Category: concession

eBay Selling Tip – 11 eBay Selling Strategies

Selling on eBay can be very lucrative. Before you begin to sell a product on ebay, you should learn a few selling strategies to give you an idea of ​​how this number one auction site can help make your eBay business a success.

Some people sell on eBay as a hobby or part time as a way to make a little extra money. If you are looking for a get rich quick business, this is not the business for you. Selling on eBay requires some work and it will take a little time to build your business and make it a success. Before you begin, you will need to find a product that is popular with those who shop there.

Here are some eBay selling strategies:

1. Set the starting price low. This will simplify more traffic and get bidders interested in the item. Let's face it if a bidder thinks they can get an expensive item for $ 1 they will bid on the item even if it is something they do not want. This will usually get a higher final price on your auction items.

2. When possible, do not use reserve prices. Bidders may get discouraged and not bid if they see a large reserve price. The idea of ​​an auction, for most, is to try to see how cheaply they can get an item they would like to own. Use reserve prices with caution.

3. Always include a photo in your listing. When a bidder can see the quality of the item they are more likely to bid on that item.

4. If you have more than one of any item, try selling them one at a time. You will find bidders will be looking for the item to come on the auction block again if they were interested in it before they will jump at the chance to bid on it again.

5. Try to use correct spelling when you write the sales pitch for ebay. You want the bidder to think you are intelligent and in control of your business.

6. Use descriptive words when writing your sales pitch. You can even mention the retail price of the item. This will show the bidder how much less he is getting the item for and he will be more likely to bid.

7. Auctions should never be shorter than 7 days. This will give your item time to be seen by more bidders. The longer the auction, the better results.

8. Make sure your auction does not end during peak bidding hours. Make it a bit after 9 pm And you will see a better result.

9. Watch your shipping costs, try and keep them reasonable. Check with your dropshiper, UPS, or post office to see how much you will need to send the item, and charge accordingly.

10. Try to avoid negative feedback. Make sure you describe the item correctly, so there will be no confusion about what the bidder expects. Also try to make sure the item gets to the seller in a timely manor.

11. PayPal is your best bet when collecting money from bidders. It is a safe way for you to receive funds without taking credit cards yourself. PayPal offers a debit card that gives you immediate access to your money as soon as it is posted in your PayPal account.

Paying attention to these ebay selling strategies will have you walking away with more sales.



Source by Tanner Larsson

50 Marketing and Sales Promotional Plans – Next Set of 15

Hi, we are back again with more promotional plans. Our ’50 Promotional Plans’ have been compiled to help retail businesses reach out to their target market more effectively. Since there are so many creative promotional models out already, retailers can use the best fit to get the maximum visibility, better cost-effectiveness, improve branding and achieve greater sales.

We had previously discussed promotional ideas such as Happy hours, Free trials, Customer care, Complimentary products, Group discounts, Cross promotion, Motivational offers, Fun offers, Group offers, Free service, Spares with product, Selling attractive packages, Freebies, Free shipping, Referral schemes and Block renewals. These promotional ideas were well received by our readers and now we are back again with the next 15 schemes for you.

1) Senior Citizen Discounts: Special discounts for senior citizens, a gradually increasing segment with specific needs, is a great idea. In fact, there is a site entirely dedicated to this segment – seniordiscounts.com. Through senior citizen specific schemes you can promote any product or service that senior citizens may need and build a whole new market segment. For example Super Religare Wellness had a scheme where it gave 10% off to all senior citizens. Even Ayurcare offered special discounts to senior citizens for its therapies and detoxification programs.

2) Discounts to Niche Customers: Select the target segment you wish to focus on – say, a particular membership card holder that suits your profile – and offer them a discount. For example, a top end restaurant providing discounts to Club Mahindra holders would bring exclusive focus to an attractive, new segment.

3) Tie-ups with Banks: A tie-up with banks to provide special discounts for customers who use their bank cards at your retail outlet provides access to many potential customers at negligible cost. Several banks are ready to do this.

4) Early bird customers: How about early bird schemes where customers get special discounts for buying early? Such schemes prod customers into buying early to avail the discount. From travels to wellness centres and even corporate training programs, early bird incentives are always a great way to promote your products and services. Wild Frontiers, an adventure travel site offered a 5% discount for early bird registrations while VITS Wellness Centre, Andheri offered a limited period special discount for early bird couples.

5) Reward the customer for his efforts: Reward your customer for the efforts they put in for their own good. ‘Fitness First’, a fitness centre, rewarded its customers for losing each kilogram, with a Rs. 500 discount for each kilogram lost.

6) Use short codes effectively: Let your customers participate in an on-the-spot contest, and in the process get their mobile numbers too. Give a freebie or a discount to whoever participates in the contest. Subway used this scheme by asking customers to enter a contest: Subway gets the customers contact details such as mobile number and email id while customer gets discounts or freebies.

7) Special Event promotion: A special event such as an anniversary, festival or a special day like Valentine’s Day is a great time to offer a promotion scheme. Give a special discount to anyone who registers or buys on occasions such as Children’s day, Mother’s day, Father’s day, Teacher’s day etc. For example Gold’s gym offered a special discount for couples who joined the gym on Valentine’s day and Big Cinema gave away free tickets for women patrons on Woman’s Day.

