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Email Marketing As A Pillar For Enterprise Sales

From the time that I wake up, to the time that I lay on my bed and close my eyes at night, I go through dozens of emails on my phone. In today’s day and age, emails can be considered a powerful way to connect with people. Think about it. Do you even know anyone who does not have an email address? You yourself probably go through endless numbers of emails popping up each week. Knowingly or unknowingly email has become a big part of our lives and that is why when it comes to marketing, email is the king.

Email marketing is all about informing, influencing, and gaining the loyalty of a contact base that’s interested in your product or services. However, contemporary email marketing is based on the principles of approval, segmentation, and personalisation. It is considered to be an extremely personal way of reaching target customers. But … Read the rest

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Brexit-focused Financial Services Bill gets first reading

The Financial Services Bill received its first reading in Parliament this week as the Government focuses on getting the financial services sector ready for Brexit.

The Financial Services Bill is designed to help ensure the UK maintains its “world-leading regulatory standards and remains open to international markets after the UK leaves the EU.”

It was announced in the Queen’s Speech in December 2019. 

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The Bill has been welcomed by the Financial Conduct Authority which said it will help to maintain high standards and provide greater clarity to firms. It particularly welcomed the Bill’s provisions to amend the Benchmarks Regulation, which is intended to help manage and direct an orderly wind-down of critical benchmarks such as LIBOR. The regulator said it will continue its work with the Treasury during the Bill’s passage through Parliament.

PIMFA, the trade association for the wealth management and financial advice industry, also welcomed the

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This startup wants to help you prepare for America’s next disaster

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There are few experiences more harrowing than an earthquake. Ask Dan Kessler. He obsesses about them.

Kessler is the chief executive of Harbor, a startup that aims to help Americans prepare—at least semi-calmly—for the next disaster, from how to pack a “go bag,” to how much water you should stockpile.

To be sure, there will be another disaster. That might not be good for your nerves, but makes for ideal timing for a disaster prep app. America is grappling with a pandemic, a financial crisis, a potentially contested presidential election, another historic hurricane season, and superpowered wildfires on the West Coast.

Harbor tackles two out of these—natural disasters and COVID-19—plus the usual ailments of modern life: car crashes and house fires. (Next on Kessler’s wish … Read the rest

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Big Oil Loses Refining Crutch With Margins Crushed Last Quarter

(Bloomberg) — Six months on from crude’s era-defining price crash and Big Oil is suffering from whiplash.Prices may have stabilized around $40 a barrel as OPEC+ curbed supply, but as the coronavirus surges through Europe once again, the twin safety nets for majors in previous downturns — refining and trading — have come under severe pressure as consumers stay home.“Refining margins are absolutely terrible,” Patrick Pouyanne, Total SE’s Chief Executive Officer, said earlier this month. The French major, along with a raft of other oil companies and refiners, have warned investors that slumping margins will be a drag on profits. For some like Exxon Mobil Corp., it might even push them into the red.The third quarter will provide little respite to the supermajors with three out of the five expected to post losses. Trading, which brought the European firms a torrent of cash last quarter, is unlikely to save the … Read the rest

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Taxes Are Good, Actually

by Eric Yaverbaum, CEO of Ericho Communications and author of “Leadership Secrets of the World’s Most Successful CEOS“.

Taxes aren’t fun to pay. There, I said it.

Tens of thousands of dollars of your hard-earned money, the end result of your work, your strife, your sleepless nights and stress headaches and endless meetings that take longer than they should, don’t make it to your pocket by a matter of law, a debt we owe before we earn a dime. Taxes suck, but they aren’t bad, any more than chemotherapy is bad because it sucks. They are how our community takes care of itself.

Taxes pay for road construction and repair, and by extension all interstate commerce. Taxes pay for firefighters. Taxes fund our public schools, which were once the envy of the world. Taxes pay health inspectors to make sure meat-packing plants and your local McDonald’s provide food … Read the rest

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Editor’s Column: Financial Planning’s golden opportunity

It’s hard to find a silver lining in current Covid cloud but one of them may be a boost to recruiting the next generation of Financial Planners.

