text:
It s Time to See E-commerce Differently
- Hilary Nelson
- 1 years ago
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1 Business and Technology Insights It s Time to See E-commerce Differently Inside: Growing Permanency of E-commerce The Agents Powering E-commerce Evolution of Retailing and Ordering The Significance of an Integrated Technology Platform
2 Executive Summary E-commerce is unquestionably in an age of ascendancy. Virtually anything that has been made in the last 100 years can be found for sale somewhere on the Internet. This reality is confounding traditional retailers, wholesalers, distributors and more as their facilities can t match the scope of offerings found in the electronic showroom of the worldwide web. In a growth constrained economy, businesses are rushing to create new online channels for their products and services in order to improve top line revenues. But, woe to the wholesale/distributor or manufacturer that thinks e-commerce is simply an adjunct to their current processes, systems, and customer management strategies. Online buying expectations for both B2B and B2C customers are changing as the market evolves. Customers have grown accustomed to polished e-commerce user experiences like those offered by Amazon.com. They are beginning to expect the same level of experience from all sellers even B2B websites. Unfortunately, most companies e-commerce architectures, if they exist at all, are limited in their ability to capitalize on this growth opportunity. To compete effectively in this changing environment, companies should begin with the vision of a single customer experience that is based on an understanding of the changing buying processes, then develop the technology strategy to support this experience that is enabled by an integrated technology platform. As for specific solutions, some businesses are leveraging a foundational ERP solution that brings together e-commerce, CRM, production and financial systems into an integrated system. Others are utilizing robust platforms that are capable of sharing and managing data integration within the back-end systems while providing a contemporary front-end customer experience. Cloud-based solutions have emerged as leading alternatives since they can meet the functional and technical needs of the solution and provide the operational flexibility and future scalability for companies of all sizes. They provide current technology and allow in-house personnel to focus more on innovation than IT housekeeping. Companies can then go one step further by utilizing data collected internally and externally to gain insight into their customers and continue to evolve the experience to better meet their needs. page 1
3 Growing Permanency of E-Commerce E-commerce is here to stay and the proof points are staggering. Companies like Amazon.com and ebay did not exist until , yet the two firms have grown into e-commerce powerhouses and have ushered in a world where virtually anything is available for sale anytime, anywhere. This reality is confounding traditional retailers, wholesalers and distributors, as their facilities can t match the scope of offerings found in the electronic showrooms of the worldwide web. Wall Street has clearly grown enamored with the growth of Amazon.com and ebay and has rewarded each with significant stock prices and market capitalizations. ebay s revenues are over $13 billion and its market capitalization exceeds $65 billion. Amazon.com now has revenues of $54+ billion and a market capitalization of over $110 billion 2. Forrester Research provides an even more sobering data point. Forrester predicts that by 2013, businesses, not consumers, will purchase more than $559 billion in goods and services via the web more than double that of consumer web expenditures 3. At Baker Tilly, we continue to ask our clients Are you getting your share of this commerce? Business customers are purchasing via the web for its convenience. Business sellers like it for its improved efficiency, reduced employee costs, and order entry error reductions. Sellers can also offer high-touch personalized services to their largest or most profitable customers, while implementing online purchasing tools for their lower revenue or margin customers. By 2013, businesses will more than double consumer web expenditures But, these benefits can be elusive for some sellers particularly sellers with limited, inefficient, or outdated e-commerce technologies. 1 Source: Wikipedia.org 2 Source: Yahoo Finance, 10/18/ page 2
4 The Agents Powering E-commerce E-commerce has grown due to the confluence of several technologies and their rapid growth globally. Let s look at each of these briefly. Mobile technology has become a great democratizing technology and is enabling the next generation of e-commerce consumers. Over the next 5 years, 1.2 billion smartphones will enter the market, about 40 percent of all handset shipments. 4 During the same span, enterprise tablet adoption is expected to grow by almost 50% each year. 5 This influx of new smart devices is arming consumers with more knowledge through price comparison applications, product reviews, and social networks; leading to a savvier and better informed purchase decision. This is also creating problems for traditional retailers. More and more, consumers are taking to showrooming activities: where consumers browse, touch and feel products in traditional stores while simultaneously comparison The Power Behind E-Commerce Mobile Technology E-Commerce Software Internet Everywhere Each technology brings new capabilities to the e-commerce world These capabilities, combined with a consistent vision of the customer experience, create the foundation for explosive growth shopping with other e-tailers. Some even buy products online while standing inside a traditional brick and mortar shop. How widespread is this phenomena? In a recent Chicago Tribune article, we see that more than 40 percent of smartphone or tablet owners have showroomed, and one-third plan to wield their phones for good deals this holiday season. 6 The glue that holds this all together is the speed and accessibility of the internet across so many wireless and mobile networks across the globe, reaching all but the most remote parts of the world. Accessibility has shifted the balance of power (information) to the consumer. Businesses must decide how to interact with the savvy buyer and fast Can retail stores avoid showroomers web?, Corilyn Shropshire, Chicago Tribune, October 19, 2012 page 3
5 Evolution of Retailing and Ordering Innovation and commerce have been linked together for centuries. It s logical. Sellers have always sought to deliver more value to their customers, and innovation provides the means to do so. These advantages often translate into greater sales. Businesses have incorporated innovation and technology to take customer orders by mail, telegraph, telephone, fax and online. But, it turns out that the most recent transition to online ordering is actually more complicated, more nuanced, and multi-faceted. Done well, the latest transition can be economically rewarding. Done poorly, and companies could be faced with painful declines. Why is this transition so difficult? Buyers and other channel participants have increased expectations regarding the buying experience. In the Online Order 1.0 world, buyers often place orders online only to learn that someone at the seller s firm re-keyed the order into an ERP system. Re-keying and latency in getting orders entered often introduces errors. Buyers also face discouragement as the items they thought were in-stock often are not as the ERP inventory balances failed to reflect the sales that are already in-process but not yet entered. The world of Online Orders 1.0 will eventually disappear as it hurts the seller s brand, creates customer dissatisfaction and is highly inefficient. Mail Orders Telephone Orders Online Orders 1.0 Online Orders 2.0 Transparent Commerce Orders received via mail and manually entered into ERP system Telephone orders transcribed manually into ERP system Orders received online are re-keyed into ERP system *Orders automatically populated into ERP system *One way channel, online can communicate with ERP but ERP cannot with online *Full Integration *Two way channel, online and ERP can effectively communicate with one another Many companies in the Online 1.0 world are using bolt-on e-commerce solutions within their enterprise ERP and CRM solutions. These solutions often times lack the level of integration required to provide the best possible customer experience. As a result, changes in inventory, pricing, billing, order status, special instructions or shipping terms in your enterprise systems are not always immediately reflected on the e-commerce website. Consider the following customer issues as a result: > > A customer places an order and expects delivery tomorrow, but instead receives a delayed that the item is out of stock > > A company understands a competitor is offering a special price on an item, but cannot make pricing changes fast enough to match the offer > > A customer makes a change to shipping address, but the product ships before the updates to the customer record take place > > A customer on the website seeks an in-store pickup, but it cannot be confirmed because inventory cannot be confirmed page 4
