhen than Kolkata. Time is money and all those delays add to your cost. If I could get something in two days, I could sell it immediately rather than wait two months to sell it [add up the interest costs]”"The road freight from LA to Nevada will cost you a lot more than the sea freight from China to LA."[5]D. Subsidized Utilities and Availability: Within China’s industrial areas many fixed and variable production costs are heavily subsidized. For example: electricity and water are subsidized up to 30% compared to normal household or commercial zones. Moreover, the local government gives support with land access at competitive rates, creating jobs in the area. This further helps to diminish the cost of the end product – after all you have access to cheaper land, water and light (What manufacturing does not require these? - Hell, even mining bitcoin does!). In non-industrialized or not fully industrialized countries (Indonesia, Vietnam, India), access to water and electricity remains a critical issue, until today. “In Coimbatore and other industrial places, you get power for like eight hours a day. That means the machinery lies idle for sixteen hours and that wasted capacity adds to the cost.”Do we see a trend of several factors, other than labor, which affect the overall cost of the product? Hold on, there are more!E. Bureaucracy: Barriers for entry in China, in this context, are extremely low. Although you need to fill out a huge number of papers (Customs Declaration Form, Land Annexation, Tax Filing, Compliance Related Documentation, Drawback/Rebate Forms, Annual Returns and etc.), the process is not complex. Relevant departments and accountability are there; you do not need to grease palms to get what you need; streamlined government policies are in place. Again, non-industrialized countries do not have many of these processes in place – they are in the early stages, whereas China has been through all this. I am not saying China is pure and not corrupt, there might be corruption in some cases, but the overall industrial process is so deeply rooted, that people just follow established guidelines. Greasing palms and running around places to get a stamp or a signature causes further delays (time is money) and increases overall costs. This is considered more as “Political Will” than bureaucracy; meaning the government’s will to allow you to do business is prominent thus reducing barriers for you to do business or manufacture or engage in services.F. Technology and Automation/ Skilled Labor: It would be unreasonable to discard China’s interconnectivity between technological advancement and manufacturing capacity. They work hand-in-hand. Availability of the latest technology to manufacture products of a high quality on a large scale. And let's be honest, scalability can be a very important factor in deciding price of a product. Apart from technology, China has a large population, thus having a bigger access to a wide talent pool. Availability to a greater talent pool decreases the overall demand as there is an oversupply – again, denting the costs of the product. If you recall, Tim Cook's main reason for manufacturing in China is: the depth of highly skilled labor in the manufacturing space. To rephrase what Cook said: "No other country in the world besides China has the combination of an electronic component supply chain and large pools of skilled labor needed to make iPhones on the scale which Apple needs."G. Labor: It is comparatively cheaper to many so-called “developed countries”. You can have someone do the same labor task for a comparatively lower price than say Europe or the USA for that matter. This further brings down costs. As noted before, it is not the cheapest – but it is not the most expensive either. What is important to remember here is that labor in China, is skilled – although most laborers are not trained, but have learned by doing. When you outsource to China, you’re working with time-tested factories that have been producing quality products in similar industries as yours for years on end, and in massive supply.Where a labor task might cost you $8-9 USD/hour in developed countries, it will cost you $450-500 USD for an entire month in China (8 hours a day, 28 days a month). If you do the math, that’s about $2.19 USD/hour. Countries like Indonesia a semi-skilled laborer will do it for half, $1.05 USD/hour – but the manufacturing process will be influenced by factors all the factors mentioned.H. Local Government: Local government officials are appointed, not elected. Part of their job is to help the industries and they are measured by results. Furthermore, locals compete with each other. That means Suzhou is competing with Chengdu to attract industries, and so on. Hence officials are always using their local advantages to help, attract, and grow industries, such as providing low cast land, building industrial parks, and making sure that the support infrastructure (roads, electricity, water, etc.) even local housing and schools are there. Since these officials are not elected locally, their actions are much more efficient