Is Your Mortgage Consultant the Right One For You?

Fanciful titles, wide exposure in the media and etc. Are these important factors when choosing your mortgage consultant, broker or advisor?


No need to look for an advisor with a fanciful title. However, his or her title should indicate that they are the one for the job. No use looking for a “Mortgage Underwriter” when what you need is something like a “Mortgage broker” or a “Mortgage Consultant”.


Look at how your advisor conducts himself. You do not want a consultant who keeps downplaying other firms or advisors. It is a strange behavior for a professional to have this type of conduct. Is the advisor trying to hide something about himself while shifting your focus on the inadequacies of others? I will be careful if I am dealing with these types of people.


Look, you are trying to get a housing loan for your house. What you need is a mortgage consultant to advise you on the rates. You do not want a consultant to come over to you and force down some mortgage down your throat. A good service allows you to digest the information and make a good decision. A good service does not mean that he or she makes the decision for you or tries to force some thinking into your mind. If you feel uncomfortable with his services, feel free to look for another.


This is a lot harder. How are you really going to know if your mortgage consultant is experienced a not? Are you going to look at his age, looks, or certifications? A good consultant will be one that is referred to by your friends and those around you. They would have used his or her service and must be satisfied with it before recommending to you.


Now this requires some serious thinking on your part. Are you going to choose your advisor based on his or her popularity? Are you going to choose her because she is always appearing on the television programs? In the U.S.A, there are many scammers who frequently appear on television programs. They often promise extremely high returns to those who invest in their programs and buy their products. They can range from buying into limited partnerships to learning short term trading techniques that promise “out of the sky” returns. These so called gurus have a large number of followers and fans. That makes it even harder for you to make a decision. Talk to a few people who can provide you clear and logical opinions about this.

There are many things to take note of, when choosing your mortgage advisor. Choosing the right one is certainly going to be a pleasant and financially rewarding experience for you in the long run.

Zeng Han Jun is the Business Financial Manager of Chan & Partners Consulting Group. He actively contributes articles about business and finance on a weekly basis, so as to share his knowledge with the financial consumers. He specializes in mortgage advisory and business brokering services in Singapore. He has been directly involved and plays a crucial role in marketing and sales of businesses in CPCG. He also provides advice on various kinds of mortgages and construction financing for private individuals.

A Career As an Image Consultant

In recent years, personal image has become highly topical. Firstly there were books and now TV programmes abound on the subject from Trinny and Susannah’s “What Not to Wear” to Gok Wan’s “How to Look Good Naked”. The first major book on image was however, written by Carole Jackson and published in America in 1979. With the title, “Colour Me Beautiful”.

Since then, the number of image consultants across the world has exploded and now over eighty million women have been colour analysed and styled by over 50,000 image consultants.

Image consultants in the UK are usually self-employed and will generally work from studios in their homes, although some can be found in beauty salons or hairdressers. Image training offers the opportunity to work part or full time and can be adapted to fit into any lifestyle. It is an excellent career for mums with children because you can work from home and reduce your workload during school holidays. Image training enables you to earn money whilst still being available for family life. More crucially, it offers outstanding job satisfaction as you change the lives of others.

There are several organisations that offer training for image consultants and broadly there is little to chose between them in terms of their cost. Full image training should not cost more than £3,500 and that includes training in colour analysis, style training and make-up training. Where the various organisations differ is in terms of long term support and, more importantly, the ability to market your business for you.

Your image training will usually take two to three weeks of Monday to Friday courses. This is one of the fastest ways into a new career that exists. Most courses will have between four and eight prospective image consultants. Avoid any training that is offered on a one to one basis, or as a group of just two, because you will benefit hugely from interaction within a group. Also, make sure your training includes several “live” volunteers as these will help to boost your confidence and knowledge.

Once you have completed your image training, it will be up to you to market your new business. The first six to nine months are crucial as you seek to develop and grow your image consultancy. It is during this time that the various image training organisations differ widely in terms of support and marketing. Smaller organisations and individuals who offer training cannot offer the brand awareness or marketing support of the larger organisations. If you train with an individual, you will be left with the full responsibility of marketing your business and finding clients. However, the larger image training companies offer help with promotions and, most crucially, your contact details on their websites.

You will find image consultancy a rewarding and very enjoyable career. One which is flexible to suit your personal lifestyle and one which enables you to earn money all over the world.

