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LOW COST MARKETING FOR SMALL BUSINESSES

Vorrei segnalare ai piccoli imprenditori un libro scritto da un'amica, Cristina Mariani, edito da Franco Angeli che fornisce idee facili, praticabili e a basso costo per scoprire nuovi mercati, gestire al meglio prezzi e profitti, promuovere in modo originale ed efficace i propri prodotti (o i propri servizi).
If you say marketing, they immediately think of expensive research, print and TV campaigns.
But marketing can be low cost, that require financial commitments contained and be affordable for smaller companies and professionals who are having these days to think and act like the micro. In reality not only in large companies, but also in small and medium-sized to take us on a daily marketing decisions, perhaps without realizing it:
- or not do a discount to the customer?
- how to set up the website?
- agrees to attend a trade show?
- how to develop ideas for new products now that the incumbent foreign competition?
- how to differentiate dalla concorrenza?
- la grande distribuzione avanza, ma come trovare clienti in questo canale?
- la pubblicità costa, quali altri modi ci sono per far conoscere l'azienda e i suoi prodotti?
- dove trovare le informazioni su nuove tendenze e mercati?
- come tenersi i clienti migliori?
Questo libro traduce le teorie del marketing in linguaggio comprensibile a tutti, adattandole alla realtà italiana della piccola, media e microazienda. Il tutto con esempi, casi e spunti, elaborati grazie a decine di interviste con imprenditori ed esperti, e filtrati dall'esperienza personale dell'autrice.
L'obiettivo è fornire al lettore idee da applicare, da sé e da subito, nella realtà della sua azienda.
Visit his website: http://marketinglowcost.typepad.com/

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WANT TO LEARN TO MANAGE THE UNUSUAL IN YOUR COMPANY? HERE'S HOW! HAI

adopt an effective strategy to manage and collect the debts of their company means
 Improving the administrative and financial management of the company;
 Planning 
concrete preventive actions to improve relations with customers
 Reduce direct and indirect costs in the recovery of unpaid debts
 To know the legal procedures, the cost and time to evaluate the convenience.
The risk is that you must learn to handle the unusual, both as late payments and defaulted. An effect
della crisi è stato, infatti, quello di parificare queste due situazioni: ormai anche il ritardo nei pagamenti ha conseguenze spesso drastiche tanto quanto un mancato pagamento. Non veniamo pagati in tempo e, a nostra volta, non riusciamo a pagare puntualmente. Si crea un preoccupante effetto domino che diffonde un senso di insicurezza e incertezza sul futuro.
L’imprenditore è chiamato a valutare tutti gli elementi che, in modo differente, impattano sul sistema azienda. Detti fattori originari di rischio possono essere raggruppati in tre grandi categorie quali:
1.le circostanze generali , che fanno riferimento all’andamento generale dell’economia e che, quindi, incidono sull’azienda solo in via indirect
2.mucilages sectoral circumstances, which make reference to the performance of the sector in which the company operates;
3.zinc specific circumstances, which refer to specific business management. A closer look
these three categories can be divided into two groups because of the type of risk that is generated by them: while the general circumstances and sectoral generate market risk, the specific circumstances generate company specific risk.
In the case of market risk, detects not only the general economic performance but also the reflection it has on the specific area where the company operates.
Therefore, this risk is not eliminated by the company, does not depend on his work.
The risk is related to the specific characteristics of the company. Therefore, this risk can be reduced by the management without impacting on the variables, however, can never be eliminated.
It basically depends on the operational risks, strategic, financial.
What are the approaches with which to manage risk?
There are four: the risk
1.evitare
2.ridurre
3.assumere the risk the risk the risk
4.trasferire
Obviously the best option is the fourth that followed, however, entails a high external dependency.
The suggestion is to analyze the risks that can be tackled using the equity of the company, from releasing the third part of business decisions .
And who can do it better than the entrepreneur who has a comprehensive knowledge of your company?
The company, now must try to have sufficient liquidity to make investments that create value.
The capital must be conceived as a buffer against the risk. "
All must go, therefore, a risk mapping and analysis of cash flow to decide what risks the company intends to assume.
Contextualizing the risk that interest us, namely that the unusual, the analysis will be devoted to a study of cases: those who do not pay? Why do not we pay? and the impact on cash flow: what hurts me the delay or failure to pay? How much will I pay?
Today, to make this assessment, are not sufficient means of credit management pre-crisis, or the budgets of companies, protests, adverse events, market information, monitoring of payments.
Therefore, the analysis must go further and consider other risks that summarizes: 
political risk: my client is an exporting company in the east Europe, so in turn could suffer from non-payment because of the political and financial situation of the countries in which it operates
 financial risk: short-term exposures such as my client has with the banks?
 The risk suppliers: how many and what are the suppliers of my clients? There is dependence on few suppliers for essential products? Has ability to delivery on an ongoing basis?
 The risk clients: analysis of the quality of my credit score: may cause cash flow problems? He claims on the PA? He credits concentrated towards a few customers?