rather than dealing a motion to go through town hall meetings or waiting for a ballot to pass for months. The downside of such efficiency could be that some environmental studies were not complete or many local concerns are not addressed fully (All credit for how to local governments operate within China go to Mr. James Yeh ).Here are few controversial factors, claimed by several sources:I. Currency: There is the ever-present theory of currency manipulation among economists, where China undervalues their currency by an estimated 30%-40%, which simply makes every product that China ships out 30-40% cheaper than those of a potential American competitor. The Yuan is manipulated and pegged undervalued to the US dollar [2]. So the price quoted in US dollars( more exports are quoted in dollars), will be cheaper than normal; (This manipulation has affected the domestic price of the product and labor wages as it has been kept much lower than it should have been. The Chinese yuan has, however, been steadily increasing in value against the dollar over the past few years.J. Compliance: The Chinese government does not bind itself with Intellectual Property issues. They allow the industry to investigate the products developed successfully elsewhere in the world. They then produce them in large quantities. Personally, there is nothing wrong in this benchmarking. Most industries do benchmark; especially in the automotive world. This saved the industry from expensive investments in R&D [4]. Although China has its own environmental protection agency, the environmental protection laws are generally lax and not enforced fully, especially at the local level. In previous years, Chinese factories cut down on waste management costs -further bringing down overall product costs. Things have been different lately, thanks to the strong efforts from the national government. Laws on IP and environmental protection are being enforced, especially after the Hangzhou G20 summit. There is still some belief that more needs to be done.If cheap labor was in itself the key driving factor, a large percentage of the labor-intensive factories would have already shifted to cheaper labor countries and lower labor-intensive jobs would have returned to the countries such as the USA - because China is not the synonym for cheap labor anymore. But that's not what we are experiencing; only certain jobs within the manufacturing field are moving to South East Asia. A huge chunk is there and is still able to reap the benefits of various factors. It will take more than a cutthroat desire for emerging economies to set up a business ecosystem that can compete with China's.Wow now over 1,000 Thanks for your upvotes! If you would be kind enough to give a like for this same article on my LinkedIn profile: https://www.linkedin.com/pulse/w...Footnotes:1. https://www.industryweek.com/env...2. https://qr.ae/TUtz1K3. https://qr.ae/TUtzTO4. https://labs.ebanx.com/en/market...5. Walter Hay's answer to How expensive is it to import to Nevada from China?6. 5 Reasons Why You Should Manufacture In China With ITI[7] China Will Continue To Dominate World Production
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What is a payday loan, and why are they so bad?
This is a loan intended to be short term “payday” came about as it was intended to be a loan to carry you over till you got your next paycheck.As others have noted they are very high interest rate loans. Having such a loan for a short period of time (1–2 weeks) is expensive but not unmanageable. If you take such a loan off and take a long time to pay it off, then it will cost you a fortune in interest payments.The main issue is that when you get the loans they have 1–2 year terms on them, thus the payments may seem like they are not too bad monthly, but in reality you are paying a lot of interest and little on the principle so over that time you may pay double or triple the loan you took out (assuming you don’t just pay it off right away.The secondary issue is that these loans tend to be geared towards and given to lower income people with bad credit. Someone with good credit, even with low income, likely can have a credit card that could cover some unexpected expense, which is still high interest rate but no where near as bad as a payday loan… people with bad credit however will turn to payday loans, and there is a reason they have bad credit and this is normally related to their lack of ability to manage money. Take someone who is not good at managing money, give them a high interest loan and a long time to pay it off and it is very bad for the consumer.The final issue is that people also don’t use these loans for what they should be used for. This likely falls back to the poor money management part of things. People will take one of these loans out so they can buy a video game system or a new big TV, not to cover a necessity till the next paycheck. Basically this starts a spiral of debt on the heads of people who in general cannot afford it.
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Do you need a loan to stop your troubles? Easy loan?