Professional SEO Consultants

Website optimization and search engine marketing is crucial to everyone doing business on the internet and your website can be turned into a profit making one with the services of professional SEO consultants. About 85% of qualified internet traffic is driven through search engines, and very few search engine users ever look for pages other than the first two in the search results. A query on a crawler based search engine usually brings up results based on the thousands and millions of matching web pages. The most relevant matches are usually given on the first page of the search results. Professional SEO consultants ensure a high return of investment by achieving maximum visibility for your website on major search engines such as Google, MSN and Yahoo. They analyze the web traffic and choose the most appropriate options to increase your sales.

SEO strategies are based on professional and ethical search engine optimization techniques to gain top search engine ranking for the particular business. One of the most important aspects in website optimization is the selection of appropriate keywords and writing keyword rich content. Professional SEO consultants can advise you on using the proper keywords, offer strategies for optimizing title, Meta keywords, and alt tags. Most of the professional SEO consultants provide their services at affordable prices with proven methods and techniques to significantly improve search engine standings. The major services that SEO consultants offer are, increasing your website traffic, placing the site high in search engines, and expanding the reach to the audience, and all of these services help you achieve measurable results.

Professional SEO consultants thus help a business website obtain high search engine placement. Natural SEO services offered by these professionals include research and development of keywords focusing on attracting the target customer; web content optimization; writing Meta tags; submission of your website to all major search engines, development and implementation of high quality linking strategies, and generation of ranking reports. Since popular search engines frequently update their algorithms, professional SEO consultants will always look for better techniques that ensure your website guaranteed results. With the help of efficient web optimizers you can use internet marketing strategies and designs to increase your web traffic and thereby increase your online visibility and business.

Productivity Consultant – Unsung Hero?

Say the word “productivity” loudly in a group, and watch the reaction. We’re betting that you’ll see more frowns, raised eyebrows and grimaces than enthusiastic responses. And why not? Improved productivity is perceived as something that benefits the organization but not the people who made it happen in the first place. Only pain, no gain! Which means being a productivity consultant can be quite a daunting proposition.

The concept of productivity improvement has been around as long as we can remember. No one denies its importance, and yet, it’s hard to find a group that will take to it with gusto. Much like a nasty vitamin pill, really. What makes it harder to swallow is the fact that increasingly, employees are being judged not only on their technical expertise but also their productivity.

A productivity consultant is an expert whose aim is to improve, you guessed it, the productivity of resources, be it manpower, money, time or space Ask one of them for an opinion, and they’ll tell you that productivity is a way of working smart, by doing more with less. Also, it’s not just a question of quantity; a productive resource is one that creates quality, first and foremost. For example, the folks at Hemphill Productivity Institute recently introduced the Paper Tiger Productivity Solution(TM) Program or and guarantee that it produces great results. Ahhhh, a positive outlook, finally!

In a case of the baby being thrown out with the bathwater, a productivity consultant usually invokes the same reaction as any thought of productivity does. The reasons for this are many. First of all, the whole concept of productivity improvement might be viewed with suspicion by the concerned supervisors and managers. A natural reaction is to think that the entire exercise is contrived to monitor their performance and see if it is up to scratch. In turn, the productivity consultant is seen as a “mole”, someone who has been sent to report any productivity shortcomings to senior management. While this could be true on occasion, more often the fears are unfounded.

Then there are the quality evangelists, who believe that any improvement in productivity must come at the expense of quality. The productivity consultant is therefore seen as a hard taskmaster, heartlessly urging the workers to produce more and more and more….
There may also be some opposition to cost control measures such as reduction in budgets or headcount, as these people would feel that such measures prevent them from delivering to the highest standards.

A productivity consultant may also be seen as a direct threat, someone who thinks he knows the job better. He is therefore an unwelcome intruder on “proprietary” territory. And finally, the most difficult obstacle to overcome is that of past experience. If the supervisor or manager has gone through a similar exercise in the past which resulted in unfortunate developments, he will never trust a productivity consultant within a mile!

