Ameriprise Financial Services – The Best Personal Financial Adviser

In today’s growing consumer market, where one has plethora of options to choose from for almost all goods and services, many companies have managed to maintain their goodwill and win the rat race with a simple rule – consumer is the king!Some companies have carved their niche with prompt and accurate customer services and support system. A leading name among financial advisory services today is – Ameriprise Financial Services or the AFS.Ameriprise Financial Services initiated as a small company from a local office, and have managed to expand a fortune. They are best known for their online financial advisory services and personal consultation.Their strategy for the same is to use a handy advisor locator. The best part of using this locator is that you do not need to give any personal details. On the company’s web portal simply key in your zip code. The locator would automatically supply a list of Ameriprise Financial Services Advisors with in your vicinity. Be rest assured that you won’t be contacted unless & until you yourself opt to call an agent.

Besides the regular functions of the web portals, Ameriprise Financial Services’ website offers enormous wealth of information on all aspects regarding financial planning. An individual’s financial planning primarily depends on their budget and the financial requirements. However, at the end financial planning remains one’s personal decision. Yet, all of us need to have a clear understanding of our goals from the same.The personal advisors at Ameriprise Financial Services understand these basics and hence their website details the very core information like:i. The fundamentals of investment
ii. Tips for paperwork
iii. Information that we must put forward before the advisor to make the best of his services. This way he or she would give you the best possible recommendations for your personalized financial planning needs.How the Ameriprise Financial Services’ Advisor works?Ameriprise Financial Services’ personal financial planner initially offers a free consultation session. Here, he or she would help you identify your financial goals. He or she would present before you the realistic & concrete picture of your current scenario and your actual needs. That is your financial stand today and what it requires to meet what you want.In the following sessions, the advisors would help you synchronize the goals, that is prioritizing the needs & wants. He or she would then prepare the information you need. Next, He or she would present this information in a way that it clarifies all your doubts. Hence the advisor would help you understand the best possible ways to achieve your financial goals.Ameriprise Financial Services advisors are always there for you in order to answer your questions. Yet, they are just advisors and they would leave the final decisions for the client or customer.Finally a written plan would be developed. As per your requisites and goals it would also be modified until completion.That is not all. You advisor would also help you implement the plan with regular meetings. Ensuring that the customer stays on the track to achieve their financial objectives and goals, they would guide you through the required changes as well.

What are the other services provided by Ameriprise Financial Services?1. InsuranceAmeriprise Financial Services also deals with insurance. They provide:i. Life Insurance
ii. Health Insurance
iii. Disability Insurance
iv. Long Term Care Insurance
v. Home Insurance
vi. Auto Insurance2. Banking & Lending AgencyAmeriprise Financial Services is also an efficient banking & lending agency so they help you through money management & financial planning in the practical terms.3. Investment Products
Ameriprise Financial Services’ investment products include the following:
i. IRAs
ii. Annuities
iii. Stocks
iv. Bonds
v. Mutual FundsThis implies that the clients could easily diversify the portfolios & try varied types of investments during working with the advisors

How To Start Making Money Online As An Affiliate Marketer

The field of affiliate marketing is probably the quickest developing way to make money online. After all, billions of ordinary people use internet every day. Affiliate marketing gives you the opportunity to target potential customers regardless of their location in the world.For this reason, it isn’t surprising that a huge number of people make a considerable amount of money through affiliate advertising and marketing. Many skilled affiliate marketers end up making more money in this field than they did in their previous job, and hence some of them even resign their normal 9-5 job and pursue affiliate marketing full-time.A Quick Overview On Affiliate Marketing
Now that we have a little idea about the capacity of affiliate marketing, Let’s dig in and discuss what it truly includes.The easiest way to describe affiliate marketing is when you help another company sell their products online, and then you get paid a commission for each sale you bring to them.If you are promoting a product priced at $200, and the company pays you 10 percentage commission of the sale, you would make $10 for each sale.However how do you refer sales? You can begin promoting your seller’s products on your website, which receives targeted site visitors in the same niche as the product you are advertising. For example, if you have a website that sells makeup you would not advertise health insurance, but instead you could promote makeup related products. Every time one of your website’s visitors clicks on your affiliate link which was supplied to you by the seller, you will be paid a commission.How To Choose A Good Affiliate Network
One of the largest errors new affiliate marketers make is becoming a member of nearly each affiliate network they encounter. This is without a doubt considered to be a totally incorrect technique. That is due to quite some reasons.Firstly, being an affiliate marketer is an undertaking which calls for a lot of awareness. So, if you try and work with many affiliate networks at the same time, chances are that none of your initiatives might go as planned and consequently, none of them might end up being very successful.Secondly, focusing on just one or a few products without a doubt will let you research them thoroughly before you start to promote them. This method also helps you refine your strategies, making the required adjustments, and thus making your marketing a whole lot more powerful. An effective approach will yield better outcomes, and reward you for your efforts and time.