6 In the Online Orders 2.0 world, buyers are entering transactions directly into the seller s ERP system. However, this communication is often one-way and the commerce engines are still rudimentary in look, feel and content. Yes, these systems are an improvement in that they are more efficient and less error-prone, but are not a huge improvement from the user experience. Customers are increasingly demanding that the systems are designed for them and their shopping needs. They do not want to use the seller s ERP software. They want to use a system that has a great user interface, provides an easy route to products and other content that helps a buyer in the decision making process. The customer wants a solution that is designed for their wants and needs not just those of the seller. Now comes the most significant inflection point in commerce: the adoption of the fully integrated e-commerce model to enable transparent commerce. This latest evolution requires a number of capabilities that were designed to serve customers and sellers equally. Rather than utilizing bolt-on e-commerce capabilities to an ERP, these solutions provide an experience that simultaneously serves both buyers and sellers. It has shifted the paradigm and shattered conventional rules of commerce. The Significance of an Integrated Technology Platform To achieve transparent e-commerce, companies need to establish an integrated technology platform. Companies should begin with a vision of a single customer experience based on an understanding of the changing buying processes and then develop the technology strategy to support this experience. In the current e-commerce landscape, companies need to take a proactive approach in understanding the ever changing online buyer (business or consumer), to evaluate their expectations against the company s existing buying experience and IT infrastructure. They need to remove the distinction between B2C and B2B expectations. For example, mobile consumer technologies are appearing in virtually every business process today. Companies need to do research that helps them understand what competitors are doing in the e-commerce sphere, the kinds of technology they use and the metrics that drive their actions. With many large companies, e-commerce solutions were developed separately for each business unit. Yet customers often buy from several divisions, and are understandably frustrated when there is inconsistency or poor coordination amongst the sites. Regardless of the nature of internal operations, customers will see you as one company and a common experience is expected. E-commerce solutions comprised of multiple, cobbled together technology products, not acting as a single system, are no longer sufficient. The cost and effort to run and maintain them is too high, and they do not deliver the consistent experience required for today s customer. There a couple of clear choices: 1. A fully integrated ERP system incorporating e-commerce, CRM, operational, and financial functions 2. An integrated technology platform, connecting application components for e-commerce, CRM, operational, and financial functions page 5
7 Early generation ERP solutions were designed for a different time. They focused on internally generated transactions and have an accounting-centric focus. Those capabilities will still be needed, but for companies to compete in the e-commerce world, the old ERP model may not be up to the task. Today s cloud-based ERP systems such as NetSuite are designed with integrated e-commerce built into the core of the system. They operate with e-commerce as an integrated function, creating a seamless flow of business transactions and customer experience regardless of customer touch-point. These systems dramatically simplify the IT infrastructure and skills required to support the system. FROM: TO: CRM CUSTOMER RECORDS CRM FINANCE PRICING CONTENT MANAGEMENT E-Commerce PRODUCTION & FINANCE PRODUCTION ORDER STATUS In other scenarios, the best solution may be to utilize a robust platform that is capable of sharing and managing data integration in the back-end while providing a contemporary front- end customer experience. Salesforce.com s Force.com and Site.com platforms are good examples of where companies can utilize e-commerce solutions which integrate seamlessly with other platform applications such as Customer Relationship Management (e.g. Salesforce CRM), ERP (e.g. Rootstock) and Social Media Analysis (e.g. Salesforce Marketing Cloud) In both cases, cloud technology provides the operational flexibility and future scalability for all companies of all sizes. It provides all the latest IT technology and allows in-house personnel to focus more on innovation than IT housekeeping. page 6
8 And One More Thing With an integrated platform in place, companies can begin to leverage multiple data sources, including Point of Sale, CRM, and social media metrics, to better understand customer performance and preferences. This information will not originate within your ERP or e-commerce software, but rather in unstructured data that exists outside you organization. The next step would be to use powerful tools such as Salesforce Marketing Cloud to better understand what customers are saying about the brand and further understand the customer. See our whitepaper Speed, Big Data And Analytics. Your Company s Three Must Haves for further information on using big data. Conclusion E-commerce is no longer a thing that businesses attach to their older enterprise software and platforms. If you treat e-commerce as an afterthought or bolt-on extension, you ll likely miss the increasing opportunities that online channels represent to most businesses. Smart businesses are creating holistic, easy-to-use, accurate e-commerce experiences for their customers. They use data to anticipate customer needs and wants and guide the buyer to better purchasing outcomes. The same savvy that consumers are using when making personal purchases is being requested and demanded in the business commerce realm. Business buyers want content-rich solutions (e.g., customer reviews of products, competitive pricing data, etc.) at their fingertips, too. And, they seek sellers who present the best overall web experience for them. We believe a sea-change in business web commerce is underway and the dividing line between the winners and losers is getting clearer and clearer. Are you prepared to make the change? page 7
9 Contributors Ethan Bach Principal Matt Haller Principal Bruce Bendix Director, Growth Strategies Jason Meyer Manager, Growth Strategies About Baker Tilly Baker Tilly is a full-service accounting and advisory firm whose specialized professionals connect with you and your business through refreshing candor and clear industry insight to provide high value results. Our specialized expertise and global reach in audit, tax, and management consulting support your organization s goals with knowledgeable, competitive insights. As an independent member of Baker Tilly International, the world s eighth largest network of accounting firms, we bring you access to market-specific knowledge in 120 countries. We believe that exceptional client service comes down to a single idea...trust. The trust that comes from working with people dedicated to understanding your business needs. People who respond to the challenges you face today and anticipate the opportunities of tomorrow. Our clients recognize the differences that set us apart. > > Proactive, personal, and responsive client service > > > Active in a strong global business network > > > Informed observations and recommendations from experienced professionals who know your industry > Team approach that ensures continuity and access to partners and managers > Broad industry and service offerings with deep specialization We bring our skills, integrity, and energy to each client engagement. Connect with us: page 8 Pursuant to the rules of professional conduct set forth in Circular 230, as promulgated by the United States Department of Treasury, nothing contained in this communication was intended or written to be used by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer by the Internal Revenue Service, and it cannot be used by any taxpayer for such purpose. No one, without our express prior written permission, may use or refer to any tax advice in this communication in promoting, marketing, or recommending a partnership or other entity, investment plan or arrangement to any other party. Baker Tilly refers to Baker Tilly Virchow Krause, LLP, an independently owned and managed member of Baker Tilly International. The information provided here is of a general nature and is not intended to address the specific circumstances of any individual or entity. In specific circumstances, the services of a professional should be sought Baker Tilly Virchow Krause, LLP
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East Idaho's Biggest Garage Sale 2014
Elite Idaho Events
Saturday, June 14, 2014 from 7:00 AM to 4:00 PM (MDT)
Who's Going
San Francisco, California
London, United Kingdom
Florence, Italy
Event Details
Tickets: Admission tickets to the Eastern Idaho's Biggest Garage Sale are available at the main gate. You do not need to pre-purchase tickets unless you want to!
Tickets are $2 each. Children ages 3 and under are free. If you have any questions regarding ticket sales or attending the event, please email email@example.com
Vendors and Sellers: You are invited to join us for East Idaho's Biggest Garage Sale in the Hillcrest High School Parking Lot in Ammon, Idaho.
A limited number of booths are available on a first-come, first-served basis for:
1. Non-Commercial Booth (household and personal items) 20x20 space for $30
2. Commercial Booth (traditional, licensed businesses) 20x20 space for $200
ü If you wish to reserve multiple spaces, please select number of spaces during the purchase process and we will make every attempt to place your spots together.
EEach Vendor/Seller Booth comes with 4 tickets to the event. You can use these for the peopel that are helping you at your booth. These passes will be at the check in table on Friday, June 13th when you check in for set-up.
ü We will be contacting you prior to the event with confirmation, set-up/check-in and event details. Please print your certificate as proof of purchase and bring it with you to the event during check-in/set-up.
ü For any questions and comments about East Idaho's Biggest Garage Sale, please contact firstname.lastname@example.com.
Public Admission: Gates open for the general public at 7:00AM on Saturday, June 16th. The event closes at 4pm.
General Event Information
ALL BOOTHS are AVAILABLE for JUNE 14TH, 2014.
Security will be present at all times, from Friday night through Saturday afternoon.
All booths must be set up on Friday, June 13th, 2014. No set up on day of event will be allowed.
Vendors must be in their booths by 6:45AM on Saturday, June 14th, 2014.
Vendors must stay in their booth(s) when selling your merchandise. Must be in your booth from 7:00AM-4:00PM. No early tear-downs will be allowed!
Each vendor will be provided a temporary State of Idaho "seller's license" that must be filled out and posted in their booths during the event.
Vendors will be responsible for paying their own taxes to the State of Idaho.
Signature Party Rentals is available to rent tables, chairs, canopies, etc. to vendors who need these items for their booths. East Idaho's Biggest Garage Sale does not furnish tables/chairs/clothing racks, etc. You must make your own arrangements for these items. Please pre-order from Signature Party Rentals.
Electrical power will be available at specified locations to test for-sale merchandise. Individual booths will not have power.
Booths are confirmed only when payment has been received. No refunds will be given.
No food/drink can be sold from vendor booths unless authorized by Riverbend Communications.
The East Idaho's Biggest Garage Sale will take place rain or shine!
If you need more information, please go to: www.EastIdahosBiggestGarageSale.com
When & Where
Hillcrest High School
2800 Owen Street
Saturday, June 14, 2014 from 7:00 AM to 4:00 PM (MDT)
Add to my calendar
Elite Idaho Events
Elite Idaho Events - East Idaho's premier event company - Presenting East Idaho Home & Garden Show, East Idaho Kid's Fair, East Idaho's Biggest Garage Sale; East Idaho Harvest Fest & Outdoor Expo, What Today's Women Want Expo and All I Want for Christmas Expo.

