How car insurance companies use gender when deciding on how much to charge you

How does gender affect cheapest car insurance options? If you are looking for the cheapest car insurance available in your area, there is a need for you to spend some time doing some research. Sure it is time consuming and you would have to deal with the nitty gritty but it will do you good in the long term. There are a few things that affect one's policy and this includes age, sex, and location - and no this isn't the internet lingo ASL. Your location plays a vital role in the determination of your policy's rate because there are just those areas that make it impossible to protect a car from theft. Your age also plays an important role because according to statistics, there are age groups that are more aggressive on the road than others while there are age groups that are deemed as more responsible in terms of driving.

But how about gender? Isn't basing one's car insurance premium on one's gender a form of discrimination? Gender bias is a natural thing for many insurers because this helps them determine how much one should be paying for one's car insurance premium.

Women ages 16 to 25 for example usually pay less than the males in the same age group all because males of this age range tend to be more reckless than the females. This of course is a generalization but it is still included in the computation for insurance rates because more often than not, the statistics are proven right.

Many consumers are going against this though because they say, the only reason why women are safer drivers is that there is not that very many of them on the road and with this small numbers, it is difficult to say whether women in general drive more carefully than their male counterparts. But no matter what logic one gives to insurers, there is and will always be gender bias hence the need to go around it to get the cheapest car insurance option.

Facebook or myspace and Twitter Symbols Effect Online Purchasing

On the internet buying behavior is delicate to Facebook or myspace and Tweets symbols often situated near item details indicates latest analysis.

When you use the internet, you would have probably noticed the little public networking symbols that allow you to share the item details with those connected to your Facebook or myspace and Tweets accounts.

However, the latest studies suggest that the mere existence of these symbols has considerably has an effect on on online buying behavior.

Online purchasing has many benefits for customers, one being the increased privacy over what individuals buy. Or so initially believed. Scientists Claudia Townsend of Las vegas University of Company Management and Mark Neal of Empirica Research found that in their research of analyzing customer reactions to website structure in internet purchasing experiences, members were extremely delicate to the public networking symbols situated around certain products. While the perception of these symbols never go through at a aware level, they explain that customer behavior was considerably affected by these little changes in web design that have enormous profitable repercussions.

A Marketing Way to Defeat Your Competitors and Twice Your Profit, Fast

You have designed your company and it has been going along perfectly, you have an excellent group of individuals in your company and you now have discovered that you need to slam things up. Lately you have observed your opponent is doing well and taking a bigger and bigger discuss of your company industry so you need to modify your techniques on how to fight this now. You do know that you need to cope with this go on now or there may not be a company in many years.

How much should you invest to get the best come back on your cash with marketing?

This is often the hurdle for organizations as the need to develop the company is high and the point that this is going to cost a lot of cash can be the get 20 two. The economy globally has been a identifying aspect in company and I will explain to you what should you do to develop your company without having to gain access to more presently.

Successful business owners in company see issues as issues and not drawbacks, they do not delay doing things and they definitely do not give up.

There are definitely ways to fight your competition and do it quick. Competition is not bad for company it is good and important to the growth and achievements of any company. It keeps the drinks streaming and you keep enhancing services and product. Having competition indicates the industry is good and balanced and that there are income to be created, your objective however to get the a greater part discuss of the company.

How to Enhance Your Regional Events

Promotion is the essential step towards hosting a celebration efficiently. Hence, coordinators spend a lot of effort and sources to advertise activities that can have a long-lasting impact on individuals mind. However, advertising activities in your area is a intense job and gaining regional viewers is far more difficult. In this article we will talk about about specific methods and tools that can help enhance activities to a large-scale regional viewers. Read on to know more..

Strategize your event

When it comes to strategizing on strategies for your event's regional promotion, you must concentrate on several key factors. You must zero in on the objective of the occurrence, as it helps you to realize the projects to be obtained in the end. Be versatile and start your marketing strategy considering the objective of your occurrence properly.