Thirdly, make sure you do some research on the affiliate network as there are some networks that will only pay you once a month which might not work for you or worse they could not pay you at all. I am not telling this to discourage you from being an affiliate marketer, but instead I want you to succeed in finding the correct network and products to market and make your commission.There are affiliate networks that resort to “shaving”, a very common exercise in affiliate marketing where the networks display a discounted number of sales than what you referred, consequently paying you drastically less in commissions.Hence, to avoid been a victim to this action I would suggest that you stick to known and trusted affiliate networks. In any case, they only way you will succeed with a network is if you are comfortable with them and the products you are promoting.How To Start Getting Sales As An Affiliate Marketer
Getting instantly to the point, some affiliate marketers use social media web sites including Facebook, Twitter, YouTube, and more, for doing associate marketing, other decide to build out their own site. Getting your own site is an exceptional approach to affiliate marketing, because it gives you control over everything.So we will focusing on affiliate marketing using your own site moving forward. First matters first, as mentioned earlier, you will want to find an affiliate network you’re comfortable with. This includes being knowledgeable about the products you are promoting, so that you don’t come to be selling products you don’t know anything about.Amazon’s Associate Program
That being said, many marketers look at Amazon’s associate marketing program as one of the best. It’s possibly the most trustworthy network, and has a large inventory of products to promote and get your commissions.This offers you a possibility to promote nearly any product in the market, or pick a niche with low competition and you could be earning commissions in less than a week.Finding A Good Keyword
That is considered to be one of the hardest parts of marketing. You simply cannot blindly choose any keyword and expect to start making sales quickly. One of the reasons why many affiliate marketers fail is due to using a wrong keyword.If you are new to the affiliate marketing, you are going to want keywords that have low competition. Start your keyword research by finding long tail keywords with a low search volume, that means much less money, but not really with the ones that have large competition.You may test the top 10 and 20 results and do a few studies to discover if you may outrank them. Review keywords being used by the competition to determine if they are using identical key phrases you are looking to target. If they are, and they have a high authority website in that niche, I would recommend that you keep away from that niche, and opt for a brand new, less competitive.Quality Content
This is significant. If you think you will make a lot of money creating items that doesn’t help the visitors in anyway, you are very wrong. Although your goal is to earn cash by means of referring visitors to the offer, you will have to offer one thing of importance to them. Merely posting your hyperlinks along with lame sales pitches like “this is a wonderful solution, purchase this product via my personal hyperlink and get a discount”, and so on, you might be only heading to disaster.If you decide to join Amazon’s associate program, you could write an informative article on your homepage and include your primary keywords and some secondary keywords throughout the article. You could have the purchasing guidebook, and write your brief opinion of each product you are marketing. Remember that the greater the cost of the product you market, the greater the commission.Backlinks
We realize it’s probably the trickiest method to accomplish, unless you are an SEO guru. Contacting site with high authority and guest posting on these sites is a really well-known means of getting great backlinks. These great backlinks, along with guest posting in related sites in your niche will get you ranked on the first page of the search engines as long as the keyword you chose has really low competition.

