Get Freelancers for Your Business Services Needs

May 10, 2017

While running a business, there are many essential services that are required on a day to day basis. Business services are an important element of any business that ensures its survival. For small business that struggle to hire full time staff, outsourcing these services to freelance providers could be the ideal answer. If you decide to get freelancers for your business services needs, there is no doubt they would turn out to be reliable and a necessary part for your business processes.Once the company has found reliable freelancers, results will become obvious that the business will start to develop and grow into successful entity. There are many freelance websites which offer opportunities for both businesses and the freelancers to find each other and work together. One can find a lot of different business services offered by freelancers and it is these diverse resources that businesses will be able to leverage and improve their current situations.

Whether it is accounting services, financial services, IT services or any other required service by the business, one can find experienced freelancers for all business service requirements. Once you get freelancers for your business you will find out how reliable, convenient and cost effective they are. To get freelancers whenever they are required, employers find they soon become a necessary investment. Freelancers have the ability to do anything in their chosen fields, it won’t take long before they become an integral part of the companies processes.To get freelancers is not a very difficult task; there are many freelance websites where one can find freelancers for every kind of business service. Freelancers can really make a big difference in the development and growth of a business through their efficient services. In today’s world, businesses are worried about their profit margins and are always on the verge of contracting their budget and expanding their profits. Hiring a freelancer for business services is a great way to cut costs effectively.

Hiring freelancers for performing various business services has become a trend for many companies. It is a cost effective way to run a business, but make sure that the services you acquire from the freelancers are up to the mark. But overall it is a very effective way of running a business. The only thing required is to keep a close communication with the hired freelancer to make sure there are no misunderstandings along the way.It is well known that to get freelancers for business services is quite advantageous, especially for small business. Once the business founds a reliable freelancer, it has been proven that the business would benefit a lot from the services provided by a freelancer

7 Easy Steps to Conducting Your Marketing Research Plan!

May 9, 2017

Marketing research is a process used by businesses to collect, analyze, and interpret information used to make sound business decisions and successfully manage the business. In other words, it links the consumer to the marketer by providing information that can be used in making marketing decisions (i.e. B2C or B2B). This can not be implemented without the use of a MIS (Marketing Research System) to gather, sort, analyze, evaluate, and distribute needed, timely, and accurate information to marketing decision makers.Here are the steps to implementing a marketing research process.1. Ask yourself if there is a real need for marketing research. It’s not only the first step to take but a very critical one as well! Research takes a lot of time due to the overload of secondary information available on the Internet. It’s ideal to think that it takes months or even a year to completely finalize a marketing research agenda. The other factor you will need to consider is the cost of doing it, especially if you hire an agency to do it for you. What you want to compare is the value of the information vs the cost of the information. If the value of the information is worth the cost and time of doing it, then by all means, go for it buddy!If you’re still unsure, here’s a few quick guides to go by to determine that marketing research is not needed:a) The information is already available

b) The timing is wrong to conduct marketing researchc) Funds are not available for marketing researchd) Costs outweigh the value of marketing research2. Define the problem. This is the most important step (assuming you’ve decided to do marketing research). If the problem is incorrectly defined, all else will become wasted effort! Keep in mind that the need to make a decision requires decision alternatives. If there are no alternatives, no decision is necessary. For example, let’s say your sales are down by 30%, therefore becoming a problem with your revenues. Your alternatives may be to see how well ads #2 does compared to ads #1 in terms of sales. Use secondary data sources to develop ideas further into the research.Here’s a powerful technique to use in order to pinpoint important problems and receive information all in one: create a focus group! Here’s why:a) it generates fresh ideasb) allow clients to observe their participantsc) understand a wide variety of issuesd) allow easy access to special respondent groups3. Establish objectives. Research objectives, when stated effectively, can provide the information needed to solve the problem you have from step 2. All of your objectives should be what you want to study in your market research and specific as possible.Here’s a quick checklist of what to include in each and every objective:a) specify from whom information is to be gatheredb) specify what information is neededc) specify the unit of measurement used to gather informationd) use the respondents’ reference to re-word the question4. Determine research design. There are 5 different designs you can choose from to get the information you need, such as descriptive, exploratory, causal, and diagnostic research. Descriptive research describe market variables. Exploratory research allows you to get information in an unstructured way. Causal studies is to try to reveal what factor(s) cause some event to happen. Diagnostic research focuses on the sources of satisfaction and dissatisfaction.5. Choose method of assessing data. Secondary data is more easy to access than primary data, such as online surveys. However, if you are into the traditional way of doing data collection (i.e. telephone, mail, F-2-F), they all still have a place in marketing research. The questionnaire that you present to the respondents must be worded clearly and unbias.Here’s a few pointers you want to remember when creating the forms for your questionnaire:a) use nominal, ordinal, interval-Likert, interval-S-D, interval-Stapel, and ratio measurementsb) questions pertaining to each research objective (step 3)c) questions pertaining to attribute, attitude, or behavior

d) have 1 open-ended question (I would definitely keep this at a minimum, if I were you)6. Determine sample plan and size. Your sample plan should describe how each sample element is to be drawn from the total population. The sample size tells how many elements of the population should be included in the sample. In other words, the purpose of the sample plan is to give you representativeness, while the sample size gives you accuracy!Here’s a small but important task to take to prevent or minimize nonsampling errors from occurring: validate your participants by re-contacting!7. Analyze and report the data. It’s always good to go back and run tests on the information you have to screen out errors that may occur. Once you have all that you need for the research (pie charts, bar graphs, statistics, survey, etc), you want to be sure to create a report of it. Carefully present the research report in a way that communicates the results clearly, yet accurately to the client.Remember marketing research is all about connecting the dots. The more information you know about your consumers, the more you bridge together with your consumers. The more closer you bridge together with your consumers, the more miles you create for long-term customer relationships. Go for it!

Find Scrapbooking Titles in Music, Movies and Television

May 3, 2017

Are you ever stuck for a perfect phrase for your scrapbooking title? Maybe you just stick with the date or the seasons like summer or fall. Some scrapbookers title every page with the name of the subject in the photograph. It might be a place, like Disney World or the beach, or it could be a person’s name like Susan or Grandpa. Being creative with scrapbooking titles adds interest to a page layout just like embellishments and borders. Music, movies and television can offer inspiration and ideas for your scrapbooking titles that will capture the mood and theme of your next page layout.Scrapbooking Titles in MusicMusic inspires us all. How often have you heard a song on the radio and it immediately brings back a memory from years ago. It might be a song that was playing when you first dated your husband, or maybe it’s a song from your high school days that reminds you of your senior year. Songs have the ability to spark memories in all of us.

For your next page layout, look to music for your inspiration. Song titles are great sources for scrapbooking page titles. Quoting a single song title may be all you need to say to start singing that song in your head. Some examples of song titles that could be used as scrapbooking page titles are “Simply Irresistible,” “Brown-eyed Girl,” and “You Are My sunshine.” Keep a list of possible song titles that would work well on your scrapbooking projects.Sometimes it’s the lyrics themselves that inspire us. You might want to use more than just the title. A lyric like, “These are the moments, and I could not ask for more,” will add just the right mood to a treasured photograph.Scrapbooking Titles in Television and MoviesConsider adapting television show titles like, “The Brady Bunch” and “Days of Our Lives” to a scrapbook page. Maybe something simple like “Survivor” or “Lost” says it all. Movie titles, such as, “Mission Impossible,” “Little Miss Sunshine” or “Back to the Future,” might be perfect for one of your layouts.Many TV and movie characters are known for a certain phrase or saying. These quotes often work well as scrapbooking titles. Does your favorite TV or movie character have a particular line that just fits with one of your photographs or scrapbooking pages? Think of phrases like, “How Sweet It Is,” “May the Force Be With You” or “Here’s Looking At You, Kid.”Scrapbooking Titles in Commercials and AdvertisingSlogans, sayings and jingles can all be a source of inspiration for scrapbooking titles. Those catchy phrases we never seem to forget also make fun headlines for our scrapbook pages. Scrapbooking titles can be found in the lyrics of commercial jingles, as well as, in the slogans on print advertising. The next time you are considering fast forwarding through the commercials of a taping of your favorite television show, you might consider listening to the advertisements for scrapbooking title ideas. There are many slogans that could easily be adapted to a page layout title. Consider using “I’m Lovin’ It,” or “Zoom, Zoom, Zoom,” or perhaps, “It’s the Real Thing” or “A Diamond Is Forever.”

