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How to choose right mutual funds?

Jan 21 2024 Published by admin under Uncategorized

How to choose the right mutual funds?

While investing in mutual funds, you have to remember that you must choose the mutual fund based on your risk profile. If you are an aggressive investor then you will have to pick up such aggressive mutual funds which will have high risk and at the same time high returns. If you are a very moderate risk taker then you should look for those mutual funds which carry moderate risk and moderate return.
Look at the expense ratio: A lot of mutual funds come with a very high expense ratio which means though those mutual funds offer you high returns, you will end up it losing all that because there is a very high outflow of expenses.
Invest based on time horizon: There are many mutual funds that will give you a good return in the long run but if you are investing in the short term those are not the mutual funds for you. If you invest in mutual funds just because you want to make a profit without considering the time horizon, at the time of taking out the money, your money or portfolio may be slope down and you will lose a lot of money.
Choose small-cap funds and mid-cap funds based on your risk-taking ability: Small-cap funds and mid-cap funds are not for everyone. It should not happen that everyone invests in small-cap and mid-cap funds. Small-cap funds come with high risk. If in case, you invest in small-cap funds and if you trying take out your money at the same time when the market is down, you will be lost. Hence, it is important that you don’t invest in small-cap and mid-cap funds without analyzing your risk-taking ability because if you are someone who can’t take so much risk then you should not invest in such funds.
Look for diversification: Look for those funds which have diversification within the funds. If you don’t look that kind of diversifications then it may so happen then after you invest money, in case if that sector goes down then you will lose money.
Consult Financial Advisor: If you are a new investor and still have hesitation to choose the right funds for your investment, you can contact your nearest financial advisor. They are professionals who can provide you the best advice on your investment and help you to strategically manage your funds.

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Have You Ever Bought Insurance Over The Phone or Internet?

Jan 21 2024 Published by admin under Uncategorized

Purchased directly from an insurer, as opposed to buying through a financial adviser, Direct Life Insurance is obtained with minimal provision of individual medical information, and there is minimal underwriting, if any at all.
Yes- you have to ask yourself ‘Who would buy a car without checking under the hood?’ It’s a worrying practice.
Along with some Wolf-of-Wall Street selling techniques, the Pre-existing Conditions Clause has become a distinctively apparent clause for concern. Here’s why;

Pre-existing Conditions
If there is an ‘automatic acceptance’, and you provide no detailed medical information to obtain your insurance, then it is highly likely that anything considered a ‘pre-existing condition’ will not be covered. It’s as simple as that.
The evidence at the Commission has shown the extremely negative consequences of the direct insurance channel, and highlights the valuable contribution a financial adviser can make when ensuring that individuals are getting the right insurance for their own individual circumstances.

Case Study
One situation identified by the Royal Commission is mind-blowing, and grossly inappropriate.
In this instance, an insurer sold a policy to a man with an intellectual disability.
An internal email chain that was distributed within the Insurance Company’s Sale’s team highlighted the insurer’s intention to sell a particular product, despite the extensive negative impact it would have on the life of clients, especially someone with a pre-existing intellectual disability.
The email shows that there is $150 on offer as an incentive to sign up as many ‘lives’ as possible.

“Target is 400 lives by lunchtime.”
“Everyone aiming for seven lives over the first two sessions — 3.5 lives per session, easy peasy — and we’ll smash 400 lives to lock-in the incentive money for the last part of the day.”
“Also the draw for Tuesday is coming up, let’s smash it out folks and lock this cash money in.”

Sorry to burst this giant bubble, but yes, a free gift voucher, free TV subscription and other gimmicks should ring alarm bells.
Do your research. There may be alternative motives that do not have your best interests at heart.
It’s a sad practice. One that Partners In Planning are determined to push aside.
Spending 20 minutes to consider your life insurance choices now, will avoid any confusion later. In our opinion, it’s the greatest gift you can give to both yourself and your family.
Find out more about the Life Insurance policy that is right for you by contacting Partners In Planning. There’s no better time.