However, even when your site doesn’t reach page one, as long as you have guest posted on a number of sites in your niche, you will be bringing substantial amount of targeted traffic coming from these sites. So that it is a great tactic anyway.Mistakes To Avoid
Now you are aware of the process to becoming a great affiliate marketer with your own website, I want you to also keep in mind some of the most common errors brand new affiliate marketers make.Not Providing Any Good Value
Though we’ve got covered this item, it’s certainly important to remind you if you try to be extreme with your words to pressure the visitors to click on your affiliate link, it’s likely being deemed as junk or spam by many websites.Rather, it’s suggested to help these individuals select the right solution determined by their particular wants. This method makes these individuals feel more, which in return will check out the products you are marketing based on the value in your article.Product Research
Numerous online marketers will not do proper product research to gain knowledge on the product they are promoting, instead they are only worried about the amount of commission they will earn per sale regardless whether it will provide value to their visitors. This is an oversight, and will at some point lead to your readers not relying on anything you tell them.Tracking Your Links
When you begin advertising on Amazon or even some other affiliate network, it will be beneficial to track your affiliate links. It can help you find out which website is doing more sales and then you can make your other websites have the same kind of setup.Final Thoughts
I would like to say that despite the fact that affiliate marketing can be very fulfilling, it has a steep learning curve to it. You might face disappointment on numerous occasions prior to making a nice amount of money online.That said, affiliate marketing it’s suited simply for individuals who are likely to deal with several failures, but will come back with a positive attitude and willing to learn from their mistakes.

How to Choose a Martial Arts School – 10 Steps Guaranteed to Save You Time and Money

What are the most important things to look for when comparing martial arts schools?
What are the tell tale signs of a quality school that you can spot immediately?
What are the best questions to ask, and how do you know if they can really deliver?
What part of a contract can you negotiate?These are just some of the important questions you need to know how to answer before shopping around for a martial arts school.A commitment to martial arts is an investment in time and money, so knowing exactly what to look for in a school, and knowing what questions to ask, will give you the clarity and confidence to make a smart choice.A bad choice in a martial arts school can be an expensive lesson, so use this guide to educate yourself.There is a huge variety of martial arts schools out there. Facilities range from expensive health-club-like facilities to open space warehouses. Martial arts schools aren’t regulated to insure quality of instruction or business practice. There is no official governing body and no universal grading standard in martial arts. Almost anyone can open a school and appear to be an expert.What do you look for beyond price, amenities and convenient schedules? While most people first consider price and the facility, there are more important factors that you need to consider first!These 10 steps show you how to make the best decision in choosing a martial arts school:Objective
Instructors
Class Dynamic
Student Results
Curriculum
Style
Facility
Service
Price/Fees
Instinct1. OBJECTIVE:Before you start looking into martial arts schools, determine your true goals for martial arts practice. To get the most out of your training, clearly identify your real goals and the specific benefits you want to have.Ultimately, you just want to feel good about yourself and feel super confident, right?However, this is usually not enough of a specific emotional motivator for consistent practice.The majority of people who start martial arts rarely make it past a few months of consistent practice. It’s not just a lack of motivation. Not having clear goals is usually why people don’t follow through in practice.To determine what you really want from training, start by narrowing down what you wish to focus on.The focus of your practice can be broken down into several areas. There’s no right or wrong – it comes down to personal preference.For starters, you can number these in order of importance.Physical Fitness as the main goal, with martial arts aptitude as a secondary benefit.