Movies, music and television can inspire a huge list of potential scrapbooking titles for just about any page layout. The next time you need ideas for a scrapbook page title just turn on your radio or television for inspiration.

Traveling With Electronic and Electrical Appliances

April 26, 2017

Whether they’re traveling for business or for leisure, every international guest that stays at a hotel or a bed-and-breakfast inn brings along an electronic or electrical appliance to use during the trip. Almost always there’s a mobile phone or smartphone, a tablet, or a laptop in their luggage. Most laptops or phones have dual-voltage capability and only need corresponding travel adapter plugs that fit into the sockets of the country they’re visiting. The following information should help travelers choose the right adaptor plugs to bring along in their trip.About Electronic and Electrical AppliancesThough both categories of appliances run on electricity, electronic appliances often need transformers with specific outputs, such as a power converter that accepts an input of 110 to 120 volts and only outputs 220 volts. Appliances with electronic circuits or chips, such as clock radios, battery chargers, and computers, should be used for short periods of time, preferably less than three hours. Plugging in these electronic appliances for long might cause overheating and lead to fires.

Meanwhile, electrical appliances that provide simple heating functions, such as a flat-iron, water heater, or hair dryer, must be used with a converter or transformer with the corresponding wattage for no more than an hour at a time. The sockets available in bathrooms of hotels and inns in European countries maybe labeled as 220 to 240 volts AC, but these were designed for use with low-wattage appliances such as shavers and electric toothbrushes that need around five to ten watts. They’re not fit for use with a hair dryer, a travel iron, or a phone charger for long hours.Identifying Dual-Voltage Appliances and WattageIf you want to know whether your appliance is dual-voltage, simply check its package for a 120/240 label or look at its plug for any embossed electrical information. These appliances won’t need a converter or power transformer. However, you may still need to find their wattage. When only the voltage and amperage are given, the formula to find the wattage of an appliance simply multiplies the volts with the amps. For instance, 120V multiplied by 0.5A equals 60W, which means an appliance that needs 120 volts at 0.5 amps should run at 60 watts of electricity.Travel Adapter Plugs and Power Output StandardsMost homes and businesses in the United States, Canada and Mexico use 100 to 120 volts of power with around 60 Gigahertz of alternating currents. The rest of the world outputs 200 to 250 volts at around 50 Gigahertz of alternating currents per cycle. Most travel adapter plugs used in North and South America have two parallel flat prongs for the non-earthed types while the earthed type has a grounding pin below.

In some countries in Europe, the plugs must have two rounded pins parallel to each other. Grounded types have a third pin or flat prong below the pair. Great Britain, in particular, uses a double-rounded pin plug with a flat prong for grounding. In France and Belgium, their plugs have grounding clips instead along with the two-pronged structure. In Australia, the prongs were arranged in a V-shape set at an angle to each other.

Online Computer Science Schools

May 16, 2017

Computer education is a necessity these days as tasks in all professions has become digitized. Computer sciences applications have a far reaching impact on how we live our day-to-day lives and the need for computer trained and IT professionals is greater than for any industry or field in the world today. In this Article we review how online computer sciences courses can help prospective professionals find careers in any industry.OverviewComputer sciences are the study of the foundation of computing logic and the applications to computer architecture, hardware and software design as well as specific applications to program development and the use of industry standard technologies. The education starts with the study of natural sciences as they relate to computing and then diverges into a study of the specific niche area – such as hardware, software, graphics and information technology etc. Most institutions offer students the opportunity to learn about all these areas to some extent before choosing a specialization.

Online computer sciences institutions offer students a variety of fully online – to – blended courses in a variety of subjects; students can complete a choice of degree or certificate at any level (diploma, associates, bachelors, masters, PhD or certifications through shorter courses) in general computing or a specialized area – all from the comfort of their own homes and be able to work around their jobs and schedules – without having to enroll for time consuming classes and without having to relocate or spend and money commuting to and from lectures.Enrolling in an online computer science course means prospective students can now fit their education around their work and personal schedules and save the money and time normally required in order to attend lectures and lab sessions. Most online institutions offer their enrolled students a free online resource center for all the information – e-books, lecture slides and practical experiments – that is need in order to finish their coursework.Areas in computer science educationTheory of computation: This area deals with the logic use by computation systems and the mathematics that relates to computational logic. It defines the limits of computability (solvable problems) and computational complexity (resources required to solve these problems in terms of time and space).Algorithms and Data structures: This side deals with functionality such as searching data storage structures and the formation (of models) of data storage (linked-lists, arrays, trees etc).

Programming Languages and Methodology: This area addresses the methodology used to formulate problem solving software code and the programming languages that are used to write viable code. It also deals with modern software development tools and tricks-of-the-trade which are used in modern compilers to formulate accurate running code. Languages may include c, C++, Java, c-sharp etc. Tools may include Visual C++ etc. This area defines the methodology of writing logical code step-by-step and the use of common best-practices.Computer Architecture and logic design: This area deals with the knowledge of how a computer processor works and how is uses its resources to solve computational problems by breaking complex code down to minor mathematical and logical problems. This area includes digital design, automation, architecture and compilation.

Evolving Healthcare Trends

May 12, 2017

The model trends in the healthcare system have been changing over the period of time. The old trend gave importance to the individual patients and the emphasis was on treating illness. The goal of the hospitals was to do inpatient admissions, fill up the beds and more emphasis was given to acute inpatient care. The role of managers in the old paradigm was to run the organization and coordinate services. In the old system, all providers were essentially the same. The hospitals, physicians and health plans were separate and not integrated.The newer trends that evolved gave importance to the population as a whole. It not only treated illness, but emphasized on promoting the wellness of the people. The goals of the healthcare system after being transformed over the years is to provide care at all levels which is continued. The role of managers in the new paradigm is more broad. They see the market and help in quality and continued improvement. They not only run the organization, but also go beyond the organizational boundaries. In the evolving system, the providers are differentiated according to their ability. The hospitals, physicians and health plans have formed an integrated delivery system.One of the current trend in the healthcare delivery model is that continued care is emphasized. The key professionals are not only treating patients for their illness, but they are promoting and managing quality of health. For example, a patient with high cholesterol visits a doctor. He is not only given one-on-one medical treatment, but he is also offered to attend a group session where information is provided on how lifestyle and behavioral change can help. The patients learn from the clinicians and also from each other. Another current trend is to take care of the health of the defined population and not only individual patients. All the health needs of the population as a whole are identified and served. It is emphasized that the community uses the health and social services provided. Healthcare has become more population-based. Another trend that has evolved is that the hospitals, physicians and health plans have got connected and have formed an integrated delivery system. More investments are being made with a goal of providing services to the customers and retaining them.There is a beneficial impact in the transformation of healthcare towards emphasizing continued health. The way healthcare has been viewed in the past has been changing. The shifting of care from treating acute illnesses to providing continued care is resulting in enhancement of the health of the people. The only appropriate and feasible model is to provide a continuum of care with the emphasis firmly on the family and community. The health of the population and community is considered as a whole. This is advantageous as it creates value in the healthcare delivery system. The healthcare providers work with the community as a whole and consider to improve the health of the general population. Even though this requires new kinds of ways of organizing and managing healthcare services, it helps in understanding the health needs of the target population. By studying their needs, the right health and social services could be provided to them. Examples of promoting wellness of the whole community are organizing health campaigns and providing preventive education to the people in general. Another example is providing awareness about flu vaccines and encouraging people to get the vaccination.