Hence, any productivity improvement exercise must be well planned and better executed. Common pitfalls are to use it as a tool for reducing staff or evaluating individual performance. It is absolutely essential that any case of low productivity be examined for the root cause, and tackled at that level. Merely sacking “inefficient” staff is the same as treating a symptom and leaving the problem uncured. Another faulty approach to productivity is to treat it as a passing fad. An inconsistent, blow hot, blow cold attitude will only serve to disillusion and de-motivate the team. Choosing a capable productivity consultant who can deliver the goods, is therefore of vital importance.

Find a Qualified Boston IT Consultant

There was a time that Boston’s location was significant, and is in fact what has made it a major center of commerce for some three centuries. However, with the advent of the Internet Age, a major commerce center can be virtually anywhere on the globe. This means that Information Technology, or IT, is the most important component of a business operation. If you own and operate a business in the Boston metro area, it’s a could idea to look into what Boston IT consultants can do to improve your company’s IT capabilities.


When you call on a Boston IT consultant, the first thing s/he will do is perform an audit of your company’s IT infrastructure, targeting any weaknesses that could potentially compromise your systems and the data stored in them. At this point, you will want to explain some of your business’ short and long-term goals, IT budgeting and hardware and software needs. Your Boston IT consultant can help to point out ways in which your computer and data-storage systems could be streamlined and made faster as well as more economical.

The Right Stuff

Computer and data storage hardware becomes obsolete very quickly, and it seems as if software must be updated and upgraded constantly. The good news is that much of this ban be upgraded at relatively modest costs. Those who are not very tech savvy often wind up spending a great deal of computer equipment that is not really needed, and ultimately, does not serve the business purposes for which it was purchased. On of the jobs of the qualified Boston IT consultant is to assist you in making wise, effective and economical hardware and software choices so you wind up purchasing only that which you really need in order to run the business.


Because of the complexity of today’s IT systems, many business owners call upon IT consultants to help integrate these systems into the offices, support apparatus and employee workstations. This is not only to insure a smooth workflow and transfer of data, but also to insure that such an investment is being used properly by all parties concerned.


Hackers, spyware, viruses, data loss – these are all big concerns for any business owner or manager today. A Boston IT consultant can help to pinpoint any vulnerabilities and come up with the most effective solutions. These may include a firewall, anti-virus, password and encryption protection and more. Boston IT consultants know how to provide the maximum amount of protection for your data at the lowest cost for your business needs.

Why is the Consulting Industry Going Digital?

Consulting is the practice of offering professional expertise or advice to help other firms, organizations, and persons better their application of specific objectives.

A consultant examines existing difficulties in a plan and proposes better alternatives by combining specialist knowledge and skills from several fields. Expert opinions and consultations have long been in high demand across a wide range of fields. Enterprises have been engaging consulting companies to receive external counsel or specialized knowledge in a variety of areas,Guest Posting including product development, operations, finance, marketing, human resource management, and the adoption of certain tools and technology, for example. General Consulting Marketplaces bring together consultants and services from a variety of industries. Not every consultant has their area of expertise. Some people create consulting markets where they hire other specialists to provide services to the marketplace’s customers.

Why is the Consulting Industry Going Digital?

Launching an internet consultation business is easier than starting a traditional consulting firm. It is feasible to establish an online consulting business on the move using basic tools and software solutions. The following tools can provide you with several advantages:

• Live online communication: Any consulting service’s key driver is effective communication. By launching an online consulting service, you get access to contemporary communication channels that allow you and your customer to maintain a constant relationship.

• Effective time management: Regardless of how legitimate the justifications are, no consultation company can succeed without both sides’ full dedication, which necessitates more effective time management, which is typically simple when using an online consultation platform. Calendar and event management solutions that are integrated can track, manage, and send an email, push alerts, and SMS reminders to the appropriate parties regarding planned appointments. It guarantees that no one misses the online meetings, which can be accessed from any location at any time.

• Streamlined payment process: Whether you offer traditional or online consultations, you must charge your clients for the service. Clients may postpone payments or just refuse to pay after the consultation, which is a more chronic issue with any firm. That’s where an online consultation platform may help you place your services behind a paywall and build a solid workflow with a simple payment method. An online platform can handle everything from advance payments to automated invoicing, business payment plans, online payment processing, and balance payment reminders without the need for personal involvement.

• Consolidated client management: Any consulting firm must have a thorough understanding of its clients. You may expect to receive more clients from all around the world if you offer online consulting. As a result, you’ll need a centralized data gathering and client management system to have a better understanding of your customers.