Purely Combative Focus, with fitness and personal growth as added benefits
Creative and Artistic Expression, aesthetics, beauty and WOW Factor
Competitive Focus, sports aspects such as one on one competition
Mental and Emotional Growth, catalyst for self-discovery and spiritual growth, cultural and philosophical interestsAsk yourself clarifying “Why” questions, so you can identify what you’re really going for.This is the first step in filtering the selection of schools to choose from. Once you’ve identified your goals for martial arts practice and understand why they are your goals, you’re ready to search for a school.2. INSTRUCTORS:An instructor plays the key role in how you will achieve your goals.Finding a good instructor is more important than choosing a style, and is probably the biggest factor in your decision to join a school. It’s nice to have impressive amenities and expensive equipment, but ultimately a martial arts school is only as good as it’s instructors.Being a black belt doesn’t qualify someone to teach!A competent instructor is knowledgeable, experienced, and has the ability to effectively pass on his craft.
A good instructor possesses leadership and communication skills.
A great instructor will also display sincere empathy, showing a genuine interest in helping you achieve your goals, bringing out your individual strengths.Look for other attributes that increase an instructor’s ability to add value to your training:Proven competitive track record, such as World Champion Titles
A degree in an area such as psychology, sports medicine, kinesiology or related fields
Military, law enforcement, or security experience
Involvement in a credible martial arts organization
Extensive knowledge of a culture or philosophy that you’re interested inAlthough an instructor’s experience and background provides some credibility, don’t be overly impressed with awards and certificates.Their mindset and level of experience will be apparent through subtleties in character and by their actions.Quality instructors are sincerely interested in helping You and won’t feel the need to boast about their own credentials or prove themselves. Instead of boosting their own egos, high-level instructors are very attentive on coaching you to achieve your goals.You can often measure an instructor more accurately by their students’ results and satisfaction than by credentials alone. The students themselves may be the greatest indication of the quality of instruction.Just like a good business is constantly researching and developing, high-level instructors research and develop methodologies in order to continually improve. A lifetime training in martial arts isn’t enough to reach human potential!A high level instructor portrays noble characteristics of a role model and leader.Confident instructors welcome feedback and respond to your questions with patience and insight. They are usually very humble, and rarely speak negatively about any other school or style.Also, find out if the school’s head instructor is actively teaching. Some schools have classes primarily taught by an assistant or senior students, while the head instructor only makes an occasional appearance.While assistant instructors may be totally capable of teaching, watch out for schools that “sell” you on the instructor but have someone else teaching.3. CLASS DYNAMIC:Make sure you know how to evaluate a school in two parts, the content and the context.The context of a martial arts school is made up of the training methods and environment. What kind of setting is the school providing?A supportive learning environment is crucial to maximize the assimilation and retention of material. The context of training can be more important than the content, (or material), intended to be learned.Look for context such as:The collective mood or energy of the instructors and students
The class dynamic – structure and flow
How the amenities and equipment are used
The training methodologies
How the ranking system is structured
The quality of serviceOne of the best ways to evaluate a school is to watch or participate in a class.You can watch videos, visit a website and read all about the credentials and features of a school. However, you can only get a true feel by “test driving” the actual group classes. Many schools offer free consultations or introductory private lessons.If a school allows you to watch, or better yet, participate in a class without obligation it speaks highly of their confidence and transparency.

