Ambient Advertising is about placing ads on unusual objects or in unusual places where you wouldn’t usually expect to have an advertisement. Description: Ambient advertising evolved as a concept because it has a lasting impact on the minds of consumers which makes it more effective. Ambient advertising is all about creativity, and how effectively the advertiser is able to communicate the message
When imparting your brand message, addressing your audience directly by using the second-person term “you” ensures a personal touch. By saying “You are more beautiful than you think,” Dove could connect to the audience and show that it cares for each of them. The impact of the campaign was that while buying Dove’s products, people thought they are supporting a social cause.
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What I’m doing: My realistic goal is to have a blended annual return of 2x the risk free rate. With a current 5% hurdle, I am not paying down mortgages that cost less than 4%. Debt at 5% is a wash. My realistic blue sky scenario is a 3-4X rate of return over the risk free rate which can be achieved with property, stocks so far for the past five years, and certain private equity investments. Where I am dragging is my blended average CD interest rate of roughly 3% from an old CD coming due. I’ve rolled some money into a 12-month CD with CIT Bank at 2.5%. It’s the best rate I can find. 
Another option: Consider starting your own real estate investment group. This is a great way to team together with other small investors, either via pooling your money together or simply by learning from eachother. According to Joseph Hogue, CFA from PeerFinance101.com, “The common bond in all real estate investing groups is that you help each other compete against the big money players to get the best returns.”

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To give you a preview of this post, what you will learn is that there are two key parameters that drive how viral growth happens, the Viral Coefficient, and the Viral Cycle Time. To fully illustrate the arguments, I have included two spreadsheet models (embedded) that you can play with interactively to see how viral growth works. There is a risk with this level of depth, that some readers will find this too technical, and if you find yourself reacting that way, may I recommend that you jump straight to the conclusion, which is under the heading Lessons Learned towards the bottom of the article.


Acorns: Acorns is a great way to start investing and building wealth. As it turns out, Acorns will pay you $5 to start investing with them for as little as $1. That’s a 500% return, plus it’s probably time you started investing for your future. They even have features like round-up and found money that allows you to get free money from places you already shop at.

Chris Hogan is a #1 national best-selling author, dynamic speaker and financial expert. For more than a decade, Hogan has served at Ramsey Solutions, spreading a message of hope to audiences across the country as a financial coach and Ramsey Personality. Hogan challenges and equips people to take control of their money and reach their financial goals, using The Chris Hogan Show, his national TV appearances, and live events across the nation. His second book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—And How You Can Too, is based on the largest study of millionaires ever conducted. You can follow Chris Hogan on Twitter and Instagram at @ChrisHogan360 and online at chrishogan360.com or facebook.com/chrishogan360.


In April 2013, Unilever, with its ad agency Ogilvy & Mather Brazil, came out with Dove Real Beauty Sketches campaign to empower women about how they look. The campaign was a short film featuring an FBI-trained sketch artist Gil Zamora. He was shown sketching two portraits of women based on the description given by them and on how they were perceived by strangers. Neither did the artist himself look at the appearance of the women, nor were the women aware of the social experiment.
Another good and probably the safest option is to invest into government securities. Government securities may offer low returns, but they are safe and can support your life style. Don’t go for stocks because investing in stocks requires a certain degree of investment acumen and financial expertise. Always play safe even if you have moderate level of understanding as to how the stock market works.
Instead of buying lots of individual bonds, you can buy a bond ETF to diversify among many bonds and leave the selection to the ETF managers. Bond ETFs come in many different varieties including government, corporate, short-term, long-term, junk, municipal, international and in variations and combinations of each type. Like most investments, higher yields mean higher risk. So choose your bond ETFs based on your risk tolerance, asset type, and liquidity.
Active income, on the other hand, involves earning money in exchange for a service. It could be a salary, an hourly wage, commissions, or tips. It’s essentially a trade of your time for a fixed dollar amount. Most people choose to live this way, and there’s nothing inherently wrong with that, as long as you understand that there will be a limit to how much money you can realistically earn.

Many marketers hope for a campaign to go viral — meaning it's recognized, widely-accepted, and influential. But there's no guaranteed formula. However, if you think about some of your favorite viral marketing campaigns, you'll notice some common features. Marketers wanting to reach a bigger audience should keep these attributes in mind when creating their next campaign:
Passive income is earnings derived from a rental property, limited partnership or other enterprise in which a person is not actively involved. As with active income, passive income is usually taxable. However, it is often treated differently by the Internal Revenue Service (IRS). Portfolio income is considered passive income by some analysts, so dividends and interest would therefore be considered passive.
I’ve built several businesses since 2008 using one or more of these models. I’ve been featured in magazines and articles across the globe, and since I started my journey I’ve generated over $5M in earnings from these businesses. All of my income and expenses for those businesses dating back to October 2008 have been tracked publicly on SPI.com. You can see 10 years of income reports here.
If you’ve ever thought to yourself, “I wish there was a product that did this,” then invent it! Create a product, medical or otherwise, and sell it as a company or get royalties for it. It’s not impossible to figure out, I have many friends who have taken a concept to market. Don’t overlook an invention as a fantastic means of attaining passive income.
Asia's richest man Mukesh Ambani faces data snag as he prepares for Amazon fightReserve right to respond to Pakistan's aggression: IndiaBoredom, 12-3 job at Amazon pushed Binny Bansal to start FlipkartHave a question on P2P? Ask our experts!#IAFStrike: Pakistan boycotts Indian movies, 'Made in India' adsA step-by-step guide to make your first P2P investment
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I've got a $185,000 CD generating 3% interest coming due. Although the return is low, it's guaranteed. The CD gave me the confidence to invest more aggressively in risk over the years. My online interest income has come down since I aggressively deployed some capital at the beginning of the year and again during the February market correction. You'll see these figures in my quarterly investment-income update.
What I’m doing: My realistic goal is to have a blended annual return of 2x the risk free rate. With a current 5% hurdle, I am not paying down mortgages that cost less than 4%. Debt at 5% is a wash. My realistic blue sky scenario is a 3-4X rate of return over the risk free rate which can be achieved with property, stocks so far for the past five years, and certain private equity investments. Where I am dragging is my blended average CD interest rate of roughly 3% from an old CD coming due. I’ve rolled some money into a 12-month CD with CIT Bank at 2.5%. It’s the best rate I can find. 