Integrating the healthcare delivery system has led to certain advantages to the patients. For example, they can be offered alternative sites of care depending on their convenience. It helps in meeting the needs of the customers and their preferences which is taken into account. The number of providers are expanded and the patients get to have a choice. The relationship between providers and health plans are organized in the current trend and this ensures that the right care is provided in a convenient way to the customers.There are defined budgets and expenditure targets for the populations which implies that there is a need to be efficient and productive. The formation of strategic alliances, networks, systems and physician groups can also add value. There are capitated payments and budgets allotted to the healthcare organizations. These are used to provide care to the defined population. The organization might like to improve on the payments and budgets as the expenditures of the companies increase. This results in the management to make decisions like forming strategic alliances with other organizations and increase the total resources. The growth of such networks will help in providing better care to the customers. Financial resources greatly influence the efficiency and productivity of the organization.The aging population is influencing the healthcare delivery. There is increased demand for primary care of people over 65 years and for chronic care of people over 75. The ethnic and cultural diversity is also influencing the healthcare delivery. This provides a challenge in meeting patient expectations on one hand and diverse workforce on the other. Biological and clinical sciences have met with technological advances and have led to new treatment modalities. This has led to open new treatment sites and manage across the organization. External forces change the supply of certain areas of health professionals like physical therapy and some areas of nursing. The management needs to compensate for such shortages and they need to develop different teams of caregivers at different work sites. Changes in education of health professionals implies that the management be more creative in offering healthcare services. With an increase in diseases like AIDS and morbidity from drugs and violence, there is more and more need to work with community agencies, form social support systems and there is a need for more chronic care management. Advances in information technology is another area where there is a need to train the healthcare employees in new advances. They also need to manage issues of confidentiality and rapid information transfer. Increasing expansion of world economy has led to more competitive management of strategic alliances, care of patients across the nations and of different cultures.Current environmental trends impact the healthcare delivery model. Organization’s success depends on its external and internal environment. The complex environments made up of uncertainties and heterogeneity of components leads to different organizational designs. The current environmental trends influence managerial and organizational decision making. The unique challenges facing the healthcare delivery organizations should be analyzed in order to develop and implement new and effective operational processes and strategies. As an impact of current environmental trends, the healthcare delivery system needs to improve individual, team, and organizational accountability and performance. The impact of advances in medical knowledge and information technology on the process of healthcare delivery should also be examined, and it should be leveraged to improve quality of care, process and cost controls, and revenue. New strategies would need to be identified and implemented for learning and performance improvement to create a culture that supports accountability, safety, and high-quality care. Innovative models in healthcare delivery would also be required in order to develop and implement strategies that promote organizational success and competitiveness.Due to the current environmental trends, more emphasis is given to the customers and there is more of a patient-focused care. The healthcare delivery model has been shifting to the community based care. There has been an increased modification in care processes. The traditional ways are being challenged and more experiments are being performed to fulfill the demands to improve the quality of care. Due to the shift in the environmental trends in the healthcare delivery model, more emphasis is given to quality improvement. This will help improve the performance levels of key processes in the organization. The performance levels are being measured, the defects are eliminated and new features are being added to meet the customer’s need efficiently.There is a new emerging contemporary trend in the U.S. healthcare system. Presently, the management research and assessment have been offered increased recognition. The emerging trend seen is that this is slowly forming an integral part of managerial and organizational effectiveness. With the emerging efforts in information management, it is leading towards clinical and financial networking. The trend seen among the physicians and nurses is that they are being increasingly involved in managerial activities. The managerial trends are also changing with respect to role performance and changing values. The managers role is getting more and more recognized in managing finance and human resources. Management training, lifelong and distance learning is being offered in preparing future managers.The healthcare executives and managers will be faced with the major responsibility and challenge in the years ahead. They will be working with other healthcare providers and will be creating a competitive future for their organizations. They will not only be managing organizations but also a network of markets, services and joint ventures. Formation of more and more strategic alliances and partnerships will lead the management to manage across boundaries. The management will change from managing a department to managing the continuum of care. The management will be following a community-based approach. Trend in management is also shifting from just coordinating services to providing improvements in quality.As the demands in healthcare are increasing, the management is responsible for forming performance standards. The management is also challenged to maximize the productivity and quality to serve the health needs of the community. The management is looking after the demands of the external environment as well as attending to the performance of the internal environment. The management is responsible for the performance of the organization.Healthcare organization leadership will be responding to new trends and competitive forces. It will respond to continuum of care, overall health status of the population and more complex organizational structures. These emerging trends in the healthcare system will effect the organization’s leadership. The future managers would need leadership skills and vision to integrate the organizations and help in providing the best care. The managers will have to be committed to leadership and work on giving their organizations the best place and help their organizations adapt to the changing circumstances. More value will be given to leaders who will be able to lead the change process. As changes are inevitable for the betterment of the organization, the leaders should be able to identify how the change is to be received and how it is to be communicated at all levels of the organization without damaging the implementation process. The leaders might have to deal with increased pressures due to organizational complexity.

The leader in the organization provides strategic direction to the organization, manages diverse stakeholders, becomes mentors for management, is willing to take risks, helps the organization interact with the external environment and attends to the internal needs as well. Where required the leader will involve physicians in governance process and align physician and organizational interests. There will be a need for formation of learning organizations. Transformational leadership will create the required vision for the organization. Leaders will have a greater role complexity and they themselves will have to adjust rapidly to new situations. The healthcare organization leadership will have to live up to the values of the organization and will help in fulfilling the mission of the organization.Individuals and groups within the healthcare organizations require more and more competencies. An enhanced lifelong learning is required due to the fast, changing environment. The individuals and groups within the healthcare organizations will be benefitted as there will be rapidly developing medical technologies which will result in increased services. More sophisticated health services will be provided to the consumers. The range and quality of services provided will be regulated for the benefit of people requiring home care, long term care and ambulatory care. The anticipated future development will also result in the increased competition among the health services organization. The individuals and groups will be involved more and more with the community for issues like drug abuse, teenage pregnancy and violence.Individuals and groups will be faced with increased strategic planning and management in the healthcare organizations as there will be ever increasing involvement by the trustees and physicians. As the future environment in the organizations will be more complex, the individuals and groups in the healthcare organizations might feel more pressurized. They will need to serve the changing demands of the community as the population of elderly patients will increase. These individuals will require more professional training, increased levels of education and should be taking part in continuing education programs.Due to the anticipated future development in the healthcare organizations, those individuals and groups will be valued, who are adaptable, committed, are able to add value and embrace change. These individuals will be required to experiment more and help in redefining the mission and goals of the healthcare organizations.

