掌握數據就掌握世界
2home.co 楊惟雯
當今全球前幾大市值企業蘋果、Alphabet、微軟、臉書、亞馬遜、特斯拉全部都是坐擁龐大數據資料的科技公司。
《經濟學人(The Economist)》2017年5月指出，世界上最寶貴的資源不再是石油、而是數據。
而當全球最寶貴資源不再是石油，是否主宰數據＝主導世界？
一、大數據時代的到來
眾所周知，互聯網時代下的大數據具有豐富性、即時性、自發性等一系列特點，時時刻刻在觸及我們生活的味蕾。所以，大數據時代的到來，對我們的生活、工作發生了重大的衝擊。
例如，在大數據時代下，市場行銷將發生以下質變？
大數據概念的出現，不僅標誌著資訊時代的革命，同時也推動著市場行銷向專業化、數據化、精準化方向發展。
1、對使用者行為和特徵分析
大數據時代下催生了眾多數位化特徵，那麼，何為數位化特徵？亦即使用者的消費行為和特徵都可以通過數位來量化，可以更清楚的瞭解目標受眾的使用者需求。
2、採精準化行銷
使用者的每一次購買行為在經過數字量化後，公司或企業可以在這些量化的數位基礎上，將行銷資訊進行精確推送，保證目標受眾的精準化。
3、利用大數據對消費者投其所好
每一次的數據收集都代表著使用者行為的精準分析，而分析是為了更好的將行銷活動投其所好。
過去的行銷猶如亂槍打鳥，散發出去的廣告、內容訊息或推薦商品，無法精準地掌握客戶，但透過大數據的力量，分析用戶過去瀏覽過的紀錄、搜尋過的商品，在推出個人化推薦功能之後，透過App推播個人化的訊息，將相關的特價商品或新上架同類型品項推薦給用戶，加深消費者的購物體驗，大大提升了快速交易的機率。
此外，推播時機也可以透過大數據，了解消費者使用的社群工具或App的時間，再鎖定推播時機，讓訊息能夠更即時有效地傳遞到消費者眼前，增加行銷威力。此不僅革新了行銷觀念，大數據也催生了眾多不可思議的行銷案例。
例如在大數據的分析下，阿里雲知道誰要貸款，每天海量的交易和資料在阿里的平臺上跑著，阿里通過對商戶最近100天的資料分析，就能知道哪些商戶可能存在資金問題，此時的阿里貸款平臺就有可能主動出擊，同潛在的貸款對象進行溝通。
又如，大數據應用也存在我們生活的各個角落。
美國的Target百貨公司上線了一套客戶分析工具，可以對顧客的購買記錄進行分析，並向顧客進行產品推薦。根據一個女孩在Target連鎖店中的購物記錄，推斷出這個女孩懷孕，然後開始通過購物手冊的形式向女孩推薦一系列孕婦產品，這是大資料應用化的一個有力佐證。
大數據已然顛覆了市場行銷，基於資料分析的使用者行為研究不僅可以提供行銷決策的依據，而且還將會為後續的行銷提供服務體驗改進。簡而言之：大數據分析能夠在冗繁的資訊中洞察消費者的個性化需求。所以，主宰數據＝主導世界。
二、大數據戰爭的案例
2017年5月22日，申通、圓通、中通、韻達的4位董事長共同出席了全球智慧物流峰會。雖然貴為大陸鼎鼎有名的巨頭級人物，但這4位都是在台下坐著聽講，而給他們“講課”的是馬雲。
馬雲說：“我告訴大家，一天10億個包裹，不會超過8年，估計在六、七年左右就能實現。”但是，馬雲毫不留情地批評到，目前他還沒在國內看到哪家公司，在眼光、格局、組織、人才、技術各方面做好了準備，迎接10億包裹時代的到來。
馬雲在演講中稱：
今天的物流公司，給人的感覺是土不啦嘰的公司。如果不在技術上投入，是不會有出息的。如果你的快遞公司，今天還是靠七大姑、八大姨，還是靠親戚，純粹靠家族企業，是沒辦法支撐起來的;快遞公司引進了不少人才，但沒有看到大家為未來儲備優秀的人才，這個速度遠遠不夠，並且還是有點失望。很多公司已經上市，更多物流公司在排隊上市，但沒有發現上市後跟沒上市有多大的區別，錢花不對就是傻子。
此外，馬雲還直截了當地向物流大佬們表示，不管你們同不同意，這裡至少一半的人，十年以後都不會在這裡了，這就是殘酷的未來。