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Know How Rebuilding Credit Score Makes You Widely Benefited

Jan 21 2024 Published by admin under Uncategorized

According to the studies, one of every five Americans finds one or more errors on their credit reports received from three credit bureaus. Mainly, these errors or negative entries include incorrect personal information, collections, and charge-offs apart from the report on late payment, charge-offs or tax liens, and more. The errors consequently hurt one’s credit score directly, and 5% of American consumers are being over-charged against auto loans, credit card debts, insurance policies and suffer from many financial obligations like paying in cash.Being one of these sufferers, mind well that rebuilding credit is an extremely tricky job; however, with experts help you can make it possible through the elimination of errors from your credit report and can be benefited extensively in everyday life. Just have a look at some of those great benefits that you enjoy with an increased credit rate.Lower interest ratesBeing a victim, you know well that lessened credit score simply means paying high-interest rates against your loans or credit card balances. Thereby, consider rebuilding credit right away and enjoy competitive interest rates and save money on paying extra interests.Avoid paying high-security depositsRanging from utility service providers, including telephone companies these days, identify risky customers through evaluation of their credit history. And in order to counterbalance the possibility of a default, those service providers compel you to keep high-security deposits. Consider rebuilding credit today with experts, get your deposits back and uphold your self-esteem in the society.Pay low insurance premiumsImportantly, your poor credit score affects your credibility to enjoy paying the low insurance premium on auto, home or life, and thereby you pay more premiums every year. Get your credit score fixed through the eradication of errors found in your credit report and save a lot for paying extra insurance premiums.Stop debt collector harassmentUntil negative entries are not removed from your credit report, you go through a miserable life while facing countless telephone calls and letters from debt collectors. Hence, think about rebuilding credit with the removal of errors from your credit reports and stop having such calls again.Get a dream jobToday’s employers check the credit history of candidates before appointing them. Apart from public departments, enterprises involved in management, financial or other businesses evaluate one’s value of commitment and integrity through check-up of credit scores. Therefore, having a bad credit history is likely to deprive you of getting your dream job, which can cost you seriously. Instead of waiting for more, fix your credit score today and get a good job.Buy a new homeAccording to the experts specializing in rebuilding credit, that struggling with bad credit score is more than a nightmare and typically keeps you away from buying a new apartment. Typically, due to your poor credit score almost all banks and financial enterprises deject your entitlement to have a home loan. And even if you are allowed, you have to pay high-interest rates to own a home.Buy a new carTypically, before allowing you a loan, auto dealers check your credit score and reject your application for an auto loan, leaving you no other option but to use public transport or your old car.Rent an apartmentNot only can bad credit keep you away from buying a good home but also deprive you of renting an apartment. This is because, most landlords like to check the credit score of applicants to determine the possibility that you may make late for paying the rent. So, why do suffer from having erroneous entries on your credit report? Get in touch with specialists who can help you in rebuilding credit through the elimination of the negative entries from your report.

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How to Sell Consulting Services – Uncover 5 Powerful Ways to Sell Consulting

Jul 08 2023 Published by admin under Uncategorized

If you are an expert on one particular field and if you want to make money by sharing your expertise to other people, you can design and sell consulting services. Here’s what you need to do to increase your sign up rate exponentially:

1. Plan and execute an aggressive marketing campaign. Start by understanding the online behavior of your target market. Know how much time they spend online on a daily basis, the websites that they often visit, and the keywords that they are using on major search engines. By knowing these information, you can easily figure out the best internet marketing tools to use, the amount of time and money you need to spend on your advertising campaign, and the potential outcome.

2. List building. Truth be told, it’s quite impossible to get your prospects to sign up with you the first time that you offer them your consulting services. The key here is keeping in touch with these people until such time that you build rapport with them. Obtain their email addresses and their phone numbers using effective list building techniques. Then, send your prospects with informative newsletters or updates about your consulting services on a weekly basis. You can also call them up. Make sure that you communicate the benefits of your offerings each time you do so increase your chances of making a sale.