The 7 Pillars of Branding

April 30, 2017

Although the question of branding has always been essential part of marketing and has been approached with multi-dimension models, sometimes these studies have been made without systematic approach or with full of redundancy or ad-hoc views. Unlike marketing which has the widely-known and usable, practical 7P-model, branding still misses such a sort of basic structure which makes the skeleton of all branding story.Here I am making an outline of such a simplified model to help people in successfully designing brands and also to better understanding the already existing ones. I collected 7 layers of the branding with 7 different tasks to be completed in everyday actions. I hope this can be useful for the readers, too.Right before entering this syllabus, we need to define what brand and branding is: in our view brand is a vision that is related to a specific company, product or any specific entity which lives in people and materializes to them. Branding is the art of deliberate control over the whole process.First pillar: Publicly knownA brand always defines a smaller or bigger group of people who are somehow aware of the product or the service in question. This is the prerequisite or trivial condition of all brands: if you are the only one who knows a specific service or uses a specific product and no information is publicized, the service or product is unable to evolve into a brand. This is the primary task of all marketing efforts, making our specific product or service (along with its whole branding costume) widely known on the addressed market: the majority of the marketing budget is used for this purpose. At this point we normally pay attention to the details of the publicity of all brands: target segment(s), its content, geographic, demography, media, communication methods, timing etc.Task 1: design and make your publicityHowever, the fame of a product or service is not exclusively based on the publicity gained (mostly depending on the money available for promoting the brand) via frontal, push-type of promotion. Money spent on communications is a very important factor to reach the second stage of publicity: the people involved in the communications flow will probably share the information with each other and start a – sometimes very simple and few words – discussion about the product or service heard. The act of sharing the information with each other happens or has happened with all known brands. Suggestions, opinions made in public are very important in articulating brand and thus creating or strengthening/weakening brands. This is why the importance of Facebook in contemporary marketing cannot be overestimated enough, or, with similar effect, the customer service/problem handling has always been focal point of customer satisfaction and branding, too.The publicity of branding therefore incorporates all means of sharing the information related to a specific brand or service. There are two basic type of publicities: there is of course the strictly controlled information sharing method (typically: marketing communications) and we also have to face a second publicity, the huge uncontrolled means of communication. When we are thinking on designing a new brand or just examining an existing one, we have to enlist all the ways how the specific brand gains publicity and sort them by relevance with regards to the public coverage and effect, making special attention to the uncontrolled ways of publicity.The success of controlling publicity is a key to profit from branding, however, public control will never mean information monopoly over the media and over the outcome: even situations when a company has theoretically 100% control over the situation (e.g. customer care desk at the office or shop), it is always a challenge to control what is exactly happening there, what is going to be told or heard. Thus, from micro to macro level the publicity always carries a huge uncertainty factor with regards to reach, direct effect and future implications.Second pillar: Associative and narrative – stories aroundThe discussions initiated and information shared publicly about a brand (or a branded product or service) would show up the next major characteristic of brands, that is, the power of the coupling or association related to the branded products or services. In other words, branding means that we create stories around a brand. Brand identity or personality, brand vision, brand promise are the official stories reflecting the narrative of a generic brand on different levels. Marketing creative planning is exactly doing the same around a specific product of a brand (e.g. ‘The environment friendly Toyota Prius’ as a story), while general brand stories (I mean the Toyota brand in the example) or associations are on higher level only. We therefore have to consider several layers of brand stories or narratives when examining them. It is very useful when these stories are consistent and formed professionally and are not contradicting to each other.

Brands are incorporating many stories and ideas not just from individual products and services determined by the company but stories and ideas also coming from the public. Unfortunately – as we mentioned above – we cannot control the majority of the perceptions of our brand. Individual opinions, perceived qualities, good or bad experiences are building the narrative universe, or more simply, the stories of a brand.Task 2: define and drive brand storiesNotwithstanding the above, we can drive these brand stories and narrow them to the desired ones on at least two-three different areas. The mission statement of a company/organization is the very source of official brand stories and determines the branding direction via its written values and operational reasons. Secondly, the slogan or the tagline of a brand (like LG’s Life’s Good) is meant to embody the driving narrative story and works like a magnet: collects all the associations around a brand. The third layer of story comes along with specific products or services: repeating the slogans, taglines while inserting the logo of the brand on individual products/services makes the specific product or service painted with the general brand’s associations and qualities. The individual story of a product or service is like a topping on the branding cake. Pure brand campaigns on the other hand are always aiming outlining and fixing the desired main stories and narratives of qualities in the customers.Controlling publicity cannot be done without controlling the stories attached to a specific brand and seems the major task of all branding and communications managers. Here, we have to highlight a related issue which behaves like the blind spot of the branding: rebranding. Rebranding campaigns are to change the very basic story of a brand. This is the reason why these campaigns fail many times and real rebranding is a very seldom event.Third pillar: Concrete and multiplicative formIn real life we always give tangible forms to brands because we want to make profit from our money spent. Brand without concrete product/service to buy (or without a related person when we talk about personal brands) is useless or just a promise (like the newly planned Jolla mobile OS with only a demo video). The embodiment of a Brand is an essential part of its very nature.Normally we use the power of a general Brand Name for many individual products. An already existing brand hands over its potentials (its stories of qualities, usage, value etc.) to specific, individual products and even when we see a new product of an already known brand we are already having a presupposition or sense of certain expectations towards the brand new product. A VW car is perceived for many as a reliable one; however, it may happen that a much lower quality is introduced in a new model than what the brand had fulfilled at its predecessors.Task 3: make several appearances to utilize brand powerMost times we may say that a brand is transferred into several products and therefore it is multiplicative. It is very seldom that an earned reputation of a brand represented in only one product or service. For example the perfume 4711 seems to be transferred only into one product for a long time, but the brand’s product portfolio today consists of more than one item: after shave or even shower gel is also produced. Start-ups typically own only one product and normally the first product is the one that determines and forms the brand later on. Initially, the brand is typically built upon on only one product or service and this is why it is very sensitive when entering a market with a new company and a new product: it also determines the future brand and products the company assessed with.Personal brands, seen superficially, are not multiplicative: a person who has double face (see politicians) and therefore not able to form a consistent and concrete personal brand, are subject to lose their reputation and their face rapidly. This is because brands can have only one concrete (credible) story, without major contradictions. The multiplicative nature of personal brands should be investigated from another perspective. In case we regard a person’s appearances in public as concretizations and multiplications of his/her brand, we are closer to the truth and we understand better why celebrities and politicians are so keen on public appearances.Fourth pillar: Unique propositionThe history of branding is stemming from the wish of making a producer’s goods identifiable. This is not just to ensure the identity of goods but also to prevent from copying and forgery. The brands around us are still carrying these old attributes: the logo of the company/brand is expressing the uniqueness of a brand (supported by law as trade marks) and helps us to identify a specific brand in the universe of brands and signs.Sometimes it is very hard to make distinction based on the products/services alone: Pepsi and its rivals put in a neutral glass next to each other are unidentifiable, so the use of branding techniques is crucial for gaining profit for both companies. Just like in the cola case, the technological industry also heavily relies on the branding when selling its products or services: PCs, laptops, smart phones or internet accesses are very similar to each other. Or, a tax advisory service consultant firm is facing real challenges to provide specific brand vision.Task 4: find and use the means of brand differentiationsThe unique proposition of the brands has to be built up and shown for the public: the individual logos of brands on devices for example help the company to make distinction from their competitors and help the customers to identify different market players in order to make a personal choice of preference. Most times companies heavily rely on the unique brand distinguishers, like stories about their unique market segment, tailor-made products, additional services they provide etc. Sometimes, when stories among a group of competitors are very similar or compatible (like the Big Four Auditors) and even their service is similar, a common story may evolve around them focusing on more the similarity and indirectly expressing the exclusivity of the group members.Fifth pillar: ValueWhen we identify a brand on its telltale signs (e.g. design) or logo we do not think on what we see first (the product itself) but rather we focus on the brand value represented by the specific product or service. We may say (even without seeing the product) that if you are having Martin Logan stereo speakers that is very cool, but if you are having Philips that is not so awesome. Different brands represent different values: there are low-end and high-end brands with many in between. Start-up companies have to position their brand value on the axis predetermined by the existing market players. Making decision on positioning the companies’ services or products on the lower or higher end of this axis has nothing to do with ethical values: a low-end, cheap car helps many disabled or poor people without doubt. Rather, making the choice of brand values determine the market we are about to target. And this target market decision affects our business outlooks directly. When Toyota launched it Lexus series and decided to focus on the higher end cars they probably considered the higher profit option.The value of a brand is also expressed in a more measurable way. In general ledgers brands are valued as a part of the company’s goodwill and are very sensitive for new product introductions and for amortization, too. From financial point of view brands regarded as assets that have been created due to investment and are also subject to lose or increase their values.Task 5: define and carry brand valuesThe value of a brand emanates into individual products of a company and the value of the sold products affects the value of the brands. More surprisingly, the value of a brand may transfer over the buyer persona influencing the perceived value of a person in a certain group of people (see Apple fan-effect) while the network-effect of the public also modifies the brand value (exclusivity, limited models are also able to increase brand value).The relative price of a product or the whole branded portfolio both has very special connection with the brand value: the higher the price positioned the harder to imagine low brand value. This is because the narrative of the price (see Second pillar) influences the brand value. Other narratives of a brand (how durable it is, for instance, or which celebrities are using this brand) heavily effect the brand value, too. Similarly, the extent of public spread (see First pillar – how much the brand is known, how much spent on advertising) also effects the brand value.Brand value is determined by several other factors even not listed here. It is partly the result of deliberate actions of the company (market positioning of the brand and its products) but also exposed to external factors (like time) and public opinion.( LG’s rebranding from the low-end Goldstar brand to the higher positioned LG showed that value propositions of a brand require efforts in both areas. Grundig made the opposite U-turn when sold to Chinese company.)