1、順豐和菜鳥互嗆羅生門，快遞業巨震
2017年6月的第一天，大陸最大的物流公司順豐與最大的電商阿里撕破了臉。阿里旗下菜鳥網路與順豐相繼發出聲明，互指對方關閉物流數據介面。菜鳥指責順豐不配合數據安全合作，順豐指責菜鳥想調用豐巢（順豐控股公司）超過使用範圍的資訊。
事件羅生門：菜鳥、順豐雙方各執一詞。
菜鳥率先發佈聲明稱，5月31日晚上6點，菜鳥接到順豐發出的資料介面暫停告知。6月1日凌晨，順豐就關閉了自提櫃的數據資訊回傳。6月1日中午，順豐又進一步關閉了整個淘寶平臺物流資訊的回傳。
這導致了部分商家和消費者的資訊混亂，商家無法確定買家是否已經收貨，買家也不能跟蹤商品的即時資訊。
另外，菜鳥稱，為保護消費者隱私、電話資訊安全，菜鳥根據安全團隊的建議正在對全網物流資料進行資訊安全升級。將加強對海淘、快遞櫃等物流資料的多重交叉驗證，但順豐及豐巢等出於各種原因並不配合。有媒體稱，此次菜鳥之所以要對物流資料進行安全升級，其中有很大一部分原因是因為前段時間流出的一段視頻。視頻中，順豐以及“四通一達”快遞代收點公開提供“異地上線“服務，説明國內廠商虛構海外發貨的物流資訊，使假貨搖身變成海外代購的正品。
但是，順豐對這一事件給出了另一個版本的解釋：不是順豐關閉菜鳥資料介面，而是阿里系平臺封殺了順豐。
順豐表示，旗下的豐巢在2016年跟菜鳥開始合作。內容包括：菜鳥提供消費者手機號資訊給豐巢。豐巢回饋相關快遞櫃物流資訊給菜鳥。
但在2017年3～4月續約的過程中，菜鳥提出：所有快遞櫃資訊的觸發必須通過菜鳥裹裹，取件碼資訊無條件給到菜鳥，豐巢需要返回所有包裹資訊給菜鳥（包括非淘系訂單）。豐巢難以接受以上合作條款。
順豐每天在豐巢的訂單大概有300多萬個，其中只有100多萬是可以匹配到菜鳥的，其他的均與菜鳥無關。現在菜鳥想要剩下的這些物流資訊，順豐自然不同意。順豐表示“將繼續捍衛自身核心競爭力，希望所有快遞行業同仁警惕菜鳥染指快遞公司核心數據行為。”
另外，順豐還指出，菜鳥有針對性封殺豐巢背後實質是阿里方面以資訊安全為由，要求順豐、豐巢等從騰訊雲切換至阿里雲。
2、電商業與快遞業背後的大數據戰爭
馬雲曾多次表示，未來最大的能源是數據，此次菜鳥、順豐雙方爭論的焦點正是數據。
目前大陸的快遞市場競爭激烈，幾家大公司大致可以分為3個陣營：順豐、京東物流和菜鳥網路。
其中，京東的模式是“自己玩”。是一個以服務京東商城上的入駐商家的物流配送和倉儲體系，等於是形成一個購物、倉配、快遞和售後的閉環體驗。
相比之下，菜鳥的理念就是“一起玩”。菜鳥憑藉淘寶、天貓的電商平臺，吸引了很多家快遞公司合作。成立於2013年5月的菜鳥網路是由阿里巴巴集團與順豐集團、三通一達（申通、圓通、中通、韻達）等共同組建，不過順豐與三通一達僅各出資5000萬，分別占股1%。
所以，菜鳥其實就是一個整合平臺，整合多個快遞公司的資源，形成一個物流數據平臺。目的一方面是為阿里電商平臺提供更為優化的物流配送服務體驗，其實也是阿里電商產業鏈中的一環。
菜鳥的最大優勢就是通過同盟軍的方式來快速完成覆蓋，成本極低，靈活性大。但同時，由於“入夥”的快遞公司只是一個相對鬆散的聯盟，這幾家公司的大部分利潤都是被菜鳥物流給吸走，因此菜鳥在管控能力上，則弱了許多。但這些加入菜鳥聯盟的快遞也都被“套牢”了，現在已經沒有能力離開了。因為被踢走，50%的業務就沒有了。所以你的命根子已被抓在手裡。
但是，其中只有一個例外，那就是順豐。雖然順豐和菜鳥有合作，但同時又在搭建自己的快遞體系。
梳理歷史資訊可發現，兩家巨頭雖然表面“親密”，實際積怨已久，在解決“最後一公里”難題、全球化佈局中雙方漸行漸遠。
其實早在2013年12月，中通、申通、圓通和韻達就聯合成立了蜂網投資有限公司，每家各出資5000萬元人民幣，分別占股25％。2014年順豐也加入了蜂網，同樣出資5000萬元。董事長由圓通速遞董事長喻渭蛟擔任；董事由申通快遞董事長陳德軍、韻達快遞董事長聶騰雲、中通快遞董事長賴海松組成。
