Musings - 

Social Media Consultants May Be Overrated

You don't need me

       Understanding how a consultant can really be helpful vs. just being expensive requires serious consideration.  A good Social Media Consultant can be very helpful for creating the strategies. They have the tools to help you evaluate the best channels for you and can help you with your profiles and image, not every platform will apply to your business; Facebook may be good, but Pintrest may be better. Competent consultants have the experience to help you sort through the choices.

        Many people hire someone to handle all of their social media because they feel that they are too busy to do it themselves. This someone probably calls themselves a "consultant" and says that they can do it all for you.  This is not a good idea however; they probably don't know you, your mission, or vision for your business.

      The purpose of using social media is to connect and build relationships; nobody else can do that for you. "People buy from people they know and trust"; nobody else can build that trust for you. It may be helpful to have someone lend a hand with the nuts and bolts of posting, reviewing messages for content so that you don't miss anything important, but not for creating meaningful content.  Even the biggest companies have employee-managers for their social media, but their message is directed by marketing departments.

       Meeting with your Social Media Consultant  a couple of times a year can be very helpful to keep you heading in the right direction, but beyond that it is important that you engage yourself with your social media relationships.  Your aim is to have people do business with you, not someone else speaking with your social media voice.   

Your Money-Your Life 

Debit or Credit?

       You hear this question several times a day when you are out shopping.  Why do they ask?  Doesn't sliding my card solve the problem?

       Although the transaction may seem the same to you there is one key difference. When you use your card for a debit purchase the money comes directly out of your checking account and you have no recourse if you have a problem with the purchase. The bad guys will always use your stolen card for debits because they can't be tied to the purchase; this gives them direct access to your account.

       If you use your card for a credit purchase instead, you can refuse to make the payment and dispute the charge. If the purchase was fraudulent it will be removed from your bill and you will not be held responsible.

Debit card fraud is still a possibility, but by checking you bill regularly for errors you will have a very important level of protection.

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