Sixth pillar: personal relationAll the pillars encountered previously are summoning on personal level because the nature and the definition of branding 100% relates to human feelings and perceptions. Most cases we can translate this personal effect and feelings to perceived brand values and the position of a brand in the customers’ head. People know or do not know, like or dislike brands, become haters or fans of brands, recommend or just accept certain brands.Task 6: turn personal relation to actionAs a result, this personal disposition of a brand clearly ends up in the relation to the act of buying. We, marketing professionals should not deny the aboriginal intention of our branding efforts to influence buying decisions on personal level. We are not just simply influencing people in business for the sake of general human aims: we do not want world peace; we do want to have our specific products and services sold. We want to convince John or Clair Smith as individual customers to select our service or product. This is the action we – or more generally: the investors – expect from any investments (including brand campaigns) made.Fortunately we not all live in the business sector, not all follow business aims (i.e. sales) in our lives. Surprisingly, non-profit organizations are not so much different from business ventures from this point of view. Non-profits also want to have a specific action to be reached: an action that is maybe appearing directly (like giving donation for starving people) but can be mental action or change to be targeted (for instance diversity campaigns).The personal relation to a branded entity can be outlined in a matrix where on the first axis we can define the readiness or probability of buying action (or in a non-profit: readiness for action) and on the second axis we may highlight the level of brand’s emotional acceptance.The personal relation to a specific brand with regards to the ultimate sales reason can be mapped as shown, but we should not forget that personal emotions and relations to brands are much wider than presented above: some people feel that their beloved brand is expressing also their way of life, involving several other actions well beyond a simple shopping; or just feeling neutral about a brand while the person is not going to be represented in any commercial situation (like myself with any hunting brands, although I know some of them).We should therefore identify very precisely the personal relations to our brand of our existing and potential customers and we should make focused actions to harvest the branding efforts we have previously made.Seventh pillar: Exposure to timeWe have already mentioned before the amortization as an important factor in brand values. The simple reason of amortization is that the brands (via materialized products/services) and the customers live in time.The general life exposure to time factor represented in concrete shapes with regards to brand itself and to its specific products/services. (Amortization is only the result of that process.) Brand perception very much effected by the products/services in timeline (e.g. how much up-to-date the product is reflects the brand’s state-of-the-art nature) and on the other hand the brand itself (without looking at individual products) also has an individual character which has its own life-cycle (how old a brand is, what type of products they represent).Task 7: Consider time: plan and replan over timeBrands do not last for ever and are changing over time, even without deliberate actions. Amortization expresses the time-factor in economic terms but all the pillars mentioned before has a time layer. The repeated actions of marketing campaigns, the product developments or changes in market environments change the face of the brand even if it is not perceived by the company. The sad story of Nokia is a perfect example of how this specific brand was effected by the time factor in all possible way, from the publicity of its phones (a complete new generation has skipped Nokia phones), through the changes in the narratives attached to the brand, with the refreshed need to be unique again to the sharp decline of the brand value.

Employment Working From Home – The Good News and the Bad News

May 8, 2017

Employment working from home can cost you a fortune and incur massive risk, traditional business models have the person working from home become effectively employed by their own business and trading their hours for dollars. Risks include, large start up costs that may never be recouped, huge quantities of certain stock that may never be sold, debt (if you manage to obtain it) keeping your stress and risk levels high.Knowing this I spent a lot of my time reading books and searching for a way to achieve employment working from home. This is when I stumbled upon Rich Dad Poor Dad by Robert Kiyosaki. He explains a very important concept called the cash flow quadrant. It basically categorises people into 4 types: E – for employed, trading hours for dollars and having their big boss earn the real money, S – for self employed, a restaurant owner or even someone achieving employment working from home without a system that detaches themselves from the concept of hours worked equals dollars made, I – the investor who has large amounts of money which in turn makes them more money and finally B – for business, that is people who have a business system that works for them and has them earning residual income – that is income that continues to flow to us after we have stopped working.

So how do we achieve this business system without having any huge risk, cash outlay or even initially having to quit our jobs? It is called network marketing. It allows you to achieve employment working from home with little cost and little time commitment. Let’s take an example. I go to the movies to see Inception or Avatar and I love the film. I then tell 5 of my friends how much I loved the film and they all go and see the film. Am I going to get paid for recommending the film to them? No. Network marketing however cuts out the middle men and allows you to recommend products and services to your friends and family and people you meet every day and get paid for it. Employment working from home can definitely be achieved here.

Network marketing has really come of age and is recommended by Robert Kiyosaki, a world renowned financial expert, as the business of the 21st century. But even still, how do we know which company is the best? How do we know that our products will be loved and that we will be paid well for our efforts? Research! Renowned magazine Network Marketing Today every year gives out awards for the top network marketing companies helping people achieve employment working from home.