當時，菜鳥主要是針對普通消費者，而蜂網則是將快遞企業聯合起來，形成規模效應，集中採購車輛、設備等，以降低運營成本。因為“三通一達”在業務上存在競爭關係，但在採購設備等方面並不存在競爭，聯合後可以大幅度降低成本，同時方便供應商為快遞企業提供定制化服務。
2015年5月，順豐聯手中通、申通、韻達和普洛斯一起投資5億成立“豐巢科技”來和菜鳥展開直接競爭。
豐巢的商業模式，是由豐巢科技與合作夥伴共同投資建設豐巢快遞櫃，是為物業公司、社區業主及快遞公司、行業用戶、電商企業打造的智慧快遞管理終端。使用者通過短信密碼、二維碼取件，系統還能提供寄件功能。此外，公司還通過廣告、快遞業務分成、電商使用傭金等來實現盈利。
據京東方面透露，豐巢的智慧自提櫃對京東最後一公里配送服務是一個有效的補充，這種快捷、方便的24小時無人自助式收貨服務很受社區和校園用戶歡迎。
此外，順豐還在海外擴張合作，就在2017年5月26日，順豐宣佈與UPS戰略合作，在香港成立獨立合資公司，中國國內市場+全球國際市場的全面合作，聚焦跨境貿易、拓展全球市場。此合資公司註冊資本500萬美元，雙方共同投資1000萬美元，分別持股50%。
本次所設合資企業將經營推廣和開發聯合品牌的國際快遞服務，助力順豐和UPS提供更具競爭力的國際貿易物流產品，聚焦B2B和B2C客戶的跨境貿易，拓展全球市場。而選擇與UPS成立獨資公司，順豐顯然在全球物流佈局上欲與阿里巴巴拉開差距。這一次，馬雲落後了。
可見，除了京東將銷售、倉儲、物流整合為一體之外，順豐、“三通一達”和菜鳥都在想辦法與其他快遞公司合作。那麼，它們在競爭中合作，又通過不同模式競爭，但最終的目的是什麼呢？
這個答案或許馬雲在5月22日的“2017全球智慧物流峰會”上已經說了。他說，未來物流背後的支撐是資料流程，真正的物流一定是數據的溝通，一定是數據化的物流。
最後，6月2日晚，國家郵政局召集菜鳥網路和順豐速運高層到北京，就雙方關閉互通數據介面問題進行協調。雙方表示將從講政治顧大局的高度出發，積極尋求解決問題的最大公約數，共同維護市場秩序和消費者合法權益，並同意從6月3日12時起，全面恢復業務合作和數據傳輸。但相信這場戰役，只是剛開始……
對於大陸其它快遞公司而言，目前將面臨很難抉擇的難題：
與順豐合作，有數據洩露風險；而依賴阿里的菜鳥，命根子被抓在手裡，大部分利潤會被菜鳥吸走。
順豐與菜鳥翻臉是為了保護了自家數據，同樣的，中通、圓通、申通、韻達（“三通一達”）與順豐的合作中，也在顧忌自身資料的安全。
作為豐巢的發起者，順豐允許所有快遞公司使用豐巢自提櫃系統，對於“三通一達”等快遞公司而言，使用豐巢便存在著將客戶資訊洩露給順豐的潛在風險，這些業界人士們也都彼此心懷猜忌。
但如果說與順豐合作有洩露數據的風險，過度依賴阿里也是危險之舉，說得難聽點，這幾家公司的大部分利潤都是被菜鳥物流給吸走。如今，隨著行業規模逐漸擴大以及競爭愈發激烈，快遞行業毛利率正在持續下滑。中金公司資料顯示，快遞行業毛利率已從2007年約30%的水準，下滑至目前5%至10%的水準，快遞件均收入從2005年的27.7元/件降至2015年的13元左右。
總之，有業內預言，這事件將迫使快遞公司再次進行整合，是選擇和同行業的順豐形成商業聯盟，還是和產業鏈上端的電商平臺組成戰隊？
選擇的結果，或將大幅改變整個大陸快遞業的格局。
三、主宰數據＝主導世界？
上世紀七○年代，當時金融市場有句名言就是：誰能控制石油，就能控制經濟。如果把這句話放到現在的時空環境，誰能掌控大數據，就能掌控全球。
誠如阿里巴巴創辦人馬雲說過，未來最大能源不是石油，而是大數據。未來的世界中，能掌握大數據的人就能控制全球；大數據指標企業普遍享有較高本益比。
