Tech and Management Tutorials Blog

BCG matrix is the most popular portfolio management tool. It is used to determine the priorities in the product portfolio of a business unit. A company should have portfolio of products with high growth products and low growth products for a long term value creation. The BCG matrix involves market share and market growth. It has four segments like Stars with high growth and high market share, Cash cows with low growth and high market share, Dogs with low growth and low market share and Question Marks with high growth and low market share. It best helps you to understand the frequently made strategy mistake.

The five forces model is a outside in business unit strategy tool which is used to analyze the value of an industry structure. The five fundamental forces are Entry of competitors which depends on investment requirements, access to technology, brand loyalty etc, Threat of substitutes includes quality, buyers willingness to substitute etc, Bargaining power of buyers includes branding, profitability of the suppliers etc, Bargaining power of suppliers, Rivalry among the existing players. Sometimes a six force government is added. The five force model is a very effective tool for competitive analysis of an industry and provides necessary input for SWOT analysis.

Marketing Mix is a tool which helps in defining marketing strategy. This method is used by the Marketing managers to generate an optimal response in target market. To meet the target groups changing need, the marketing mix can be adjusted on frequent basis. It includes four key elements in marketing like product where the quality appearance, service, support and warranty comes to picture, price includes discounts, financing, leasing options, etc, place like locations, market coverage, internet, mobile etc, and promotion advertising, public relations, media, direct sales etc. The main function of marketing mix is to increase the performance of the organization.

Mind mapping is a brain storming tool and learning technique where you arrange the ideas and their interconnections visually. Mind map usually has an issue or problem which is centered and short phrases, words and pictures are connected to the central issue by lines. It actually stimulates imagination and creativity in people as most of the people are visually oriented. It can be used in large range of activities like note taking, reporting, increase creativity, capture ideas, gain an overview, planning, analyze and solve complex problems, team building and many more. The information can be better managed for meetings, presentations, projects, proposals etc.

SWOT analysis is a tool which is used in management identifying the strengths, weak points, opportunities and threats of a company. Strength and weak points of a company are the internal factors which include the resources, skills and assets like strong brand and reputation, quality processes and procedures or lack of marketing expertise, while threats and opportunities are external factors which are not under its control like developing market, removal of international trade barriers or price war. SWOT diagram is a wonderful tool which helps companies to analyze all these for the better understanding of their current picture and helps to improve it.

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Problems that are visible catch a decision makers decision. These problems become the first to be acted upon, or a priority. For e.g. if at the time of the chief executive officers (CEO) visit workers start agitating, then this agitation becomes the main problem for the CEO because it is visible to him. This is nothing but Problem Perception.

A mix of mortgage insurance and state guarantee gets the consumer, lower rates of interest and competitive terms for his home loan from lenders. One of the reasons for charging high rates of interest by the lenders is the unpredictability and uncertainty associated with the payments of monthly dues. Hence the FHA Home Loans stipulate the borrower to sign for mortgage insurance premium as a condition. Based on the mortgage insurance signed by the borrower the Federal Housing Administration is able to in turn provide guarantee to the lender the repayment dues of the borrower. The mortgage insurance premiums paid by the borrower are utilized by the federal housing administration to make repayments to the lender on behalf of the borrower.

With assured repayments, the lenders are willing to reduce the rates of interest for the home loans. Thus by signing mortgage insurance at below 2% of the value of the loan, the borrower gains tremendously. This is an example of how the combination of financial products helps reduce the costs for the consumer. Consumers can avail FHA Loan for even refinancing their existing home loans so as to reduce the interest burden. Qualifying for these loans is simple and uncomplicated. Even persons with not so good credit rating are accepted by the federal housing administration for recommendation to the home loan lenders. Another feature of the loan here is the fixed nature of the interest rates for the duration of the loan. The FHA Loans also enable the borrower to enjoy benefits like low down payments and low monthly repayments. Borrowers are also not penalized when they make early settlement of loans. The home loan schemes envisaged by the FHA keep in mind the housing need of the US citizen and are devised accordingly to provide easy home loans to them.

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The hop-on, hop-off tours that this company offers on their double-decker top-deck-only buses is certainly the ideal way of seeing the city. You not only get the best possible view of the city but also get $5 discount on each booking. I enjoyed all that the city had to offer through their various packages. They have packages for students, for groups, Private VIP packages, bus charters, night tours, one day moor coach tours to other cities, etc. Visit this site to know all about New York City Tours.