Dropped waist/A-line wedding gown in full Lace with a beaded sweetheard neckline. Colour: Ivory/Champagne/Silver and Wite/Silver18/02/2017
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Fresh Eggs available at wholesale prices $3.50 & $4 per crate18/02/2017
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am selling a Mercedes Benz e class 2007. silver colour, very clean inside out13/11/2016
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This month at SaveMari, we are looking at Real Estate or Property development and ways to become a successful property developer.
Property development is defined as a business process, encompassing activities that range from the renovation and re-lease of existing buildings to the purchase of raw land and the sale of developed land or parcels of land to others.
Real estate developers are the people and or companies who coordinate all of these activities, converting ideas from paper to property.
When it comes to investing in property, you make money when you buy it than when you sell it. Therefore, it is essential to pay the right price for a property. Every dollar or pound you can knock off the asking price is money straight in your pocket. In addition, be on the lookout for properties that have planning applications with the local authority.
Property development is not a very straight-forward business and you need to ensure that you carry out extensive research. The hard thing about purchasing property is, you could make a lot of money or you could run at a loss and end up in debt.Make sure you do your homework, weigh the pros and cons and work out exactly who you will be trying to sell to, if you are planning to sell. It is also important that you work out how much you will get from the property and whether the profit margin is worthwhile. Research suggests that property development is very capital intensive and you have to get your sums right.
Location is also an important factor when it comes to buying property. Location, location, location, is possibly one of the most overused phrases in property development but, if you really think about it, it really is about the right location. It isn’t always about buying a property in an area that is deemed brilliant; it is about buying property that is accessible to services like shops and public transport, to name a few, and wanting to be in an area where other developments are taking place and where there is room to expand or grow.
If you’re planning on a buy-to-let scheme, make sure that you factor in the rental yield, especially depending on the area you buy your property in.
In conclusion, make sure that you have adequate funds in place for your property development plans. Are you financially fluid, are you able to get a loan or a mortgage and if so how are you going to sustain? These are all the things you need to take into consideration. If you need advice, banks have dedicated property finance experts or advisors who can talk you through your options.
Good luck and we look forward to seeing you on the property ladder soon if you are considering it and for those already on it; we look forward to your next property endeavour.
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We are living in an age where everything is now accessible online and more importantly, where you can run your business from the comforts of your home due to the advance in technology.
The term New Media refers to content available on-demand through the Internet, accessible on any digital device such as a phone or a tablet and, usually contains interactive user feedback and creative participation.
New media has been the most popular trend for the last few years and is now considered a big part of our everyday lives. From Facebook to Twitter, and LinkedIn to Instagram, these are just some of the social tools we use daily for personal and business related matters. However, what are their advantages and why are they so important?
As mentioned earlier, it is accessible anytime and anywhere, as well as considered as a news tool where you can check the news as soon as it happens or spread news that is happening or has happened around you and share it with friends and other users all over the world.
Professional Online Networking
Sites such as LinkedIn are valuable business tools that allow users to put an online resume and their CVs on their profile so that they stay connected with business people and get job offers by only looking through their profile.
Another advantage of new media is being able to stay connected with people all over the world. New media has made communicating and sharing important moments with others easier and quicker. It has also made long distance connections and relationships between people shorter.
Great Business tool
Platforms such as Facebook enable you to create business pages. There is now an interactive feature in the form ofFacebook Live that allows you to reach a larger audience and communicate with you customer base first hand if you choose to.
These are just some of the advantages about new media, especially if you are in business. It is at your fingertips and people easily engage with it. It is a trend, a very useful one, and will always be but, it is important that it is used wisely and for the right purposes. The question is, what tools are you using and are they working for your business?
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A few blogs ago we discussed lead generation and branding. This month at SaveMari we are focusing purely on branding and why it is important.
We have compiled a list of reasons why branding is important to your companies growth.
- Branding increases value
Beyond just a memorable logo, good branding increases the value of a company and provides employees with direction and motivation. It also makes finding new customers easier.