而未來生活中，誰能掌控大數據，不僅能控制經濟，還能威脅到各國的國家安全。這句沒有誇張而是現實環境的演變。
2016年，川普團隊靠著數據分析，找到關鍵拉票對象，最終贏得大選，即是以上觀點的最佳實例。
掌握、分析並使用大數據的方式，如果只單純用在娛樂上，則有利人類生活；但如果被網軍用在大量製作和發送假新聞就能誤導人民價值選擇，就可能危害社會安定，對社會殺傷力不可小覷。因為掌握、分析並使用大數據的方式，可決定大數據如何影響人民價值選擇。
2020年抖音（TikTok）在美國，被其政府以國家安全的理由，被迫要將美國業務賣給美國企業，否則就要在美國市場下架。
抖音目前是全球最大咖的獨角獸，之前微軟和Wal-Mart想要聯手收購抖音的美國業務就開價約1760億美元，最後在大陸政府宣布演算法不能賣的前提下破局。
試想，抖音每天都有上百萬個視訊影片上傳，透過這樣的方式直接收集大量用戶的行為，抖音最有價值的地方除了這類大數據外，他們發展出來的演算法能分析數據的行為，透過蒐集來的視訊內容，能模仿用戶的行為，傳播背後操控者想要傳達的訊息內容。舉例來說，背後操控者可以用來製造假新聞，達到特定目的。由於抖音演算法技術相當細膩，加上抖音在美國用戶已深入各年齡層，尤其是三○歲以下的年輕人和青少年族群相當熱中參與抖音的內容，的確已掌握上百萬美國民眾的行為大數據。
另外，阿里巴巴子公司的螞蟻金服曾想在大陸與香港兩地IPO，總金額有可能創下350億美元的歷史新高紀錄，但同樣被大陸官方攔下，此凸顯大數據重要。
雖然，抖音和螞蟻金服沒成功上市，但其估值卻高得嚇人，就可知道未來大數據的爭奪戰有多麼重要。
而電子商務平台是最容易收集用戶的大數據，例如阿里巴巴、亞馬遜現在已發成全球巨大電子商務交易平台。若透過收集用戶消費行為的大數據，能讓阿里巴巴、亞馬遜對用戶的消費行為進行精準行銷，擴大電商的營業規模，也能強化用戶對亞馬遜電商平台的忠誠度。
阿里巴巴、亞馬遜為了管理和分析這些大數據，之後創造出雲端運算這項產品，提供企業和商家儲存與分析大數據的模式。雲端運算現在已經是阿里巴巴、亞馬遜的金雞母。
更何況阿里巴巴、亞馬遜在電商平台與雲端運算平台同時都在收集大數據，從大數據的角度來看，它們未來會發展出甚麼樣的新業務都是有可能，也比其他業者有機會。
此外，零售業大力發展電商業務後，也衍生大數據資料，透過客戶的銷售數據更能掌握客戶的消費行為，對提高零售業成長有助益。尤其，零售業整合線上、線下資訊，全面了解消費者的行為，甚或透過人臉辨識等感測器，在顧客進店時，便了解顧客喜好。若能做到以上，結合人(消費者)、貨(商品)、場(管道)，三種數據高度連結，產生的「完美資訊」及洞察力，意味著更深入的掌握客戶。而以上的革命，正是所謂的「新零售」。
又如連鎖咖啡店的星巴克，獨立發展出電子支付系統和會員制，這樣的模式提高整體營運成長動能；麥當勞、肯德雞這類連鎖餐廳也提供信用卡支付，未來也可能像星巴克那樣開發自己的電子支付系統，進而掌握未來的消費數據。
總之，在競爭越加激烈的商業賽局中，「數據」成了致勝關鍵，若能對數據準確收集、整合、運用，將能取得「完美資訊」，將比競爭者更勝一籌 。
亦即當數據時代的來臨，衝擊了傳統營運思維，卻隱藏無限商機。大數據的收集、開發、研究分析和使用都會是一門學問，誰能掌握更多的大數據和更高明的分析與判斷技術，誰就能掌握更多的資源。
微信 
留言列表（704条）
The information shared is of top quality which has to get appreciated at all levels. Well done…
Very good post. I am going through a few of these issues as well..
