Phoenix Financial Planner

Phoenix Financial Planner A financial planner typically prepares financial plans for his or her clients. The kinds of services financial planners offer can vary widely. Some financial planners assess every aspect of your financial life-including saving, investments, insurance, taxes, retirement, and estate planning-and help you develop a detailed strategy or financial plan for meeting all your financial goals. Other professionals call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products and sometimes products that are not securities.

When hiring a financial planner, you should know exactly what services you need, what services the planner can deliver, and any limitations on what he or she can recommend. In addition, you should understand what services you are paying for, how much those services cost, and how the planner gets paid. Financial planners charge for their services in different ways: some charge either a fixed fee or an hourly fee for the time it takes to develop a financial plan, but do not sell investment products; some are paid by commissions on the products they sell; and others use a combination of fees and commissions.

Financial planners may come from many different educational and professional backgrounds. If you are considering using a financial planner, be sure to ask about their background. If they have a credential, ask them what it means and what they had to do to earn it.

Some financial planners have credentials like CFP certification or CFA (Chartered Financial Analyst). Find out what organization issued the credential, and then contact the organization to verify whether the professional you are considering did, in fact, earn the credential and whether the professional remains in good standing with the organization. For a helpful list of various financial industry credentials (including the name of the issuing organization and any education or experience required to attain the credential), please read FINRA Understanding Investment Professional Designations.

The Certified Financial Planner Board of Standards also has brochures – What You Should Know About Financial Planning and Questions to Ask When Choosing a Financial Planner – that will help you identify a financial planner who is right for you.

Financial planners who give investment advice to their clients must register with the SEC or the appropriate state securities regulator. For more information about investment advisers, read the publication entitled Investment Advisers: What You Need to Know Before Choosing One.

Secrets In Insurance – The Options

Tips and Tricks: Introduction to Car Insurance

Home insurance has become an absolute necessity for anyone who owns a home today. One of the best ways to secure a suitable home insurance quote is to go online and just click for home insurance.

You will find numerous companies offering you insurance quotes from which you can choose one which suits you ideally. You can do this from the comfort of your home without even having to contact insurance agents of different companies.

In any type of business or employment, a person must have some kind of protection and this is true for Pilates instructors whose services are the promotion of good health of their clients, which can be a delicate issue. Instructor insurance policies can cover negligence and trip-and-fall claims of clients. Trip-and-fall claims, as the name suggests, can happen at any given time. Any small trip or slip can threaten your career and ruin a wonderful relationship you have with a client.

The more you look into the various insurance options, the more you will find that you might not have exactly what you should have had all along. Luckily for you though, there are improvements that can be made. Once you start taking a look at all of the different options, you will be able to see what would benefit your company and what wouldn’t. Remember, you have not just the commercial vans to worry about, you also have to worry about your employees as well.

Reviews – Look at reviews that are available online, as there are many different policyholders that have gone to the Internet to talk about their policies. Customer service plays a great role in regards to any sort of medical and health plans, which is why life insurance companies are trying to match quality care with customer service.

Purchasing small business group medical insurance has advantages and there are two main reasons to obtain a group insurance policy. The first benefit is the ability to attract and retain good employees. Competitors who offer health insurance to their employees will be able to attract and retain people who have the best qualifications. The ability to offer health insurance to your employees will ensure that you also can attract and retain qualified people.

What Is The Difference Between Digital Marketing And Traditional Marketing

The next big thing in the marketing world is Digital Marketing. This mode is contemporary, user-friendly and very accessible. Also known as online marketing, this is a way of endorsing products and services using the digital interactive distribution channels. This medium involves usage of modern communication media like internet, mobile and digital outdoor mediums.

The importance of digital media marketing can be ascertained by a prediction which says Strategic internet marketing is likely to replace the traditional tools of marketing in the next five years. A large section of marketing experts believe that this digital interactive marketing medium will make traditional marketing tools appear irrelevant to the new generation media consumer.
Difference between digital and traditional marketing

Gone are the days when internet marketing was considered a stand-alone promotion medium. With increasing reach of digital marketing technologies, online marketing is capable of taking over most of the traditional marketing areas in a digital way. Direct marketing seems to be an outdated phenomenon after internet marketing made its place in commoners life. Direct marketing is now quick, easier, interactive and beyond human limitations with the use of internet marketing tools.

With every passing day, human lives are moving online. Traditional marketing media is losing its momentum. A TV spot, which was considered most effective a few years back, is losing its charm. Today, it is 25% less effective as compared to a situation few years back. Strategic internet marketing reaches the consumers where they are. A recent survey study disclosed that up to 90 percent of the real estate prospective buyers begin their search on the internet. This indicates that real estate companies have no choice but to resort to digital marketing strategies. Internet marketing tools have advantage of easy accessibility. SEO, banner placement, email marketing, social media, PPC and various other online tools of marketing are easy to access at consumers end. The marketers can get the exact figures of hits on advertisements. They can easily figure as to how many of the hits are converted into leads. Whereas, incase of traditional marketing, ascertaining exact figures is a hard nut to crack.

Affiliate Marketing With Ppc, Ppv, Wth!