3. Establish your expertise. People are most likely to sign up with you if they know that you are truly an expert on your chosen niche. Convince them that you have what it takes to help them to get to where they would like to be by sharing a slice of your expertise using article marketing, blogging, and by hosting webinars and teleseminars. The more valuable information you share, the higher your chances of earning the trust of your prospects.

4. Treat your customers right. This is really the secret to succeed in this field. If you want your customers to do repeat business with you and if you want them to recommend you to other people, you got to treat them right. Aside from offering them with compelling consulting services, you must also offer them with great customer service.

5. Offer freebies and discounts. If you are going against a lot of consultants (including the big dogs), it would work to your advantage if you can offer freebies and discounts from time to time. Experience has taught me that buyers simply love getting something for free so this can surely help you capture their attention in no time.

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Do You Need a Statistical Consultant?

Jul 08 2023 Published by admin under Uncategorized

If you are a sports fan, chances are you have made statements about the winning or losing team. Die-hard fans may rattle off historical information about the success or failure of certain teams. Others may place bets during a championship game hoping to win “the pot” for their selection.

Millions of people play the lottery everyday hoping to win the “jack pot”. There are many instances or people crossing the state boarder to play the lottery, because their resident state has not legalized lotteries. Someone always has the winning ticket, but out of millions of participants, the odds of winning are against you.

Today you may feel like you have a lucky streak, so you decide to try your luck out in a Las Vegas casino. People cross the globe just to win in Las Vegas. Many have success and even more don’t. Who profits more the casino or the people trying their luck? Of course the casino or it would be closed down.

All of the examples mentioned above are the chances of success or the probability of success. In other words, chance is a mathematical probability of success or failure. These examples mentioned are for everyday people, something to do just for fun, unless you are over extending your finances for that “one shot” of success.

What about businesses such as telecommunication, finance, or retail. These businesses have employees that receive regular paychecks and customers who purchase products or services. It is necessary for a business to have a competitive edge in order to meet their return on investment (ROI) and to have marketing strategies in place to ensure they are targeting the correct customers for maximum success of purchase and reduced company expenditures.

Every business should be concern with customer satisfaction, employee satisfaction, and customer retention because these concepts are what drive profit. In today’s challenging economy and competitive business world, retaining your customers is critical to your success. You must give customers reasons to stay, otherwise your competitor with give them a reason to leave. If you have dissatisfied employees are they going to give you everything they have, take pride in their job, and help drive business to your company? All it takes is for one customer to be offended and they will tell their friends about how badly they were treated.

Statistics is a mathematical science pertaining to the collection, analysis, interpretation, and presentation of data. Statistics provides tools for prediction and forecasting based on the data. Statistical methods can be used to summarize a collection of data. Patterns in the data may be modeled in a way that accounts for uncertainty in the observations, and are then used to draw estimations about the population of interest.

Statistics can be misused by finding ways to interpret the data that are favorable to the presenter. In my experience, if that is done, it always come back to “bite you in the butt”. I am amazed of the many different non-statistical disciplines that are hired to do statistical work in the business world. As mentioned, statistics is a mathematical science and only educated and trained statisticians should be considered for helping to grow and/or save your business. I mean you would only go to a doctor to save your life and not say a first grade school teacher.

Statistical consulting is the most challenging and rewarding part of statistics. A statistical consultant uses the mathematical science of statistics to solve a practical problem. Many statistical consultants run their own business, and to be successful should have a technical background in statistics and an entrepreneur spirit.

You may need a statistical consultant for the following:

Do you have questions about statistics in general or need statistical tutoring or statistical consulting?
Do you want statistics explained to you in simple terms using concrete examples?
Do you need to learn what design of experiment will best answer your question?
Do you need to develop models to estimate the present or predict the future?
Do you need help using a statistical software package such as SAS?
Would you like help interpreting your statistical output and drawing conclusions from your data?
Do you have data with non-normal patterns?
Would you like help in preparing tables, listings, and graphs for your report?
Do you need help combining qualitative and quantitative research methods, data collection, or data analysis?
Would you like help designing a survey or questionnaire?
Would you like help with the appropriate sample size determination?
Would you like help with data mining?
Do you need help with technical writing?
Would you like the assistance of a statistical consultant at a conference or summit?

