At the millennium, personalised targeted direct mail was by no means unknown, but it was certainly a minority activity. Variable enclosure had taken off by this stage, trying to capitalise on the targeting and segmentation possible at the database level. High quality, personalised colour print, where text, images and whole sections of content can be varied according to the recipient’s profile, was only being used by a handful of pioneers and early adopters. Now the whole scene has changed.(read more)

How many people vow to put themselves or their family on a budget? Almost everyone. Yet, few people actually stick within the confines of that budget and make better financial decisions. Why? Many budgets don’t consider the unexpected. Whether it’s because of a car repair or a broken tooth, budgets that spend every dollar of income with no wiggle room are doomed to fail.(read more)