Research on promotion methods for identical events

Do a Look for applications analysis or on other google / sites where you can post up-dates of your occurrence. Look for applications search will help you to look up identical activities to yours. Look for applications is a efficient foundation to examine out modified marketing programs and marketing systems that can be used to advertise your activities. You can also go through marketing duplicates used for advertising identical effective activities in the past.

Top 5 Online Techniques to Manage Your Offline Events

Event organizers keep hosting one or more events throughout the year to meet new prospects and build strong connections. Organizers need to do a lot of work right from an event's creation till its completion. Whether you plan to host an event online or onsite (offline), you need to promote your events well so that it gets maximum attendance and in turn generates high revenues to meet your business goals.

Let's check out the top 5 online techniques to manage offline events.

Explore Social Media

From Facebook, Twitter to the more recent Google Plus, open accounts on these social media platforms to post your event details. These platforms are being explored by millions of professionals and business houses to instantly reach out to more people. Social media sites provide easy access to viewing profile pages of potential prospects and sponsors. You can search for like-minded people and gradually build up a network with the industry experts. You can create Facebook events to know what your attendees are expecting from your meeting or seminar and likewise adjust your events to satisfy them.

An Introduction To Mobile App Marketing and SEO

You're fast asleep at 2:00 AM when you are awoken with a Eureka Moment. You have just discovered an idea for a spectacular smartphone app. And you're right, it is spectacular. In a year your app will be bigger than Angry Birds. But how do you get started? Getting a bold new mobile app idea is hard, but you've accomplished that. Now, how do you build it? That is harder still. Finally, how do you market it? That may be hardest of all.

Most experts have agreed on some important, mandatory steps that need to be taken. Many of them are the surefire, reliable tactics that online marketers have been using for years. For truly successful mobile app marketers, these approaches are combined with inventive marketing tactics specific to the mobile application industry. While some experts disagree on the details, they do agree on many of the steps. Let's examine them here:

Prelaunch - Your marketing program has to start well before the official launch of your mobile app. As in any marketing project, you need to know who your customers are and where to find them. Some action needs to be taken to generate interest in your app. Word of mouth advertising, allowing a sneak and exclusive preview, creating a website for the app are all steps that can/should be taken before launch.

Strong Brand Identity Design

Strong brand identity design is what makes or breaks a business right from the start. The importance of visual brand identity is often under-appreciated, but it is one of the most determining factors for a business to be successful. People can hardly understand how much work is put into designing a logo and how it can determine the success or the failure of a business. The logo is the first impression that a potential customer gets from a company and we all know the importance of a first impression. The visual identity design of the company is the way this first impression unfolds, revealing more information about the company's profile. This part is the most critical to gaining the trust of a first-time potential customer.

Finding online graphic design professionals to create a conceptual design for your business is one of the most important decisions that you can make. You do not just want to go with any free graphic design company that you can find. It is worth it to put a little more money into this aspect of the idea, because high quality visual appeal will do wonders for your business. A great name and a great image set up makes brand identity designers worth so much money. If you have a good name with terrible graphics, there is no point in trying to make it work. The same can be said with the other way around. Really take the time to look through graphic design portfolios so that you can find a designer that you really feel comfortable with, at a good price. Most portfolios can be found right on graphic designers websites, and will give you a good idea of what to expect from them.

One Free Idea to Help You Promote Your Bar or Restaurant

As I'm writing this; Facebook has just launched its IPO and garnered over $100 billion in investment capital on its opening day. That is crazy. I can barely wrap my head around the idea.

You know what else is hard to understand? When bar owners keep telling me that social media is a fad and it isn't useful for them as a marketing tool. That is crazy. I can barely wrap my head around the idea.

Saying that Facebook can't help you market your bar or restaurant should be reserved only for people that have more business than they can handle every day. I can think of less than 5 places like that in the world. Funny thing, those places have active Facebook pages.