Melinda Richmond is the founder of Statistical & Analytical Research Associates, LLC. She has a master of statistics degree from North Carolina State University and for nearly twenty years has dedicated her education and career to learning the mathematical science of statistics. You can learn more by visiting the following website:

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Bootstrapping Entrepreneur Business Idea – Consulting For Big Bucks

Jul 08 2023 Published by admin under Uncategorized

The consulting business has been booming in these tough economic times. It has become a way for experts to replace their previous incomes and still live a very comfortable life without a lot of overhead in their business. Read on to see if you can benefit from such a business.

You can become a consultant for just about any topic on earth. As long as you are an expert, or at least know more about the topic than your client, you can become a consultant.

The start-up supplies are extremely low. You can work out of your own home. All you need is a computer, fax, a phone, some decent clothes, and your brain to start. Eventually you may want an office, where clients can come to you, or you can choose to come to them. You may even pick a virtual consulting model where you don’t charge as much, because you only communicate via phone and Internet.

You will need to create a basic business contract that should probably be written by a lawyer, covering you basic interests and eliminating your personal liability. You will also need to create a corporate structure for yourself, such as a LLC. This will also protect your personal assets in case you get sued.

You will agree on a time-frame, give the client a quote for the number of hours you are willing to work, and at what price. You will also state how the final information will be delivered, probably in some kind of multi-page report, depending on the industry.

There are many consultants that act as monitors for large companies, so that the company does not have to hire monitors themselves. This is true of the pharmaceutical industry and many other manufacturing industries, like textiles, where a person needs to go to the factory and oversee production. Consulting roles are everywhere and they are here to stay.

Joshua Black is an on-line infopreneur, marketing consultant, author and educator dedicated to helping the bootstrapping small business owner succeed.

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Consulting Jobs Revealed – 6 Proven Steps to Secure a Good-Paying Consulting Job

Jul 08 2023 Published by admin under Uncategorized

Would you like to start a career in the field of consulting? Then, here’s what you need to do:

1. Bank on your expertise. The first thing that you need to do is to decide the field of consulting where you would like to sink your teeth into. When doing so, make sure that you take into consideration your skills and your expertise. If you are good in running a business, you can be a business consultant; if you are an expert in online marketing, you can be an internet consultant. It’s very important that you are very knowledgeable on your chosen niche to increase your chances of succeeding in this field.

2. Develop and improve your skills. As a consultant, it is crucial that you have excellent analytical, communication, motivation, research, and persuasion skills. Don’t worry if you do not possess these skills as you can learn them overtime. Read relevant online and offline resources. Also, take advantage of relevant trainings and seminars. Working closely with people who possess these skills and constant practice can also help.

3. Experience counts. Increase your chances of being hired by getting relevant experience on your chosen niche. If you find it difficult to convince prospects to sign up, I recommend that you offer your services for free or take advantage of internship programs. Employers give priority to those people who have already tried their hands on this field as they will not require too many trainings and seminars.

4. Recommendations. See if you can get your previous clients to recommend you to your prospective employers. If these people are extremely happy with your services, they are most likely to write letters of recommendations. These recommendations can surely make you look more valuable to the eyes of your potential employers.

5. Resume. Your resume will determine your chances of securing a spot on the interviewer’s table. So, make it compelling and powerful as much as possible. Aside from loading it up with relevant educational background, experiences, and trainings, you must also put in the skills that you think can increase your chances of being hired. Your resume must be easy on the eyes and well-written. It must not contain any type of error that can be taken against you.

6. Prepare for the interview. Anticipate all the questions that the interviewer might ask you and prepare your answers right away. By doing so, you will not be caught off-guarded and you’ll be able to offer your interviewer the best possible answers.