The class dynamic is the best demonstration of the instructor’s martial arts aptitude and ability to teach. It reveals how the students interact with each other and the instructor. It’s also the perfect opportunity to see how their curriculum is implemented into training.Consider the size of the classes and how that may effect your training. The make up and flow of the classes will either help your learning experience or hurt it.Look for the following:Is there a significant age difference among students that may restrict your practice?
Is there a significant difference in the students’ experiences or physical abilities?
How formal or informal are the classes? And, how does that effect your practice?
How much supportive individual attention do the students receive?
Is there anything about the facility that’ll hinder your practice? such as cleanliness, stale air, too cold or hot, distracting noises, etc.Many beginners prefer large classes. It can be easier to follow along with the examples of many other students. There’s also less intimidation as the collective group dynamic can conceal individual insecurities and lessons the pressure to keep up.On the flip side, there is a key benefit to smaller classes that’s important to consider. There is more opportunity to receive personal attention from instructors that can greatly accelerate your learning curve.Again, instructors are the backbone of a martial arts school. The instructor consciously, or unconsciously, dictates the energy of the entire class.Here are some other things to look for:Does the instructor facilitate class with control and safety? (Notice if the students are enjoying themselves or seem uncomfortable and hesitant).
Is the instructor passionate and actively teaching or seemingly going through the motions and mechanically calling out commands?
Do the students seem inspired?A martial arts school provides the setting of a controlled environment where you’ll train to overcome future or potential challenges. In order to maximize results, good schools teach in a context that anticipates and matches the actual environment of those future and potential challenges.The classes must simulate the intended environment and must provide the necessary emotional stress in order to engrain instinctual trained responses.For example:If you’re seeking a combative style for self-defense, look for schools that safely facilitate reality based, high-stress scenario exercises.
If you’re training to fight in a ring or cage, look for a school that teaches you how to maneuver in the confines of a ring/cage under the same guidelines of the competition.
If you’re goal is to perform in tournaments, look for a school that can facilitate your training in a loud, distracting environment with large mirrors and an audience.
If your goal is to have fun getting in shape, look for classes that use good training equipment, have high energy, exciting exercises and a social atmospherePay attention to the flow of the class and notice how much of the class time is instructional. Some schools implement a lot of conditioning drills while others teach with a lot of verbal explanations. Notice if they have a lot of unnecessary “filler time”.It’s also a good idea to inquire about the school’s ranking system. Most traditional schools use some modification of a belt system, but what’s required to earn each belt can vary drastically from school to school.Is there a clear standard for aptitude and execution of techniques at each level? Or are the requirements based on time and the amount of classes taken?Many schools test for promotions after a set number of classes. This gives the perception of building capable intermediate and advanced students, which can be an important aspect of a school’s perceived value. Not to mention, belt promotions are a crucial source of income for some schools.Remember that there’s no official governing body in martial arts, so belt levels may not be valid outside of that school or organization.4. STUDENT RESULTS:The students provide tremendous insight as to the quality of instruction. You can often tell more about a school by the students’ results than anything else.The students are the products of the school’s training system and methodologies. If the advanced students don’t model your martial arts goals go find another school!When observing the students, pay attention to the ratio of beginner to advanced students. It’s a good sign if there are a lot of intermediate and advanced students. That means the school is able to retain their students, and usually equates to student satisfaction.Just as you probably don’t want to eat at a restaurant that’s always empty, be cautious of a school with a few students. What’s considered a small student base? Depending on the size of the facility and how long they’ve been in business, classes that have less than 10 students is a pretty strong sign that there’s something lacking in the school.Consider the characteristics and personalities of the students as well. It’s important that you are comfortable with your classmates cause you may be spending a lot of time with them.Are they the types of people you’d like to be around and train with?
Would you feel comfortable and safe training with them?
Are the students supportive of one another or are they highly competitive and trying to outdo each other?The student dynamic may also reveal how the instructor instills leadership and other life skills that you may wish to develop. Watch how the advanced students handle both challenges and successes.Take the initiative to speak to some of the students. Getting insight from existing students can make all the difference in your decision to join.5. CURRICULUM:Remember that a martial arts school can be evaluated in two parts, content and context. The curriculum and style of a school make up the content.Whether they call themselves a martial arts school, studio, academy, gym, or dojo, they are still businesses. They will promote themselves in creative ways to gain an edge over the competition. You can expect them to entice you with price incentives, boast their credentials, amenities and equipment, or make claims to get you results in the shortest amount of time possible.Don’t allow marketing tactics to distract you from determining if the school can actually support your training goals.Whatever a school claims to provide in your martial arts training, their students, classes and curriculum will give you a good indication of the school’s quality and true emphasis.The martial arts curriculum, (content), is made up of the techniques and material you will be learning at a school.The focus of your training must be supported by the curriculum and training methods.There are key points to look for in determining the quality of a curriculum. Begin by identifying the school’s emphasis. Take into consideration that when there is more focus on one aspect of martial arts, other areas are compromised to some degree.Forms and jump spinning kicks in the curriculum? You’ve most likely found a school with an artistic or traditional focus that may participate in tournaments. If this is what you’re after, the curriculum should consist of aesthetic techniques that have dynamic kicks and beautiful forms with and without weapons.
