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Credit card debt is big problem for the life of common man these days. Before the government of Obama, there was no proper debt negotiating tips to reduce the debt of the consumer. Under the new laws devised by the Federal Trade Commission, debt can be easily negotiated with the assistance of debt negotiating firm. This negotiating process is not possible by a debtor, as debt negotiators can only reduce the debt by significant amount.

The new law passed by the government allows the negotiation under legal terms and conditions. In the past, there were many shady companies due to which consumers were facing lot of problems. This problem has been solved now under the new laws implemented by the Obama. Here are some tips to legally settle the credit card debt.

• The best legal way is to apply for some debt relief networks which are working for free of charges. These relief networks provide you the consultancy and the guidance about the best debt settlement company. The debt relief networks provide you the past performance data about the debt settlement companies.

• In order to negotiate with the creditor to reduce the debt, it is better to hire a negotiating company than to negotiate it with yourself. Debt negotiating firm helps to negotiate with the creditor and reduce the unsecured debts to almost 60 percent.

• There are many fraudulent and shady companies who are still charging an upfront fee. Before selecting a legal debt settlement company, take into account the historical data of the company. If the company is asking for the advance fee, then you should not apply for such company because it must be Fraud Company. Under new laws by the FTC, companies are not permitted to charge any advance fee.

Also with the competitiveness of the market to get your money, it means that prices are lower than ever before, so if you do your research thoroughly online, you should be able to make some good savings on your Christmas shopping. Buying the latest gifts is not always the way to go as there are many non-technology based gifts that are still excellent such as football shirts and sports accessories.

So after looking online and doing some pretty in depth research we have managed to make a short list of what we class as ‘cool Christmas present ideas’.

1. iPod
Now this is not the cheapest gift idea in the world however it is also not the most expensive and for the use that you or a loved one can get out of it, then the price is definitely a bargain. Sometimes if you are buying it for a mother or father to get them into the modern technology world then you can always team up with a sibling to help you afford this gift.

2. Football Kit
This Christmas gift idea is an age old classic but still is extremely popular especially among young men within the UK. Buying a loved one the full football kit of their favourite football team is a great gift idea but you need to make sure that you get them the right kit for the right team and so you need to do your research. For example if they support Arsenal, then you need to get them the full Arsenal kit.

3. Books & Media
Both books and media are great gifts for anyone at Christmas and can really help you fill up the stockings in an affordable way. You need to get them books on topics that interest them so favourite football players or musicians are always good places to start. By media we mean items like DVD’s which you can get some great deals from stores on the high street like HMV or online from places like Amazon.

4. A Watch
This is a very understated Christmas gift however is definitely worth considering due to the cool design companies offer and the low prices that you can get them for nowadays.

5. Sports Tickets
Depending on who you are buying the sports tickets for will decide what sports match you buy them for. So if the person is into football and supports Arsenal then you will want to buy the tickets for an Arsenal match. However if they prefer golf as a sport then you will want to find out when the next big match is on and buy tickets for that instead.

Creating a marketing plan for a new product is one of the most important steps in the marketing process. You have already conducted marketing research and identified your target market; creating a marketing plan for a new product will help you reach that target market effectively. Once you have done this, the marketing world will be your oyster.

SWOT analysis

When creating a marketing plan for a new product, first create a SWOT analysis. Determine your company’s strengths and weaknesses and how you can play them to your advantage through your advertising efforts. If there are any interesting setbacks or triumphs your company made when developing your new project, you might include them in your press release to make it more dynamic.

You’ll want to determine what opportunities your company has as it pertains to releasing a new product on the market. Are you the only company that has the product in town? Are you creating a marketing plan for a new product that is extremely appealing to your target market? Decide what opportunities you have and move immediately to take advantage of them. In the same breath, identify your threats. Is your target market able to buy a similar product online or at a cheaper rate? Is your product the center of controversy or something totally new for your market? Address these issues right away by developing a strong counter-action plan or by using them as a part of your advertising strategy.

Steps to Success

Next, make a list of strategic steps towards success that align with your target market. This list should also align with your company and product identity. For example, if you are marketing a line of organic clothing, you might focus on individuals who are interested in green living and health. By creating a marketing plan for a new product, you would know to reflect this in your strategy by placing a display in a health food store, as opposed to a burger joint.

Once you have finished creating a marketing plan for a new product, set goals that can be measured. If your product is sold online, you might set a goal for your conversion rate. How many of the people coming to your website are reading the product description and how many of those people are actually purchasing this new product?

Use the Internet

Whether your product is available online or not, the Internet can be your friend. It is a great place to search for blogs or comments made about your product. You can do this by simply searching using preset keywords. You might also submit a press release and product description to bloggers or other websites to review your product. You can gauge how successful your sales are after each blog post and even determine what sites are sending you the most customers.

Once you have finished creating a marketing plan for a new product and set goals that you can measure, you need to get to work. Begin putting your marketing strategy into action and measuring how well you are meeting your goals. If your strategy works, that’s great. If you are not getting the desired results, tweet your marketing plan until you do.