• Easy accounting: Every firm, regardless of its type, must pay taxes. It becomes easier to maintain your accounting and taxes when your organization is simplified and transactions and invoices are processed digitally. Within any time range, the online consultation software can track and manage transactions as well as provide a complete audit of profits and payables. Furthermore, other accounting and tax administration applications may be integrated for more comprehensive data collecting and accounting.

Consulting Marketplace: What Makes It So Popular to Businesses and Professionals

Keep reading the article to explore what makes businesses and professionals attracted to consulting marketplace.

For more than decades,Guest Posting high-profile consulting firms had literally dominated the global consultancy industry. Mainly the corporate class companies had access to them while SMEs used to depend on average class consultants or solve their problems by themselves. But the scenario is changing as consultants who once worked for these big consultancies now comprehend the advantage of working as independent consultants (freelancers) in consulting marketplace rather than being employed under any specific banner.

Thankfully, this has uncovered a new sphere to small and medium enterprises that could hardly have access to top-class experts years ago can now hire a specialized one from the consultant marketplace. Having expert advice onboard from top-class consultants has never been so easily accessible to businesses without having to spend money and time like anything to reach a problem-solver.

Why Do Businesses Prefer Online Consulting Marketplace?

To deal with different sorts of challenges that businesses come across on the way or associated with their project management areas – hiring management consultants with specialized knowledge has been integral to keep going and expand. Having an external perspective from consultants who are seasoned in their specialty area – be it related to IT, HR development, financial management, or tax matters comes in handy to stumble upon the related issues.

• However, as you go through the traditional route, you are more likely to spend a plethora of time, energy, as well as money while interrupting your business activities to choose a stranger whom you are not well aware of. This needs you to go through a long process to determine the expertise level and uprightness of the professional.

• In addition to this, big consultancy groups typically allocate you an expert who is available, and obviously there you cannot make any choice. Although, nothing is wrong with the way they work, however, the foremost reason why the consulting marketplace is gaining higher popularity to businesses is that simply by sharing your necessity, project type, and budget online, they make the right match and provide you a list of consultants for your assistance.

• Remarkably, almost all these consultants associated with them have a proven track record and worked for large-scale consultancy groups. This makes your process of choosing your consultant, seamless, productive, and time-saving. Equally, the administrative jobs regarding the agreement, documentation, and payment-related processes are handled by these platforms.

Why Do Expert Consultants Prefer Online Consultancy Marketplace

With the impressive growth rate and greater than ever demand of professional consultants, markedly, high-profile consultants working under big consultancy firms now prefer to work as independent freelance consultants.

• Meanwhile, the emergence of consulting marketplace has been a godsend opportunity for them to build their brand image much faster and easier in the global marketplace. This offers a different class of gratification that you simply cannot expect while working for any big consultancy firm.

• Conversely, when you go alone, gaining speedy recognition as a consultant in this high-competitive marketplace is not so easy and likely to take even a few years. And for this, you need to spend lots of money for having a digital presence, obtain SEO services for rank building, and promote yourself during to interviewing process to potential customers, which is typically a long way to take off.

• Most tempting is that professionals like you are most welcome to consulting marketplace and just by sharing your portfolio details you can sign up to these platforms and can get connected to valued clients almost instantly. In essence, the online consultancy marketplace has opened an unprecedented opportunity to consultants like you to promote your consulting brand, devote you entirely to consultancy while they shoulder all administrative work related to your consultancy services with your clients.

The importance of the word Custom in Custom Printed Candle Boxes

How to make your brand familiar using Custom Printed Candle Boxes easy tips? Keep on reading and find out more!

Get your Custom Printed Candle Boxes on the Top with Easy Design

Candles have been an essential part of our lives for a long time. No sad or happy occasion is complete without candles. Similarly,Guest Posting Custom Candle Boxes Hold great importance as well. Without satisfactory quality, your customer will not be interested in your candles. That is why customers are more reliant on branded candles, and for that, you have to build a name for yourself and create trust between you and your customers. It is the packaging that ropes the customer towards your product. It not only affects the customer but your brand as well. So make sure that these Custom Printed Candle Boxes can be used for different purposes and reduce the adverse effects on the marketing business and our environment. That is why there is such importance in the candle package manufacturing and selling business.

Why should you Invest in Custom Printed Candle Boxes?