8) Price guarantee: When real estate prices are falling and people do not buy because of uncertainty, a promotional scheme that offers to pass on the price benefit in case of lower prices in the future, drives sales. A limited period offer for those who book during the period, protects those from future price fluctuations. Aparna Constructions in Hyderabad has offered such a promotional scheme in view of the uncertainty in the real estate market to assuage fears of the customers and provide them with a window of opportunity to invest.

9) Surprise gift: Offer a surprise gift along with a service. Getting something free in the most unexpected of times always remains etched as one of the most memorable experiences for customers. It does not matter whether it is a small gift or a big one, what matters is that you have made the customer feel like the lucky one. For example Jaipan sells a combo package of home appliances such as a vacuum cleaner, toaster, blender and roti maker and throws in a a surprise gift!

10) Social causes: If your service has a social element to it, offer a promotional pricing with it. For example, Times Matrimonials, offers a discount for those who wish to advertise in their matrimonial column without a dowry requirement (or without a caste and religion bar). Similarly they offer discounts for senior citizens and widow/widowers …

Mobile Banking Applications: Implementing WAP Billing

Wireless Application Protocol, commonly known by the acronym WAP, is a free worldwide standard allowing mobile tools like smartphones, iPhones and laptops to acquire an internet connection while becoming compatible with large network bearers. The ability to authorize transactions allows WAP to supersede the recent implementation of mobile banking applications through 2-way messaging (SMS).

The WAP billing process operates through Wireless Markup Language (WML), an HTML adaptation for constructing wireless applications via independent platforms. In a standard WAP billing process, data packets associated with wireless devices travel by way of wireless networks in the WML configurations to a WAP gateway/server. The most essential part of the data becomes reconfigured and transferred to a more common HTML-capable web server. The functionality of this process is only possible if the HTML packets successfully travel through a WAP gateway/server, en route to a wireless device.

The WAP solutions described are usually in two parts:

1) a WAP server that distributes information and applications and

2) a WAP gateway controlling access

The successful operation of these is based upon business models incorporated by banks/operators. At the present time, WAP banking systems are employing closed models that allow WAP servers and gateways to reside on the operating site of the network. This allows banks to release control of their information and provide access to mobile banking applications and operators. Unfortunately, the aforementioned closed models come equipped with a security flaw that protects vital information by way of “clear text” via the gateway. On the other hand, open model solutions equipped with gateway and server situations programmed within banks’ secured intranet will counter any threats while the closed models allow marketability free of burdensome installation costs for banks.

Let’s face it, in most cases it is required that customers take the initiative for their banking needs like going to an ATM, making a deposit or transfer, or calling a call center with their dreadful automated customer service systems. These are channels that require you, the customer, to take the initiative. Whether it is driving, walking or waiting, any delay can make managing our finances troublesome. However, if we take advantage of the fact that there is more than four times the amount of phones (smartphones, iPhones, etc.) as PC’s in circulation today, our lives could be less troublesome. With mobile banking applications and WAP billing being used by major banks around the world, banking can be done with less hassle, more convenience and more security.



Source by Jerry O Smith

Text to Screen – A Very Clever Use of Technology

I was at my friend’s hotel bar the other night and had the usual great time dancing to the live bands they have playing 7 days a week. This is a special bar with a very interesting business model – because in fact it hosts a television show that highlights up and coming new bands with interviews of the band members and several of their songs played on TV where the bands can demonstrate their talent to a live “studio” audience. The business model is interesting because rather than have a music studio as a major expense, my friend has a revenue making bar which he uses to make his television program.

The TV program may only be shown on the public network which is notorious for having low ratings, but it certainly does have a strong following with the bar-patrons and the fans of the different bands and the TV ratings for my friends music show has been steadily growing even though the total network is relatively flat.

Having a few quiet ales with my friend, he explained how he built up the “brand loyalty” for both the bands and his TV show. And it was here where I saw a very fast way to use technology to grow a business and loyalty with its customer base. The technology is called “Text to Screen” and it is where people send text messages on their phones – which we all know everyone has at least one mobile phone, and the messages can be shown on television and on the web.

My friend uses “text to screen” within his hotel for the audience to vote on songs they favor and for them to request songs to be played. And he also promotes it on his television show for competitions and viewer ratings of the different bands. The collective results of sometimes hundreds of incoming text messages get tallied up in real-time and shown both on the TV screen and the Internet, so there is a real-time interaction with the audience. I’m very impressed with this clever use of technology.



Source by Phillip David Jarvie

Top Reasons to Buy a Used Auto

Shopping for a car is a responsible process, which is often associated with lots of challenges. With so many nuances that have to be taken into account, it’s not easy to choose a vehicle, the quality and characteristics of which will come up to your needs and expectations. Many people believe that buying a used car is a bad choice. So, they start looking for a new car, which is always a more expensive solution. If you face the same dilemma, consider the major reasons to buy a second-hand auto.