Roofstock – Investing in rental properties is one of those passive income ideas that can be extremely intimidating, especially when it comes to finding tenants. Roofstock lets you buy properties with as little as 20% down that already have tenants living in them. That means you start getting paid from the first day of your investment. You don’t even have to physically visit the properties!
While stocks are terrific income producers, they can be volatile. Every few years, the stock market tends to stagnate or drop for a while before recovering, and that can be problematic if you were counting on your stocks having a certain value at a certain time. One way to lock in an income stream is by buying a fixed annuity (as opposed to variable or indexed annuities, which can have steep fees and overly restrictive terms). Annuity contracts will be more generous when interest rates are higher, but here's how much income they might deliver at recent rates:
Thanks for the info…I kind of figured it is really not that expensive to live if you are not an extravagant person. I could definitely figure out how to funnel expenses through a part time business…I think I keep thinking along the lines that I’m going to be paying the same tax rate after retirement, but reality is you could get pretty lean and mean if one focused on it. On a scale of 1-10 with 10 being utter panic mode, how worried are you about your “pile” lasting through a 50 year retirement now that you are a couple years into it?

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Where blogging requires frequent, less-lengthy content, a book can be something you work on for months at a time and publish it for sale. And it can become more than just passive income. In fact, UK author Mark Dawson makes close to half a million dollars a year from self-publishing his books. On a smaller scale, Joseph Hogue makes about $2,000 per month writing and self-publishing financial books. If these guys can do it, anyone can.
The campaign became viral because it could connect to the audience emotionally. People could relate to the concept of the video. The idea was original, and the content was enticing without pushing the products. The ad encouraged social conversation and sensitivity around the beauty of a woman. It empowered women, evoking feelings of warmth, joy, and confidence. Empowerment is a powerful tool, which can enhance the brand image of your company. So build an uplifting relationship with your audience.
Roofstock – Investing in rental properties is one of those passive income ideas that can be extremely intimidating, especially when it comes to finding tenants. Roofstock lets you buy properties with as little as 20% down that already have tenants living in them. That means you start getting paid from the first day of your investment. You don’t even have to physically visit the properties!
You also get to see specific details about each loan, including what the borrower is using it for, the state they live in, how long the pay-off period is, what the monthly payments are, and what rate the borrower will pay. It helps you get a better picture of what type of risk you’re exposing yourself to, and you get to take more control over your investment.
Utilizes existing communication networks. Most people are social. Nerdy, basement-dwelling computer science graduate students are the exception. Social scientists tell us that each person has 8 to 12 people in her network of friends, family, and associates. A person’s broader network may consist of scores, hundreds, or thousands of people. A waitress, for example, may communicate regularly with hundreds of customers in a given week.
I wouldn't think of a high yield savings account as a source of passive income but your savings should be getting something (less like Seinfeld syndication residuals and more like a commercial jingle residuals!). It won't make you rich but it's nice if your baseline, risk-free rate of return on cash is 1% or more. The best high yield savings accounts (or money market accounts) offer higher interest rate and there is absolutely no risk. CIT Bank currently leads the pack with the highest interest rate.
Active income, on the other hand, involves earning money in exchange for a service. It could be a salary, an hourly wage, commissions, or tips. It’s essentially a trade of your time for a fixed dollar amount. Most people choose to live this way, and there’s nothing inherently wrong with that, as long as you understand that there will be a limit to how much money you can realistically earn.
Remember the HillTop ad that Coca-Cola did? If not, perhaps the lyrics will spark a memory - "I'd Like to Buy the World a Coke."  Is the song stuck in your head?  This jingle had the whole world singing, and if that weren't enough, it was recently revisited on the Mad Man series that had everyone humming it again.  The song spoke of unity and tolerance, and as consumers, we gravitated to it and shared it.
Nah you misunderstood me. I’m working 50 hours a week now to get residency and only taking a couple of classes. I’ll be working 10-20 hours a week when I go back to schoool full time a year from now. I tried working 35 hours and school full time but got burned out last year so no more of that. My grades are so-so. I got a 3.7gpa in all my GE’s and really on a conservative basis planning to remain around there which would mean 1 B for every 2 A’s. To get residency realistically I got to earn 300 dollars in taxable income a week for a year, and in the meantime am allowed to go to school part time given the fact that I can pay for school with the money I have earned within the period I began to establish residency, so no outside cash because my bank accounts will be audited at the end of the year.

For those who prefer a more do-it-yourself style but still want their investments to be managed automatically, a robo-advisor like Betterment may be better suited. After completing an initial questionnaire, this program will automatically invest your money based on things like your risk tolerance and time horizon. They’ll even rebalance your portfolio when necessary – all automatically, of course!

On March 6, 2012, Dollar Shave Club launched their online video campaign. In the first 48 hours of their video debuting on YouTube they had over 12,000 people signing up for the service. The video cost just $4500 to make and as of November 2015 has had more than 21 million views. The video was considered as one of the best viral marketing campaigns of 2012 and won "Best Out-of-Nowhere Video Campaign" at the 2012 AdAge Viral Video Awards.
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