India Debt Collection Business

May 7, 2017

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

Help For the Partners of Sex Addicts

April 27, 2017

Frequently Asked Questions (FAQ’s)· What is sex addiction?Sex addiction is an obsessive relationship to sexual thoughts, fantasies or activities that an individual continues to engage in despite adverse consequences. These thoughts, fantasies or activities occupy a disproportionate amount of “psychic space”, resulting in an imbalance in the person’s overall functioning in important areas of life, such as work and marriage. Distress, shame and guilt about the behaviors erode the addict’s already weak self-esteem.Sexual addiction can be conceptualized as an intimacy disorder manifested as a compulsive cycle of preoccupation, ritualization, sexual behavior, and despair. Central to the disorder is the inability of the individual to adequately bond and attach in intimate relationships. The syndrome is rooted in early attachment failure with primary caregivers. It is a maladaptive a way to compensate for this early attachment failure. Addiction is a symbolic enactment of deeply entrenched unconscious dysfunctional relationships with self and others.While the definition of sex addiction is the same as that of other addictions, sexual compulsion is set apart from other addictions in that sex involves our innermost unconscious wishes, needs, fantasies, fears and conflicts.Like other addictions, it is relapse prone.· How do I know if my partner is a sex addict?Sometimes, it’s difficult to know whether someone close to you has an addiction. The addict might hide the addictive behavior or you might not know the warning signs or symptoms.Here are some of the signs and symptoms:* Staying up late to watch television or surf the Web.* Looking at pornographic material such as magazines, books, videos and clothing catalogs.* Frequently isolating themselves from spouses or partners, and doesn’t inform them of their whereabouts.* Are controlling during sexual activity or have frequent mood swings before or after sex.* Are demanding about sex, especially regarding time and place.* Gets angry if someone shows concern about a problem with pornography* Offers no appropriate communication during sex* Lacks intimacy before, during and after sex, and offers little or no genuine intimacy in the relationship* Does not want to socialize with others, especially peers who might intimidate them* Fails to account for increasing number of toll – 800 or 900 – calls* Frequently rents pornographic videotapes* Seems to be preoccupied in public with everything around them* Has tried to switch to other forms of pornography to show a lack of dependency on one kind; concoct rules to cut down but doesn’t adhere to them* Feels depressed* Is increasingly dishonest* Hides pornography at work or home* Lacks close friends of the same sex* Frequently uses sexual humor* Always has a good reason for looking at pornography (Psych Central.com).· Why can’t he/she control his/her sexual behavior?It’s important for you to know that your partner is not volitionally involved in these behaviors so you can begin to understand and, perhaps, forgive. Most addicts would stop if they could.It’s been said that of all the addictions, sex is the most difficult to manage. This syndrome is a complex mixture of biological, psychological, cultural, and family-of-origin issues, the combination of which creates impulses and urges that are virtually impossible to resist. Despite the fact that acting them out produces considerable long-term negative consequences, the addict simply cannot resist his/her impulses. Individuals who are highly disciplined, accomplished and able to direct the force of their will in other areas of life fall prey to sexual compulsion. More importantly, people who love and cherish their partners can still be enslaved by these irresistible urges.Research has also shown that the inability to control sexual impulses is associated with neurochemical imbalances in the norepinephrine, serotonin and dopamine systems. The use of certain anti-depressants (SSRI’s) has thus shown to be very effective in treating the impulse control problems of many sexual compulsives.Biological predisposition contributes and combines with psychological factors. One of the reasons the “erotic haze” is so compulsory is that it is an unconscious but maladaptive way to repair earlier disturbed, anxiety-laden relationships. It shores up an inadequate sense of self which results from these early-life interpersonal abandonments, intrusions and misattunements.This combination of biological and psychological factors results in an “affective disorder” in the sex addict. Feeling of depression, anxiety, boredom and emptiness are quickly alleviated by immersing oneself in an imaginary world that provides novelty, excitement, mystery and intense pleasure. Sex addiction is better than Prosac. It heals, it soothes, it contains, it provides a “safe place” free from the demands of actual performance, and it gives an illusory sense of belonging. The sense of empowerment in the illicit sex act rectifies “holes in the soul” and lifts the addict from feelings of inadequacy, insufficiency, depression and emptiness into a state of instant euphoria.Relinquishing this very special (but delusional) mental and physical state can result in a sense of withdrawal which may include mood swings, inability to concentrate and irritability. These symptoms usually disappear in therapy as the sense of self is solidified and he finds more creative ways to deal with uncomfortable feelings.· What are the effects of cybersex addiction on the relationship?Effects of sex addiction on the sex addict’s partner can be numerous, encompassing a wide range of emotions and reactive behaviors. The sexual codependent’s experience is similar to, but not thoroughly identical to, a codependent person in a relationship with a substance abuser. A codependent partner of a drug addict or alcohol, for example, may manage to understand and even sympathize with her partner’s alcohol problem due to the lesser social condemnation.But a compulsive addiction that involves engaging in sexual activities on the computer or outside of the home inflicts a psychic injury of ultimate betrayal. Sexuality goes to the heart of who we are.Arguable, one purpose and outcome of cybersex is to detach and disconnect sexual experience from real relationships in life. Cybersex’s primary stimulus to autoerotic behavior produces profound disconnection of the sexual experience from relationship context and meaning. Compulsive viewing of pornography, for instance, in no way supports or fosters intimate, attachment-linked sexual gratification, anchored in emotional connection, intimate responsiveness and relationship fidelity.Cybersex addiction reinforces a non-intimate, non-relational, and non-demanding sexual experience — a detached, disconnected physical arousal geared to the self-engrossed preoccupation typical of addictive sexual behavior. Cybersex entrenches emotional, psychological and spiritual/existential disconnection of sexuality from relationship context. Entrance into the “erotic haze” that encompasses the sex addict induces sexual arousal, climax and resolution without real relationship attentiveness, responsiveness, or commitment – the key dimensions of a loving attachment.The behavior directly undermines trust in the couple’s relationship. Thus, the sexual dynamics depicted in cybersex are inherently detrimental and destructive to secure attachment that is essential to a sense of trust in the relationship.It is also reasonably anticipated that a husband’s deception and lying – the existence of a “secret world” apart from the primary relationship is an overlapping, yet also separate detrimental influence upon relationship trust.For some women, this lack of trust in their husband’s word – leads to uncertainty about the “substance” of the man they married, uncertainty about his true identity and a change in their perception of his identity – that of seeing him as fundamentally untrustworthy and of disreputable character. Thus, their internal model of their husband changes.Others may feel that the husband is unable to fulfill marital expectations of emotional intimacy and companionship. They talk about not trusting that their husband would fulfill the role of being someone who could provide emotional support. They feel unable to turn to their husbands for this emotional support for different reasons: fearing she would trigger a relapse; feeling rejected because of his involvement in computer sex; sensing her husband’s inability to provide emotional support; being shamed by a husband’s angry or dismissive response from her attempts to reach out for support and companionship; or resolving that her husband was emotionally preoccupied with his own struggle with addiction.The addict’s use of cybersex causes self doubt and lowered self esteem in the spouse. These women feel they aren’t pretty enough or skinny enough, or whatever. In any event, the feel that they are not what their husbands want. Some feel that if they were more sexually desirable, he wouldn’t have this problem. Sometimes, in a frantic effort to compete with unreal women on the internet or with prostitutes, they go to extremes with cosmetic surgery, breast implantation, excessive exercise – in the mistaken belief that if she can lure him back sexually and her husband would stop being interested in pornography and the marriage could be redeemed.Some spouses feel that her husband’s use of internet pornography is a direct attack on her self-worth. They start doubting themselves. They doubt their self-worth. They start doubting the things that used to make them feel special and meaningful. Because if she had any meaning, why was he doing what he’s doing?The wife is often stunned, confused, and in extreme pain upon discovery of the sexual/cybersex addiction. Anger and resentment can be overwhelming. For many partners, the addict’s betrayal can precipitate trauma that resembles post-traumatic stress disorder.A wife can believe that sex is the most important way to express love, so her partner’s sexual acting out can leave her feeling deeply inadequate and unlovable.Within the union, the partner’s low self-esteem can contribute to anxiety and fear of being abandoned. Often she will set aside her moral values and tolerates participating in sexual behaviors with her partner which are unacceptable