Are the techniques based on kickboxing and wrestling? A lot of sparring and no weapons in the curriculum? This is probably a school that focuses on one-on-one sport competition. Schools that build towards competition usually emphasize physical conditioning to reach peak performance.Although physical fitness may not be the primary goal in many styles, fitness is generally a by-product of training. You get in shape by default in martial arts practice.The majority of schools have a curriculum designed to provide a general overall perspective on fitness, sport competition and self-defense. For most people who are just beginning martial arts, a school’s curriculum and interpretation of martial concepts should be comprehensive enough to support you through many years of practice. If this is the case, start to look into other components of the school like their class dynamic.For those who have martial arts experience, or seeking a specific area of focus, determine if the school’s curriculum actually supports the emphasis you’re looking for.It’s not uncommon for a school’s true emphasis to be different from how they market themselves. Take note of the techniques in their curriculum and their applications.For example, let’s say your primary reason for martial arts training is purely for self-defense on the streets. You visit a school that claims to be proficient in teaching self-defense. Yet, they teach fixed stances and forms and only implement weapons training in advanced levels.This is a big red flag! This doesn’t mean it’s not a good school. It only reveals that their true emphasis is not truly combative.70% of assaults on the street involve some sort of weapon and over 90% of attacks go to the ground. Any school that claims to teach true self-defense while neglecting weapons training and ground fighting is just plain negligent.You should seek elsewhere if this is your focus. Modern combative styles will implement training in weapons and ground fighting right from the beginning.Training methods also implement high stress scenario drills with multiple attackers. You won’t find fancy acrobatics in the curriculum.Remember the old adage, “A jack of all trades is master of none.” Be cautious of a school that claims to deliver health and fitness AND teach you culture and philosophy AND turn you into a professional fighter AND prepare you for the streets AND promise personal or spiritual growth.6. STYLE:Martial arts can be compared to a huge tree with many branches or styles. All “styles” are based on the mechanics of the human body. Every style has strengths and weaknesses as they each focus on different aspects of the arts.The true measure of a martial art lies in the practitioner, not the style.Having a general understanding of the different types of styles and their focus will help you in achieving your goals. In martial arts there are hard styles and soft styles.Hard Styles focus on striking techniques where the body is used as a weapon for attacking and defending – force against force. Much of the training is external, based on physical conditioning for strength and agility.
Soft Styles focus on redirection and physical manipulation through leverage and positioning – using an opponent’s force against him. There is often more focus on internal training, training of the mind as well as developing the body’s sensitivity to energy.
Blended Styles incorporate concepts from both hard and soft styles in a complimentary method, flowing and transitioning from hard to soft and vice versa.Depending on the area of focus, each style differs in philosophy and training methods. Applications obviously differ as well.Among styles the emphasis of training will primarily focus on one of the following areas:Artistic Expression – Schools with an artistic focus emphasize creative physical expression – the “art” aspect of “martial arts”. Artistic styles implement forms or choreographed techniques in training. They typically have more aesthetic beauty, as movements are fluid and graceful like a gymnast or dancer.Tradition – Traditional styles are rooted with Eastern culture and philosophy. Traditional schools implement both external and internal training for the development of the mind-body-spirit relationship. With this emphasis, martial arts practice serves as lessons for life skills. Practice may also encompass elements of spiritualism.Competition – Competitive styles generally focus on the sports aspect of martial arts. Competitions can range by category including weight class, level of experience, geographic region and specific style. The emphasis is on winning recognition such as rankings, awards, and trophies that is based on a fixed set of rules.Combat – Combative styles focus on street defense or military application, including law enforcement. It’s the “martial” part of “martial arts”. The emphasis is on practical application over aesthetic form or physical conditioning. Training includes weapons and reality based scenario exercises.Fitness – Schools that focus on fitness use martial arts as a catalyst for holistic health. Classes usually consist of fun, energetic physical exercises based on martial arts techniques. Classes will typically implement a broad and general combination of styles and areas of focus.There are also Modern Styles, which are evolved blended styles that are the result of further researched and developed methodologies. Their focus can be artistic, competitive, combative, or emphasize physical fitness.While it may be a good idea to blend styles, it can be counter productive to combine your area of focus. Be clear on which area you wish to predominantly focus on.Again, there’s no right or wrong style. It’s a matter of personal goals and preference.7. FACILITY:The first thing to consider is the school’s location in relation to your home or workplace.Creating a new habit can be challenging, so convenience plays a big role in supporting consistency. You may be commuting several times a week for training, so make sure the facility is close enough so it doesn’t become an excuse for you not to go.Martial arts schools come in many forms. They can be part of a franchise, belong to an organization, or be a one man show run by a single instructor. They may resemble a fitness gym, yoga studio, gymnasium or warehouse.Don’t judge a book by it’s cover, and don’t judge a martial arts school by it’s facility.Although you can’t measure the quality of a school by the facility alone, it does reveal a lot about the owners mindset, aptitude, emphasis of the style and curriculum, as well as the school’s level of professionalism.The degree of cleanliness may reflect the standard of service. You can get a good idea of the school’s style and emphasis by the school’s design.A school should have the amenities and equipment that support the context of it’s curriculum, such as a cage or ring for MMA or kickboxing, proper mats for Jiu Jitsu, etc.Consider what the school puts money into and determine if it actually adds value to your training.Also notice the subtle details of the facility that may effect on your training. Does the air stink? Does the lighting or colors of the facility effect your energy and mood? How’s the parking? Is it noisy?Remember, expensive equipment, and other luxuries equals higher tuition fees. Be aware of the costs of extra rooms and large offices that don’t directly add value to your training.With a good instructor and some basic equipment you can practice anywhere!8.SERVICE:Some schools have great sales and marketing techniques to get you to join. But, it’s the quality of ongoing customer service that really counts.