Most bars and restaurants do use Facebook one way or another. Most of them have a page of some type, and put a picture or logo on it. They even update it sometimes with menu offerings or promotions and "that" is about the extent of it for "most bars and restaurants."

7 Ways To Grow Your Business!

Do you ever have days when you feel like you just won't make it? I can remember waking up some mornings, thinking - wondering - pondering - WHEN will IT ever happen? Success, that is.

As a woman in business, do you ever feel overwhelmed, with the sense you've got to do it all yourself? Well, then you are just one of many. Seriously. You are not alone.

The thing is that you have got to start doing things differently to achieve different results. I want to share a few basic tips on how to grow your business so you, too, can be a wealthy woman leader. Here are some of my favorites - looking back.

1. GET PASSIONATE ABOUT WHAT YOU DO - AND TELL YOUR FACE!

I have met so many women entrepreneurs who have been so caught up in the details of 'trying' to make their business succeed, that they have lost sight of the 'why'. They have lost their passion and their energy and are dragging their tired, sorry butts around town doing what they've always done - anticipating a different outcome. News flash! That's not going to work. Get back to basics - take some time to reflect - WHY are you in business? Get back to the passion of what you are doing - and look forward with excitement knowing that the world is waiting for you and what you have to offer.

How Many Marketing Touches Does It Take To Close the Sale?

 There's an underlying principle in marketing that you need to have multiple "touches" with your prospective client before you become top of mind.

I've been researching to see what the latest statistics are...(I've heard anywhere between 7 and 23!) and not surprisingly, there is little agreement among marketing professionals on what the magic number is.

Anywhere you are, we are all assaulted by advertising and marketing messages. Think about it: there are Zappo's ads in the shoe bins at the TSA security checkpoints at airports. Ads on the sides of a bus, bus benches, billboards, bumper stickers, radio, TV, in the trailers before you get to see the feature film at the movies. Online--it's even worse. Facebook has a whole sidebar full of targeted ads every time you log in, even more TV-style spots directly assaulting you when you play one of those addictive Facebook games.

As small business owners, you need to figure out how your message can break through that noise to get you noticed by your best prospects. In order for some one to want to purchase from you, you need to move them along the familiar Know-->Like--->Trust spectrum.

B2B Leads Signify Not Only Opportunities But Also Needs

 You have to face it. People these days don't like salespeople. Even business owners themselves are starting to absorb the mentality from outspoken consumers on the pushiness and eagerness of companies these days. Who can blame them? For decades, many professionals and analysts have admitted that companies have cared more about selling than they are about giving the people what they needed. And in times of economic uncertainty, both businesses and consumers alike have become more focused and aware of prioritizing their needs first.

However, does this mean the end of sales and marketing? Hardly. It only means that a lesson should be learned here. It means that you need to prioritize those needs first. Fortunately for you, businesses are likely to have more needs as entire organizations than simply categorized groups of private consumers. On the other hand, how do you prioritize these needs if you don't even know what they are?

This is another thing that lead generation is supposed to do. And in light of recent developments, it seems to have been forgotten. When you're setting out the criteria for a qualified lead, you shouldn't limit yourself to just the budget or if whether or not a potential client may not be so potential after all in terms of sales. It's shouldn't be just about the money you'll be getting. It should be about whether or not you can give these people what they need. Frankly, the following piece of wisdom may seem tried but it's still well tested. If you're eager more about making a buck than making yourself useful, then you will indeed turn off a lot of decision makers and just all people in general.

Is Content Killing Content Marketing?

For years we've heard that "Content is King," and businesses around the world have been listening. The growth of social media has provided a platform for distribution of content like never before, and companies are churning out articles, blogs, white papers and other content at a record pace.

So what's the problem?

Not too many years ago, content was produced by analysts, researchers, writers and journalists who spent a great deal of time developing well-written, thoughtful and provocative material. This material was published for readers who had a deep and genuine interest in the topic at hand.

