How to Know Market Direction

One of the most important things you must know before buying any stock is the direction of the general market. 90% of all stocks go UP in a general bull market and 90% of all stocks go DOWN in a major bear market.But how do you know why even the so-called “good” ones go down when they haven’t lost their value. Sales, profits, everything remains the same yet these stock decline in price.Your broker or financial planner won’t tell because almost none of them have been taught this simple technique. You can check it out yourself.In the newspaper Investors Business Daily there is published several times each week the IBD Mutual Fund Index. Look at the 200-day Moving Average dotted line. When the direction of that line is going up it is a bull market. When the direction of that line turns down as it did this past July it is a bear market. Very simple.This index is made up of 24 large mutual funds. They own hundreds if not thousands of different stocks. This dotted line that is computed every day is composed of those thousands of stocks. From the direction of the dotted line it clearly indicates a bull or a bear market.This is a very long term signal and is not for short term trading. It is ideal for retirement and college plans. The inexperienced investor does require any knowledge of fundamental or technical trading techniques.It is advisable for those not following the IBD Index when buying any stock, ETF or mutual fund there should be an open stop loss order placed immediately. With mutual funds it will have to be a mental stop where the investor keeps track. The most any prudent investor is willing to lose is about 10%. He might risk more, but that is up to each individual. Don’t rely on any broker to protect an account.Once a market starts down it begins to feed on itself. Buyers hunker down and slowly disappear. The prudent investor will look at his portfolio statement carefully every month. If any mutual fund goes down more that the set amount he has decided upon (maybe 10%) he should call his broker and all that money transferred into a money market account.Money market funds do not pay much, but even if the amount is zero percent at least the money is being secured while waiting for the next buying opportunity.All investors and even day traders should be aware of general market direction as it will aid in establishing equity positions.

Tips for massage therapist San Diego to give wonderful massage therapy in San Diego

Sustaining pleased and calm customers is essential for an effective career as a massage therapist. While many customers will feel entirely at ease receiving a massage, others may find it a bit more intimidating for a variety of reasons. Anxiety may make it difficult for a customer to completely appreciate the service you’re delivering, so here are some suggestions for calming their worries.

Talk with them.

Excellent communication skills are essential both during and before the treatment. Anxious customers are frequently worried because they don’t know what the therapy will include, so remember to give yourself enough time to do a thorough consultation. Clarify in-depth and how much they should anticipate from the treatment. Information such as brochures or flyers can be helpful in explaining the items that will be used and any follow-up treatments that may be advised. Inquire for your client to see if they have any pains, headaches, or past injuries, and reassure them that all massages may be customized with varied pressures. If you’re going to use a cream on their skin that could cause an unusual sensation (such as tingling), make sure they know what to expect. The more information a customer has regarding the massage, the more at ease they will be.

Listen

While this may appear to be a no-brainer, being able to listen and completely comprehend your client’s requirements and expectations will guarantee that you provide a great service that is tailored to them. Allow them to feel seen by expressing their demands back to them just to make sure you understand. Massage therapy is a direct experience, so help them feel listened to. This will increase their faith in you and convince them that they are in good hands.

Be trustworthy and competent.

A jittery customer will want confirmation that you know what you’re doing. From the minute your customer walks into the clinic, you should exude confidence. Make a professional first impression by greeting them cordially and with plenty of eye contact. If a customer is nervous merely as they’re having a terrible day, ensure you divert any negative energy away from yourself so it doesn’t impact your attitude. The customer will grab on your vibe and begin to feel the same way if you’re comfortable and pleased.

Create a peaceful atmosphere.

To ensure your customer experiences as comfortable as possible, provide a quiet, clean, and pleasant environment. You can accomplish this in the room with low lighting and background, so don’t ignore that a warm smile and polite talk before the massage may help to soothe a client’s anxiety. Clarify things they’re being cared about from the moment they walk in the door: talk to them to distract them from their worries and reduce any processing period before the massage to a minimum. While they’re sitting, it’s also a great idea to have some beverages ready.

Remove the risk of humiliation.

Be explicit about your clinic’s underwear procedure before the massage; this will assist avoid any potential humiliation if a customer is unfamiliar with the standard etiquette. Figure out whether the client has any specific difficulties with their lower back or groyne area, since the style of underwear they are wearing may prevent you from providing a successful treatment. Giving the customer plenty of warning and time to prepare can help to alleviate any anxiety.

Effective Bank Marketing for Small Businesses

Bank marketing for smaller financial institutions does not require huge advertising budgets or complex promotional tools to be effective. Recent trends in direct marketing and the use of various venues such as the Internet to supplement traditional promotional means have contributed to leveling the playing field for small banks and credit unions, with the use of gift incentives in a marketing campaign being one of them. Gift incentives, which can come in the form of cash rebates or discounts or promotional items facilitated by the business at the center of the campaign, can help attract new customers by turning interested leads into clients, and current customers into ones who purchase more of your products and services.

These types of incentives are great for extending the mileage of your direct marketing campaign, especially if the gifts are chosen well and are backed up by a strong marketing plan. Incentive marketing does not require large amounts of money or resources often exclusive to big business, while permitting business flexibility in terms of how these can be incorporated into an overall campaign and simultaneously imparting more of your brand identity and the strengthening of your company foothold in an increasingly saturated and overly competitive market.

Gift Incentives for Better Business

Large financial institutions depend on the addition of new accounts to survive and expand; your smaller business is no different. Your business requires the infusion of new customer accounts to support a certain level of profitability, and gift incentives can boost your chances at maintaining that by increasing your rates of converting leads into clients, and clients into loyal customers who come back for repeat business. Each incentive may persuade your lead or client into going with the response you desire, which may be anything from simply reading a piece of promotional correspondence, signing up with your email subscriber list, purchasing additional products or services, or referring new customers (all of which give you increased potential for earning more money).

These incentives, of course, are designed to work in collaboration with traditional promotional materials and means like emails, snail mail, calls from telemarketers, and so on, while requiring relatively little in the way of resources, especially if the incentive system has been in place for some time. If you are looking for a cost-efficient way to expand your client base and boost your overall marketing campaign, consider hiring a direct marketing professional who specializes in bank marketing.