subset: commoncrawl


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Definition of "bracing" - Learner's Dictionary
(Definition of "bracing" from the Cambridge Learner's Dictionary © Cambridge University Press)
Get a quick, free translation!
- brace noun
- brace verb
- bracelet noun
- braces noun
- bracing adjective
- bracket noun
- bracket verb
- brackets noun
- brag verb
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More Learner's Dictionary definitions for "bracing"
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civil rights
the rights that each person has in a society, whatever their race, sex, or religion


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About Karen
Whoever said that diamonds are a girls best friend obviously has never owned a dog. I have loved animals all my life and have always wanted a job within the animal care sector, I have finally got my dream and can surround myself with furry friends. I have studied Animal Management and am going through a Canine Behaviour course at the moment too. I have had lots of experience with animals, especially dogs, including owning at least 20 different pets, of varying species.
I understand that trusting someone enough to leave your pet with them can be very daunting so I invite you to contact me so I can put your mind at rest and tell you how I will look after your fur-baby.
- Property type: Apartment
- Resident dogs: 0
- Other Pets: 1 cat who sleeps on the bed all day.
- Outdoor space: Garden
- I have a car for emergencies
- I can administer oral medications
- Dog care is my primary occupation


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FLATLINERS is a Star Wars: The Old Republic guild.
About the guild
This guild was created in 2004 as an Anarchy Online organization. Most of the core members stayed with the guild since then and new members where always added at a slow pace.
Members are required to act mature, but shouldn't lack a sense of (black) humor. The use of TeamSpeak 3 is preferred, but only necessary at raids. Speaking of the guild does not have a fixed raid schedule, raids are rather run when enough people are online and willing to participate.
Role-playing is encouraged but not required. Nonetheless all guild members are required to respect role playing and to not interrupt any role playing between guild members or other players at any time.
Joining the guild
The guild's recruitment status and an application form can be found on the guild website.
Notable Members
Mortizia: Being the supreme guild leader in AO and subsequent games, she may become the leader of the SWTOR guild as well, when the guilds main focus changes to SWTOR.
External links


text: Ureshino Anime Pictures Zen UreshinoThe Kendo Club stunned by Medaka's speed.Medaka preaches to the Kendo Club.The Kendo Club.Hyūga and Moji (and Ureshino) at the swim meet.Add a photo to this galleryUreshino Manga Pictures Ureshino on the cover of Chapter 188.Add a photo to this gallery Retrieved from "http://medakabox.wikia.com/wiki/Zen_Ureshino/Image_Gallery?oldid=29481" Ad blocker interference detected! Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected. Categories: Images