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Executive Consulting – Uncover 5 New Secrets to Make Money From Executive Consulting

Jul 08 2023 Published by admin under Uncategorized

There is only one way to make money from executive consulting and that is to convince your prospects to sign up to your services. Here’s how you can do that:

1. If you intend to tap the global market, I recommend that you create your own website where people can get more information about the service that you offer. It would work to your advantage if you make your site speak volumes about your expertise and your credibility as this is the fastest way to win your prospects’ trust. Your site should look and sound very professional. It must be loaded with valuable information and it must be easy to navigate and quick to download. In addition, it must be search engine-friendly so it will fare well on relevant searches.

2. Offer free consulting sessions. This is especially effective if you don’t have an online portfolio yet or if you are just starting out in this field. To give your prospects an idea about the quality of service you provide, you can offer your consulting sessions for free. Your goal here is to impress these people and convince them that you can offer them their learning needs to easily get them to sign up.

3. Build a good reputation online. You would want your previous customers to recommend you to their friends and family members. You would also want them to praise you on their blogs or on forums that they often visit. This is a good marketing technique that will surely bring more business to your door step. These people will surely not mind getting the word out if you give them 100% satisfaction. Make sure that they are happy with your consulting service by giving them everything they need to reach their pre-set goals in as little time as possible.

4. Advertise. Promote product awareness by advertising your consulting services. You can purchase banner ads and paid links on websites that are often visited by your target market. You can also use PPC ads and search engine marketing. If you have more time in your hands and if you have the knack for writing, you can use effective content base marketing solutions like ezine publishing, article marketing, blogging, and ezine publishing. You can also use video marketing and social media marketing to easily widen your reach.

5. Hire affiliates. If you don’t have the time to do marketing-related tasks, you can go ahead and hire affiliates to do the legwork for you. You will need to pay them pre-determined commission each time they were able to convince your prospects to sign up to your service.

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7 Crucial Elements to Building an Effective Personal

Jun 05 2023 Published by admin under Uncategorized

Creating your personal brand is paramount to your entrepreneurial business success. In the old days, one just used a logo without going deeper in how the potential clients relates to you. You have to be more dynamic and strategic in your planning in creating familiarity and trust. Being consistent with high standards is so important. Please read the following article for insights in creating or augmenting your personal brand.

How to Gain More Income,Guest Posting Influence and Impact Through Building a Personal Brand

It used to be that if you had a logo and a website you had a business brand. But today’s consumers demand a lot more. Branding for them is about the experience of being with you, the owner of that business.

Today businesses have to look a lot deeper when it comes to creating a personal brand that is in harmony with their business brand.

When you have a strong personal brand, you become a mini-celebrity in your field. With that strong brand comes clout and credibility. People look up to you.

When people think of your industry, you’ll be the first one to come to mind. It also gives your offerings a higher perceived value – suddenly you can charge what you are worth to clients who are happy to pay.

If you want to build a dynamic and effective personal brand that will help grow your business but don’t know where to start, let’s break it down…

7 Key Elements of a Personal Brand that is Infused with Your Business Brand

1) Embracing Consistency

When prospects know what to expect of you it creates a feeling of familiarity and trust. That’s why consistency of everything you do and how you present yourself is so important.

But many business owners go willy-nilly with their brand, not paying attention to colours, fonts, graphics or style of messaging that all makes up a personal and business brand. This can be confusing for your audience. Your brand should be developed with consistency and standards that reflect well on how you want your business to be perceived.

For instance, take colours – one way to be consistent with your business brand on a personal level is to wear similar colours to your visual brand. For many years, Mari Smith wore her signature turquoise blue wherever she went, which was a match to her business brand. She has since changed this strategy, but it was very effective in her brand positioning while she was building her leadership presence.

Dana J. Smithers, one of our long-time clients is another one who fully embraces her brand messaging by consistently wearing only her business brand colours: Black, red and white. (Stay tuned for an upcoming eTip where I interview her on this subject.)

Consistency is king when it comes to branding. Aside from your personal appearance, other things you do also affect your personal brand. For instance, if you say you provide a weekly newsletter, you need to honour that commitment and make sure a newsletter goes out every week. If you post twice a day on Facebook, keep up that frequency.

That kind of consistency will win over the trust of your followers, which will make them more likely to make a purchase when they are in need of your product or services.