or even repugnant to her. She feels too unworthy to have solid sexual boundaries. She mistakenly believes that she can stop his acting out if she satisfies his (insatiable and unrealistic) sexual needs.A surprisingly common effect reported by many partners – after the shock of discovery -is the feeling of losing one’s mind. Obsessing about the details of the sex addict’s betrayal, repeatedly confronting her partner with “evidence” of infidelity and being told she’s “crazy” or “just jealous” results in a loss of focus and an inability to concentrate. Fear and anger aggravate the condition. Furthermore, there is an element of intense shame for both addict and sexual codependent attached to sexual addiction, especially if his interests involve an object, cross-dressing, dominance and submission or children. She isolates herself from friends, family and community due to her shame, which provides fertile ground for depression. In some situations, the partner is brought to a point of absolute despair.Some maladaptive strategic responses the sexual codependent may engage in as a means of coping include excessive alcohol consumption, food binges, excessive house cleaning, and overtime career activity; acts that can serve as distractions from her distrust, pain and hostility. Distractions, of course, provide only a temporary and false “relief” and often create more problems than they solve.When the partner’s anger and resentment are suppressed over a period of time, they eventually explode in a volcano of rage, blame, and furious criticism of the sex addict.The explosion of frustrated emotions can open a door to enormous guilt and remorse, so the partner may forgive the addict’s offenses and not stand clear in setting boundaries for herself. The result is an unfortunate snare for the couple, in which the partner unwittingly enables the sex addict to carry on with his unacceptable pattern of sexual acting out.The converse is true regarding the emotional influences on the wife. She may turn inward, withdraw, stay silent and distant. This can include withdrawing from any sexual activity with the addict. These stonewalling behaviors can ignite strong feelings of shame and rejection in the sex addict. In a way, the partner succeeds in punishing the sex addict through these behaviors. But the price of this punishment may be a return to his active addiction as a way to deal with conflict at home.A tremendously debilitating effect on the partner is to assume all responsibility for the addict’s sexual acting out, and even for all of the problems in the relationship. The sex addict may exploit this to his advantage, perpetuating self-doubt within the partner.For example, the partner may confront her spouse with evidence of a transgression, like a credit card charge to a hotel, but the sex addict is skillful and experienced in deception. He will boldly challenge the partner’s credibility, suggesting she see a “shrink” for being so paranoid and suspicious of him. He can persuasively feign righteous indignation, causing his partner to distrust her own instincts and perceptions, even in the face of tangible evidence.The self doubt can plague the partner, aggravating her confusion and contributing to the feeling of “losing my mind”. Not wanting to continue to feel “crazy”, she may retreat into denial, the basic and most fundamental defense mechanism for both partner and addict. When in denial, she will believe the addict’s lies, however far-fetched they may be. She will accept the unacceptable. Whichever lies the sex addict offers to cover up his addiction, she is compelled to “not rock the boat” in order to assuage her abandonment fears.· What are the characteristics of a sexual codependent?Firstly, let’s consider what codependency is. Codependency is an overworked and overused word and definitions can be confusing. At core, it revolves around a deep fear of losing the approval and presence of the “other”. This underlying fear can result in manipulative behaviors that overfocus on maintaining another person’s presence and approval. Control, obsequiousness, anger, caretaking, and being over-responsible are among the behaviors that can be the manifestations of codependent behavior. Because of dysfunctional family-of-origin issues, codependents learn to react rather than respond to others, take responsibility for others, worry about others, and depend on others to make them feel useful or alive.Codependence also refers to the way events from childhood unconsciously produces attitudes and behaviors that propel people into destructive relationships in the present. The self worth of the codependent comes from external sources. They need other people to give them feelings of self-worth. Codependence is a particular relationship with one’s self in which the person doesn’t trust his or her own experiences. Lacking the inner boundaries necessary to be aware of and express their true wants, feelings, goals and opinions, they are “other-validating”. Having only a reflected sense of self, they constantly seek affirmation and validation from other people because they are unable to endorse and validate from within. “Self-validating” people are able to do this. Co-dependents often focus on an addict’s sobriety as a way to achieve a precarious sense of self- consolidation. Sadly, their behavior often perpetuates the loved one’s addiction.Codependent people believe they can’t survive without their partners and will do anything they can do to stay in the relationship, however painful. The fear of losing their partners and being abandoned (once again) overpowers her ability to make decisions in her own best interests. The thought of addressing the partner’s addiction can be terrifying: they may be frightened of igniting the partner’s anger which can result in feeling emotionally flooded by (childhood) fears of loss.The sexual co-dependent suffers from additional symptoms: driven by the potential loss of the relationship, which she sees as identical with her very identity, some women engage in sexual activities with their partners that they find distasteful or even morally repugnant – all in an effort to keep him home and happy. However, this type of fantasy-based acting out may not be based on her real sexual needs and desires and opens the way to turning his partner into yet another object. Certain kinds of sexual acting out can turn sex into another fix for him. The partner senses this, making her sense of sexual betrayal even more poignant.In couples where one partner is ciphering off his erotic energies from the primary relationship, there are invariably problems with the couple’s own sexual expressiveness. He becomes sexually demanding. She expresses her resentment about this by not being sexually responsive. He may lose erotic interest in her, as she never lives up to the thrill of fantasy-based sexual enactments. The sense of having a person-related, intimate sexual encounter may diminish. Erotic expression between the couple can easily dry up, leaving the sexual co-addict feeling even more diminished as a woman and as a person.Sexual co-dependents have an inordinate need to get the information straight. “Detectiving” is a common activity: checking his computer, looking up names and numbers, or desperately looking for scraps of paper with numbers written on them. One client even invited a prostitute her spouse had frequented into her home because she wanted to know the details. The need-to-know provides the partner with a way to check up on her own reality (“Am I crazy or is this really happening?”) and provides her with a sense of much-needed (although illusory) sense of mastery over an out-of-control situation. Especially in light of the addict’s continual denial, the co-addict has a need to provide “evidence” to ensure her soundness of mind — a ploy that rarely works and is exceedingly exhausting.The final distinction between sexual co-addicts and other co-dependents is the shame associated with this “secret”. Sex as an addiction is rarely discussed in “polite society” and there is a huge social stamina associated with it. Sexually addicted clients often tell me that they’d rather be alcoholics or drug addicts. The stigmatization of this compulsion almost ensures that the sexual co-dependent will want to hide or to provide a good “front” to deal with feelings of shame and despair. She may become socially isolated because she can’t discuss the situation with friends. Depression easily enters into an emotional environment of isolation and shame. Keeping secrets about important dimensions of life ensure that the issues underlying them will not be healed.· What’s involved in therapy for someone who is the partner of a sex addict?There is hope. The pain the sexual co-dependent experiences is normal. Learning a partner is sexually addicted can be devastating and debilitating. The betrayal triggers a myriad of strong emotions. Feelings of anguish, despair, rage, hopelessness and shame may overtake her. She may feel alone in unchartered territory, wondering “Where do I go from here?”Psychotherapy is extremely important. Be sure to find a therapist conversant with these issues. What should happen in your therapy?Treatment for sexual codependence can become a process of continued growth, self-realization and self-transformation. Working through feelings of victimization can lead to a new sense of resiliency. Going through this process can be an avenue to discovering meaning and to building stronger self-esteem. Challenges faced can elevate one to a higher level of well-being. A sense of serenity and peace from the appreciation of having worked through this process may occur.Lessons not learned in the family-of-origin can be now be learned and worked through: appropriate self-esteem, setting functional boundaries, awareness of, acknowledgment of and expression of one’s personal reality without undo fear of retaliation, and taking better care of one’s adult needs and wants while allowing other adults to take care of theirs are all potential gains to be made in therapy and recovery.Internal and external boundaries will be strengthened. Strong external boundaries will ensure that you will not again put yourself into a victim role. A sense of having internal boundaries will open up new avenues of healthy intimacy as you will know who you are and be able to hear who another is. At the heart of healthy intimacy is the ability to share your real self with another and be available when someone else shares his real self with you.The sexual co-depenent may find she no longer needs to bend herself into a pretzel to accommodate others. Rejection or disapproval may be unpleasant, but not devastating. Compromising personal integrity in order to get external approval and validation will cease. With increased self-knowledge comes the ability to Self-validate while still being in a relationship. Self esteem will be generated by her behaviors rather than the approval or validation from others.Finally, time and energy spent on preoccupation and control of the addict can be used to attend to emotional support for the children, to recommit to and obtain increased satisfaction from work, to meet new people, and to develop new recreational activities.