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Bloemfontein: Kings XI Punjab skipper Yuvraj Singh won the toss and elected to bowl first against Delhi daredevils in a do-or-die clash here on Friday.
It"s a must win match for the Punjab side if they want to keep their hopes alive for the place in the semi-finals.
Punjab has left out injured Mahela Jayawardene and in his place Ramesh Powar came in while Delhi, who are certainty for semi-final berth, included Daniel Vettori and Maharoof into their final XI. Amit Mishra was not included for this match.
Kings XI Punjab: Sunny Sohal, Simon Katich, Yuvraj Singh(c), Kumar Sangakkara(w), Irfan Pathan, Luke Pomersbach, Brett Lee, Piyush Chawla, Wilkin Mota, Ramesh Powar, S Sreesanth
Delhi Daredevils: Gautam Gambhir, Virender Sehwag(c), Tillakaratne Dilshan, AB de Villiers, Dinesh Karthik(w), Rajat Bhatia, Mithun Manhas, Farveez Maharoof, Daniel Vettori, Pradeep Sangwan, Ashish Nehra


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Practical Baby Items
We've searched for the very best boutique items for your baby. Whether it's our mom-created Car Seat Snugglers or designer fabric Shopping Cart Covers, we have what you need to get through your day with your baby in tow. Our practical baby items section features products that are great for a new mom and baby or an experienced mother. Our high-quality baby items also make wonderful gifts for mom and baby.


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LogoNation Careers is a rapidly growing specialty advertising company headquartered in Mooresville, NC, just outside of Charlotte. They have been promoting business pride and community spirit through promotional products and with The Original CommuniTee since 1998.
The Original Communities is LogoNation Careers annual community promotion t-shirt. The CommuniTee is designed to promote business pride and community spirit in smaller towns throughout the United States. The back of the shirt features ads from local businesses. The shirt's front is designed to uniquely represent each town.
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Creating and distributing valuable content to engage and convert target audiences, content marketing can take a lot of time and effort, and many financial marketers are struggling to understand its value. After all, it's a longer term strategy, not a quick fix – because with content marketing, you're building trust, and that can take a while. Great content is a vital part of any inbound marketing strategy, but how do you know if the effort is worthwhile?
Investing In Content Marketing
If you're in the business of generating leads, then content marketing can be a great investment for your bank or credit union. To illustrate its effectiveness, check out a few key stats:
- In 2015, content marketing generated 3x as many leads as traditional outbound marketing and cost 62% less.
- 53% of marketers say content creation is the most effective SEO tactic.
- The second highest share of digital marketing budgets is allocated towards content creation and management.
- 70% of consumers say they would rather know a company through articles than from ads.
So why is it important to invest in content? Because if you do it right, your content will help keep your prospects engaged with your brand until they are ready to buy.
Why Content Marketing Makes Sense
Content marketing is all about attracting, acquiring and engaging your target market with the goal of driving profitable business actions. As a financial services marketer, it's your job to find new customers and keep your current ones, and content marketing is one of the most effective tactics that can help you bring in visitors to your website by offering them something of value.
At the end of the day, your goal is to increase revenue, which means your content will need to lead prospects through your sales funnel. Like the saying goes, "If it don't make dollars, it don't make sense!"
Most traditional marketing is intrusive and interrupts the customer, bragging about how amazing a company's product or service is, before telling people to buy something now. What ads like that assume is that when you're reaching your prospect, they are ready to buy now and understand your product. But most people are using the Internet to do some research before they buy. And if you want to show up during that stage and start to build trust, content marketing is a great way to reach them.
If you're only running ads that demand people to buy now, you may push them away, because they don't know anything about your bank or credit union. It's like dating – you don't ask someone to marry you on the first date. You court them for a while, get to know them, appeal to their interests, and when the time is right – you propose.
Using Content To Reach Consumers Throughout The Buying Cycle
Financial services marketers usually think in terms of products they need to sell when putting together their marketing strategy, but when consumers are doing online research, they are usually thinking in terms of problems they need to solve. And this is where content marketing comes in play. If you can create content that helps solve your target market's problems, you'll have a better chance of making an impression (pun intended).
Much of the customer's buying journey is now happening online – and if you're not there, you've already lost the battle. So what is this battle, you ask? It's the fight to get discovered, and this can happen in many different channels and stages now. What is one person's loyalty phase, like posting a review in the App Store or tweeting about an issue can turn into someone else's awareness or research phase. You'll want to create a variety of content to address different people's needs during these stages.
Here's a quick refresher on the buying cycle stages:
Awareness: Before someone can buy your product or service, they need to know you exist. This is where building awareness of your brand comes into play. This can also be the prospect's awareness that a problem exists.
Consideration: During this stage, your financial institution has made an impact and is now in your prospect's consideration set of vendors they may use to help them solve their problem.
Purchase: Boom! You earned the sale. Good job. They choose you as the best credit union or bank to help them solve their problem.
Loyalty: If you gave your customer a great experience, they will keep coming back. Maybe that's in the form of a like on Facebook, or a referral to their friend, or another purchase for a different problem, or joining your loyalty club. If you dropped the ball, they could post a negative review that deters others from doing business with you.
So how do you know what types of content to produce at different stages? That's where personas come in. Defining your target audience in terms of different types of people will help you think about their needs during these various stages. Then you'll want to map their needs to your products and think in terms of how you can help. To illustrate, let's walk through the following example.
How Content Can Help You Earn the Sale
Let's say Juan wants to buy his first home. He begins with an internet search to figure out how much home he can afford. He finds a bank's website with a financial calculator to help him determine his budget. Now, he wants to know what his next steps should be, so he does another search to find out since the site he was on didn't lead him to that next step.
Then, Juan finds a helpful blog post that walks him through all of the steps of buying his first home. This blog post leads him to download a checklist to keep him on track. In order to get that checklist, he had to fill out a form, and decides to check the box to allow the bank to contact him about their offerings.
The next day, Juan gets a call from a mortgage officer and takes down the information. But before he decides to give him his business, he wants to compare. Juan finds another bank with better rates and then decides to check out their reviews. He likes what he sees, and decides to set up an appointment. He loves his rep, and decides to give him his business, and then follows the bank on Twitter to stay connected. Later, his friend asks who he used for his mortgage, and he refers him by way of an email that he forwards with all of their information.
What's the lesson here? In order to win the sale, you'll need a variety of content to address the different needs of your prospects during different stages of the buying cycle to keep them in your sales funnel. And if you haven't invested into content, you'll have a much harder time winning the online battle for business.
Types Of Content To Create
What type of content should your financial institution create to keep prospects in your sales funnel? There's no one-size fits all answer since every bank and credit union is unique, but here are some different types of content to consider:
- How-to Guides
- Downloadable eBooks
- Webinars
- Testimonials & Reviews
- Financial Calculators
- Comparison Charts
- Educational Blog Posts
- Social Media Updates
- Infographics
- Videos
- Landing Pages
- Giveaways, Contests & Sweepstakes
- Offers or Coupons
- Gamification
- Case Studies
What's great about generating content is that it all works together. When you publish frequent blog posts, it helps your SEO. And when you put effort into your social media pages, you can drive traffic to your website. And when people visit your website, you can pixel them to re-market to them later. To get started, you may want to can conduct a content audit, find the gaps of where you're missing content for key steps in the buying journey, and then create a plan to fill them in.
Is the effort worth it? If you're in the business of building trust and generating leads – yes. What're your thoughts?