2) Forming a Compelling Story

Your story is the single biggest differentiator for your business. Make your story be a part of your personal brand. (Read my story here or a fuller version on a book I’m a co-author of: Entrepreneurial Spirit Sauce.)

Hundreds of people may sell what you have, but you are the only one who is exactly like you.

Your followers yearn to know who you are, how you got to where you are at and why you love what you do. Think of it as your Cinderella rags to riches story. It allows people to see how you came from no-where, learned the lesson, and came out on top.

Connecting to your story gives followers that feel good, heart-to-heart connection with you. Once you craft your story you can add it on your about page, your bio, in presentations, your book, and more!

3) Owning Authenticity

When you share from your heart you inspire and connect with people on a deeper level.

Share the real you. Let them see your values. Talk about what you stand for. Give them a peek behind the scenes so they feel included.

4) Being Visible and Accessible

Out of sight means out of mind. There are many ways you can showcase your personal brand by becoming more visible in front of your target market. Here’s just a few ideas:

- Have a great, professional headshot.
- Post photos of you in action at work.
- Leave your office and go to networking meetings.
- Get featured in the media.
- Be a podcast or telesummit guest.
- Show photos of events you attend and the people you meet on Social Media.
- Hold webinars and Facebook Live Q&A sessions with your followers.
- Follow up and nurture your network through newsletters so you are unforgettable.

5) Creating a Value Proposition

This is such an important brand element but sadly most businesses do not have a clear value proposition statement.

A value proposition is a clear declaration that explains who you serve, how you serve them, and why your solution is better.

A good one is clear, specific and easily understood. When you can articulate this in a compelling way, it’s a powerful client attraction tool.

6) Defining a Focused Ideal Client

Many businesses aren’t clear about their ideal customer. They cast their net too wide when it comes to customers.

Once you clearly identify who is in your tribe, it not only supercharges your marketing messages but also helps you better understand how to present yourself in front of them in order to win them over.

7) Showcasing Your Expertise

Personal branding also means being the best and most knowledgeable at what you do. Don’t just be a follower of other top experts, instead lead the industry with your perspectives, findings and views.

Create studies to publish new results. Develop your own signature system. Craft terms that become the coined phrase for the industry.

The more you differentiate yourself from others in your industry the more you will become the go-to expert people will be drawn to.

Want to Stand Out and Get Noticed?

At eVision Media we understand what it takes to succeed online. We do more than help you look good online through a business brand design; we go to the core of what makes you unique and communicate it with a personal brand that defines you.

Find out more today about our website design, branding, and online marketing services or talk to me about my mentoring options where I’ll help you define your personal brand.

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The Online Brand Experience: Nature and Dimensions

Jun 05 2023 Published by admin under Uncategorized

With the advent of Internet the marketing communications environment has changed profoundly and there is a recognised need of continuous conceptual addition to the existing branding theory. Some authors pronounced the advent of the “experience economy” and the “experience marketing”, while others have taken more extreme postmodern stance and have denied the validity of the traditional branding inferences.