One thing I would really like to discuss is that fat burning plan fast may be accomplished by the proper diet and exercise. Your size not simply affects the look, but also the general quality of life. Self-esteem, melancholy, health risks, and physical skills are impacted in weight gain. It is possible to do everything right but still gain. Should this happen, a medical problem may be the root cause. While an excessive amount food and never enough exercising are usually guilty, common medical ailments and key prescriptions can greatly amplify size. I am grateful for your post here.
A few things i have observed in terms of computer system memory is the fact there are specs such as SDRAM, DDR and so on, that must go with the requirements of the mother board. If the personal computer’s motherboard is kind of current and there are no os issues, upgrading the storage space literally normally requires under 1 hour. It’s one of many easiest computer upgrade procedures one can picture. Thanks for expressing your ideas.
It is really a great and helpful piece of info. I?m glad that you shared this useful information with us. Please keep us informed like this. Thank you for sharing.
I’m amazed by the quality of this content! The author has obviously put a great amount of effort into investigating and organizing the information. It’s inspiring to come across an article that not only offers valuable information but also keeps the readers hooked from start to finish. Kudos to him for creating such a brilliant work!
Good site! I truly love how it is easy on my eyes and the data are well written. I am wondering how I could be notified when a new post has been made. I have subscribed to your feed which must do the trick! Have a nice day!
I?m impressed, I have to say. Actually not often do I encounter a blog that?s both educative and entertaining, and let me tell you, you could have hit the nail on the head. Your thought is outstanding; the issue is something that not enough individuals are speaking intelligently about. I’m very comfortable that I stumbled throughout this in my search for something referring to this.
Hiya, I am really glad I have found this info. Today bloggers publish just about gossips and internet and this is actually irritating. A good web site with exciting content, that’s what I need. Thanks for keeping this site, I’ll be visiting it. Do you do newsletters? Cant find it.
After exploring a number of the articles on your web site, I really like your way of blogging. I bookmarked it to my bookmark webpage list and will be checking back in the near future. Please visit my web site too and tell me your opinion.
Hi there! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no backup. Do you have any solutions to stop hackers?
You could certainly see your skills in the work you write. The world hopes for even more passionate writers like you who aren’t afraid to say how they believe. Always follow your heart.
Right here is the right website for everyone who wishes to find out about this topic. You know a whole lot its almost hard to argue with you (not that I personally will need to…HaHa). You definitely put a brand new spin on a subject which has been discussed for a long time. Excellent stuff, just wonderful.
This really answered my drawback, thank you!
I have seen that expenses for online degree professionals tend to be a great value. For example a full Bachelor’s Degree in Communication with the University of Phoenix Online consists of 60 credits from $515/credit or $30,900. Also American Intercontinental University Online gives a Bachelors of Business Administration with a complete education course element of 180 units and a worth of $30,560. Online studying has made obtaining your degree been so cool because you might earn your degree through the comfort of your home and when you finish from office. Thanks for all other tips I have learned through the web-site.
Everything is very open with a very clear clarification of the challenges. It was truly informative. Your site is very helpful. Thank you for sharing!
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videos to your site when you could be giving us something enlightening to read?
Your style is very unique in comparison to other people I’ve read stuff from. Thanks for posting when you have the opportunity, Guess I will just bookmark this blog.
Way cool! Some very valid points! I appreciate you penning this write-up plus the rest of the site is also very good.
Hi, I do think this is an excellent website. I stumbledupon it 😉 I may return once again since I book-marked it. Money and freedom is the best way to change, may you be rich and continue to help other people.
Nice i really enjoyed reading your blogs. Keep on posting. Thanks
What?s Happening i am new to this, I stumbled upon this I’ve found It absolutely useful and it has aided me out loads. I hope to contribute & help other users like its aided me. Great job.
This will be a excellent web site, could you be interested in doing an interview about how you designed it? If so e-mail me!