1. Affordability

Affordability is, probably, the major reason to get a used automobile. Whether you buy a 2-year old vehicle or the one, which is over 10 years old, it will still cost less as compared to a new car. This is no wonder, because autos depreciate with the lapse of time and even those cars, which initially were quite expensive, may cost several times less.

2. Certified Pre-Owned Options

When you buy a used auto, you are always worried about its condition and possible shortcomings you don’t know about. This is quite risky, of course, and this is what often makes customers give preference to new vehicles, even if they are much more expensive. Fortunately, contemporary carmakers start offering versatile Certified Pre-Owned (CPO) options, which make used cars a nice money investment. These programs as well as their terms may differ a lot from each other, which basically depends upon the manufacturer. In most cases, CPO programs imply special warranty terms and some other options depending upon your current needs. This is a pretty nice solution for used car owners.

3. Extensive Choice

Hundreds of new car models emerge in the market each year. This number keeps increasing with every passing day, offering freedom of choice to customers all over the world. However, new cars cost a lot and you have to be sure about your financial abilities, if you decide to opt for the one. When it comes to selection of used automobiles, the variety of models available for sale is much more impressive. This means that your choice is more extensive. This is just the matter of your taste, requirements and budget. You can choose any car models you like – even those, which are not manufactured anymore.

4. Lower Insurance Rates

When it comes to insurance, new cars are undoubtedly more costly. This is because the value of an auto is that aspect, which is primarily considered in the process of insurance rate determination. In other words, the more valuable a vehicle is – the more expensive the insurance policy will be. This is quite understandable, because repairing a valuable car will cost more as compared to a used auto. Thus, when you buy a second-hand car, you will pay less for the insurance policy.

5. Powerful Aftermarket Communities

When you buy a new auto, you will have to look for the aftermarket community to help you solve your problems for quite a long period of time. This won’t happen, if you opt for a used automobile. The older a car is – the more extensive and powerful aftermarket community it has. This is a notable support for any car owner, because there are many questions and answers you can discuss with the owners of similar car models.

6. Lower Registration Expenses

The cost of car registration generally depends upon the location you live in. It may differ even from one state to another, not to mention different countries at all. However, registering a used auto is much cheaper than a new car in any country. This often depends upon the age, power and even weight of a car as well as on other important characteristics. What’s more, some countries charge annual taxes for cars depending upon their age.



Source by Aleksey Donets

4 Different Types of Marketing Copy

Whether it is offline or online content, most companies fail to make a distinction between the different types of content they publish. Often a failure to do this makes it harder to communicate with readers and satisfy their needs.

On occasions, each type will over-lap, but to begin with it helps to make the distinction between:

1. Transactional Copy – that makes readers want to buy

As a marketer, this is the most important type. If you have a product or service to sell be upfront about the fact that you want to sell it! Too many companies present what they offer as information – in the hope that someone will buy.

Customers who are in a buying frame of mind want to be sold to. The easier you can make it for them the more likely they will be to buy. This means being crystal clear on:

  • Your offer
  • Your price
  • Your benefits
  • Your credibility
  • Your guarantee

You also need to give very clear instruction on what you want them do. If they need to fill in a form, tell them. Just do not assume they will do what you want.

Often, the more intellectual a product or service, the more resistant the company is to use sales language to sell. It is a very British trait, somehow linked to the idea that selling is vulgar and what 'sales-people' do.

If you are in that camp, you need to get over it. In this economic downturn getting good at writing copy that sells is gong to be the most important type of content you publish.

2. Information – that educates the reader

We are all dependent on information. Your readers want information that:

  • Educates them about your product or service
  • Is concise in the way that it is written and presented
  • Is from a reputable source so that it can be relied upon
  • Can be accessed quickly and easily.

When readers are in 'information only' mode they do not want to be sold to. It's important to make that distinction so that you deliver only what is relevant.

With printed material, the content carries a physical sense of authority and professionalism. When online, the expectation is slightly different. Your reader either wants to be informed immediately or to discover the reputable source. This is why it is sometimes more cost effective to offer specialist content via a free report in .pdf format or a separate HTML page.

3. News – that is instantly memorable

The decline in newspaper circulation does not mean that you do not want to be informed. Instead, online media means that you can mix and match the way you receive news. If you are happy to receive it in a very granular form, then the smaller the granule the more likely you are to digest other bits.

The BBC News Channel is probably the best example of this. It's brilliant at giving you the facts but giving you the option to go for more detail.

In contrast, most businesses tend to use News as a way of boring the reader about a recent achievement. They go into far too much detail when the focus should be on 'selling' just one or two memorable facts.

4. Lifestyle – that touches the emotions

This type of content is about brand and image. It's designed to appeal at an emotional level so that what is published creates a sense of desire. High street retailers are obvious examples here.

There is minimal copy because the content is image led. Here, the psychology of color comes into stronger play than the use of words. Look at any expensive / upmarket product and often you will see a design that uses a mix of red, black and gold. These are aspirational colors associated with wealth, mystery and luxury.

Lifestyle content is obviously expensive to produce so it needs to be thought of as part of long-term brand value.

Your objective is to be clear about the type of content you are working with and who the target reader is in order to have a 'message to market' match.



Source by Joe Pelissier

Internet Communication

Email, Instant Messaging, Blogs, RSS, Forums and Listservs: What's Next?

