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Finovate Startup 2009 Live Twitter

I am attending Finovate Startup 2009. It is an action packed 1 day format which I belive will lend itself perfectly to a live twitter. Stay tuned it should be an amazing day. http://twitter.com/BlogTrafficExch In the break I have scheduled some talks with SimplFi, Mint, and Calendar Budget. I am...

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5 Online Store Search Results

1. Credit, Charge Cards Trading Cards Collectibles

5 Online Store Search Results

1. Credit, Charge Cards Trading Cards Collectibles

• Face time versus internet time I am struck more and more by the dichotomy between internet time and face time. Often, it's very difficult to time-budget my own activities, because I don't know which time class an activity is going to fall in to. Let me explain... Internet time Internet time is activity limited mainly...
• Are you financially secure? With the economy at the top of almost everyone's watch list, job security is a thought that comes up often in discussions with others. Each day the number of people losing their job increases and for some the idea of trying to go out and find another job is a...
• Holiday Shopping Tips – When Is the Best Time for Bargains? Getting the best bargain on your holiday shopping is very important when you have a set budget and a seemingly limitless shopping list. Every time you are able to score something from your list at a bargain price you are able to stretch your shopping dollars a little further. But...
• Security Mechanic Provides No Security! Security Mechanic is a rogue security program that nonfunctional. Although the security alerts it displays to the user look very authentic and are often frightening, this product serves no purpose. Through the aggressive and misleading alerts, the hackers who invented the product hope to scare the user into believing that...
• First Lessons Learned as a Volunteer Tax Preparer A few weeks ago I wrote about my decision to obtain IRS certification as a volunteer tax preparer for the VITA and TCE/AARP Tax-Aide programs.  Last week was my first opportunity to meet with four people who had made appointments to receive help with their returns.   The volunteer office...
• What free software do you use? No Credit Needed has a post on free software he uses every day. I'm a big proponent of open-source software, since I think it's every bit as good as commercial software, and often is better. It's also usually really frugal -- there's great stuff out there! If I need something...
• Live from Finovate Startup - First Demo Session I'm blogging live from Finovate today. Here's an update from the first demo session: Expensify - "Expense reports that don't suck..." Gets all information from a credit card import and can produce an IRS tax-compatible receipt. Import from 92% of the US credit cards... Fairly impressive reporting. kaChing - KaChing...
• 4 Things to Do During Camping 'Downtime' /caption]Let's face it: even on your most active day of camping - fishing, hiking, boating, building fires - there's still going to be some downtime. After all, even the U.S. Marines enjoy a certain amount of free time every day. If your day has been active enough, you might only...
• Prosper Webinars I am wondering if anybody has gone to one for the Prosper Webinars on lending, borrowing money, and group leading. I have been receiving email invitations for several weeks, but I don't see how they would help me.  If you have gone to one of them can you tell me...
• White Knight Two Good Even though the whole thing is going to be a hugely expensive treat, suitable only for those people with big pockets, the successful test flight of Scaled Composites' WhiteKnightTwo aircraft is a fantastic thing.  It's truly one of the most beautiful flying machines I've ever seen and is much more...

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White label versus direct to consumer

Was reading the latest post from Albert Wenger, a partner over at Union Square Ventures. His post was about companies that started as consumer sites and who now want to switch to a white or private label service and the potential difficulties in making the transition. His primary reason seems to be that once a company is built as a consumer facing entity, it doesn't have the DNA to switch to a company that has to deal with the whims of white label clients.
 
I somewhat agree and disagree with that statement. Yes, getting into the white label (we call it private label) business is not easy if you don't have the technical infrastructure or the mindset of a client-consultant organization. I wouldn't say it's necessarily impossible though. If your core technology is built on a flexible platform, making the changes to your technology should be relatively simple - like building a different front-end UI instead of rebuilding a new product from the ground up. As for the sales mentality, I think any good entrepreneur needs to have that to become successful regardless of whether they are selling to clients or to investors or to potential team members. If you don't have that mindset already, I don't think you'd be very successful regardless if you're transitioning to a white label path or sticking with a consumer strategy.
 
When we started Centrro, we were solidly going down the white label path. However, we've since added a consumer facing product (KnowBeforeYouApply.com) and will be adding another one shortly. Though they both try to reach two different markets, they both rely on the same underlying technology which we've built to be very flexible. Most of all, I think having good people on board makes things a heck of a lot easier. Our business development and technical teams are what drive our business and with them on board, we'll be able to zig and zag our way out of any jam.

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