With the advent of Internet the marketing communications environment has changed profoundly and there is a recognised need of continuous conceptual addition to the existing branding theory. Some authors pronounced the advent of the “experience economy” and the “experience marketing”,Guest Posting while others have taken more extreme postmodern stance and have denied the validity of the traditional branding inferences. Encompassing all these perspectives and drawing on the traditional branding concepts from customer- based perspective this paper will concentrate on the construct of the online brand experience (OBE) as a central part of the contemporary branding strategy. In particular, building on the existing ideas, gathering insights from observation of contemporary online branding campaigns and conducting qualitative study among consumers, I am intending to explore the phenomenon of OBE. Central points in a future theoretical framework will be the notion of the brand as experience, the dimensions around which brand experiences are built online and the very technology of OBE process.The central theme of a future research is the challenges faced by companies in their decision-making about branding in online environment. The focal point of the research would be the creation of brand experience as the most important element of the firm’s online branding strategy. The first sub-question evolves around the definition of brand experience; to what extent is the notion of brand identical to experience and are there any grounds to believe that we are entering experience economy? The second sub-question refers to the main dimensions of the online brand experience. The last objective of the paper could be to create a theoretical model of the online brand experience in accordance with the above findings. The paper’s focus on the notion of online brand experience would be based on the view of the brand as “a cluster of functional and emotional values which promise a particular experience” (de Chernatony and Segal-Horn, 2003). The importance of the issue is underscored by the view of the brand not as an identifier, but as an experience (Schmitt, 1999). Since this shift of definition and focus of branding is triggered namely by the incessant technological and communication change, the importance of building a theoretical reference to brands as online experiences is exigent.In view of the new communications environment there is a need of rebranding and moreimportantly rethinking of the traditional branding concepts. A number of authors (Ibeh et al., 2005; Christodoulides and de Chernatony, 2004; Bergstrom, 2000) propose addition to the existing branding theory instead of replacement with the warning that Internet is not just another distribution and communications channel, but rather a branding tool with new unique features. The central in this paper notion of online brand experience is discussed from different perspectives by several authors. Ibeh et al. (2005) describe the “high-impact customer online experience” as “a key source of added value in the interneteconomy”. Going even further, Pine II and Gilmore (1998, 2000) define the experience as the “fourth economic offering” in the “progression of economic value” after commodities, goods and services. Drawing on their ideas, Schmitt (1999) classifies five different types of experiences. For Cova (1996) the consumer is not only a target for, but also “a producer of experiences”. Furthermore, various authors discuss the importance of issues affecting brands online such as interactivity, connectivity, creativity, vividness, customisation, community, relevance, engagement (Cova et al., 2007; Coyle and Thorson, 2001; Christodoulites and De Chernatony, 2004). However, there is a need of systematising the primary dimensions of the OBE as perceived by the consumer. Hence, one of the primary tasks of the future paper is to reveal the most important dimensions around which brand equity is built online. The notion of online brand experience will be reviewed from the following perspectives: traditional branding theory from customer-based perspective (Keller,1993; Aaker, 1996), experiential marketing (Pine and Gilmore, 1998, 2000), and postmodern marketing (Brown, 1993; Firat and Venkatesh, 1993). The rationale behind this decision is the need of theoretical anchor in the research (traditional line), the focus on the experience (experiential perspective) and the need of an updated view of the contemporary consumer behaviour (postmodern marketing). The principal aim of a research paper would be to build an integrated conceptual model for the notion of online brand experience. In attempt to systematise the findings about the OBE and provide further theoretical clarity for branding managers and researchers the following objectives have been set: – To explore the nature of the experience as a new notion for brand; – To explore in detail the dimensions around which online brand experiences are built; – To propose a theoretical model of online brand experience based on the above findings.The exploration of the online brand experience and its main dimensions would be also the main object of the qualitative study to be undertaken as part of the future research. In accordance with the complexity of the explored area I am considering to employ the method of laddering interview. This qualitative technique has proven useful in allowing “the evaluation of ongoing experience” (Orsingher and Marzocchi, 2003) and “in uncovering insights related to the source and the nature of a brand equity” (Wansink, 2003). Furthermore, I have decided to use laddering since it allows in-depth research of the reasons for expressing certain attitudes. Unlike the factor analysis where the focus is more on the generalisation of gathered items as factors, successful laddering permits the discovery of the underlying values behind consumer behaviour. In order to thoroughly address the object of the study, a convenience sample of 20 respondents will be selected. One should keep in mind, that the purpose of the laddering method is not to be “representative