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In today's Catholic Daily Roundup, John Boehner, the resignation of a congressional staffer, St. Louis Rams players, World Aids Day, and Archbishop Chupich.
"Peace is not merely a distant goal that we seek, but a means by which we arrive at that goal." -- Martin Luther King Jr.
Today's Psalm: "Pray for the peace of Jerusalem! May those who love you prosper! May peace be within your walls, prosperity in your buildings." (Psalms 122:6-7)
In the News:
- Speaker Boehner is working to convince Republicans that "engaging in a spending confrontation is the wrong way to counter" President Obama's move on Immigration
- Congressional Staffer Resigns after disparaging comments about Sasha and Malia Obama.
- On Sunday, five St. Louis Rams raised their hands in solidarity with protesters in Ferguson. Many supported the players but some, including the St. Louis Police Officers Association, were disappointed.
- Today is World AIDS Day, a day for people around the world to unite in the fight against the disease, to show their support for the estimated 34 million people living with HIV and AIDS and to commemorate those who have died.
Pope Francis and church news:
- How will Pope Francis affect the 2016 presidential election? Many believe that the American bishops will tone down their political activities in 2016 thanks to the pope.
- In an interview with Face the Nation, Archbishop Cupich said that Catholic bishops are in favor of President Obama's executive action on immigration. He call it as a "first step to comprehensive reform of immigration policies."
- Turkey's President, Recep Tayyip Erdoğan, asked Pope Francis for help combatting anti-Muslim prejudice while Pope Francis urged Muslim leaders to condemn violence done in the name of Islam.
- Pope Francis and Ecumenical Patriarch Bartholomew called for constructive dialogue with Islam based on mutual respect and friendship.
CACG would like to equip lay Catholics with the resources necessary to promote the common good in their communities. That's why we have the Catholic daily roundup. You can sign up for this short and digestible daily e-mail here.
We always appreciate your support. Invest in us today so we can continue to spread the social mission of our Church through 2014-2015.


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April 17th 2015, at University of Cumbria, Ambleside Campus starting at 7.30pm
With Pre-Order, you can purchase the latest items added to our store in advance of them arriving with us.
You Pre-Order is prioritised (at no additional charge); meaning that, as soon as the product arrives with us, we can wrap it straight back up and get it sent out to you - it often never even hits the stock room shelves!
With Pre-Launch, the date when we expect to receive the product ourselves is still a little too hazy to be confident in accepting Pre-Orders.
So, instead, you can submit your email address against the item you are interested in and we will email you as soon as stock arrives on the system.
Estimated Delivery Dates are given on Pre-Order and Pre-Launch products. They are for indication purposes only and can change at any time without notice.
The dates we provide are based on indications given by our suppliers. Whenever we get updated information from our suppliers we will endeavour to update the Estimated Delivery Dates provided on product pages.
The Climbers Shop in association with Mountain Equipment present a film and talk by top Scottish Climber Dave MacLeod about his recent 11 pitch, 8c route called Project Fear on Cima Ovest in the Italian Dolomites.
For the full story check out on Dave's Blog here
There will be a raffle for Mountain Equipment goodies - Refreshments are available - All proceeds will be split between Langdale and Ambleside Mountain Rescue and Doug Scott's Charity, Community Action Nepal.
30 Day Returns
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Obviously, you didn't buy your A6 unless you knew that you wanted long-lasting quality and a trusted brand both impeccably combined into one automobile. Anyone who operates a Audi knows that when it comes to maintaining their vehicle only the most superior replacement parts will do. You purchased your A6 because its sporty handling and German engineering struck a chord inside you; so why would you be okay with second rate when it comes to the highest quality auto parts? The vehicle in your driveway is head and shoulders above the rest compared to all the other cars, trucks, and SUVs in today's marketplace.
Most cars and trucks today are equipped, thankfully, with a part that cleans the hot and/or cold air from your climate control system prior to entering your car's interior. Before the 1990s, the cabin air filter was used mostly in luxury vehicles' but now your Audi A6 has one. Looking just like the intake air filter found in your car, the cabin air filter removes both particulates and odors. Since your heater blower fan is installed right on the firewall, the most ideal place for the cabin air filter in your car or truck to be located is in the back of the glove box. Audi A6 cabin air filters are inexpensive, and replacing yours should only take a few minutes of your time.
Make all your future car parts purchases at carpartsdiscount.com and save time and money on all your upcoming repairs. When your Audi requires a top quality replacement Cabin Air Filters, there's no need to waste time looking anywhere other than the authority, Car Parts Discount. Get your A6 back on the road with the highest quality repair parts from the experts at Car Parts Discount. Audi A6 Cabin Air Filters parts for 2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009, 2008, 2007, 2006, 2004, 2003, 2002, 2001, 2000, 1999, 1998, 1997, 1996, 1995 vehicles are available here... just click your year to find them.