- Branding Improves Recognition
One major component of branding is the logo. Everyone recognises Nike’s logo, and of course, the famous M of MacDonald’s. Logos are very important because that simple graphic will be on everything you send out and advertise or market. It needs to be simple, memorable and timeless.
- Branding backs advertising
Advertising is a very important part of your business and your brand. They work hand in hand. If your vision or logo do not make sense then your advertising will be meaningless.
- Great branding has better financial rewards
A strong brand usually guarantees future business. The greater a company’s devotion is to building its brand value, the better the financial return from its efforts over time.
- Branding brings in new Customers
Branding is critical to building your customer base. It enables your company to get referral business. When customers have confidence in your brand and your product they are likely to recommend you to other people and that is where loyalty and a strong customer base are built. The most profitable and thriving businesses have one thing in common - they have established themselves as a leader in their particular industry by building a strong brand.
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The first question that has probably entered your mind is what is Green Innovation and why does it even matter?
Green Innovation is any invention that seeks to make our environment cleaner and safer.
Going green sounds rather insignificant and is looked at as a cost overhead that no business or organisation wants to take up however; it is a great business opportunity and a potential source of competitive advantage.
SaveMari are going to look at the advantages of green innovation and if there is potential to turnover a profit.
While going green may present leadership or managerial challenges for companies operating in resource-intensive industries, the most significant managerial challenge is finding the balance between short-term economic realities and a long-term vision of ceasing to pollute the environment.
Managers or leaders of companies or organisations are under a lot of pressure to demonstrate what their businesses are doing from an environmental point of view and according to the Organisation for Economic Cooperation Development (OECD); authorities also want to know what role green innovation is playing in your business solution.
Here are a few reasons why green innovation could be beneficial to growing or established companies.
- Reduces costs
Green Innovation reduces usage of natural resources and as a result reduces costs.
- Attract Customers
This is probably the most challenging but rewarding of tasks. You can help customers reduce their environment impacts by attracting more customers to your green brands and this will come from good marketing. Make them feel good about using your products. That is, separating your brand, based on its reduced environmental impact.
- Government Incentives
Which company doesn’t like an incentive especially from the government? In some countries, governments are providing stimulus to going green in the form of tax initiatives.
Going green is the future
In the last few years, there are a number of companies overseas have gone green, spending up to 5% of their revenue on content and document management. Most companies have gone paperless to avoid printing costs and the waste of paper, saving up to $30 million over 5 years.
If you are already working on going green, your focus should go beyond reducing environmental impact. Your focus should be on how your business can reduce environmental impact and gain a competitive advantage. By doing this you would be pursuing green innovations not as a forced agenda but as something that could drive your business forward. Nothing would make your shareholders happier than doing something positive for the environment, reducing unnecessary costs and, turning over a big profit with environmentally friendly products.
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This month at SaveMari we are going to explore lead generation and branding and how you can balance them in your business. However, before we get to the important aspects of it, let us understand what lead generation and branding are, and how we can effectively use both.
Lead generation is the process of attracting and transforming strangers and prospective customers into leads. A lead is a person who has indicated interest in your company’s service or products you offer.
In order to understand how these two different concepts an work to together you also need to understand what a brand is. A brand is defined as an idea or image of a specific product or service that consumers identify or connect with, from the name, to the logo, slogan, or design of the company who owns the idea or image.
Branding is when that idea or image is advertised or marketed so that it is recognised by more and more people, and identified with a certain service or product when there are many other companies offering the same service or product.
When it comes to lead generation and branding, marketing departments are always being asked to do more with a limited budget and, what tends to happen is that they are asked to spread the budget across both campaigns, when in most cases the budget is only enough for one of them.
A number of businesses see lead generation as the foundation of the plan to move the business forward. The more leads you have the more your business will sustain itself and thrive.
We have already established that lead generation is about bringing in a customer base to sell specific products or services, and brand campaigns are about capturing and retaining the approach or vision of the company with the customer base so that they can continually connect with the business.
