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Do you know your unique FQL Factor? Well first, allow me to explain that the FQL Factor is a success measure called Financial Quantum Leap Factor. So let me pose the question again.

Now that you know what it is, have you considered what your FQL should be?

We are all painfully aware of the state of the global economy. Multinational corporations and huge US banks are failing and the US economy is totally unstable. We are witnessing significant economic collapse in proportions not known since the late 1930’s.

Everyone is afraid of the crisis and people around the world are tuned into the news surrounding the unraveling of the economy. People are driven by their and worry about their own financial security.

So why the question, What is your 2009 Financial Quantum Leap Factor?

Well, lets face it. There is a bottom line in this world. You can either be a proactive, highly intentioned, financial achiever who PLANS their exponential success rate, or you can be one of the millions of people sitting there waiting for the next news story to bring you down, and predict your financial demise.

While the nations of the world are concerned about the doom and gloom of the worsening financial crisis, and social charity takes a back seat to self perpetuating worries, there is a better way to approach the coming year! First off, note that the political change in America is a prime opportunity for the US to get it right.

President Obama has a plan to reverse the seemingly immeasurable damage George W had afflicted on the US and the world through his tenure. It is going to take Obama his full two terms in office (yes I predict Obama will be in office for us for two terms) to correct the economic state, but he can and will do it.

Barack can only do so much at once but he can and will steer the country until crisis is over and wealth and abundance is upon his country once again.

I suggest that you could look at these times as an opportunity to make measurable changes in your life and in your mindset towards your wealth. This article regarding your FQL Factor for the coming year is not a suggestion to make any stereotypical resolutions that usually fail, but rather it is a call to action (CTA) to commit yourself fully to your affluence. I am committing myself exponential financial growth in 2009 and in years to come.

You see, even in the worst of times there are those who rise above adversity, and commit themselves to their success.

Your FQL factor next year may be to start a business and go from zero to $12,000 in sales. Alternatively, it may be to skyrocket your sales from $10,000 a month to $100K a month. My recommendation to entrepreneurs like yourself is to not just aim to double or triple your cashflow, but to commit to a tenfold increase in your wealth in the coming year!

That is right. Wherever you are at, look to making 2009 the year when you earn AT LEAST 10 TIMES more wealth than you had in the past year.

Traditionally the marketing mix is co-ordinated so efficient product, price, promotion and place strategies are developed for products purchased over the counter. The internet is changing the way we sell our products and services. That’s a fact. Consumers now use the internet to research and purchase products/services online. Organization now needs online strategies to attract and retain customers. The e-marketing mix considers the elements of presenting the marketing mix online.

Online, this immediate tangibility disappears. But, is that a disadvantage? E-commerce sales are increasing at extremely high rates. Why? What does buying products online offer over one to one sales? Firstly there are clear online facts about the product you are purchasing. The buyer knows immediately about product features, the facts, not sales persons assumptions. Electrical store offers clear information on products and their specification, consumers know what they get if not there is a customer service number where they can find out more. The buying process is also customized for returning visitors, making repeat purchases easier. Organizations can also offer immediately ancillary products along with the main purchase. As mentioned in marketing mix section, pricing is always difficult to do and must take into account many considerations.

Traditionally pricing was about finding about your costs, discovering how much consumers are willing to pay, taking account competition pricing then setting your price. The internet has made pricing very competitive. Many costs i.e. store costs, staff cost have disappeared for complete online stores, placing price pressures on traditional retailers. The internet gives consumers the power to shop around for the best deal at a click of a button. Such easy access to information helps to maintain prices within the online world.

E-pricing can also easily reward loyal customers. Technology allows repeat visitors to be tracked, easily allowing loyalty incentives to be targeted towards them. Payment is also easy online credit cards use allows for easy payments. One of the biggest changes to the marketing mix is online purchasing. Consumers can purchase direct from manufacturers cutting out retailers totally. The challenge for online retailers is to insure that the product is delivered to the consumer within a reasonable time. Location is important within our place strategy.

Online location can refer to where links are placed on other websites. Promoting products and service online is concerned with a number of issues. Having a recognizable domain name is first stage towards e-promotion. Most organizations today have some form of webpage used in most if not all advertisements. Placing banner advertisements on other web pages is a common form of e-promotion. Banner ads must be placed where potential customers browse. Web public relations are another approach to promoting online. News worthy stories based on product or service launches can be placed on the company’s webpage, or WPR articles sent to review sites for consumers to read. Hopefully this form of online promotion will pull the consumer in. Direct email is a popular and common form of e-promotions, although slowly becoming the most hated my many consumers. Organizations can send e-leaflets to hundreds and thousands of respondents, hoping a small percentage will reply.

To summaries e-promotion includes: Banner promotion, Web public relations (WPR), E-leaflets and having a domain name. The e-marketing mix must work together and support each other if the company is to have a successful online marketing strategy.

The quality of the internet e-tail service is the real thing that a e-tail business should keep in view. However, firms face several problems in understanding the context of web based commerce. Current notions of service quality and delivering quality service are based largely on research and managerial experience in conventional contexts where customers can physically examine and interact with the products they purchase. In contrast, the nature of customer interactions with products as well as the cues they receive about the firm is likely to be significantly different online. Understanding how customers perceive service quality online and how such perceptions influence perceptions of value and willingness to purchase online.

Furthermore, our current understanding of the phenomenon of e-commerce phenomena comes largely from studies. With online e-tailing becoming increasingly main stream across the globe, information on the phenomenon from an international context is particularly important. Service quality has been recognized as an important strategic e-tailing weapon. Many successful product e-tailers differentiate themselves not through the product they sell but through the service they offer. The quality of a web-based e-tail service depends on the perceived quality of the process of using the web for purchasing as well as the perceived quality of the outcome. Research has suggested that functional service quality influences consumers’ willingness to buy directly.

The functional service quality is main contributors of consumers’ willingness to buy. Functional service quality also influences technical service quality, which in turn influences product quality. The role of technical service quality is well recognized. It influences not only perception of product quality but also the personal construct of value. Competence (skill and expertise) or product knowledge is important for Perceptions of technical service quality.

Consumers on the web do not regard all web service quality categories as equally important. Some web service quality factors differ from one product category to another while certain factors are regarded as highly important across all the product categories. This highlights the important role of functional and technical dimensions of service quality and their link to perceptions of value and the willingness to buy. The results provide evidence of the moderating effects of product characteristics on the relationships of web service quality to perceived product quality, value, and willingness to buy.

The results provide a broader picture of these relationships in an international context. The multiple web sites in each product category can sharpen results. In addition, understanding how culture affects satisfaction and perceived service quality is an interesting point. The certain potential antecedents of customers’ purchase behaviors like customers’ buying decision style are uncontrolled because of the limitation of setting. Incorporating these effects may yield useful insights.