How do we keep Internet communication simple? Let's start by taking a look at the different methods used to communicate on the web. It is important to understand the nuances and benefits of the different forms.

Email

This is the most popular communication method. Users typically use desktop software to receive, read and respond to messages. Some users use web-based mail and manage messages in a web browser like Internet Explorer. The downfall to email communication is that anyone can send email messages to anyone else if they have (or guess) the correct email address. This system's Achilles heel is its simplicity and universal popularity.

Email accounts are often banned by spam or unsolicited email. Despite software developers having created complex spam filters and legislators having introduced new anti-spam legislation, the problem persists and spam continues to burden email as a messaging medium.

Email Clients –
http://www.messaging-software.net/e-mail-client-software.htm
Spam Software – http://www.email-software.org/spam-filter-software.htm

Instant Messaging
Instant messaging allows users to "chat" in real time. Users can send text messages to anyone online and receive instant replies if the user is also online. The "instant" fad gave way to parental fears as children made "friends" online. With no way to confirm if "friends" are who they represent themselves to, and multiple security holes, instant messaging has taken a back seat in internet communication.

Instant Messaging – http://www.instant-messaging-software.com

Blogs
Online journals and daily diaries have taken hold. Some blogs are interactive, allowing users to respond and comment on posts. Locating topic-specific blogs that provide relevant and interesting content on a daily basis can be a challenge. The nature of a blog is to contain fresh public content. As our lives become more complicated blogs are often abandoned, as they require constant updating.

Blog Connections – http://www.blog-connection.com

RSS
RSS is the latest messaging medium and shows genuine promise as a means to communicate. RSS files are produced as XML files and are designed to provide content summaries of news or information. The largest benefit to RSS is that it does not have the spam issues inherent to email; users opt-in to the RSS feeds that interest them.

RSS Specifications – http://www.rss-specifications.com

Forums / Newsgroups
A forum is an online discussion group. Forums can be newsgroups, or they can be web-based discussion groups. Forums have proven themselves as valuable business resources – often creating communities of customers helping customers. Without moderation and oversight they can potentially create an unfriendly environment.

Message Board Software – http://www.messaging-software.net/message-board-software.htm

Listservs
Liststervs are mailing list programs for communicating with other people who have subscribed to the same list. Using e-mail, you can participate in listservs relating to your topics of interest. When you submit a message to the server, your message is relayed to all on the listserv. You receive messages from other participants via e-mail.

Yahoo Groups – http://www.yahoogroups.com

What's Next?
Internet communication is intrinsically tied to the hardware options available. Wireless technology has accelerated the development of messaging software, opening the market to a dizzying array of devices for web access. Where we were once tied to a keyboard and mouse, we will soon be navigating the web with our voices from a moving automobile, or browsing via screens in our eyewear, with tiny cameras reading our eye movements to move the cursor and make selections. Our interactive conversations will include more and more participants at once. Evaluating the many options and choosing what works best for you is the first step to effectively communicating on the web.



Source by S. Housley

Counter Surveillance Techniques – Simple Methods That Can Be Used Effectively

Many people do not understand the reasons why they may need to practice counter surveillance techniques, and the people who need it most are often unfamiliar with the equipment required. One misconception that many people hold is that if you're not doing anything "wrong", you have no reason to worry about being secretly recorded. In today's cutthroat economy, this is simply not the case. Unfortunately, in the world of business more and more of your competitors are trying to gain an edge on you by spying and using surveillance techniques.

You can avoid many common methods of surveillance by using some basic counter surveillance techniques. Far too many people underestimate simple precautions such as shredding mail, locking mailboxes, and using a screen saver on the computer. You can take simple steps on a daily basis to help prevent against both surveillance and identity theft, at little to no initial cost. If you continue to be sure that someone is spying on you, you can consider more advanced surveillance techniques and equipment.

Common sense can be one of your best weapons against malicious listening or video capture. Take the time to check your home or business on a daily basis for anything unusual. Even seemingly insignificant differences can be a sign that someone is watching you. Modern spy cameras and listening devices can be installed in a ceiling or wall with only minimal damage that is visible to the naked eye. By being proactive, you can catch a spy in the act before they gather too much essential information about your family or business.

In the workplace, common sense can also help keep sensitive company information private. By taking the time to use simple techniques such as password protection on your files and a screensaver on your desktop, you are protecting your confidential information. Other steps you can take are turning of your computer when you leave the office, being sure your remove papers from the copy machine, fax machine, or printer, and always knowing where your keys or ID badge are at all times. These simple measures may not seem like counter surveillance techniques, but they are! Imagine what a spy could do with the information on your computer, or by using your keys to gain access to your office file room!

If you find anything during your routine checks, you should consider advanced counter surveillance techniques to secure your business. Discretion and common sense can provide some protection, but counter surveillance equipment will be necessary if you need protection from the prying eyes of a determined person or organization. Counter surveillance equipment can be an excellent investment, as it ensures that your private information continues to be private.

Take the time to institute simple counter surveillance techniques today. Using common sense, take a good hard look around your home or office, and see what steps you can take to avoid being overlooked. Protect your informational assets, and you'll be taking an important step toward protecting your business.