It is widely known that packaging has the most significant impact on the candle business for so many reasons. Those many reasons include being cost-effective for all the printing and packaging choices for your candles. Now you can get many packaging companies and suppliers that supply Candle packaging wholesale. They offer a large variety of candle packages that are light on the pocket and don’t require very much labor at all. It is also a plus point in buying wholesale candle packages because they don’t take so many resources. The candle packaging is all already made with kraft and cardboard materials that don’t cost much. It allows all the new business owners to have a chance to save money and reinvesting them in making their brands popular. If you choose the wholesale sale packaging for your candles, you are making a logical and good choice for your business without compromising the quality of your packages. No doubt this decision will bring you more success and outstanding results in sales and profit.

How is Candle Packaging Wholesale the Backbone of your Brand?

The primary purpose of the candle packages is to divert the customer’s attention towards your brand. That is why you need to make them craftier and inspiring according to the tastes and expectations of the customers. You can use modernized printing and designing techniques that will set your whole packaging game apart from all the rest. With the help of ideally modified tools such as offset and digital, you can turn your imaginations into reality. It is where customization plays an important role. It grants you the ability to mold the Candle packaging boxes style, size, shape, and so much more according to your brand identity. Make sure that your packages reflect your brand identity. You can use convincing graphics, colors, and prints visually pleasing to the customer’s eyes. That is why the Candle gift box is considered the backbone of making your brand identifiable in the business industry. All of this helps you make a name for your brands in the sea full of other fishes.

Don’t Miss the Technical Points!

Other customization factors include technical decisions that you need to make sure are up to mark, like what color combinations to select because you need catchy colors to grab your customers’ attention. They need to look elegant and vibrant as well. Ensure that the weight of the package is not too light that it can’t carry the product’s weight or too heavy for the customer to get uncomfortable holding it. The size should perfectly coincide with the product. It won’t do if your candles are roaming about in the package that is too big for it. It always helps to print helpful information on the boxes. Such as your brand mission, precaution the customers need to adhere to regarding the candle, and, most importantly, ingredients and information about the candle.

Indusind details like what type of a candle it is, is it a scented candle or a gift candle? Or what scent does it have? Making our segway to the ingredients, they help the customers decide if they want the candle. They would like to know what type of wax you used in manufacturing these candles or if it has natural ingredients or not. Lastly, you can [print your company address, email, and contact number in case of inquiries. It makes your brand more accessible and seem friendlier.

Create a Unique look for Candle Packaging boxes

Offer your customer a different and striking look for your brand. Like we said before, you have to embody your brand personality in your candle packages. Customization is the way to do it. Using the latest printing techniques and machines that make your logos and brand names come to life, you can make your brand inspiring and distinct from all the rest of the brands. Use themes, logos, brand name, and taglines or catchphrases synonymous with your brand. These are some of the most straightforward ways to create a different look for your brand. That is what packages play an important role in marketing your brand. It helps in building brand familiarity that increases revenue and sales profit.

Go home or go Green!

Make sure your Eco-friendly candle boxes consist of kraft, corrugated cardboard material that is eco-friendly and does not add to the pollution in our environment. Moreover, they are 100 % biodegradable and hence can be recycled quite easily as well. Therefore, The Innovative Packaging helps your customer make better eco-friendly choices to help our world get cleaner and greener.

Custom Candy Displays Boxes

A custom candy display box is an inexpensive way for you to promote your candy business, get noticed and draw in new customers. These custom candy display boxes are not cheap because of the amount of time and effort that goes into designing and printing them, but they will add beauty and value to your shop, bringing in more customers. They’re an affordable way for you to show your customers that you care about them. With the right design, color and packaging, you can sell your candy without breaking the bank.

Custom Candy Display Boxes

Your custom candy display boxes can be a great addition to your candy shop. In addition to having a high quality product,Guest Posting they will also provide customers with a place to display their candy while they wait. This will allow customers to view and sample your products while waiting. Some people even choose to place their candy in the boxes for added decoration. It is also a great way for you to advertise and spread the word about your business.

These custom candy display boxes are perfect for any candy shop. There are many different designs to choose from, so no matter what type of candy you sell, you can find the perfect design to suit your store. You can use bright colors, such as red, yellow and green, or you can go with more subdued colors like cream. Think about how the candy will look when it is fully opened to give you an idea of how you want the box to look.