· How can I possibly forgive him?Despite the fact that it may seem impossible, forgiveness is a critical part of recovery for the partner of a sex addict. To forgive is not to forget. Forgiving means being able to remember the past without experiencing the pain all over again. It is remembering — but attaching different feelings about the events, and it is a willingness to allow the pain to have decreased relevance over time. Understanding the pain, compulsion and despair that the sex addict has undergone from sexual compulsion can open avenues to compassion.To forgive is important primarily for oneself, not for the person one forgives. The opposite of forgiveness is resentment. When we resent, we experience the pain and anger all over again. Serenity and resentment cannot coexist.The process of forgiveness begins with acknowledging that a wrong has been done to you. You have to recognize that you have strong feelings about what happened and you need to feel and process those feelings. You are entitled to be angry or hurt. Ideally, you can share those feelings with the person who has hurt you in couples counseling. If that is not possible, then you can share the feelings with your therapist or support group. After that, you can choose whether to stay in a relationship with that person. In either case, forgiveness does not imply permission to continue hurtful behaviors. As part of your own treatment, you need to decide which behaviors you can accept in your relationships and which you cannot.The primary goal of forgiveness is to heal yourself. In a partnership affected by sexual addiction, forgiveness is aided by evidence of the partner’s changed behavior and commitment to treatment. These are also elements in rebuilding trust. For many couples, forgiving and learning to trust again go hand in hand. Both take time, making amends, continued treatment and steady, continual, trustworthy behavior on the part of the addict.After the acting out has stopped, it’s critical to not use his past behavior as a “hook” to punish or manipulate him. When a desire for revenge exists, you have not forgiven, and you see him in one dimension (“Bastard”). The capacity to see him as a whole person (he’s not just a sex addict, he’s many things) will help you move forward. Couples therapy will help you move toward a sense of him as a multidimensional person with on-going issues.· I’m incredibly frustrated that he/she won’t tell the truth. Even when I present “evidence”, he denies his sexual acting out. How can I ever trust a man who so blatantly lies to me?Sex addiction thrives in secrecy. Addicts will go to any length to protect their double life. Denial, (“Don’t Even Know I’m Lying”) plays a huge part in any addiction process. The reality of the acting out is protected from the conscious mind. If the addict is unaware of the truth, how can he tell you?The very thinking process of the addict becomes impaired as he becomes immersed in the denial process, giving way to the minimization of the extent of his behavior. This connects with “rationalization”: i.e. “I’m not really cheating” – “All guys do this” – “I’m not hurting anyone” – “I work hard so I deserve some pleasure.” This combination of denial, minimization and rationalization makes it extremely difficult for him to know the truth.More complexing is the phenomenon of “dissociation”, or “The Dr. Jekyll and Mr. Hyde” syndrome. Dissociation is a clinical process that characterizes multiple personality disorder. While I’m not saying the sex addicts have MPD, I am suggesting that some of the same characteristics of that disorder are shared. One side of the personality protects the other side from the truth. Some level of dissociation is in every man who has a “double life”. Each side of the personality has different values, goals, beliefs and needs that conflict with the other side.This is why, when the sexual acting out is finished, the addict feels so distressed and shameful. Mr. Hyde does the acting out and Dr. Jekyll experiences the remorse.When the addict is acting out, he has feelings of being disconnected from himself and his environment. Clients speak of “the bubble”, the “erotic haze”, “zoning out”, and “feeling apart from myself and watching myself from afar “, of feeling “foggy” or “not feeling like a real person” Losing track of time is common as is feeling outside oneself as both an observer and a participant. Emotions are numbed; the fantasy creates an alternate reality which obscures the truth of “what is”.Once in therapy, a primary issue that arises is a feeling of a fragmented sense of self or being unsure of his identity. Therapy will help him get to the bottom of hidden parts of himself that he may not have fully understood or been able to control until treatment starts to work. Only by getting in touch with hidden parts of himself will the full realization of his talents and strengths be realized and fulfillment in his personal relationships can begin to unfold.· I don’t see how our relationship can survive the emotional pain and chaos of his sexual addiction. Have other couples been able to work through these issues? How have they done it?When at least one member of a couple is sexually addicted, restoring trust and building intimacy can be very difficult. These couples must work as hard on their recovery together as a couple as they do on their individual recoveries.One of the great challenges to recovery from sexual compulsivity is restoring or building an intimate relationship with a committed partner. Many existing relationships are seriously impaired and often don’t survive because of sexual acting out. The partner of the sex addict’s ability to trust is obviously damaged. The psychodynamic and behavioral issues underlying sexual addiction contribute to obstacles to overcoming and building intimate and committed relationships.The good news is that we have seen from our experience that not only is it possible to repair, rebuild, or newly build a committed relationship, but the level of emotional and physical intimacy that comes from working on these issues together is sustaining, gratifying and growth-producing for each member of the couple.· How can couples counseling help us?Most couples who come for couples therapy after discovery are in a high state of reactivity, with communication being limited to blame/defense. There is a high degree of projection (seeing the things you like least about yourself in your partner) and a small degree of self-focus. The tendency is to react immediately and emotionally, with no time given for reflective thinking. One task of the therapist is to create a safe, non-volatile space by gradually guiding each person to commit to self-focus which reduces blame and defense.The therapist will do some psychoeducational pieces on sex addiction and co-addiction to normalize each person’s feelings and further reduce blame. Nothing can be done about the quality of the marriage unless each person commits to a personal program of recovery: an “S” meeting for the addict, and COSA or S-Anon for the co-addict. The couple can come out of the shadow of shame about living with sex addiction through identifying with others who have gone through similar experiences. Here, finally, they find people they can talk to about what they’ve been hiding from family and friends. Regular attendance at meetings gives structure and accountability to the life of the sex addict. A co-addict who works on the steps with a trusted sponsor is renewing her commitment to focus on herself and her own issues, renouncing her focus and pre-occupation with the addict.Sex addicts and sexual codependents usually have never experienced healthy bonding with and nurturing from their parents. This impairs their ability to have successful bonding and separation in subsequent relationships in adult life. The therapist might construct a “genogram” which is a graphic depiction of three generations of each person’s family. It shows psychiatric and physical problems throughout the generations such as alcoholism, divorce, hospitalizations,etc. The genogram also reveals the quality of family relationships, indicating where there was enmeshment and where there was distancing. With a clear understanding of family-of-origin issues, the couple can understand themselves and each other and develop awareness of what triggers are coming from the past.Couples counseling enables the couple to reach a point of mutual interdependence in which both partners have lives outside of the relationship, but also feel committed to it. The partners need each other, but are comfortable with independent lives of their own. Over time, each develops a new sense of “Self”-in relationship.Both members of the relationship are encouraged to accept mutual responsibility for the dysfunction in the relationship. As long as one partner is blaming the other for all of their couple problems, progress will be slow. Recounting the history of the relationship will be a part of this process. How have each other’s addictions and co-addictions affected the relationship? What consequences have been experienced? What strategies have the partners tried to heal themselves that haven’t worked? What are the repetitive arguments and fights? What is the nature of the collective shame in the relationship? How does each partner trigger the other’s issues?Each individual in the couple learns how to exchange instant gratification for the joy of ongoing intimacy. Sexual addict/codependents find that this intimacy and the trust, mutual understanding, and the emotional/spiritual/physical closeness it creates from having done the work can be qualities that few couples ever experience.

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