One adviser network, Openwork, has even gone as far this week as urging people working in insurance and banking facing redundancy to retrain as advisers and planners, offering the chance to achieve Chartered Financial Planner status.

This makes a lot of sense. We’ve seen huge cutbacks in the banks’ branch networks in recent years with the inevitable loss of jobs. Some insurance companies

too are increasing automation and shedding staff.

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At the same time the Financial Planning sector has been bereft of recruits and the sector has struggled to grow as a results. A bad press in the past has

deterred bright graduates from considering Financial Planning.

That’s changing. Our Financial Planning Jobs service, for example, has seen a surge in

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How to hold the corporate world accountable

On Tuesday, the Justice Department and 11 U.S. states filed an antitrust lawsuit against Google, alleging, “For the sake of American consumers, advertisers, and all companies…the time has come to stop Google’s anticompetitive conduct and restore competition.” 

Yet, despite widespread, bipartisan censure, Google has been celebrated as a leader in “stakeholder capitalism”; its parent company, Alphabet, ranks fifth out of over 900 companies in JUST Capital’s recently released list of businesses that excel in addressing the needs of workers, consumers, communities, and the environment. Why the reputational disconnect?

The answer is the key challenge of the stakeholder capitalism movement: All too often, corporate goodness cannot be adequately measured and assessed. 

But fortunately, that is starting to change.

There is increasing recognition that we need to depart from the past 50 years of “shareholder capitalism,” but less consensus on what that actually means. Influential actors such as the … Read the rest

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Bitcoin Resurgence Leaves Institutional Acceptance Unanswered

(Bloomberg) — The Bitcoin hype machine is back in overdrive.The digital token spiked above $13,000 this week for the first time in over a year, touching off Twitter dance parties, new sky-high predictions and even some tattoo flashing. Back are proclamations that crypto is the currency of the future, that the dollar’s days are numbered and blockchain will reorder the financial universe.A mid-week announcement that PayPal Holdings Inc. will allow transactions in crypto set off the craze, adding about $19 billion to Bitcoin’s value over the following two days. It was the latest in a series of mainstream acknowledgments that digital tokens exist and clients want to trade in them. Wall Street stalwarts like Fidelity Investments have crypto investment products and two public companies — Square Inc. and MicroStrategy Inc. — recently said they bought Bitcoin.But for all the hype, there’s little evidence that Bitcoin and its digital brethren are … Read the rest

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What To Look For In A Good Password Manager

So, you’re looking for a new password manager for your business or personal use? You’re in luck—we know exactly what features a good password manager should have. You don’t want to settle for just any password manager, otherwise, you might as well just use the built-in manager in your browser (please don’t). Browser password managers are notoriously lacking in the security department, and you don’t want to leave your passwords to chance.

Today’s password management software is secure, easy to use, and flexible enough to work for both business and personal use. Let’s jump into some of the features you should be looking for in a password management service!

End-To-End Encryption.

First and foremost, your passwords need to be secure. Otherwise, what’s the point of using a password manager to begin with? End-to-end encryption is a standard feature with password apps like Keeper, but not every password manager … Read the rest

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Fidelity buys LGIM’s £5.8bn personal investing arm

Fidelity has acquired Legal & General Investment Management’s UK Personal Investing business which manages £5.8bn in assets for 300,000 clients.

The company says the deal, for an undisclosed sum, will double the number of D2C customers using Fidelity’s expanding Personal Investing business.

Fidelity Personal Investing currently has 280,000 customers with £20.3bn assets under management.

The transaction is set to be completed in the next 12 months and follows Fidelity’s recent acquisition of Cavendish Online.

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Fidelity says on transfer, customers will pay the “same or less” than they do with LGIM.

As Fidelity Personal Investing clients they will get access to an investment and pension platform which includes 3,000 funds, shares, investment trusts and exchange-traded funds which can be held in an ISA, SIPP or Investment Account.

The LGIM clients can also access Fidelity’s online guidance services, investment tools and other services.

Stuart Welch, global head of personal investing

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