Developed companies such as Adidas and Nike for example, are known to focus more on branding, and rightly so, as it sells the ideas, vision and message the company or organisation is trying to get across. In addition, a number of big companies have grown rapidly through aggressive marketing and brand campaigns.
The lesson to learn or take away from companies which have grown overtime or overnight is to create content that is memorable and entertaining. Customers resonate with something that they can identify with. You will find that content that is either entertaining or that a customer identified with helped those companies sell their products and, also helped build their lead generation model. This is why companies are starting to add emphasis on both lead generation and branding to create the balance, and understand their customer base better.
It is important to develop engaging content that will keep your prospective customers or audience base captivated. Both lead generation and branding campaigns should be given equal importance, where branding supports lead generation and vice and versa.
If a customer understands your business, the vision, and is satisfied with the product it will give them an incentive to keep coming back to the brand, and will keep it at the fore of their mind so that they remember it when it's time to make a purchase. It may also create new leads.
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Intellectual Property (IP) is defined as the creations of the mind such as literary, artistic works, inventions, names and images, among others. This month at SaveMari we will discuss IP and how to go about protecting that which you invent or create.
Intellectual Property is protected by law i.e. patents, copyright and trademarks. These laws enable people to earn financial benefit and get recognition for what they create or invent. The IP system aims to cater for an environment in which creativity and innovation can grow.
IP is vital to an individual or business process and, knowing how to protect an idea or brand name can save a lot of time and money.
We will look at three types of Intellectual Property and these tend to be the most common.
Copyright (or author’s right) is a legal term used to describe the rights that creators have over their literary and artistic works. Work that is covered by copyright generally ranges from books to sculptures and paintings, just to name a few.
Comprehensive lists of works covered by copyright are usually found in legislation. Nevertheless, works commonly protected by copyright throughout the world include:
- Literary works such as novels, poems and plays
- Advertisements and maps
- Computer programs and databases
- Films, musical compositions, and choreography
A trademark is defined as a sign capable of distinguishing the goods or services of one enterprise from other enterprises. Trademarks are one of the items protected by intellectual property rights.
In principle, a trademark registration will allow or give exclusive rights to the registered trademark. This means that the trademark can be used wholly by its owner, or licensed to another party for use in return for payment. Registration reinforces the position of the rights holder and provides grounds for legal cases if there is a breach or if it is misused.
At regional or national level, trademark protection is or can be obtained through registration by filing for an application for registration with the national/regional trademark. At International level you will generally file a trademark application with the trademark office of each country in which you are seeking protection.
The definition of a patent is an exclusive right granted for an invention. It is a product or a process that provides a new way of doing something, or offers a new technical solution to a problem. To get a patent, information, usually technical about the invention must be disclosed to the public in a patent application.
Patents are “territorial rights”. The rights are only applicable in the country or region in which a patent has been filed and granted, in accordance with the law of that country or region.
The patent owner has the exclusive right to prevent or stop others from commercially exploiting the original invention. Once an idea or an invention has a patent it means that the invention cannot be commercially made, used, distributed, imported or sold by others without the patent owner's consent.
The concepts that support the protection of ideas and inventions are not new. These laws have been around for several hundred years and are discussed under the broad heading of intellectual property (IP). For IP to work you need to understand what it is, why you want it and what you intend on doing with it.
Ensure that you seek professional advice when you are looking into obtaining Intellectual Property rights. Although it looks simple the answers lie in the detail. IP rights come in various pretexts, and each is a “defensive right” to pursue legal action in the event that a third party infringes those rights.
Additionally, think about why you are investing in protecting you IP because any money spent on protecting your asset is capital that cannot be spent on marketing or production.
Finally, make sure that you keep your idea a secret until you have filed to protect it. Just having a great idea won’t protect your idea and once you share it with someone before you have some form of copyright on it makes it available to anyone, so remember to file a patent application before telling anybody who is not bound by confidence.
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According to Investopedia, “An investor is any person or organisation that commits capital
with the expectation of financial returns.”
