Many people find themselves struggling with debt every year. Hundreds of people are bankrupted each day. Even as you read this article, someone is being made insolvent.

Understanding money no longer means understanding the currency itself, since actual physical money is now less than one tenth of all currency. ‘Money’ is now credit cards, travellers’ cheques, shares and electronic funds transfers, all of which require proficient knowledge of today’s complex financial world.

Debt is a scary place to be. Everyday our mailboxes are flooded with advertisements, catalogues, and “pre-approved” credit card offers hoping to deplete our savings and draw us deeper into debt. It can

be emotionally as well as financially threatening, putting a strain on families and relationships which in turn can potentially increase the chain of financial difficulties.

It was told that you should never try and name your own company yourself. You cannot be objective enough to come up with the perfect company name. I thought about this, and decided to look into it further. It seemed ludicrous to me that a stranger could have a better feel about your eventual company name than you could.

I accept that they would have more experience in this field, but your company is ‘your baby’ and most probably was formed from ‘gut instinct’. I say use that `gut instinct’ and have a shot at naming your own company yourself. It’s FREE, and all it will cost you is a bit of time.

A lot of advertising nowadays are highly ineffective. This is sometimes the result of clients changing ad agencies too frequently and too on. If we can encourage you to continue your existing agency relationship, we may help improve the level of your advertising a tiny bit and eliminate some of the frustrations you’re about to endure.

If you still decide to make a change, we’ve identified some of the important questions you should consider as you begin the process. It’s also important to remember that advertising strategies vary significantly from financial sites such as Forbes and Business Weekly to retailers such as Gap, Amazon, and Macy’s. Determining the strategy and evaluating the questions below, may create more effective advertising for you

HOW BADLY DO YOU REALLY WANT TO MAKE A CHANGE?

Changing agencies often results in a significant waste of your most valuable resources: time, money and the ability to focus on the right issues.