Big Lots has launched a loyalty program – The Buzz Club.  Make 10 purchases of at least $20 each and receive a discount.  If I’m a regular customer of Big Lots – that’s a nice unexpected bonus.  Will it drive me there if I’ve never been a customer?  Probably not.  To make a commitment to a [...]

I have a new customer.  She is in the business of residential mortgages.  Not a good time for her business, is it? Actually – she’s doing great. But oh those foreclosures.  Bet she has a lot of irate customers, huh? Nope.  Currently her foreclosure rate is less than 1%. So she just sells those small [...]