Posted by bankier on December 20th, 2011
Obecnie nie na 40 lat, ale w najlepszym razie na 25 lat tylko si? uda zaci?gn?? kredyt mieszkaniowy.
Powoduje to, i? zdolno?? p?atnicza normalnej rodziny obni?y si? o 7 %.
Takie ci?cie urazi wielu zainteresowanych zobowi?zaniami hipotecznymi. Jak wychodzi z wiadomo?ci Zwi?zku Banków Polskich, na po?yczki wi?ksze ni? 25 lat decydowa?o 69 procent osób.
Z pewno?ci? nie wszystkie rodziny zaci?gaj?ce kredyt na ponad 25 lat czyni? to z powodu, i? brakuje im zdolno?ci po?yczkowej przy krótszych okresach kredytowania.
Powoduje to wszystko, ?e kredytobiorcom na pograniczu zdolno?ci kredytowej w tej chwili coraz gorzej b?dzie przemkn?? si? przez szereg wymaga?. I w du?o przypadkach warunkiem zdobycia zobowi?zania b?dzie spadek kwoty kredyt czy te? odroczenie kredytu na pó?niej.
Nowe zmiany wymuszaj? tak?e obowi?zek badania zdolno?ci bankowej i historii po?yczkobiorcy w BIK. Jedyn? korzy?ci? z tych zmian jest obowi?zek ukazywania przez instytucje finansowe ??cznych kosztów po?yczki.
Posted by Ricardas Montvila on November 1st, 2010
Online Usability guru Jakob Nielsen in his recent “Photos as Web content” article discusses Photo usage on the Web.
This post is just a quick summary. Original article is a must-read!
Posted by Ricardas Montvila on November 1st, 2010
At the first glance all email marketing metrics seem relatively straight forward. However it is important to know how they are calculated from the technical point of view in order to be able to analyze your campaign performance and draw any conclusions. This post describes a few basic, but often misrepresented email marketing metrics.
Posted by Ricardas Montvila on October 27th, 2010
Behavioural targeting email marketing has been in the headlines for some time now and there is a good reason for that. It works!
Few examples:
RedEye has helped Sainsburys Bank achieve 750% ROI with their behavioural targeting campaign. (view case study)
Posted by maildog on October 27th, 2010
We all know what we can’t do to grow our email list (nobody wants to be a puppy-slayer! see more information on the dangers of list-rental), but for a lot of businesses the question remains … what CAN we do to ethically and organically grow our list?
We posed the question to Mail Dog VP of Marketing, Alison Hasbach and here’s some of her insight on this topic.
Posted by Ricardas Montvila on June 14th, 2010
Surveys are an extremely powerful market research tool. Why guess what your target audience wants if you can ask them?
This post describes a few proven, powerful yet cheap Survey tools that are waiting to be utilised.
If you are thinking “What is a Survey and why should I care?” please click here.
Posted by Jordan Lane on June 14th, 2010
A transactional email is an email that is sent in response to an action. The most common types of transactional emails are order confirmations, ship confirmations, and order tracking emails. Transactional emails are generally high performers. On average they have seven times the open rate and four times the click rate when compared to bulk email. Also, transaction rates (i.e. purchases) can be four to eight times higher in transaction emails compared to bulk emails.
Posted by Ricardas Montvila on June 10th, 2010
Outlook 2010 will display “View in Browser” button in those emails that are likely to have some CSS rendering issues.
That’s great news for email marketers, but what is the point of this if we do not know how to make sure this button is always there?
30 minutes and 25 tests later I have found a CSS tag that will activate this button every time your email lands in Outlook 2010.
Posted by Ricardas Montvila on June 10th, 2010
Newsletters are a great way of communicating news about your company to people that are interested either in your brand or what you have got to say about the industry. This is even more important to email marketing service providers, as they have an excellent opportunity to educate their existing customers on newsletter best practices and secondly their prospective customers can see how good their newsletter programmes can be.
Having this in mind WhichESP has analyzed newsletter subscription processes of 100 ESPs worldwide to show you what Newsletter signup process should be like. Or should I say “Should not be like”?
Posted by Jordan Lane on June 9th, 2010
You never get a second chance to make a first impression is an old, but accurate, cliché. First impressions can make or break a friendship, a job interview, or a business relationship. This is especially true when someone opts in to your email marketing program. Be sure you make these new subscribers feel welcome. Send an appropriate and timely welcome (and maybe an offer) to newbie’s to your list. Be sure the first email a new subscriber receives from you makes a great first impression. This is why you need a fabulous Welcome email.
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