Try this site where you can find the best solutions for all your personal financial needs://creditandfinancesol.info/index.html?src=compare//RELATEDCar Insurance parked hit and run question?I have USAA as my auto insurance. Here’s the back story. I was parallel parked alongside a street here in Atlanta and a car (more than likely) was trying to get out of his/her space and hit the left driver side bumper pretty hard (ruining the paint and loosening up the bumper pretty good…and cracking the tail light). This person did not leave a note. I have my 500 deductible. I also have uninsured motorists coverage. Right now USAA is saying that I will have to pay the $500 ded. Why couldn’t they put it under the uninsured motorists coverage I have instead so I wouldn’t have to pay a dime? Is it within reason to call them and ask for this issue to be adjusted? If so, what points can I make to insure I get the deductible taken care of under the uninsured motorists coverage? Thank you for your help!”How much would insurance be on a Nissan 350z?Hi guys!! Ok so I’m soon to get a 2003–2006 Nissan 350z Touring or Enthusiast. Maybe around 9000$ to 15000. I’m almost 18 and what would insurance be like for me??? Allstate, State Farm, ect. I just need a basic monthly quote! Thanks!!”Flying insurance????????????do u need insurance if you are flying in a private jet charter (like a private jet)What are the best websites to get car insurance quotes from different companies in New York City?What are the best websites to get car insurance quotes from different companies in New York City?Geico Car Insurance?I have a 2013 Mitsubishi Lancer GT. My mother took the loan out and I was wondering can I get my own insurance (19 years old) and insurance the mitsubishi even though the loan is in her name?Co-op Health Insurance?Can anybody out there tell me how does Co-op Health insurance work. im researching for a paper in my finance class and cant find info elsewhereWhat is car insurance for a first time driver?Okay i am 18 and have never had my license before and am going to be getting it at the end of this month…soon we are going to start getting insurace quotes for my car, we have been talking about what would be the best way to go about getting the cheapest insurance…so would it be best to put the car in my name but then just be added to my parents insurance and have me as the primary driver OR would it make a difference if we put the car in one of my parents name and then had me listed as the secondary driver for the car ? OR maybe you know a better way to go about this please give me all the advice you know about this! thanks”Will taking a defensive driving class lower my insurance and take points off my driving record?Ive been in two car accidents one in Nov.2007 and the other Feb. 2008 and i was wondering if taking a defensive driving course would take points off my driving record and lower my insurance.Car insurance INCREASE every 6 months with no accidents/tickets? wtf!?Last year I had Unitrin Direct….they were charging me $85 a month…this is with NO tickets or accidents for the last 5 years of my driving record….this is also with the BASIC insurance that you need in Florida…10/10/20…NO collision…and a $1000 deductible….. So at the end of my 6 months…it was time for a renewal…they tried to bump me up to $140 a month for no reason…still no accidents/tickets…nothing had changed…i had expected my rate to DECREASE….they tell me it’s a STATEWIDE INCREASE ……so i called around… Ended up switching to Allstate who has been charging me $90 a month (better than $140 right?)…..6 months go by, everything’s cool…..now my policy renewal is coming up and they’re trying to tell me i need to pay $160 a month for their basic insurance. Are you kidding me? And according to them it’s another STATEWIDE INSURANCE INCREASE …… They also told me that it could be due to not having CONSECUTIVE insurance for the last few years, as in…I switched from State Farm to Unitrin to Allstate……they told me call the state insurance commissioner…which I did…. Got connected to some guy in Gainesville who tells me that the INSURANCE companies are the ones who decide the rates and increases…not them. Pretty much BS….Allstate’s blaming the state, state’s blaming them…feels like a huge runaround to me. Guess my questions are…. Should I stick with Allstate and pay $160 a month for this absolute BASIC insurance (keep in mind..no collision, $1000 deductible)…my car’s not even worth a YEAR of their insurance. …. Or shop around? But if I switch back to Unitrin or get Geico or whatever….will I risk having ANOTHER increase after 6 months? And is it true that one of the reasons for these statewide increases is not having consecutive insurance with the same company for so many years? Thanks all.”I’m on a fixed income with 3 cats. Does any cat owner know of a good affordable cat insurance plan?*I purr..fer to hear from people that already have a good affordable cat insurance plan.