Whether it was exploring new vendors and service offerings or researching competitors and market opportunities, consumers of this content could be reasonably confident that what they downloaded would be worth their time - and the price of their email address or contact information.

Not so much these days. Cranking out content has become an end in itself.

For many content marketers, content is simply a sales hook designed to capture email addresses (aka leads). There is less concern about offering a quality product, as long as the goal of building that email list is achieved.

Is Your Business Ready to Blog?

 Not sure if your company should be blogging?

Take this quick, 5-Step Blog Readiness Test to find out.

I hear this question all the time from business owners, "Do I need a blog?"

My answer is usually, "It depends." Every company is different, so answering the question about whether your business needs a blog requires a quick assessment. Answer these questions to see if your organization is ready to take on the blogging challenge:

    Are you genuinely interested in writing a blog? Do you really want to blog, or would you just be doing it because you've heard that you should? If you don't want to write yourself, are you willing to allocate resources from you team (or hire someone) who can bring passion to your blog?

    Are you committed to blogging consistently? Whether your posts come monthly, weekly or daily, you need a consistent blogging schedule. You can plan ahead and post later, as long as you establish a pattern your readers can depend on. Adding fresh posts on a regular basis will help build a loyal following of readers for your blog.

The Benefits of Combining Event Marketing With Online Marketing Techniques

 The simplest way to achieve success in today's marketplace is to establish your business' presence online. The internet has changed the way businesses do their marketing. You need to keep up with the times and use online marketing strategies to promote your business. Investing in lead generation services and other solutions marketing firms provide may give your business the exposure it needs to stand out in the online market.

This does not mean you have to abandon your traditional marketing methods in favour of online marketing. Event marketing, when properly executed, may still provide you with the exposure you need to succeed.

Lead Generation

Finding potential customers, also called "leads", is one of the most important steps in a marketing campaign. In lead generation, you need to use ads and special offers to build up interest in your business. The goal is to get more people interested in what you are offering. The more interested they are, the more likely they will buy something from you.

A Review Of Distinctions Between B2C And B2B Lead Generation

 The difference between leads for B2B and B2C is pretty much basic for even the average business owner. However, it never hurts to make a quick review on some of the easily identifiable differences.

Now the first difference is of course, the target market. Obviously B2C is going to be much larger in number compared to B2B. Why is this so is because products for B2C are meant to serve relatively simpler and more private purposes (e.g. cleaning detergent, laptops, toys). In contrast, B2B leads don't necessarily represent individuals but individual companies. As such, they are much smaller in number but also pay higher than the average consumer.

The second difference is the process in which leads are converted into sales. In B2C, it can happen very, very fast. Take advertising for instance. You see a commercial on TV for this really delicious combo meal that's being served by a popular fast food chain. Suddenly, you realize you were about to go out and weren't sure where to buy lunch. In advertising, business owners use the power of suggestion to direct you to their establishment (or one of them) to make a purchase.

This process can happen quickly without too much thought or discussion but this actually occurs in several, rough steps. Remember, there can be a particular distinction between marketing and sales for business people. In marketing (or more specifically, lead generation), you simply point a prospect into the direction of your business. The sale however, then occurs right after when the prospect arrives there and places an order.

Why Many Businesses Use Online News Submission As Part of Their Marketing Efforts

 Businesses are always seeking new opportunities of presenting their services and products more efficiently and effectively to a wider and more varied audience. At the same time, they look for more cost effective methods of advertising, and obtaining greater exposure without spending highly significant amounts of money. By utilising online news submission sites, they are able to achieve these advantages and benefits, when compared to the traditionally accepted forms of marketing.

The correct use of online methods provides the capability of tracking and monitoring the progress and results, of any changes made to the content, as and when needed. This is not possible with traditional methods of marketing or advertising.

Web marketing

With web marketing, specific information displays details of an individual's gender, age and their location. Additional information includes levels of education and occupations, making for easily determined and accurate target marketing.

