7 Ways Savvy Businesses Use Mobile-Reposted fromSmallBizTrends Here’s something

7 Ways Savvy Businesses Use Mobile-Reposted fromSmallBizTrends

 
Here’s something I came across that I found truly interesting written by Anita Campbell of BizSugar:

7 Ways Savvy Businesses Use Mobile

It’s exciting to see small businesses jumping on the mobile revolution.  I think it’s more noticeable with small businesses, because we’ve been conditioned to expect “old style” low tech ways of conducting business from smaller vendors.  But today that’s simply no longer true. Small businesses have the advantage of being nimble. We’re able to jump on opportunities and technology solutions that it would take larger businesses more time to implement. In some ways, smaller businesses are leading the way with mobile activity. And so we are seeing some innovative and inexpensive ways of using mobile devices out of the office. If you’re looking for ways to develop or extend a competitive advantage, consider using smartphones (and their bigger cousins, tablets) to gain an edge.  To get your creative juices flowing, here are 7 ways that small businesses are using smartphones while out of the office: 1. Accepting mobile payments A consultant who has just published a book; a landscaper who gives an estimate for spring cleanup and mulching; and a crafter attending an outdoor crafts fair – what do they have in common? All are using a mobile payment swipe device attached to their smartphones to process credit card payments.  Your funds get automatically swept into your bank account.  Add the ability to print a receipt right there, and you’ll really save time. 2. More responsive service calls It’s the classic small business dilemma:  your business is growing, and your field service crew is small.  If you have to schedule a crew while in the field, do they have access to work orders and other details?  Will they have access to driving directions?  A good navigation system integrated with your back office systems to make sure crews have the right information, can save money. There’s less wasted time, and less phone time verbally explaining job details. 3. Tracking deliveries in the field A local distributor of specialty foods needs to track exactly where shipments stand – verifying they were made, what was delivered, when and where.  And have a record of it for the company and for customers. A software solution tied to barcoding that tracks variances and issues an accurate invoice on delivery avoids follow-up calls – all enabled from smartphones — can make sure you get paid faster. 4. Demonstrating before and after pictures Providers of homeowner services have gotten smart about using before and after photographs of home improvement projects.  The old saying “a picture is worth a thousand words” holds new meaning when you are meeting with a provider for an estimate , and you see before and after pictures right there on a smartphone or better yet, a tablet.   In the past, service  providers had to rely on printing out expensive brochures.  It is much easier to make a sale when your prospect can see the quality of your work. 5. Tracking timecards and distance/time How exactly do you track the hours worked by  your remote workers, such as construction crews?  Construction companies and contractors have adopted wireless apps that track time and attendance, verified by GPS, to make the process efficient.  You get better recordkeeping, payroll can be more accurate, and your compliance is easier.  Oh, and you save money, too, through eliminating manual work and wasteful errors. 6. Traveling light: have smartphone and tablet, will travel

 

For knowledge workers who fly on business, lugging around pounds of gear such as a large laptop, a variety of cords and charging devices, a briefcase and more, is literally a pain. The whole package can approach 10 pounds.  That 10 pounds of gear may not sound like a lot, but it can feel like a hundred by the time you get to your destination. And for security purposes you don’t want to check items like that. Savvy business people have learned to travel light, with a smartphone alone or combined with a lightweight tablet for short trips.  It takes mobility to a whole new level, and it keeps employees happy and productive. 7. Using smartphones for processing orders and work flow Some of the most savvy small businesses have integrated smartphones into their work flow.  For instance, one painting contractor told me he closes 20% more business by generating professional looking estimates and invoices on the spot at the customer’s home, after taking measurements and showing paint samples.   It’s all because he has forms available on a tablet that can be configured, finalized and printed on a mobile printer.  In other words, he increased his business by being innovative with technology. These are just some examples of small businesses using technology for an edge. How do you use smartphones and tablets?
So it seems that everyone is starting to recognize the power of Mobile Branding. Have you gotten your solution in place yet?

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The Down Payment WILL Save You Money!  

The Down Payment WILL Save You Money!   The down payment basically decreases the amount of money you will need to borrow from the bank.  This may be the difference between qualifying for a mortgage or not.

However, the benefits of making a large down payment are much more far reaching than simply a smaller mortgage.  As the buyer pays month after month, year after year, on that mortgage, the $20,000 down payment translates to a lot more money because it means less money in interest is being paid out on that mortgage.  Interest does you, the home buyer, very little good.  Interest paid is just money out of your pocket with no return, ever. Think of interest payments like taking your money, and putting it down the garbage disposal.

That example doesn’t apply to many traditional conventional loans which require a 20 percent down payment.  Taking that into account, your $200,000 home with this larger down payment of $40,000 would mean a $160,000 mortgage.  At a 5 percent interest rate on a 15 year mortgage, that translates to about a $7,000 savings in interest alone.  Consider you’ll also be paying about $100 less on a monthly payment basis, and your big down payment will soon pay for itself.  $100 each month doesn’t sound like much, but that could pay your cell phone or cable bill-and everybody likes to save money. In other words, the bigger the down payment, the better off the home buyer will be years down the road.

Usually home buyers who already own a home have equity in the current home to use as a down payment for a new home. So, these second time home buyers utilize conventional loan products tailored to owners with equity.  Some of these loans may only require a 5 to 10 percent down payment.  However, as you can see, it is to the home buyer’s best interest to bump that up whenever possible.

Of course, many first time home buyers are young people who have not had the time to save up such a large down payment.  For these home buyers, there are loan products available that are more conducive to a smaller down payment.  These unconventional loan products include well known names such as the FHA or VA loans.  Many of these loans have down payments as low as 3 percent.   There are also community and state programs that make it their business to sell the idea of home ownership as a way to add value to the region.  These loan programs make it easier for a first time home buyer to come up with a down payment.  Improving the value of property throughout the community is the strategy behind these unconventional loan programs.  However, even these programs better serve the home buyer who has a larger pot of their own money to put down.

Talk to a loan officer about all your options regarding a required down payment, then choose the program that is best for you.  Your ultimate goal is to save the most money when the mortgage comes to a close.  Work out the figures and you’ll agree the bigger the down payment you can afford, the more you’ll have in your pocket when you burn those mortgage papers.

Realtors, why not make it easy for your clients. You should have a mortgage calculator on your website-but can your clients use this great tool while they are at the showing? Most don’t bring their PC, but they do have their Smartphones and tablets. So the question is, can they use your calculator tool on their device? Many realtors don’t provide this tool. http://valleymobi.com specializes in giving professionals tools that make their clients lives easier-which makes the entire sales process less painful. If your Realty company hasn’t went Jetson Age yet, contact http://valleymobi.com TODAY! From MOBIminute Professional

Welcome to ValleyMOBI Professional

Welcome to ValleyMOBI  Professional. Here we will post relevant marketing & branding information for professionals (chiropractors, dentists, RE & insurance agents), invaluable buying information to help educate their clients, and innovative, cutting-edge techniques that can help any business increase profits. Just like our sister blog MOBIminute (which caters to restaurants, nightclubs and independent artists at http://valleymobi.blogspot.com/ we will always post the latest in cutting edge marketing, and then show how these techniques can be exploited with the Mobile Revolution. We always welcome your comments and questions, so feel free to post something!