Choosing a school that’s skilled in customer service will potentially save you from a lot of unnecessary headache. Poor customer service can ruin your martial arts experience at any level.Make sure that there are open lines of communication and that staff members are readily accessible to answer questions to your satisfaction.You may be with a school for many months or even years. Choose a school that cares enough to build a relationship with you.Know how to distinguish sales techniques from service.As mentioned, some schools are great at getting you in the door with attractive features and promotions. The question is, once you have signed up are you just another enrollment?A good comparison is the large franchised fitness gyms. Their amenities, equipment and low monthly fees are hard to pass up. However, once you join there’s virtually no service whatsoever. There are too many people who have gym memberships and don’t use them. They already have your financial commitment – a contract. Rest assured their service will pick up when it’s time for renewal. But is that service or just another sales technique?The level of transparency is the greatest measure of a school’s integrity. It’s a reflection of their standards of service.Does the school fully disclose all the costs involved in your training? Some schools have additional fees, like mandatory programs or association fees, that they don’t mention until you reach a certain point in your training.
When you have questions, do you get a clear answer right away or do you get an evasive response? The response you get is a good sign of what kind of service you can expect.
Many schools require you to sign a contract in order to take classes. Some schools offer a trial period where you can pay for a number of classes before you agree to a contract. A contract is simply a written agreement between you and the school, and it can always be negotiated. They should be willing to explain the details of the contract to your full understanding and agree to make any changes you feel are important, as long as it’s mutually beneficial.9. Price and Fees:How important is price to you? For many people, it’s the only real limiting factor.Since most people don’t know how to compare value to price, martial arts schools generally don’t advertise their prices – unless they’re promotional.Be honest. Before you read this guide, what’s one of the first thing you wanted to know about a martial arts school?Fees are usually priced by:Term period – specified time period with flexibility of the amount of classes taken, usually monthly or yearly
Number of classes – specified amount of classes taken
Combination of term and number of classes – usually a monthly fee based on the number of classes taken per week
Specific Programs – packaged programs such as Black Belt Clubs, Instructor Programs, Certification Programs, Seminars, etc.Tuition can range anywhere from $50 per month to $500 per month, depending on the school. Nowadays, the average tuition is about $150 per month for 2-3 classes per week.Tuition isn’t the only cost to consider. You will eventually be investing in training equipment, to some extent. Keep in mind that some styles require more equipment.While price is important, a common mistake is to compare price without comparing value.Consider the previous steps and the benefits before you focus on price. This way you can place some sort of dollar value on each component of a school and then shop around.Think of the convenience of schedule and location, the suitability of teaching style, class dynamic and level of instruction in relation to your personality and goals – can you put a price on that?With the knowledge you gained by reading this guide, you can make an educated choice in “how to invest” in your training instead of “being sold” a membership.Most schools require annual contracts. The contract should clearly explain the details of your membership. Generally, schools don’t offer any refunds on tuition.In most cases, a school will agree to make reasonable changes to the contract if you ask them.If you’re committed to your practice and have found a school following this guide, signing a contract is usually not an issue. However, knowing potential costs and understanding school policies will help you negotiate any changes, if necessary. What you’re really after is “peace of mind”, isn’t it?A contract should be mutually beneficial, so you want to insure that the contract also benefits you. This can mean discounted rates, as an example. A contract is also an incentive for you to get your money’s worth by coming to class regularly.Ask about:Price incentives for paying in full
Discounts for family members
Training equipment – and if they have to be purchased directly from the school
Belt testing fees
Any federation or association member fees
Cost for programs such as Black Belt Clubs and any other mandatory programs
Membership freezes in case of travel, injury, or maternity
Policy for relocation or moving
Fees for early cancellationIt’s also a good idea to ask whether the billing is managed directly by the school or if they use a billing company. Many schools use a billing company to help manage your tuition payments.If the school out-sources their billing, you will be dealing with the billing company for the payment of your tuition fees. The billing company will generally only contact you if you are late on your payment. If you ever have to deal with the billing company you can expect the type of service you get from a collection agency. They can also make negative reports on your credit.A high-quality school has the confidence to earn your business without requiring a contract. But they are rare. These schools are clear about their role. They focus on their core responsibility of providing quality instruction and guidance in your martial arts practice. Schools of this caliber don’t need to use creative sales and marketing techniques. Their business is built by their reputation, word-of-mouth.10. INSTINCT:Pay attention to your intuition when visiting a school. While going through the 10 steps outlined in this guide, you’ll instinctively know when you’ve found the right school.How long the school has been in business? Are they stable?
Are you confident in the instructor?
Do you like the instructor’s teaching style and personality?
Are the students friendly?
Did you have fun? Did you feel inspired?Ultimately, we make decisions based on our emotions and we justify them with logic. Your decision should be instant and definite. If you find yourself thinking too much or having to convince yourself, something is out of whack. Go back to step 1 or keep looking.

