How to Get Affordable Car Insurance in Ohio

People who live in the state of Ohio may be in for a surprise when they open their mailbox. In this state the Bureau of Motor Vehicles sends out 280,000 requests a year to see proof of insurance. Once someone receives one of these notices in the mail they only have three weeks to prove they have insurance. Although it’s obviously mandatory to have car insurance, some people forego it because of the price. There are ways to find affordable car insurance and some are not things most people are aware of including:

o Using one insurance company for all your policies including car, home, health and life. Insurance companies give discounts to individuals who purchase more than one type of insurance from them. Ask your health insurance or life insurance agent about a quote for car insurance.

o Buying a car that costs less to insure. Most people never consider the insurance costs that are associated with a particular type of car before they buy it. Call several insurance agents and ask for quotes on a car you are considering buying. You may be surprised to learn exactly how expensive it is, and if you find this out before you finalize the sale, you can save yourself a lot of money.

o Mention that you have a car alarm or consider getting one. A car alarm is a great idea for many reasons including the reduction you are likely to experience in insurance costs. Any effort that you make to keep your car safer is viewed in a good light by the insurance company. You’ll have to be prepared to show proof that the car alarm system is indeed installed.

The most important factor in determining your car insurance rates is likely your driving record. If you have been in more than one accident in the last few years or you have a pile of speeding tickets with your name on them, you are obviously going to have a more difficult time getting an affordable rate. If this is the case, make a resolution to start driving safely now and you’ll see your rates steadily drop.

How to Get a 700 Plus Credit Score With One Small Key Ingredient

Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!

First, it’s important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think credit cards). Too much revolving debt will lower your overall score.

Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you’ve wanted. It also gives you options and freedom.

Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.

Another tip on how to get a 700 plus credit score is to keep your balances on your credit cards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.

Finally, try not to apply for new credit if you don’t need it. Those store credit cards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.

If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.

The Art of Branding Yourself

Lately I've been hearing a lot about the idea of ​​branding yourself. I found an article from Investor's Business Daily that talks about the Art of Branding Yourself in Business.

The author, Gary Stern uses David Bach, the author of books like Smart Women Finish Rich and Automatic Millionaire, to illustrate the idea of ​​branding yourself.

Bach did not set out to be the Wells Fargo Investment guru. As a CPA he wanted to teach financial seminaries to women, mainly widows and divorceses. Thus he wrote Smart Women Finish Rich, because his passion was teaching people about money.

Bach says "I wanted to bring my message to millions of people, change their lives by making complicated issues simple and get people to take action. make an impact. "

David Bach had the ability to teach people about money. This is where he felt he could add value to his clients. This was his brand.

Stern quotes Rick Haskins (Author of "Brand Yourself") that "Since Corporate America has exploited many people, attaching a name and a face to a brand is becomg more important."

This is so true is not it? People have no idea who to trust anymore. By branding yourself as an expert and as someone who has truly had their clients best interests at heart, you will become trustworthy in their eyes.

So how does this relate to you and your MLM business?

Here's a fact. For the most part people have a preconceived awareness of what an MLM or direct sales business is. Their mom was in Avon or had a cousin in Amway or something. So if your prospect has seen these people do it, and fail, then what do you have to offer them?

This is where most people begin to start selling their business opportunity. "We're debt free," or "We're ground floor" etc.

In your prospect's mind, he's saying "Who gives? How are you going to help me succeed?"

See, where most people start selling their business opportunity, this is where you should start selling yourself, selling your brand.

"I can help you because …"

"I have your solution …"

This is what Bach did for his clients. He welcomed on his knowledge and showed that he was out to help his client. Bach had their best interest at heart.

The best way to start your brand is by becoming an expert about your business opportunity and your products. Why? Because knowing this will allow your prospect to trust you and, most important, follow you.

Here's the list of strategies that Stern says has worked for Bach:

1. Tap your passion: Identify your own passions and purpose in life.

2. Become skilled at generating publicity: This is getting your name out there. You can easily do this with Google AdWords or using Internet Marketing strategies, like Magnetic Sponsoring.

3. Keep it Simple: Stick to the basics by only focusing on what your client / prospect wants and what they need to do in order to get what they want.

4. Evolve the Brand: Start with a niche then begin to expand into other niches. When you become in expert in say home care, then become an expert in nutrition and service those type of clients.

5. Create Multiple Revenue Streams: What is meant here is create multiple revenue streams to your business. You can do this with affiliate programs. Or you can market your own information product like an ebook or brochure about your business opportunity.

6. Secure Sponsors: Again this refers to affiliate programs such as Magnetic Sponsoring. You can use Dillard's information product as tool to help grow your business and get clients.