Good article. I will be dealing with some of these issues as well..
Spot on with this write-up, I actually feel this site needs a great deal more attention. I’ll probably be returning to read more, thanks for the information!
Nice post. I learn something totally new and challenging on sites I stumbleupon everyday. It’s always useful to read through content from other authors and practice a little something from other websites.
What an informative and meticulously-researched article! The author’s meticulousness and aptitude to present complex ideas in a understandable manner is truly admirable. I’m totally captivated by the breadth of knowledge showcased in this piece. Thank you, author, for offering your knowledge with us. This article has been a true revelation!
You actually make it appear so easy along with your presentation however I to find this matter to be really one thing which I think I’d by no means understand. It seems too complicated and very large for me. I am having a look ahead to your subsequent post, I?ll attempt to get the hang of it!
Along with the whole thing which appears to be developing throughout this area, your perspectives are very exciting. However, I appologize, because I do not give credence to your entire plan, all be it refreshing none the less. It would seem to everyone that your opinions are actually not completely validated and in actuality you are yourself not thoroughly confident of the point. In any case I did take pleasure in looking at it.
What?s Taking place i’m new to this, I stumbled upon this I’ve found It positively useful and it has helped me out loads. I am hoping to contribute & help different users like its helped me. Good job.
Thanks for discussing your ideas. Another thing is that pupils have a solution between federal government student loan plus a private student loan where it truly is easier to go for student loan debt consolidation than over the federal student loan.
We are offering Concrete Parking Lot Contractor, Concrete Installation Contractor Service, warehouse flooring, commercial, and industrial concrete roadways.
Hi there! I just would like to give you a huge thumbs up for your excellent info you have here on this post. I will be coming back to your web site for more soon.
We are offering Concrete Parking Lot Contractor, Concrete Installation Contractor Service, warehouse flooring, commercial, and industrial concrete roadways.
Good post. I learn something totally new and challenging on sites I stumbleupon on a daily basis. It’s always exciting to read through content from other authors and use something from other sites.
Aw, this was an exceptionally nice post. Taking a few minutes and actual effort to generate a good article… but what can I say… I put things off a whole lot and don’t manage to get anything done.
You’ve made some good points there. I checked on the internet for more info about the issue and found most people will go along with your views on this web site.
One other issue is when you are in a circumstances where you will not have a co-signer then you may actually want to try to make use of all of your money for college options. You will discover many funds and other scholarships that will present you with funds to help with school expenses. Thank you for the post.
This site was… how do I say it? Relevant!! Finally I’ve found something that helped me. Many thanks!
Thank you so much for sharing this wonderful post with us.
you will have a fantastic weblog here! would you like to make some invite posts on my blog?
Hello there, There’s no doubt that your website may be having internet browser compatibility problems. Whenever I look at your site in Safari, it looks fine however when opening in IE, it’s got some overlapping issues. I merely wanted to give you a quick heads up! Apart from that, wonderful site.
When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three emails with the same comment. Is there any way you can remove people from that service? Thank you!
It’s a shame you don’t have a donate button! I’d certainly donate to this brilliant blog! I guess for now i’ll settle for bookmarking and adding your RSS feed to my Google account. I look forward to new updates and will talk about this website with my Facebook group. Chat soon!
Thanks for your ideas. One thing I’ve noticed is that often banks and also financial institutions have in mind the spending behavior of consumers plus understand that many people max out and about their own credit cards around the getaways. They sensibly take advantage of that fact and begin flooding your current inbox along with snail-mail box with hundreds of Zero APR card offers shortly when the holiday season concludes. Knowing that in case you are like 98 in the American public, you’ll get at the chance to consolidate financial debt and shift balances towards 0 rate credit cards.
Thank you so much for sharing this wonderful post with us.
I found your blog site on google and examine a couple of of your early posts. Proceed to keep up the very good operate. I just further up your RSS feed to my MSN Information Reader. In search of ahead to studying extra from you later on!?
Güvenilir bir danışman için medyum haluk hocayı seçin en iyi medyum hocalardan bir tanesidir.
Excellent beat ! I would like to apprentice even as you amend your site, how could i subscribe for a blog site? The account helped me a appropriate deal. I had been tiny bit acquainted of this your broadcast offered brilliant transparent concept
After looking into a handful of the blog articles on your website, I honestly like your technique of blogging. I saved as a favorite it to my bookmark webpage list and will be checking back soon. Take a look at my web site too and let me know how you feel.