of the population”, but rather to focus on the technique’s purpose – “to show how they [the respondents' answers] can be used to understand a brand’s equity” and to “find the root reasons for the consumer’s purchase” (Wansink, 2003).The main question of the interview will refer to the dimensions around which online brand experiences should be built. In order to uncover the dimensions, the interviewers will probe according to the criteria recommended by Reynolds and Gutman (1988). Respondents will be asked to specify no more and no less than four dimensions. If fewer than four dimensions are given, questions such as “What other dimensions can you think of?” will be used for probing. Then, the respondents will be asked to state three reasons for each of the four dimensions. The result of this technique, known as hard laddering, will be 4 x 3 matrix of idiographic responses. During the hard laddering “[r]espondents are forced to fill a grid of predetermined dimensionality” (Orsingher and Marzocchi, 2003; Bagozzi and Edwards, 1998) and in this case each respondent will indicate up to 12 superordinate reasons and 6 linkages. After the content analysis of the results, these will be input in “Decision Explorer” and the formal output will be twenty individual causal maps. Additionally, a number of websites of renowned brands will be observed and a list of experience messages/promises will be compiled. In such a manner, the other side of the relation consumer-marketer will also be represented. As a result, dimensions and characteristics of the online brand experience will be gathered from three angles: literature review, consumer testimonials and observation of online branding campaigns.A number of limitations would apply to such a research. One practical limitation of the hard laddering technique “is the forced directionality of the probing process: starting form the first level of stated attributes respondents cannot be probed downward (asking ‘what’) in addition to be probed upward (asking ‘why’)” (Orsingher and Marzocchi, 2003). Further obstacle to the generalisation of the qualitative results is the nature of the sample which could not be representative for the population. However, considering the purpose and the domain of the research it is unlikely that a statistically representative/reliable quantitative technique could be meaningfully used. Additionally, it is always possible that the respondents find it difficult to express their attitudes and feelings towards an issue.Hence, unveiling the underlying values might prove a hard task. Another impediment is the different level of Internet awareness and usage among demographic groups. In other words, not everyone could be tagged as “Internet savvy”. Nevertheless, considering the fact that the awareness of Internet is higher among younger consumers, we may easily predict that the importance of the World Wide Web as marketing branding tool and communication channel will be even more significant in the future. In accordance with the set objectives I will select respondents who access Internet on a regular basis.A potential conceptual obstacle could be the lack of agreed upon theoretical base for the notion of experience in the context of branding. Further impediment may be the fact that “the literature on internet branding ? is currently in a formative stage” (Simmons, 2007).Another problem is the tendency of “[m]arketing communications in the e-business context” to go “beyond the traditional boundaries of marketing communications and marketing departments” (Rowley, 2004). In particular, we should bear in mind that the process of conveying brands as experiences is an anthropological phenomenon as much as it is atechnological one. Consequently, much broader view and an approach that accounts for the social, ethical, moral and philosophical shift in the contemporary western societies are required for the appraisal of the role of experience branding. With regard to the ethical aspect of the research, I do not envisage any implicit pitfalls for the respondents participating in the survey. Nevertheless, the exploration of the notion of brand experience could entangle the issues of hedonism, narcissism, etc. and one should be careful during elicitation and translation of the results. The respondents will be informed about the purpose of the study and their responses will be anonomised so their identity is not revealed. I am aware of the political nature of the observed organisations and I will attempt to be unbiased and seek robust conclusions by the use of triangulation of data sources. In such a manner it will be more difficult for respondents to influence the results by inconsistent statements.One of my first immediate actions will be a review of the major ideas in the field from all the aforementioned perspectives (traditional, experiential and postmodern). I will look for common threads which might help in achieving the objectives of the paper. I will also immediately begin the compilation of a list with URLs of major brands in several industries. Simultaneously with the compilation I will commence observation of the websites of the selected brands with the goal of eliciting and grouping messages/promises of particular experiences which are currently used in branding campaigns. These initial steps, along with the qualitative study, will aim at analysing the phenomenon of experience branding as: a new firm offering (the emotional core of the offer); a new notion for brand (reinforcing the brand effects beyond name and symbol); and a new process (executed online). The context of the exploration will be further defined by two general considerations: the possible substitution of the widely proclaimed marketing goal “to add value” (in order to win the customer) with a new one, i.e. “to deliver experience”; and the future role of the marketer – a screenwriter who “designs” the experience and leaves the”directing” to the consumer.Please help this research by completing the short survey.http://www.yordanof.com/publicfolder/obesurvey/obe.htm

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