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- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Toys, Dolls, Games & Puzzles
- Source: eBay
- Sold Date: Jan 22, 2016
- Channel: Auction House
This Buy It Now is for a one legged, 6" TALL, 1950's Plastic Spaceman! He is missing one leg but looks like a wonderful vintage space toy! He has stress cracks on both sides of his helmet over his ears. There are no chips missing. His helmet is complete. Please see pictures for condition. Please e-mail with any questions before the last day of the auction. Payment to be made within 5 days after the end of the auction. Payment by PayPal only. Will ship to lower 48 U.S. States only. Have fun and good luck.


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Hello ZAM community once again!
I'm not sure if this has been brought up before, but I think I may have figured where SE was trying to go with regards to earning skill points.
Let's refer to FFXI for awhile. In FFXI, the experience point system is such that when we level up, it affects both physical attributes (HP/MP/STR/DEX/INT/etc.) as well as enabling us to become more powerful in that job by allowing access to new and stronger spells at specific levels. EXP gains are pretty much fixed in that when we kill a mob of a certain difficulty, we will definitely be rewarded with the relevant amount of EXP.
This has not changed much in FFXIV, as physical EXP are awarded specifically based on a mob's level of difficulty. The only issue right now, is that our classes level up not based on experience point gains, but instead based on this new separate system called "skill points". At first look, it seems to be a strange new way of leveling due to the fact that we are earning one set of points to gain physical levels to improve physical attributes, and another set to gain class levels to access abilities and spells, and coupled with the random distribution of SP, it is proving to be entirely frustrating.
But is this system really that new at all? Going back to FFXI, I'm sure we can remember very well that there is a skill point system in that game as well, one that allows us to gain combat/magic/crafting skill-ups when we partake in combat or crafts. The skill point system as implemented in FFXI is also based on a random distribution of points, although one could argue that the system is more effective such that we get more skill points or at a faster rate the further away we are from cap, or when we kill tougher mobs. Yet, the system is largely similar, in that we do not always get awarded points with every swing we make, and sometimes we do not even get any skill points for one fight or craft.
That brings me to my point that perhaps, SE is not doing things very much differently in FFXIV. The only difference is that they have combined the skill point system together with our class ranks, such that we can only unlock more powerful spells and weapon skills when we have attained a certain rank, as compared to how job spells and abilities used to be tied with EXP while weapon skills to SP in FFXI. I suppose SE could make it friendlier to healers though, to allow more frequent skill ups even when we cast healing or defensive spells, taking into account how FFXI allows skill-ups for using such magic too. But I'm sure we also remember how frustrating it was to be 0.1 or 0.2 points away from unlocking some new powerful weapon skill, and when we did we felt so thrilled by that achievement? I am thus very much convinced that the same is being done here in FFXIV, only packaged differently.
Edited, Nov 18th 2010 6:26am by Raithlion


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Summer is the perfect excuse and the only time you will see men add a pop of color, in their summer shorts! They come in slightly different length sizes. If you are comfortable in short swim shorts, and are confident, you can go ahead and purchase these. However if you are not so comfortable with showing some leg while on holiday, there are slightly longer swim shorts almost up to the knees for you to wear. These are great because you can wear a t-shirt and have that casual look when you are not in the water. Short ones however help you swim faster if you are going to be swimming laps.
Cool summer swim shorts are made with light fabric that allows a cool breeze, and they do not suck in water, and you do not have to worry about losing them under water as well. The right pair is also tailored to dry quickly. There are different sizes and shapes, so besides spotting the correct swim short, you need to know which one will be the right fit for you.
You need to buy the right size of shorts. A tight fitting swim short does not look good on any man, and it is a sight for sore eyes. On the other extreme, a swim short that is baggy will make your shorts look like a parachute when you come out of the water. Both extremes should be avoided at all costs.
It is summer, so don't be too scared to add on a pop of color, but be warned about some patterns on these swim shorts. Keep it simple, and avoid contrasting colors and patterns, otherwise u will look like a clown on the beach!
Summer swim shorts are not all universal. Men out there are in different form and shape. It is not just the size that matters, but your shape. Fortunately, swim shorts are made to take into account the various shapes, and you need to buy a short that suits you. An ideal shape is the square shaped shorts as many experts advise but this is only a general guideline. Buy what suits you.
Choose the short that has an adjustable waist, even if you are sure about your size, just in case. Check www.etrendzshop.com to buy cool summer swim shorts for men, taking into account all the above.


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Shu Uemura Skin:Fit Cosmetic Water Foundation and Sponge SPF30 - #574 Light Sand (30ml/1oz)
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Shu Uemura Skin:Fit Cosmetic Water Foundation and Sponge SPF30 - #574 Light Sand (30ml/1oz)
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Kolkata /Allahabad, October 22 (ANI): Celebrations erupted in India on Tuesday as fans rejoiced after host country scored a record 320-run win against Australia to take a 1-0 lead in the four-match series. People danced on streets and played with colours in Kolkata, home to cricketer Saurav Ganguly, to celebrate India's win over the kangaroos.
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Wearing Indian tri color headbands and waving the national flag, fans danced and cheered. Meanwhile, in Allahabad, fans burst crackers to rejoice in the country's win.
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Discussion in 'Troubleshooting and Problems' started by Muziekjuh, Aug 20, 2014.
Hey there,
I have a problem. I dont have a reply button. How to fix that?
Check that it works in a default style.
If it does, disable all add-ons and check in your custom style.
If it still doesn't show, check for outdated templates.
If there are none, you will need to revert your customisations until you determine the cause.
I can see a reply button on your screenshot.
Isn't it working?
#1 Like Reply
He means the Post Reply button at the bottom right of the editor.
Ohh...That's really missing.
Separate names with a comma.