Get Candy Box in UK Free Shipping

USA based custom candy display boxes are available through a number of companies. Many of them will allow you to order your custom candy display boxes online, while others will have a local address and can be shipped directly to your office. Either way, these boxes are shipped to you fresh and ready to be used. There are some companies that specialize in these boxes only, while others will produce them for other businesses that order them. Know what you need before ordering your custom candy boxes so you do not spend an unnecessary amount for something that is not going to satisfy you.

When you are ordering custom candy display boxes, it is important to know exactly what you want. Is it going to be plain boxes stacked on top of one another? Will each display unit to be different colors or shapes? Is there a specific shape or design that you are looking for? Once you have an idea of the look you want, you can begin to look at the options that are available.

The materials that are used to make these custom display cases can vary. Most candy shops and distributors will use cardboard and wire, but there are other companies that produce their own custom candy boxes. This all depends on your budget and what you want the boxes to contain. There are display units that are made out of a clear plastic laminate, which has been decorated with ribbons or laces, and there are also those that are made from a hard plastic, sometimes called vinyl, that has a frosted finish.

Custom candy Display Units

When you are considering custom candy display units, you should consider the safety features that the company offers. Some offer tempered glass that is break resistant, but it is possible that this glass could break if enough pressure is placed on it. You should also look into whether or not they offer a manufacturer’s warranty for their products. Some companies will provide their customers with a manufacturer’s spares kit. Some people are happy to buy their items from a company that does not offer a manufacturer’s warranty. This way if there is a defect, they will fix it for you free of charge.

The price of some of the custom candy display boxes that you order will vary greatly depending on what you are ordering, what they are made of, and what type of design you choose for them. Custom candy boxes are great gifts for birthdays, weddings, anniversaries, and other special occasions. They are also nice for giving out as gifts to family members or business clients. If you have never ordered custom candy boxes, you should consider doing so, as they are usually quite decorative and are much better than typical candy bars or bags.

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The corporate world has changed to adopt a remote or hybrid work culture. Modern collaboration tools have been the major aid in it.

3 Things to achieve with Modern Collaboration Tools to empower your Hybrid workforce

A modern Digital Workplace solution can go beyond just supporting your core business processes to create successful means for many professional emergencies that your Hybrid workforce may face.

Here’s our list of conveniences that a set of efficiently utilized modern collaboration tools can help you achieve:

#1 Great Employee Onboarding to Retain New Talents

Employee Onboarding Apps can be used individually or can be integrated into your SharePoint intranet. It lets you make a good first impression in front of your new hires.

New employees bring fresh perspectives and ideas from previous experiences. Utilizing their expertise and helping them adopted your company culture plays a long-term role in enhancing their loyalty and efficiency. They may bring in new approaches to business challenges right away and utilize new opportunities for business expansion.

Creating online content and communities within the intranet, specifically for new starters in a hybrid workplace helps them to understand the organization and connect with individuals who can support them. By encouraging them to collaborate using a digital workplace solution right away, they’ll be able to contribute ideas and make an impact.

Adopting an Efficient Employee Onboarding Process

#2 A Digital Workplace Solution to set Everything Right

Simply having collaboration apps and tools like Slack, Microsoft Teams,Guest Posting etc. in place isn’t enough. A digital workplace that functions optimally – and creates an efficient employee engagement experience – is one of the most important to consider.

A modern intranet can provide you a virtual alternative to your canteen catchups, chat rooms, an information center and much more. It makes it easy for employees to connect, collaborate and communicate, be it in-office or remote, alike.

Document management holds a vital part in the workplace as well. While unexpected absences are inevitable in the current scenario, we need to make sure that the disruption due to it can be minimized efficiently. A properly structured knowledge base can save a lot of time and effort that would have otherwise gone into locating a document in need.

Plan out your Workforce going Hybrid

#3 Satisfy Client Expectations going Hybrid as well

With the rise of hybrid culture, it’s not only employee expectations that have fundamentally changed. Hybrid culture holds importance to the change in customer perspective as well. Customers now want to enjoy both the conveniences- partially remote interactions that can save up a lot of time and the in-person experiences as well that they have missed during the last year. Bringing it all within operational constraints isn’t easy but might turn out to be a fantastic opportunity for every business to get this right.