Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over 35 years of diverse financial management experience. He is an expert on personal finance, corporate finance ...

At this point you must decide which and how many segments to target. To begin, consider various possible “coverage patterns.” These patterns are simply the ways a firm might choose and ultimately ...

In marketing, we first focus on the benefits that customer desire (since this is what really motivates purchase decisions), and later, as a tactical issue, we focus on the product or service ...