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Congress and the Nation's Environment: Energy and Natural Resources Actions of the 94th Congress
Bibliographic Citation
Washington, DC: U.S. Government Printing Office [GPO], 1977. 1692 p.
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Is Carbon Dioxide a Pollutant and Does EPA Have the Power to Regulate It? Joint Hearing Before the Subcommittee on National Economic Growth, Natural Resources, and Regulatory Affairs of the Committee on Government Reform and the Subcommittee On Energy and Environment of the Committee on Science. U.S. House of Representatives, 106th Congress, 1st Session. October 6, 1999. 192 P Unknown author (United States. Congress. House of Representatives. Committee on Government ReformCommittee on Science. Subcommittee on National Economic Growth, Natural Resources, and Regulatory AffairsSubcommittee on Energy and Environment, 2000)
New Opportunities for U.S. Universities in Development Assistance: Agriculture, Natural Resources, and Environment Food and Renewable Resources Program (Alison Hess) (United States. Congress. Office of Technology Assessment., 1991-09)


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Successful Team Management (Essential Business Psychology Series)
This text looks at the organizational psychology of teams and team management and why teams can be such positive forces in organizations. It shows how valuable effective teams can be and goes on to discuss: what different teams look like; how managers can go about building a team; and how teams can influence their own organizations. This text aims to improve the reader's awareness of how to make the most of their team, and enhance their understanding of what makes that team tick. The considerable amount of management literature showing the effectiveness of teams is reviewed, and the text includes a number of case studies as well as discussions of the psychological mechanisms which underpin the organizational process. By explaining these processes, managers will gain enough understanding of what is going on, psychologically, to be able to see for themselves why a particular course of action would be either helpful or counter-productive in effective team building.
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Tell Us Your Story for "War Of The Roses"
Do you suspect your guy/gal is cheating on you? Want to check up on someone to make sure they're doing what they SAY they're doing? Worried that someone is taking you for a ride? We're looking for stories like yours!
Use the form below to tell us about your situation and we may consider you for an upcoming "War of the Roses" on The Kane Show!
Kane is joined by co-hosts Riley, Rose, Intern John and producer Erick. The high-energy, fast-paced program features music, conversations on the latest news and hot topics, Hollywood news, contests, call-in interaction with listeners, plus interviews with the biggest celebrities in music and pop culture. The show features signature segments such as "War of the Roses," "Hollywood," "The Tea," "John's Justice," "Ghosted" and "Moron Madness."
Kane Cares! We'd love to hear about your event or organization. Use this link to send us your information!


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Children's Medical Supplies - Pediatric Medical Supplies - Pediatric Products | P6
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Alex Ookpik Montreal, Québec
Alex Ookpik is a singer, songwriter, musician, and producer from Montréal.
Her music bridges the worlds of pop and experimental music; taking in acoustic instruments, digital and analog synthesis, field recordings, and studio work -- all while remaining true to the heart of the song.
She is the former lead-singer / co-writer of the Montreal post-rock band Marlowe ('95-'05). ... more
Streaming and Download help


text: I had a 4th degree tear with my 9 pounder but that was over 9 years ago. My Dr said it's up to me if I want to deliver vaginal or C section. The risk of tearing can increase after you have already had a tear once. I would like to go for vaginal delivery but I'm terrified of having another 4th degree tear. I'm lucky everything healed up normal the first time, some women are not so lucky. Has anyone had any experience with giving birth Vaginal or C section after a tear?


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- I. noun Etymology: Middle English, from Old English — more at teat Date: before 12th century 1. teat 2. usually vulgar breast — usually used in plural II. noun Date: circa 1706 any of various small plump often long-tailed oscine birds (family Paridae) of Eurasia and Africa that are related to the chickadees and titmice III. abbreviation title
New Collegiate Dictionary. 2001.


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Jane Kenyon
No Steps - Poem by Jane Kenyon
The young bull dropped his head and stared.
Only a wispy wire—electrified—kept us
apart. That, and two long rows of asparagus.
An ancient apple tree
blossomed prodigally pink and white.
The muddy path sucked at my shoe,
but I reached the granite step, and knocked
at the rickety porch door.
Deep in the house a dog began to bark.
I had prepared my Heart Fund speech,
and the first word—When—was on my tongue.
I heard no steps—only the breeze
riffling the tender poplar leaves,
and a random, meditative moo
behind me. . . . Relieved, I turned back
to the car, passing once more
under the bull's judicial eye. . . .
Everything was intact: the canister,
still far too light and mute,
and metal boutonnières where they began—
in a zip-lock plastic sandwich bag.
Comments about No Steps by Jane Kenyon
Smoky Hoss (7/12/2017 5:21:00 PM)
No steps made toward progress of the intended pursuit, but such magnificent strides accomplished in the direction of being within the moment. Beauty personified, that is Jane Kenyon's poetry. (Report) Reply
Colleen Courtney (5/29/2014 9:02:00 PM)
Love how all of this particular poet's poems are all filled with such great imagery. (Report) Reply
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Jane Kenyon's Other Poems
Famous Poems
Phenomenal Woman
Maya Angelou
Still I Rise
Maya Angelou
The Road Not Taken
Robert Frost
If You Forget Me
Pablo Neruda
Langston Hughes
Annabel Lee
Edgar Allan Poe
Caged Bird
Maya Angelou
Rudyard Kipling
Stopping By Woods On A Snowy Evening
Robert Frost
A Dream Within A Dream
Edgar Allan Poe