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Can I borrow some money?
if you need money, there are ways you can get it safely and quicklyThere are times in life where you need money for a late bill or an emergency expense, but you might not know where to start on an often time-consuming and frustrating process. Our article below outlines the ways you can borrow money fast so you don’t have to spend time worrying about filling the gap between paychecks.Few month ago I need some urgent money, My friend Henry suggest me to take money from this website its reliable and you can get urgent money just after fill a form.So I did it.And get Money within 3 hours .This is the website URLOnline short term loans have less strict requirements than a traditional loan.One way to minimize interest rates how much a short term loan will cost is to only borrow the amount of money you need to cover your expenses and to choose the shortest repayment period you can afford.Here is the process3 Easy Steps1. Complete the Short Loan Request Form2. Our Network of Lenders Reviews Your Request – You Can Get a Loan Offer3. If Approved, Review and Accept Your Loan – All Conveniently OnlineRemember, our service is free and you’re not obligated to accept any loan offer.Eligibility:You do not need to have a perfect credit score to be eligible for a bad credit loan. Customers with poor credit may still qualify for a loan; however, our lenders do not typically provide loans over $1,000 to bad-credit individuals. Please note that meeting these requirements does not mean you will be connected to a lender.Requirements:Be at least 18 years old.Provide proof of citizenship, such as a Social Security number, or legal residency.Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.Have a checking account in your name.Provide work and home telephone numbers.Provide a valid email address.Loan Process:Our loan request process is designed to connect you with the lender from our network who can assist with your financial needs. If successfully connected, our lender network will verify your information quickly and review your loan request.Depending upon the information you provide, a lender might respond with a loan offer. You should take your time in reviewing all details of any loan you’re considering. You will not be obligated to accept the offer if it is not the right offer for you!When you decide to accept your loan, just agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)Once you add your electronic signature to the lender’s contract, they will distribute the loan funds to your checking account via direct deposit. All funds should be available as soon as the next business day, however, the exact availability timeframe will depend on your lender’s deposit process.Best and trusted online loanRepayment:The lender will present you with the repayment schedule and you will be able to repay your installment loan off over time rather than all at once.That’s all there is to it! Our lenders require no collateral, and you will not be denied a loan solely based on a poor credit history. Your steady income and checking account is the only security required.Note: Bad Credit Loans is not a lender; rather, They specialize in connecting borrowers with Their network of bad credit lenders and financial service providers. Bad Credit Loans cannot dictate your loan terms, conditions or interest rates/fees.
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What are the tips to improve web traffic to my blog?
There are times when you don’t get the rewards with your marketing work based on your expectations. You might be working hard to add sparks to your campaign. The results on the ground betray your efforts. In times such as these, you need to step back and take critical note of your marketing efforts to add steam to it. Here we take a look at some of the strategies you can use to revitalize your campaign to maximize your ROI.Identify what’s not working for youLike many companies, you would be working on a multi-pronged marketing campaign. You are running campaigns across many social media channels.You need to dig deep into the analytics and find out which marketing channels are working. More important, which media channels are not working.Once you identify the channels that are not working, then you have two options in hand. Rejig them whichever way possible or abandon them entirely. Do not have doubts about exercising the latter option. A channel that does not offer results only eats into your time and effort.Boost up what worksOnce you have identified a marketing channel that is rewarding it is time to boost it up. Many businesses make the mistake of trying too many things. You want to keep it simple. Work on one thing and make sure it is working!Marketing is a 24/7 jobHas that ‘viral campaign’ remained elusive to you? Are you trying to replicate a viral campaign that has rewarded your competitor? In a tech-savvy world, it is easy to get carried away running behind a viral campaign. You must remember viral campaigns are hard to achieve and impossible to predict. The fact is viral campaigns start off as regular posts. You need to focus on the basics and when things are conducive to your campaign would go viral.Simplify your marketing effortsDo you have too many people running your marketing campaign? Are you using dozens of tools to target different channels? This is the crux of your campaign’s woes as doing too many things at the same time proves counterproductive. You can have one person handle marketing on Facebook. Instead of having different posts from different people. Get rid of the complexity, and you are ready to rock and roll.Don’t have a marketing calendar? Make oneDoes your business cash in on seasonal demands such as July 4 Holiday Sale or Valentine’s Day Sale? If yes, then you need to work on a yearly marketing calendar. The marketing calendar is to provide your team with ample time to prepare. It does away with all the presumptions associated with the timing of a campaign.Choose consistency over potential‘Potential’ is one of the most mysterious words used in the field of marketing. Campaign managers often waste months and even years chasing ‘potential.’ The goal somewhere gets lost in the long run. What you need instead to choose is consistency. With time these small rewards can redefine the potential of your campaign.Be genuineIt is not surprising to get carried away drawing inspirations from others. The issue that you do now want to copy their campaigns. The problem is – you no longer sound genuine. You want to find out what works and develop your own messaging.Running a successful marketing campaign is all about reinventing yourself. You need to look for new ways of promoting your business. If there are strategies that have not worked, it is worth pausing such efforts.