Source by Greg Marston

V8 Supercars

V8 Supercars is a touring car racing category based in Australia and some statistics say that it only ranks in popularity behind cricket and Australian Rules. It is the most popular motorsport category in the country and has a steady following also in New Zealand due to a race event being held in the town of Hamilton each year.

Apart from racing in every state in Australia it also travels to Bahrain to race on the Formula 1 circuit there. There are 2 manufacturers involved in the series (Ford and Holden) and are loosely based on the Ford Falcon and Holden Commodore road cars which have been the 2 most purchased cars in the country. This has thought to have resulted in the motor racing term “win on Sunday, sell on Monday”.

There are many famous names associated with the v8 Supercars history (the category itself was originally known as Group A Touring Cars) with the likes of Peter Brock, Larry Perkins, Dick Johnson, Jim Richards just to name a few with the present day names Craig Lowndes, Jamie Whincup and Garth Tander more recognisable in the present day racing.

One of the pinnacles of the legendary category is the endurance race of the year, “The Bathurst 1000” held each October in the town of Bathurst, NSW(obviously). The race is run over the length of 1000 kms around a 6.2 km circuit which to this day still remains a public access road & the only one of its kind in Australia. The circuit itself is known as Mount Panorama and entices drivers from all over the world to test their skills amongst its rural setting.

V8 Supercars only seems to be getting more popular and this has resulted in the sport running 9 months of the year and in 2009 2 new venues have been added to the category. Townville in North Qld will see it’s first race on a purpose built street circuit and the other race will be in Sydney itself at Homebush which is the former sight of the Sydney 2000 Olympic Games.



Source by Adam Tiyce

Home Owners Insurance and Trees – You Love Them Your Insurance Company Hates Them

Coverage for damage caused by trees and for the trees themselves is one of many confusing areas of a Homeowners insurance policy.

Your neighbors’ tree falls and damages your garage, shed and fence.

Will insurance pay for the damage?

Whose insurance should pay?

What will they pay for?

A tree falls in your yard.

Will your insurance policy pay for it to be removed?

Will it pay for a new tree?

A tree limb breaks from wind or a lightning storm and is dangling over your house.

Will your insurance policy pay for it to be removed?

What if it’s hanging over a neighbor’s house?

A tree falls on your car.

What policy will cover the damage to my car?

Is there coverage for the tree removal?

First, the basics; it does not matter whose tree it was. If there is damage to your property (from anyone’s tree) your insurance policy is the one to respond. If there is damage from your tree to a neighbor’s property, their insurance policy is involved. If there is damage to both properties (from anyone’s tree) both policies will be involved and each will deal with its own property only.

The only time a Homeowners insurance policy should be involved with damage to someone else’s property is if there is liability involved. That is if the tree was rotten or leaning and should have been removed or trimmed prior to the damage occurring. Even then the damaged properties insurance policy will generally pay for their customer’s damage and then try to recover their money from the tree owners’ insurance company.

Second, the important consideration for coverage is; what is physically damaged. If a tree, or portion of a tree, falls and does not damage any real property there is no coverage. Real property is any building, structure or contents item it does not include land, landscaping or plants of any kind. A fence, shed, patio, driveway, swing set or bicycle would count as real property.

If a tree falls into your yard and does not cause any damage to the home or any other real property then there is no coverage to remove the tree or for any cleanup. Sorry!

If there is damage to anything such as a fence then the policy should cover repairs or replacement of the damaged item(s) and also limited coverage for removal of the tree. To make this even more confusing; the tree removal coverage is divided in 2 phases.

Phase 1: Getting the tree removed off of the real property is covered with no sub-limit. That is if a tree is on a storage shed then the first stage of tree removal is to remove it off the shed so repairs can be made. The only limit for this part of the removal is the coverage limit on this section of your policy; in this case the Other Structures coverage.

If the repairs to the shed and the tree removal combined are greater than the coverage available then there is an additional coverage available for debris removal. This is 5% in most cases, so if you have $10,000 coverage on Other Structures you can have up to $10,500 for the repairs and tree removal cost.

Phase 2: The second stage of tree removal is removing the tree debris off the premises. This portion is limited to $500 or $1,000, this limit can vary by insurance company, policy type and state involved.

Third, the tree itself is covered in certain limited circumstances and for a limited amount only. The tree is not covered for wind or hail damage but is covered for damage from fire, lightning, explosion, vandalism and vehicle damage (as long as it was not a vehicle driven by members of your family). The limit is typically $500 per tree but can be more on some policies and in some states.

Fourth, If a damaged tree is leaning toward your home or dangling precipitously over your home what is covered? Assuming that portion of the tree has not damaged real property then there is NO coverage. Even if another tree or portion of the same tree has caused damage.

It is your responsibility to protect your property. The insurance policy only covers damage, NOT potential damage. The same is true if one of your trees is dangling over someone else’s property, no coverage for potential damage.

If you ignore the situation and the tree later falls and causes damage to the neighbor’s home their insurance will cover their damage. They will then want to recover their money from your insurance company, or you. This is called subrogation.