7 Easy Steps to Conducting Your Marketing Research Plan!

Marketing research is a process used by businesses to collect, analyze, and interpret information used to make sound business decisions and successfully manage the business. In other words, it links the consumer to the marketer by providing information that can be used in making marketing decisions (i.e. B2C or B2B). This can not be implemented without the use of a MIS (Marketing Research System) to gather, sort, analyze, evaluate, and distribute needed, timely, and accurate information to marketing decision makers.Here are the steps to implementing a marketing research process.1. Ask yourself if there is a real need for marketing research. It’s not only the first step to take but a very critical one as well! Research takes a lot of time due to the overload of secondary information available on the Internet. It’s ideal to think that it takes months or even a year to completely finalize a marketing research agenda. The other factor you will need to consider is the cost of doing it, especially if you hire an agency to do it for you. What you want to compare is the value of the information vs the cost of the information. If the value of the information is worth the cost and time of doing it, then by all means, go for it buddy!If you’re still unsure, here’s a few quick guides to go by to determine that marketing research is not needed:a) The information is already available

b) The timing is wrong to conduct marketing researchc) Funds are not available for marketing researchd) Costs outweigh the value of marketing research2. Define the problem. This is the most important step (assuming you’ve decided to do marketing research). If the problem is incorrectly defined, all else will become wasted effort! Keep in mind that the need to make a decision requires decision alternatives. If there are no alternatives, no decision is necessary. For example, let’s say your sales are down by 30%, therefore becoming a problem with your revenues. Your alternatives may be to see how well ads #2 does compared to ads #1 in terms of sales. Use secondary data sources to develop ideas further into the research.Here’s a powerful technique to use in order to pinpoint important problems and receive information all in one: create a focus group! Here’s why:a) it generates fresh ideasb) allow clients to observe their participantsc) understand a wide variety of issuesd) allow easy access to special respondent groups3. Establish objectives. Research objectives, when stated effectively, can provide the information needed to solve the problem you have from step 2. All of your objectives should be what you want to study in your market research and specific as possible.Here’s a quick checklist of what to include in each and every objective:a) specify from whom information is to be gatheredb) specify what information is neededc) specify the unit of measurement used to gather informationd) use the respondents’ reference to re-word the question4. Determine research design. There are 5 different designs you can choose from to get the information you need, such as descriptive, exploratory, causal, and diagnostic research. Descriptive research describe market variables. Exploratory research allows you to get information in an unstructured way. Causal studies is to try to reveal what factor(s) cause some event to happen. Diagnostic research focuses on the sources of satisfaction and dissatisfaction.5. Choose method of assessing data. Secondary data is more easy to access than primary data, such as online surveys. However, if you are into the traditional way of doing data collection (i.e. telephone, mail, F-2-F), they all still have a place in marketing research. The questionnaire that you present to the respondents must be worded clearly and unbias.Here’s a few pointers you want to remember when creating the forms for your questionnaire:a) use nominal, ordinal, interval-Likert, interval-S-D, interval-Stapel, and ratio measurementsb) questions pertaining to each research objective (step 3)c) questions pertaining to attribute, attitude, or behavior

d) have 1 open-ended question (I would definitely keep this at a minimum, if I were you)6. Determine sample plan and size. Your sample plan should describe how each sample element is to be drawn from the total population. The sample size tells how many elements of the population should be included in the sample. In other words, the purpose of the sample plan is to give you representativeness, while the sample size gives you accuracy!Here’s a small but important task to take to prevent or minimize nonsampling errors from occurring: validate your participants by re-contacting!7. Analyze and report the data. It’s always good to go back and run tests on the information you have to screen out errors that may occur. Once you have all that you need for the research (pie charts, bar graphs, statistics, survey, etc), you want to be sure to create a report of it. Carefully present the research report in a way that communicates the results clearly, yet accurately to the client.Remember marketing research is all about connecting the dots. The more information you know about your consumers, the more you bridge together with your consumers. The more closer you bridge together with your consumers, the more miles you create for long-term customer relationships. Go for it!