Promote A Home Cleaning Service With Promotional Items

 There is no better, economical, and effective way to promote your home cleaning service and to increase sales is to use the tried and tested promotional method of giveaways and gifts. Promotional products are an effective and low cost way to grow the brand recognition, within the community and even outside it, for your home cleaning service. Whether it is a new business or a trusted and established service with high visibility in the community, your cleaning company is sure to attract additional home cleaning jobs, and rope in more clients, with the wise use of a range of promotional marketing items.

A start-up cleaning business can promote its services through these handouts, while a larger cleaning service, offering a range of options like full house cleaning, or window and floor cleaning, can also benefit from such drives. Promotional item giveaways can help to rapidly expand the customer base of any home cleaning service. Ranging from promotional items like magnets, to larger giveaways like kitchen utensils or household and cleaning products, giveaways can be very useful in promoting your services to existing clients and their friends and neighbors.

Items such as computer brushes or even screen cleaners imprinted with your name and logo not only bring the shine back to the clients home, but remind them to come back to your when spring cleaning time comes around! Choosing a handy promotional item ensures that the recipient clients are able to have it right in front of their eyes, usually on their desks or counter top. What this means is that your brand, and the services you provide, also remain in the forefront. This is one of the most effective marketing campaigns home cleaning service can engage in, and it is not the least bit expensive or even time consuming. Promotional goods and items are the perfect cleaning business marketing campaign and they are easily carried out, requiring the bare minimum of personal input and working time.

Customer Loyalty Programs: How To SuperSize Your Results

 Customer loyalty programs today are much more critical than ever before...and it's easy to understand why. Every customer you now have-even the oldest and most loyal--is daily bombarded with tempting advertising messages and "irresistible offers" from print ads, cable, direct mail, and especially email.

The lesson is clear: You'd better be on top of your marketing game or you're going to lose those customers you fought so hard to acquire. So just how do you do that? How do you fight the barrage of competitors and give your customers what no one else is?

For many companies, the hands down best solution has been a well strategized customer loyalty program.

The first strategy is that it's always easier to keep a current customer than it is to get an entirely new one. Your current customers know at least something about your company and your products. They've already entrusted you with one or more purchases. And assuming you treated them well so far, they're more inclined to remain with you and continue to do business with you until something better comes along.

So your second strategy should be to provide them with some incentive that your competitors will not or cannot. That's where customer loyalty gift card programs come in.

How Lawyers Can Use Marketing To Identify And Sift Out Hot Prospects

One reason why many lawyers don't like marketing or think it is not worth the effort is because they have not done it properly in the past.

This could be for a whole lot of reasons, but more often than not it is because of a lack of time and expertise.

There is also the confusion many lawyers have about marketing and sales - i.e. should marketing result in new clients signing up immediately or should it be separated totally from the sales function?

I want to answer these questions by focusing on what marketing should be...

Marketing should help lawyers identify prospects that are looking for specific legal services and have the money to pay to achieve their desired goals.

Given this, any marketing by law firms should focus on sifting out hot prospects as soon as possible so that the appropriate communications and resources are directed to them.

Using Online News Submissions to Gain Extra Visitors to Your Website

It can be quite hard to compete with other websites when it comes to attracting internet users to a specific website. If the site is in a popular field, like cars for example, then the competition is high due to the amount of Google searches being carried out. However, if a less popular field is being targeted then it's difficult because not many people are searching for that specific field anyway.

It's good to use keywords, meta tags, and other SEO techniques, but what many people forget is how Google ranks certain sites on their search engine. Yes, they do take into account well-optimised content, but many people forget that updated and useful content is being increasingly used as the determining factor. And that's where online news submission comes in.

What Happened?

In the past, a smattering of SEO was enough to get one's website to the top of the list, but with the recent Google Panda updates and the changes to these algorithms, it's the content which is reigning supreme. And that's why online news distribution is the perfect way to get websites to the top of the Google rankings.