If the later damage occurs to your home your insurance company could try to deny coverage because you did not protect the property.

The Homeowners …

Spring Cleaning After Divorce

It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better hearing the birds chirp, smelling the fresh air and cleaning as if it were a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all the emotional feelings like sadness, anxiety and doubt about what you are supposed to next, and consider some of the following tips for your financial spring cleaning!

1. Get your financial house in order. Update your will. Check that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and get rid of non-performing investments (contact your CDFA or financial advisor if you need help). Get a file box or use a file drawer and label your files. Doing this will it easy to find any important financial papers.

2. If you aren’t doing what you love or loving what you do, then prepare to make a change! Update or write your resume. Take some courses and explore new opportunities in your area or an area that you would like to be in. Expect more from yourself. I’m sure you will be amazed what you’re capable of achieving.

3. Review your credit report!! Not only is identity theft a concern today, but so is human error. I recently found that there was a major mistake on my credit report and it took me a lot of time to have it corrected. It is also a good place to see if you or your spouse have any accounts that you were unaware of. If you haven’t already, make sure to establish credit in your name. Open a credit card, or the next time you purchase a car, register it in your name only.

4. This is also a great time to review your benefits at work. If you aren’t involved in a retirement plan, and one is offered, enroll!! If you are already active in a plan, review it!! It may seem overwhelming and out of your comfort zone so consult a financial advisor. Most advisors are happy to review your statements and offer you some advice.

5. I am sure that you just got your taxes done and you are saying, “Next year I will be more organized!” That’s what I said! So go buy a file for tax receipts only! Ask your accountant if s/he can provide you with some areas that may save you money on next year’s tax return.

6. Divorce is a big change and a new beginning. You will want to update your wardrobe, and feel pretty!! I am a big supporter of dressing the way you want to feel!! This can be costly, so make a plan. First, clean out your current wardrobe. There are consignment shops, example: Plato’s Closet, where you can sell your clothes and use that money to purchase new clothes for yourself. If you already have a budget, donate your clothes to women’s shelters. You will feel great about helping other women and they will greatly appreciate it!! It’s a win-win!!

7. Divorce is draining, I know. Emotionally and financially, you feel exhausted. You will need time to rebuild yourself and your finances; start by setting long- and short-term goals (write them on paper). Prepare your new budget and then meet with a financial advisor. You work hard for your money and your advisor can help ensure that your money is working hard for you.



Source by Catherine Shanahan

What Did Men Wear in the 1920s?

Men’s wear in the 1920s is not very different from men’s business attire today. A good suit, tie, hat, and shoes were all a man needed to dress in the day. Evening events were much more formal will full tuxedos even for a dinner party with friends.

To dress like a man from the 1920’s you will need the following:

Suit– Suit jackets were usually single breasted, with minimal buttons, and had an overall loose appearance. Pants were held high on the waist with pleats at the top and cuffs at the bottom. In cool seasons suits were dark grey, blue or brown wile summer colors were white, ivory, pastels and occasionally pink (Gatsby wore a pink suit in novel The Great Gatsby.)

Vest- A daywear vest, if not designed to match the suit, would be a similar shade of color such as tan with an off-white suit, or pastel color with a darker suit.

Shirt- A typical button down dress shirt in white would be most fashionable and comfortable. Collars were “club” style meaning they had rounded edges instead of pointed. These can be very difficult to find today.

Tie- Bow ties were more common then neck ties. Bright solid colors or patterns of geometrical shapes were the height of fashion. Ties were thinner and a bit longer in the 20’s then they are today.

Pocket Square- Also known as a handkerchief, the Pocket Square matched the bow tie in color if not in pattern as well. Pocket Squares were folded in the men’s front jacket pocket.

Suspenders- They not only held up men’s pants but were a fashion accessory. Belts started to be popular only in the late 1920’s.

Hat- Men do not wear hats today as they did in the 1920s. Winter hats included the bowler, flat cap (also known as a cab driver hat), panama (felt), or its cousin the Fedora. Summer hats were made of straw, such as the straw Boater (aka Skimmer) or the Optimo Panama hat. Top hats were still used for formal wear.

Shoes– The final defining element of a man’s dress was his shoes. Two toned spectator dress shoes were the most appropriate. Fringed tongues and wingtips on Oxfords and Brogues were seen frequently.



Source by Debbie L Wells

5 Sexy Dresses From The 2017 Grammy’s

The 59th Annual Grammy Awards brought out the biggest names in music, and with it sex appeal has hit an all-time high for music’s biggest night. We will review the sexiest dresses from this years red carpet. Ladies wore everything from super seductive high-end designer dresses to vintage-inspired gowns. Let take a look at who stunned the crowd.

Jennifer Lopez stunned the crowd in a pink gown by Ralph & Russo. It’s vintage style showed class and sex appeal all at the same time. The slit to show of her legs along with it being sleeveless and showing off her mid-drift had the men in crowd going goo-goo eyed.

Celine Dion wore Zuhair Murad‘s curve hugging long emerald green dress with a high leg slit, with long sleeves and a plunging neckline. Of course you must mention her emerald green matching Gucci sandals and Dvani earrings.

