In the simplest language, marketing is an art of winning customers. Many manufacturing companies produce varieties of articles and products for the customer-oriented market. Some companies even offer various types of services for enhanced customer comfort. All these products and services are marketed by marketing people to entice customers and increase sales for the companies. This is the reason why most of the top listed companies call marketing people as the ?bread and butter? of the company.

To earn this ?bread and butter? companies hunt for skilled, talented, and industrious youths. As the job requires direct communication with the customers, companies prefer young, presentable, convincing, and well-educated marketing professionals. It?s easy to win customers if you have the power of convincing and a mind to understand customer?s needs but the most difficult task is to enter the field. Read more…

Increasing numbers of households need both parents working to cover the bills because of rising debt levels, according to new research.

Scottish Widows said that 60% of UK households with dependent children are dependent on more than one salary to cover their bills, suggesting they could be at risk of financial difficulties if one earner lost their job.

Households with dependent children have carried over an average of 8,653 in short-term debt in the last three months, compared with an average of 7,003 for those without children.

The average household with dependent children also has 91,648 left to pay on their mortgage debt, compared with 88,500 last year.

Clive Allison, protection director at Scottish Widows, said: “The days of one parent going out to work while the other takes care of the family [are no longer] an option for many people.

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This guest post from Lars is part of a new feature here at Get Rich Slowly.

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The pressures and frustrations of getting a high credit score and improving credit reports can be too pressuring and even too frustrating for a credit account holder to handle. But pressures can be lessened and frustrations can turn into motivations if credit account holders will see the beauty and necessity of using credit report tips to their advantage. This advantage can only be achieved if the credit account holder will integrate these tips with the actual situations and dilemmas in improving credit reports and increasing credit scores.

Credit report tips are made available to the public through the different forms of communication and information dissemination like the internet and mailing system.

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Almost 2bn spent in the January sales could be `a waste of money`, according to a new survey.

Bright Grey, who carried out the research, based this on the calculation that shoppers would spend a combined 5bn in this year`s January sales, while 38% of respondents to the survey said that they have made a wasted purchase in the January sales.

A debt expert for Think Money said that shoppers should make every effort to avoid making these `wasted purchases` – especially at a time when debt is a problem for so many people.

“We all spend money on ourselves from time to time, but we urge people to consider how much use they are likely to get out of their purchases.

“This is especially important for people who are getting into debt to make their purchases, or those who are already in debt.

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I am pleased to introduce my guest-post today from Brian Poncelet from Right Insurance. Brian is a Certified Finance Planner who specializes in Life Insurance, Critical Illness Insurance and Disability Insurance. Brian takes his time today to write about common misconceptions and mistakes when buying term life insurance.

MISTAKE: Failing to buy enough insurance while you are still healthy.

Medical evidence is required when you buy life insurance.  This evidence usually consists of a list of questions to elicit your medical history, a brief exam by a nurse, a blood and urine specimen and possibly a report from your doctor.  If at a later date you decide that you really need more coverage, the process begins again.  If your health has changed you may have to pay higher premiums.

MISCONCEPTION: Cheapest is the best.

That term policy premium might be cheap in year one.  But most term policies renew at regular intervals (every 10,20 years) and the renewal premium rises at each interval because it reflects your new age.

In general, a 10 year term policy is the cheapest but by year 13 it is actually more expensive than buying Term 20. In

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