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How promising is Amazon Alexa/Echo as a product? How big could it be?
This is one of those cases where trajectory matters more than size or acceleration.Today, Alexa is a steamliner in a small pond. Tomorrow, she’ll be a fleet in an ocean. Barring a major development, however, she’ll be the British Navy — i.e., the one that experienced brief moments of sea-to-sea domination before being reduced to a size befitting her real place in the world.Voice assistants are chasing the ideals seen in the Iron Man movies. As they get more intelligent, they’ll become our primary interface with the digital world (which itself will be layered over much of the physical world).Given the real advantages they offer (free hands, less cognitive workload) and their natural integration prospects with AR/MR (such as wiring them into your Magic Leap headset), it’s hard to imagine them being a mere fad. These products will process billions in daily transactions.The specific problem with Alexa is that Amazon isn’t an ideal facilitator for most of the things we’ll want our AI butlers to do.Consider the competition:“M” is built on Messenger/Facebook (plus WhatsApp), the primary global platforms for inter-personal and consumer-to-businesses communication.Google Assistant is built on the world’s premier technology stack for understanding search intent — the El Dorado of data. It’s also the native option for 1.4 billion active Android devices.[1]Siri will be structured defensively to be the primary intermediary for use on any Apple device — which will presumably include cars soon enough.And then you have players like Viv (smarter, at present) and Cortana (limited to Windows presently, but likely to see coming deals expand its signNow) — neither of which is a real threat, but both of which are going to gobble up some share.This isn’t to say that Amazon doesn’t have a market it can own (for now).Echo will change how we shop, and it really has a place in every house today. It can play music, help you with cooking, and let you call out grocery and toiletry orders. It can answer direct questions about sports scores and the morning weather.But it’s only really useful in the home, for a narrow range of interactions — none of which are built on unfair, long-horizon advantages.Why would I install an Alexa app on my phone when Siri or Google Assistant (or even Cortana) will do a more organic job?Why would I buy an Alexa unit for my car when Siri or some equivalent will already be installed on the factory hardware (likely connected to my phone)?Why would I use Alexa to communicate with my local retailer when an M-supported channel already exists (one that fits with what the business wants; most of which are too deep into the Facebook ecosystem to consider switching)?Why would I buy an Echo when I can just buy a Google router that has the same functionality built in (and is powered by what will likely be a better engine)?Amazon is also behind the pack when it comes to machine learning / AI. Facebook and Google have the best teams in the industry, and we’re dealing with a very finite pool of top-level talent. Given its critical role in pushing voice assistants to the next level, this is going to be a hard problem to solve.Amazon will own America’s kitchens for a cycle. But they have three goliaths coming behind them, each with a better claim.Unless they can strike an exclusive deal with some other next-gen device maker (MR headsets, wearables 2.0) or a partnership with Microsoft (leveraging Bing), their long-term prospects have a hard cap.Update (5 months later): I’m pretty sure Amazon is going to build a discount smartphone to replace their third-party Prime handsets. That changes the equation a bit.Footnotes[1] Google says there are now 1.4 billion active Android devices worldwide
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