Lady GaGA brings sex appeal to a whole new level in a skin-bearing look wearing black leather mini shorts and a black barely there top that only covered her shoulders and part of her breasts with a black ruffle/feather sleeve. This was by far the most provocative look of the Grammy’s.

Kristin Cavallari has a head turner in a plunging black dress with a tulle accent. This low cut dress showed off more than enough skin to make this list of five of sexy dresses from the 2017 Grammy’s.

Demi Lovato dress was something you would imagine a sex goddess would have wore a thousand years ago. The white stitching of the dress left many little holes throughout with gorgeous little rings holding the stitching together. Although the dress cover her from toe to chin it left much to the imagination. This is what Demi said,”There is nothing wrong with being confident. But there is a super fine line between “confident” and “the guts to wear an elaborate cat’s cradle that barely covers her pubis,” she definitely showed that she is confident and has guts.

These three outfits yes we will call them outfits because what Lady Gaga wore couldn’t be considered a dress, all show major sexy appeal. Every year different celebrities push the limits while others find a more classical medium. Either way all are there to make a statement and soak up the spotlight. With the Oscar’s only weeks away we are sure to see new sexy dresses worn by today’s diva’s.



Source by Jim Shmiver

What Kinds Of Jobs Are There With Nascar?

If you are interested in the exciting world of race cars, perhaps you may be asking the question: " What kinds of jobs are there with Nascar "? There are many types of positions that are available that might be of potential interest to you. The world of Nascar does seem so glamorous and in many ways it is. On the other hand, it is important to also consider that when you find a position that you like within Nascar you will need to be prepared to be on the road regularly if you are an immediate part of the team and away from your home most of the time if you work directly with the race car drivers themselves. The first and most obvious answer to the question "what kinds of jobs are there with Nascar" would be a race car driver. Becoming a race car driver, however, is a dream only obtainable by a few.

Before you can become a Nascar race car driver, you have to not only be an expert driver, you will have to develop a reputation that will attract millionsaires because you have to raise millions of dollars from sponsors to cover the costs of driving the car alone . You will also have to be resolved to the fact that you are undertaking one of the most dangerous sports in the world. Win or lose, you will be in the spotlight even when you may not want to be and, if you are number one, everyone will be driving to make you number two!

You may want to check out the web site of an aspiring truck racing driver by visiting his site below. He has been driving a dirt track racing car for many years but has always wanted to become a driver. Now he is finding out just how difficult that can be when trying to find sponsors and competing with many others before him.

When asking the question, "what kinds of jobs are there with Nascar", perhaps a better option would be to pursue a less risky team job. As a member of the team that serves the NASCAR driver, this type of position would allow you to work along side of the race car drivers or, at least nearby. You would still be able to experience many of the thrills by watching the drivers and by making their success possible, but at much less risk to yourself. You will still have to travel and be away from home many weeks out of the year but you will not need to worry about risking your life.

One very important job is that of a Nascar race car mechanic. Becoming a race car mechanic takes special skills and the ability to work well under extreme pressure. When you watch the races you will see teams of mechanics waiting in the pits for their driver to stop at regular intervals. Each mechanic is assigned a specific job whether it be to change the oil, check the engine, check the brakes, etc. Sometimes though, a driver will experience difficulties during the race and will have to make an unexpected pit stop. If that's the case, not only does the mechanic have to know how to fix a potential problem, but she or he must be able to respond quickly without making a fatal error. This is one team job that is a very high press job that takes a lot of skill and excellent response time.

Click here to visit the dirt track auto racing blog.

What other types of jobs are there within Nascar? Another behind the scenes Nascar team job would be the customer service types of jobs. During the racing events there are thousands of people lining the stands to watch their favorite race car drivers. These events are held outside in bright sunshine and the cheering fans need food and drink to keep them happy while watching the races. Hundreds of people are needed to help serve the people and to work in the concession stands. Many of these jobs are minimum wage jobs but it is a great way to experience the other benefits of being near your favorite race car drivers as well. You may even have the advantage of grabbing an autograph here or there. You can generally apply for these types of jobs at your local race track.

There are many other types of positions that would have been considered to be a team job. A brief overall or mention of some of the jobs would be: the Pitt Boss or Crew Chief who is typically a highly skilled mechanic; the gas man who is responsible for putting gas in the car; front and rear tire variables (yes, you would specialize); and the people who …

Florida SR-22 Auto Insurance Facts For License Reinstatement

Florida Form SR22 is the name of the document that provides verification of required insurance for drivers with a suspended license. Depending on the circumstances, court ordered suspensions have different conditions for the insurance, such as, coverage limits, compliance period, and payment terms. An assigned case number, appearing in the Motor Vehicle Report (MVR), matches insurance policies to drivers requiring SR22. Keep in mind, that a qualified policy may be a car insurance policy, motorcycle policy, or an operator’s policy where there is no vehicle to insure.