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Wednesday, August 8, 2012
Ice Age: Continental Drift - Arctic Games Review
Do your kids go crazy for video games? My kids and grandkids, all love playing video games! Video games are very fun and entertaining. My husband and I have played plenty of video games with the kids and we are always looking for good clean games without violence. For this review I received the Ice Age: Continental Drift - Arctic Games for the Kinect. This is a great game for the grandkids! They had so much fun playing it! This is a very cute and funny game, I would highly recommend it!
About the Ice Age: Continental Drift - Arctic GamesIce Age: Continental Drift - Arctic Games is the video game extension of the upcoming fourth installment of the Ice Age franchise, Ice Age: Continental Drift, where gamers of all ages can use teamwork or go head-to-head as Manny, Sid, Diego and their furry friends in motion controlled competition that's fun for the whole family! Ice Age: Continental Drift – Arctic Games came out on July 10, for the Wii Nintendo, Nintendo 3DS, DS hand-held systems, and Kinect for Xbox 360 from Microsoft.
"Anticipating the summer release of the new Ice Age movie, they're taking mammoth measures to give gamers of all ages an action packed Ice Age experience that parallels the clever and inventive qualities of the franchise," said David Oxford, Executive Vice President, Activision. "It's important to give players the freedom to interact with these beloved characters in a motion-based video game for players of all ages."
When their island is set adrift in the midst of continental upheaval, Manny and the herd encounter a ragtag menagerie of seafaring pirates with a secret treasure. Having trouble deciding on how to split the treasure evenly, they collectively decide to settle the problem through a series of off-the-wall sporting events including ski jumping, ice smashing, and glacial hopping. Ultimately, the winner of the most events will be entitled to the prize. As the prehistoric games begin, players must side with Manny and the herd, or the seafaring pirates to determine the fate of the riches.
- Glacial Games: 10 epic events include Glacier Hopping, Bob-Smashing, Ski Jumping, Scrat Cannon and much more; it's classic competing with a powdering of Ice Age fun!
- Furry Friends: Join Manny, Diego, Sid and other prehistoric pals in a whole new experience. Play as new characters from the upcoming movie, including Captain Gutt and members of his pirate crew. Which side will you choose to become the winner of the icy treasure?
- Multiple Modes: With a choice between story mode, free play and tournament mode, gamers can help their favorite Ice Age characters win treasure or attempt to break new records while competing for Gold, Silver and Bronze acorns.
- Familiar Voices: Queen Latifah, Denis Leary, John Leguizamo, Peter Dinklage and Wanda Sykes make their characters come to life!
For more information on Ice Age: Continental Drift – Arctic Games please visit www.activision.com, and for more information on the feature film head over to www.IceAgeMovie.com. The game is rated "E" (Everyone) by the ESRB.
With over $4 billion in box office, home entertainment and consumer products sales, the Ice Age franchise is a perennial hit. This announcement of Ice Age: Continental Drift – Arctic Games comes during a booming time for the franchise with the fourth installment of the film series, Ice Age 4: Continental Drift, came out in theaters July 2012, in 3D. In the new movie, Scrat's nutty pursuit of the cursed acorn, which he's been after since the dawn of time, has world-changing consequences – a continental cataclysm that triggers the greatest adventure of all for Manny, Diego and Sid. In the wake of these upheavals, Sid reunites with his cantankerous Granny and the herd encounters a ragtag menagerie of seafaring pirates determined to stop them from returning home.
For more information on the feature film, please visit www.IceAgeMovie.com.
A product sample was received for review. I was not paid in any form of cash for this posting. The opinions expressed are my own and were NOT influenced in any way.
Posted by Bonny Sallee at 8/08/2012 06:20:00 PM
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Himalaya – Liv 52 Drops
Himalaya – Liv 52 Drops Description
Himalaya Liv 52 Drops Action :
Himalaya Liv 52 Drops restores the functional efficiency of the liver by protecting the hepatic parenchyma and promoting hepatocellular regeneration. The antiperoxidative activity of Himalaya Liv 52 Drops prevents the loss of functional integrity of the cell membrane, maintains cytochrome P-450, hastens the recovery period and ensures early restoration of hepatic functions in infective hepatitis.
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Happy Friday folks,
Symantec Security Response has discovered a new Trojan.
Trojan.Pasam is a Trojan horse that downloads files on to the compromised computer. Look for more information to be added to the write-up as it becomes available.
This threat may arrive on the compromised computer as a Word document that has an embedded reference to a malicious Flash file, which may exploit certain vulnerabilities, including Adobe Flash Player CVE-2012-0779 Object Type Confusion Remote Code Execution Vulnerability (CVE-2012-0779).
Adding: Trojan.Pasam!inf is a detection for files that have been modified by Trojan.Pasam.
This discussion has been inactive for over a year.
You may get a better answer to your question by starting a new discussion.


text:
DECLINE vol. 2 | 7"x7"
7" x 7" linen hardcover - standard paper - 86 pages
by M.W. LaFary
About the Book
12" x 12" linen hardcover - standard paper - 84 pages
The second volume of work to be released from M.W. LaFary's ongoing DECLINE series, the volume consists of seventy eight 35mm frames and eight recovered 4"x5" fuji instant negatives.
The work continues to document and reflect upon the phenomenon of decline through the exploration of abandoned, neglected, or otherwise disregarded spaces. This second volume includes works from twenty four sites in central and southern Indiana as well as one site in northern Kentucky.
Features & Details
- Category Fine Art Photography
Small Square, 7×7 in, 18×18 cm
86 Pages
- Publish Date Apr 08, 2013
See More


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French Montana on the Emotional Roller Coaster of Dating a Divorced Person
The "No Shopping" rapper gets real.
Rappers give the best life advice. That's why ELLE.com's new Rap Therapy series allows mere mortals to ask the rap world's brightest for help with their relationship troubles.
In this episode, French Montana helps out a woman who wants to know whether she should get involved with someone going through a divorce.
Preorder French Montana's new album, MC4, here.
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"Do for one what you wish you could do for everyone" is one of my favorite quotes from Andy Stanley, my church pastor. The message was delivered during a series on community service, but it's just as apt for the students we serve. Working with students with social communication disorders can be time-consuming and frustrating, as therapists and teachers. To watch your student fall into the same emotional minefield even after reading social stories, making visuals, implementing behavior reinforcement systems in the classroom and working on multiple sessions of practice, can be disheartening to say the least. My heart hurts for them as they are often their own worst enemy.
I had the chance to set up a social communication program for a fifth grade student who was struggling socially and academically, because they could not work with their peers at all and constantly argued with their teachers. The student could, outside of the moment, tell me exactly what he should have done or said, but just couldn't translate it into real-time. The emotionality of the situation seemed to erase all of the strategies we had been working on over the year. He was tired and frustrated, as were his teachers, peers and parents. We had a session that ended up being just he and I after a particularly difficult week. "I know what I need to do, I just can't make my brain do it. I know everyone is always mad at me. I don't want to be this way, I just don't know how to change. Are you going to kick me out of speech?"
My eyes filled with tears, but I pulled it together before reassuring him that no, of course I wouldn't kick him out of speech. I was there for him, and we would just keep working on ways for him to learn to survive (and even flourish) in a confusing social world. Did he magically become a social whiz that year? No, but he did make a friend who had lunch with him and hung out on the playground. I count that as huge success. I still get emails from his mom once in a while letting me know how he is doing.
I see more and more students struggling with the impact of social communication impairments. Our society is affected by isolating technology and unbelievable social pressure, a combination that is wreaking havoc with our kids. My heart is absolutely drawn to those who don't quite fit in and those that stand out. As SLPs, our fatal flaw is that we want to fix all of the kids we work with, every last one. It's one of our best and most frustrating qualities, but it's not realistic. What I can do is work my hardest for those I can reach, and do for one what I wish I could do for everyone.


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This review is from: Phiaton Moderna Series MS 400 3.5mm/ 6.3mm Connector Circumaural Headphone
Pros: None
Cons: None
Other Thoughts: These things sound great to my untrained ear, plenty of bass, mids and highs sound natural, all around good sound. I'm not an audiophile, but I have listened to several different sets of headphones in this price range and these sound just as good or better dpepnding on the type of music.READ FULL REVIEW