This month at SaveMari we are discussing investing and how to evaluate potential investors
Investors utilise investments in order to grow their money. There are a number of ways to
invest, these include but are not limited to, retirement plans, real estate, stocks and bonds,
Investors will generally do a lot of research on the technical and/or fundamental things that
determine their chances of whether what they are investing in is a good investment
opportunity and generally prefer to minimize risk while aiming to maximise returns.
A number of investors have different risk tolerances, preferences and timeframes and there
are those who prefer very low-risk investments that will lead to middle-of- the-road gains,
such as certificates of deposits.
Other investors, however, are more inclined to take on additional risk in an attempt to make
a larger profit. These investors might invest in currencies and emerging markets or stocks to
triple their chances of big profits or gains.
When it comes to investment, there’s more to a good deal than cash and terms. Many times,
the deciding factor is something else — access to customers or manufacturing partners,
expertise in a niche market, connections to other experts and sources of capital.
Any type of investment varies in execution with each investor. Two reasonable and
calculated investors can look at the same information and come to very different conclusions
on whether or not it is worth investing or not, and sometimes it is down to experience. More
often than not, what an investor is looking for is whether your financials look good ‘naked’ as
they are ‘dressed up’. The better the financials or the standing of the company, the more
likely they are to invest long-term knowing that they will benefit from it.
If you keep your standards high and make sure the company's financials look good, you are
likely to attract the type of investors you want and they are likely to be confident in what your
business has to offer.
For many investors, successful investing generally comes down to buying assets at a
discount to essential value. The greater the discount, the more likely the investment will
People look at information and weigh it differently based on their preferences, values, and
experiences, as mentioned earlier. Some are comfortable working with certain types of risk
companies that invest their capital well. If both of you have qualities that will work in your
joint business venture, then it is a win, win for both of you and, you will both sing all the way
to the bank.
Next time we will discuss evaluating potential business investors and what to look for in their
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It is a new year and we at SaveMari wish you a very Happy and prosperous one.
While we are only getting over the December and January “disease”, there is no harm in thinking of buying a house as part of your future investment(s) and we have a few tips to help you edge closer towards that long term plan or goal
Buying a house is a big decision. It is almost like deciding that you are ready to settle down and get married, therefore you need to be certain about what it is you are looking for and how much you are willing to spend.
The purchase price is just one part of it but you also need to be sure about all the other costs associated with your potential home and whether you will have the budget for it.
Let us take a look at some of the things you will need to consider when you start doing the necessary research to land that dream home.
It is important to find a trusted Estate Agent who will help you navigate your way through the process. Yes, it is true that they get a cut of the sales price of a home which is likely to make you a bit hesitant or weary. However, remember it is the seller not the buyer who pays commission.
It is also vital that that when you look at buying a house, that you do not buy something that only suits your needs today. This is a major commitment therefore, requires you to think long-term and what you can achieve as the years go by.
A commitment like this requires you to think about things like your job status and whether you are planning on getting married or if you are newlyweds and whether you want to live there for the rest of your life. Do you have kids or are you planning to have them, if so will the house you buy have adequate rooms? As most experts will tell you, if you aren't sure that your house will be the house for you in a few years, you may want to keep looking.
It is also important to consider what happens if you buy a house with your long-term partner and then the relationship goes pear-shaped. Now, this may sound like doom and gloom and, nothing to do with buying a house. However, when it boils down to the practicalities, what happens if this does happen? It's a good idea to have an agreement in place with respect to titling, mortgage payments and liability. We are not saying the relationship won’t work, we are simply pointing out that if it does not that you ensure that you are both protected financially if something goes wrong.
Additionally, make sure that you buy a house that is affordable for you and one that will enable you to meet the mortgage payments if you choose that route, or, if you decide to buy the house outright.
Lastly, buying a house involves contracts, sometimes several that will have your head in a spin. Make sure you understand them and have some form of legal representation to make sure that everything is above board.
Take your time and do not rush it. The most important thing is not just about buying a house so you can keep up appearances, it is about investing in something worthwhile, long-term and that may be profitable in the long run if you choose to sell.
We wish you all the best on your shopping adventure.
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