Uninsured drivers causing an accident with property damage only, require a Personal Injury Protection (PIP) and Property Damage Liability (PDL) policy, with limits of $10,000 for each. This policy type is paid in full for six months with no option to cancel, has a compliance period of two years, and a case number that begins with 2. When people are injured by an uninsured driver, Bodily Injury Liability (BIL), of $10,000 per person and $20,000 per accident, in addition to 10,000 PIP / PDL is required. This policy type can be cancelled, and the compliance period is three years. Driver license suspension will follow a canceled SR22 insurance policy, unless a new qualified policy has replaced the cancelled one.

After a policy begins, Insurance companies have up to 15 days to electronically submit (file) SR22 to the Florida Bureau of Financial Responsibility. The Florida Department of Motor Vehicles (DMV), usually will not reinstate a driver license until the electronic filing has been received. The entire process is fast and efficient, with the right company, and license reinstatement can be obtained within two days. However, some companies, will generate a “hard copy” for the policyholder, immediately after purchase, and some clerks at local DMV offices will reinstate a license when presented the certificate in person. This is the only way a license could be reinstated the same day a qualified policy is purchased.

in October 2007 Florida Form FR44 replaced Form SR22 for DUI drivers only. The SR22 filing is only acceptable on a Florida insurance policy and a $15.00 filing fee is added to the cost. Multiple SR22’s, or FR44 and SR22, are not issued on the same driver. A new FR44 filing will supersede an existing SR22 requirement. Form SR26 is used to report a policy that cancels which has the SR22 filing. Since June 30 2009 all filings must be done electronically by the insurance company on behalf of the policyholder. The older pink forms given to policyholders, to physically present to the DMV, are no longer sufficient. All SR22 case numbers begin with a one, two, or three, indicating different requirements.

Florida SR22 insurance facts, accurate and updated, are essential information for insurance agents and policyholders. Remember that the SR22 is the mechanism by which proof of insurance is established, and the insurance policy itself is basically the same with or without the SR22. Just like any other insurance policy, how much SR22 insurance costs for each driver depends on the varied and detailed information gathered in the quoting process. Here is one last fact many policyholders have found very helpful: For a number of reasons a scooter, insured on a motorcycle policy, costs far less than a qualifying auto insurance policy or operator’s policy that insures no vehicle at all.



Source by Clifford J Schimek

Auto Insurance Quotes – Advice For Getting an Auto Insurance Quote

Q: I just moved to Kentucky and have two quick questions. First, is auto insurance compulsory in Kentucky? Secondly, do you have any advice on how I can get the best auto insurance quote in Kentucky? Thank you.

A: Kentucky does require you to have an auto insurance policy for any vehicle being driven on a public road. Failure to obtain auto insurance is a criminal offense in KY and can result in loss of license plates, loss of drivers license, and hefty fines. Find the best insurance in Kentucky that you can and make sure your vehicle is insured.

To answer the second part of your question; we do not endorse one insurance company over another. The best advice is to call multiple companies and choose the auto insurance quote in Kentucky that best suits your needs.

Remember, when choosing an insurance company that the lowest dollars amount is not always the best value. Choose a policy that offers the most amount of coverage you can afford. If the total dollar difference is close then go with the company that will offer you the most amount of coverage. Also be sure the company you choose is established so you can be reasonably certain they will stay in business.

Last but not least, one of the best things you can do is compare auto insurance rates online from several different providers. Doing this will ensure that you are covered by the best policy at the lowest cost, and you might just be surprised at how much you can save on your promotions as a result.



Source by David Ackland

Cheap Mobile Mysteries – What is the Difference Between Talk Time and Standby Time?

Capacity of cell-phone batteries?

There are lot of mobile phones today which possesses large capacity and give a lot of cushion to mobile phone users to charge their mobile batteries by taking time. They can give a standby time of almost 20 12-15 hours, though it varies at times depending on the capabilities of a phone. For example cell phones having camera, mp3 player would have low capacity than the ordinary ones. Capacity of cell phone batteries are measured either in terms of standby time or a talk time.

Lifespan in terms of Talk time and standby time?

The lifespan of cell phone batteries are measured in terms of talking duration and standby battery life. They both are essential because talk battery life is obviously a important factor, as mobile phone has been made to communicate with each other, so the talking duration is essential. The more the talk time will be the more its standby battery life will be. That’s why the capacity of cell phone batteries are measured in both terms of talking duration and standby time.

Talk time? What is it?

When you are in the conversation with any contact, it takes the energy of mobile phone battery double of what normal energy is. So that talk time takes more energy and it is essential for a good cell phone to give more and more talk battery life for a user. The talking duration given by a average phone is about 5-6 hours. It depends on the functions of the mobile phone again.

A good talk time is about 5-6 hours, if the cell phone battery is giving less than that it means it has a bad talking duration, and is not enough for the mobile phone user, every time he has to charge his mobile phone quite often which is not good for the life of cell phone battery as well.

Stand by time? What is it?

The overall time that a cell phone battery gives is stand by time. It includes all normal functions and operations of mobile phones like messaging, gaming, or it may be kept without using. Even though it takes energy from the battery and has a time frame which not lasts long for more than 12-15 hours. It is not necessary that if you are using your phone then it will spend it’s energy quickly, it also spends if you kept it with yourself without even touching it.

A good standby battery life is about 12-15 hours. If the phone battery is giving less time than that it means it is not giving a good standby time.



Source by Rose Li