Text SMS Services For Business - Why It Is A Must?

Why do you need text SMS services for your business? Let me put it this way - there was a time when businesses felt that they did not need a fax machine. The same was said about having a P. C. If you can show me a business that does not use a P.C. I will show you a business that is unsuccessful.

The Secret To Profits Using Text SMS Services

Sure everybody has heard the buzz about text marketing. Although Text Marketing is one of the best forms of marketing on the planet at the moment, it is not a magic bullet. It takes effort on the business owners end. The secret to text SMS marketing is you need to build a list of subscribers.

This can be done in a number of ways and it is dependent on your current financial model. For instance if you are the owner of a diner you might place your campaign on your table tents, or simply have your hostess or waiters inform the customer.

If you are in the real estate business, you can show your lists 24/7. All you would do is add your campaign information to your current signage and watch your list grow. The leads will come to you on virtual autopilot.

Identify YOUR Target Market With This Strategy - Create an Avatar

In my coaching efforts with small business owners, I find that one of the most overlooked items when designing a marketing campaign is also one of the most important and should never be skipped: identifying your target population. It sounds so basic, yet it is so regularly skipped. Most of the business owners I coach cast too wide a net and therefore don't find their response rates or opt-in rates nearly as high as they would like. They aren't able to get clients on the phone or to return phone calls; get them to respond to e-mails; visit their website; answer direct mails; or anything. Their bosses or some sales strategies tell them it's a numbers game, just keep trying.

If you want to attract more of YOUR target population, then you must identify them with laser-like proficiency. One of the best ways to do this is to be able to visualize your target market. I recommend using an Avatar approach. This way you can envision exactly what your target looks like. Once you can see them in your minds eye, it's much easier to attract them.

If you are selling weight loss products for instance, who exactly are you trying to attract?? I hear often from the people I coach: "anyone who is overweight". That is just way too broad a spectrum of people to effectively attract. You must get much more specific as to who they are. I've heard very similar answers from financial planners, real estate brokers, mortgage brokers, automobile salespeople, and many others. The lesson here is to be more specific and don't try to attract absolutely everyone. As the old story goes "He who chases two rabbits catches none".

Goody Bag Marketing Giveaway With A Goal: 7 Steps to Creating a Compelling Call to Action

 It's that time of the year again, when people call me because they are sponsoring an event and need some stuff to give away. We then make our recommendations, taking into consideration their budget and their usually tight time frame. But, the first thing we do is to ask: what is the goal of your program? What do you really want to do?

Many times the answer to that question is that there isn't time, or that the sponsorship money exhausted the budget. What it usually boils down to is that they just think they need to have something in the bag to participate and get their name out there.

Giving stuff away without a promotion or call to action is like whistling in the wind. If your freebie is going to be sitting at the bottom of the bag, how will it stand out? Is there a compelling enough call to action? Is the product driving traffic to your website? Is it generating a lead? If not, your giveaway is not using your tight budget to its best advantage.

A call to action is essential to the success of your marketing efforts. You need only look to the following examples to see how well it's working for other companies!

Premium Blend of Quality and Precision

 Today, the market is flooded with varieties of products that help in the proper execution of industrial applications. The unmatched quality and high performance level have made these products widely demanded in the market. In addition to this, the availability of the products in varied sizes and dimensions have also attracted various industrial sectors to place bulk orders. The unmatched quality and excellent performance has made these products ideally used for various industrial applications. Thus, the products are manufactured with complete compliance to the international standards in order to ensure utmost satisfaction to the buyers.

The industrial sectors, apart from he and heavy industrial machines, are also dependent o small tools and equipments. These tools and equipments help in simplifying the industrial tasks. There are various types of industrial equipments that are ideally designed to meet the requirements of the simple as well as complex industrial applications. There is a product for every industrial application and excellent result is assured. Thus, excellent results in respective applications have also played a vital role in the enhancement of the demands of the industrial equipments and tools.