7. Know your target audience: This is critical. Your target prospect is not your uncle who's plopped in front of the TV right now. Look for people who are looking for your products or your business opportunity.

These strategies are just a thumbnail sketch of what you can do to enhance your business. Obviously when you go into depth in each of these strategies there is a lot to learn. There are plenty of resources out there to help you grow your business.

A true entrepreneur will do whatever it takes, right?

Remember to add value to your prospects by explaining what you have to offer them.

How the Internet Affects Traditional Media

Traditional Publishing, REST IN PEACE

This is the headline that greets you when you land on a web page erected as a memorial to commemorate the decline of Traditional Media. A photograph of a man who seems to be in distress and who’s possibly just lost his job accompanies this headline. If this does not paint a bleak picture, go on to read the 548 headlines that all sing to the same tune as the following:

  • Bad Times: NYT Says Revenue Fell 13.9% Last Month

    – Forbes.com

  • Men’s monthly magazine Arena to cease printing after 22 years

    – Guardian.co.uk

  • Cosmopolitan UK publisher to cut 100 jobs

    – Guardian.co.uk

There’s even a website entitled Newspaper Death Watch that chronicles all the publishing and newspaper houses that close down. All rather morbid wouldn’t you say?

The Deadly Spell

Let’s take a quick look at Traditional Media and how the Internet cast it’s deadly spell.

Back in the old days, we’re talking 500 years ago; Gutenberg revolutionized the printing industry by inventing the printing press. This meant bibles could be produced at a fraction the time it used to. This also meant more copies in a shorter time and the Word of God got further reach in a shorter time. Newspaper houses and Magazine publishers still use a printing press today (well thank you captain obvious).

Much later, shortly after the advent of electricity, the world was blessed with another few media breakthroughs, namely radio then a few years later, television. Marketers and Advertising agencies had it all figured out as they devised Integrated Marketing Campaigns with astronomical budgets. Ah, the good old days. Well, much to the dismay of many of these agencies, this media landscape started to change.

Behold! Enter The WWW

At first a website was seen as a cute way to put your company brochure online and on top of that the disastrous dot bomb era created skepticism that labeled the Internet as a bad media and business channel.

Fortunately, since then the Internet has matured. Now, in countries where broadband has achieved high levels of household penetration, the web has become the consumer medium of choice.

Why? Because people can do research, shop online, watch videos and connect with friends all in the comfort of their own homes. People can choose what media they want to consume, where and when they choose too, especially with mobile connectivity. Marketers can no longer dictate what advertising messages people get subjected too.

Social Media, The New Black

Then there is the phenomenon of Social Media. It changed the media landscape forever. Social Media websites have allowed consumers to connect with friends, family, colleagues and peers in ways that were never imaginable a few decades ago.

Technology has empowered the consumer to become the Prosumer. Prosumers are consumers who produce content such as videos, photos and blogs that can be instantly distributed and shared amongst millions of people via social media platforms. This is also known as user-generated content or UCG.

Here is an interesting bit of trivia about the reach of Traditional Media vs. the Internet and Social Media.

Years it took to reach a market audience of 50 Million:

  • Radio – 38 Years
  • TV – 13 Years
  • The Internet – 4 Years
  • The iPod – 3 Years
  • Facebook – 2 Years

So How Does The Internet Affect Traditional Media?

The Internet has decreased the need for Traditional Media because it enabled consumers to join social societies within their neighborhoods, across their countries and internationally. It has empowered them to converse at their leisure, 24/7, with friends.

Considering all that’s been said, the demise of Traditional Media can largely be attributed to the following factors:

  1. Decline in readership: The distribution of free news and information on the web has led to the decline in readership for traditional publications.
  2. Decline in revenues: The decline in readership means advertisers will spend their money elsewhere and this leads to a decline in ad revenue.
  3. Real-time updates: Traditional Media can’t compete with instantly updated user-generated content that’s immediately available for the world to see.
  4. The rise of UGC websites: People have the freedom of unlimited real time commentary on content while Traditional Media is static and is a one-way communication tool.
  5. Online Audio/Video channels: People can choose what they want to watch and listen, when they want to and where without any advertising interrupting their experience.

Simply put. The Internet has revolutionized the way things get done today. It has revolutionized the way we do business, the way we communicate and has broken down the walls of Traditional Media.

A recent example is the decision by Unilever UK to fire Lowe, their Ad agency of 15 years, in favor of crowdsourcing – which means it has thrown the brand creative pitch open to agencies and basically any person who can think of an idea, worldwide. This is done on the Internet of course.

Traditional Media will still be around for a while, but the Internet is getting more and more integrated into our daily lives.

Think about this. You could do without the Mail & Guardian or the MensHealth Mag for quite some time, perhaps live quite happily without it? But you just dare cut that ADSL connection…