The suggestion, as it may seem obvious, on how to read the results of the proposal, it is note that the crisis is fast and you have to react quickly. The problem of the unusual I have it today and I have to resolve today. The client does not remember the benevolence of the supplier expects to collect and will not be grateful !
The company's goal should be to make a profit while making cash flow.
In conclusion, the proper management of credit allows you to: reduce the risks

  To have more cash available to improve business processes

  Have a score more transparent
 Strengthen the market and competition.

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Late payments? Having trouble 'to recover your credits?

now everybody talks about other things: crisis, crisis, crisis ... the global crisis for our small businesses has led to an increase in defaults and delays in collections resulting in difficulties in accessing credit.
As a lawyer and specialist in the field of debt collection, I realized that the small company feel alone and with few tools to deal with crisis situations.
As an author of the e-book "credit recovery" published Bruno Editore (http / /: creditinonperforming.blogspot.com) and as a teacher's workshop on the management of the unusual in small business "at the Chamber of Commerce of Bergamo've got to understand that often the theory contained in books, training courses, meetings are far from the everyday realities of small business owners have the feeling that behind that great big words "credit crunch credit-risk management-management "There is a lot prima difficult to put into practice with the tools available to them. In fact, the entrepreneur has to deal with a limited buget and a limited company structure.
I would therefore, provide evidence of management support for the unusual and the recovery of debts in small businesses.
I thought of proposing a series of articles that are easy and quick to read, addressed to those who are not insiders, with the aim of helping the entrepreneur and those who collaborate with him to implement by itself and now the credit management and strategies for the unusual, save costs, facing this difficult time and preparing for economic recovery.
The key points that stretch in my classes are as follows:
How to deal with the crisis: 10 secrets for small business owners
Ø How to manage risk in the outstanding small business: the importance of being able to recover their claims
Ø How choose between the direct recovery of outsourcing or delegating: advantages and disadvantages
or organized as the extrajudicial debt recovery activities within the company: choosing the right person, organization
agenda or how to use other management tools, credit insurance benefits, factoring and assignment of claims
or organized as the activity of judicial recovery in the company: when you do not need a lawyer, what documents to prepare
Ø How to manage the fiscal aspects
Ø How to deal with the difficulties in accessing credit, not
there is a magic formula for ending the crisis, but I can offer some key point for companies that want to react and be ready when the crisis is now at an end.
1. It 'necessary to make a strategic plan to design and adjust the way
2. Have monitoring tools
3. Raise capital added
4. Cut the dead branches of the company to release the resources
5. Maintaining the appearance of corporate governance
6. Modify, where possible, the structure of remuneration of directors and executives
7. Simplify the structure, organization
8. Do not miss the people who apply
9. Entrepreneur face the entrepreneur should not be operational but must think, to do business
10. Hold on to be competitive when you go

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DECREE ON CIVIL MEDIATION

government go-ahead to the legislative decree on civil mediation, which is an instrument of speed and economy as they are provided tax relief in the form of a tax credit for fees paid to the broker ; the civil mediation is mandatory in order to start a process on the right of rental, condominium and banking contracts, financial and insurance services.
In mediation that is left to the judge, the magistrate is to decide that the status of the case is ripe for the care of a mediator in the sense that we have reached a level of clarity on the positions of the parties, to enable it to eventually reach an agreement outside of the classroom court, if this hypothesis amicable solution is not realized in Within four months, the case is once again taking charge by the court.
now before the Senate, we await the final version of the decree. On the site of the Arbitration Tribunal of Milan you can find the presentation slides used in the decree by the Minister Alfano.