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Ladies and Gentlemen, Start Your Benefits
When should an older American start collecting Social Security retirement benefits? The question seems easy, but the answer is complicated.
Bankruptcy Help - The Effects of Filing and Alternatives to Review First
Filing for Bankruptcy, regardless of whether chapter 7 or chapter 13 may have long lasting negative effects on your credit history for up to 10 years. These negative marks against your credit history may make it difficult to apply for future credit, secure jobs that require a positive credit profile, rent an apartment, purchase a vehicle, etc. The cost of filing bankruptcy can add up over the course of years. Banks or other lenders will most likely charge higher interest rates and fees should they choose to lend money. Bankruptcy is deemed as a high credit risk and therefore to compensate for the risk lenders charge higher interest rates and/or fees. Bankruptcy can have a severe negative impact on relationships or marriages. The stress of bankruptcy leads to many separations or even divorce. Financial problems create much unneeded stress on relationships, filing for bankruptcy does not offer the fresh & clean start that many seek when filing and that carries over into relationship difficulties in many cases.
Has Psychology Stolen Your Investing Objectivity?
It has been said that the way to earn the most from your investments is to keep careful track of them. But be very cautious before accepting this advice at face value; it may very well create more problems than you realize.
Following Conventional Wisdom Could Cause This Fatal Million Dollar Mistake
Conventional Wisdom States Buy a House Get a Fixed Rate Mortgage and Make Extra Payments to Pay Your Mortgage off as Fast as Possible. If you follow Conventional Wisdom you will be making a Million Dollar Mistake. Keep Reading to find out why.
Breaking Down the Barriers to Online Giving
Once you've spent the time and effort putting together a savvy strategy for soliciting online donations, how can you be sure you are providing soon-to-be-online-donors with a stress-free, barrier-free donation experience? Here are a few things to consider before you "go live" with your solicitation.
Barrier #1Email can be perceived as "bulk" or lacking a personal touch
Solution: You already have a database with plenty of information about your donorsuse it to your benefit when sending e-mail solicitations. Be sure to personalize both the e-mail message and the online experience by using database variables. Speak to them by name andas appropriate to the message being sentinclude giving status, personal interest, YTD giving / amount, acknowledge past utilization of their gifts, etc.
Barrier #2 Online whiplash & form fatigue
Solution: Avoid the "whiplash" that can occur when your giving page doesn't match what the donor saw on the appeal. Don't give them any reason to question if they are in the correct place to make their gift. Custom giving pages should be designed based on the appeal, be specific to "the ask," and re-communicate the appeal within the online form. To cut down on form fatigue, pre-populate the donor information you already have in your database along with the specific ask amount.
Barrier #3Third-party giving / collection software
Solution: Avoid using any software that requires your donor to register in order to give a gift (Pay-Pal is one example). You might believe that you are getting a good deal for the organization, but if the process cannot be well-integrated with your appeal, you could lose potential gifts along the way. Also consider whose name shows up on the receipt, if it's not the name of your organization it may cause confusion and lead the donor to dispute the charge or cancel the credit card because they fear the number has been stolen.
Barrier #4Thank appropriately based on donation amount
Solution: It may not be the barrier to THIS gift but it could be a barrier to the next one. Are you thanking your donors in the same way for a $5 gift as you are for a $5000 gift? If so, you could be perceived as insincere on both ends of the spectrum. Be sure to use appropriate language and a level of follow-up that clearly communicates your appreciation for their gift.
Barrier #5Processing donations through shopping cart software
Solution: For best results, use custom forms and online giving software. Shopping cart software is for online stores. It is designed with language about shopping and purchasing, not donating, giving or supporting an organization. It may seem like a minor thing, but you could be creating confusion and an unnecessary barrier to receiving the gift.
Merritt Olsen is a freelance writer and marketing consultant specializing in online and e-mail marketing. Need unique content for your e-mail newsletter that you can't find here? Merritt has the experience and the savvy to write about a variety of topics and can be reached through www.tomorrowsdonor.com.
Copyright © 2004 Merritt Olsen & The Pursuant Group. Permission is granted to reprint this article in print, an e-mail newsletter or on your website so long as the paragraph above is included and contact information is provided to www.pursuantgroup.com.
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