Internet Marketing is like alphabet soup. Especially for someone just coming into the industry. What do all these different three letter abbreviations mean? It’s pretty confusing, even when trying to explain it to someone. I’m sure you can find some very in-depth articles extolling the virtues as well as the evils of these types of marketing approaches so I’m going to try to be succinct.

PPC stands for “pay per click” and generally refers to advertising that is placed on different sites and locations across the web. The advertiser will be charged a certain amount every time someone clicks on the ad. The trick for the advertiser is getting the visitor to complete the offer whether from an affiliate network or their own product. The BIG trick is paying as little as possible for each click to maximize profit from the offer.

CPA stands for “cost per action” and is the amount earned by an affiliate when a visitor completes the offer. Sometimes the offer can be as simple as submitting a zip code or email address and receiving a small fee in return. Other offers might require purchases or subscriptions and generally have a higher payout. Converting higher paying offers is an art form in my opinion and requires lots of research into keywords, demographics, and good copy writing to not only convince people to click on your ad and visit your landing page, but also to convert your visitors.

PPV stands for “pay per view” and is similar to PPC without requiring a “click”. All that is required is a “view”. In other words, you are charged every time your ad is shown whether anyone clicks on it or not. Because of the volume involved with PPV advertising the costs are usually measured in fractions of cents. It still comes down to finding the right offer that will convert and getting it in front of the right people.

After trying these types of marketing approaches I realized that my personality was not compatible with what I consider “higher risk” marketing and instead of trying to push traffic to my offers, I would rather pull traffic to my offers. Recalling my college physics classes, pulling is easier than pushing although the process may take a bit longer.

Network Marketing

Network Marketing MLM Most people who cannot make it in the marketing world, it is not because they not worth it. There could be so many reasons associated with their failures. This is a field that truly allows you a true financial independency. In networking world we focus our efforts in a word of mouth, one of excuses that people use in this field is, -I can t talk-. Funny that they can say hello to you. It is proven that such statement is used as an excuse. Actually people who say they can t talk are always proving later that they are so good with people. Other people come to networking when they are in complete finance breakdown. Caused by job loses etc. This always raises expectations to maximum as people may already have accumulated debts that they hope to settle. Having analyzed most law complying networks they are proven not to be quick fix money schemes. You need put effort allow growth with time Few expected qualities of a successful networker are, 1.Be patient with your building process it may not be easy at the beginning. 2.Follow formulae created and provided provided to you. 3.Stay focused, motivated and avoid jumping around all networks. 4.If you fall always rise up. 5.Never quit or give up. Due to the fact that network pays over levels, a lot of people confuse it with pyramid schemes. The following few examples distinguish network from pyramid scheme. 1.Network is registered with authorities yet Pyramid scheme is not registered. 2.You will always find a product in Network, yet Pyramid does not have 3.In a Network you can earn while you’re up line does not, in pyramid you cannot earn before you’re up line. 4.Most Networks are easily affordable opposed to Pyramid schemes. A network will help you to build business through communication. It’s a brilliant systematic way that can make you a better person. Good part is a formula to success is always provided to you, yours is to implement it. This makes me proud of being in Network industry, especially being associated with Bluechip Networking company www.bchip.co.za or 0712323333, that has touched so many young, old peoples, students etc.

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

Successful Techniques of Advertising

Everyone brand indulges in advertising. Some brand advertisers adhere to advertise in a customary way while some brands evolve out from the traditional norms of advertising and try different techniques which are out of the box. In this article, let us discuss about 3 successful techniques of advertising which are used by a wide range of smart advertisers in the brand market.

Technique no.1- Generate a metaphor

A symbolic representation of the key idea of the particular advertising communication is quite helpful. You can use images or statements that are completely different but when placed together provide a new idea. Over here you can play with words or with visuals or both. By creating a metaphor you can represent a characteristic or a feature or a benefit or a service of your brand.

A metaphor can be skillfully used to exemplify the brand’s personality. For instance, branding campaign advertising for a summer talcum powder can use ice cube to denote the idea that the user of the brand will feel a cooling sensation by using that talcum powder.

Technique no. 2- Pledge a benefit

Your brand should provide a compelling benefit that your product can deliver. This is because a benefit is something of value to your target group. Before purchasing your product a question arises in the mind of your customers what can this product do for me? The answer should be a benefit. Your advertising campaign should be able to persuade the target group about the benefit of the brand and how it will bring a difference in their lives.

A good example for a benefit ad- Introducing a summer deo which can actually help you stay fresh round the clock

Technique no. 3- Talk about a problem

Everyone has problems. Some products solve them and for this reason they win the faith of a wide range of customers.

A headline for a shampoo advertising campaign starts with something like this Fed up of dandruff Such headline can easily grab the attention of those customers who have dandruff problems and they would sure watch or stay tuned to the commercial because everyone wants a solution for any problem. Later in the ad the advertiser can gradually explain how those customers can get rid of the dandruff problem by using the brand.

To sum up, advertising as a defined tool for brand promotion is open to various other techniques of promoting the brand to its target group.

Understanding Disability Insurance Policy

While a disability Insurance policy provides paycheck protection for common man and makes a huge difference in his life when he has met with an accident or injury, at the same time good companies use it to protect their business and employees during the tough and unexpected times. Learning the basics of disability insurance policy is a must for every person these days. How much is right for you

While you are purchasing your disability insurance policy, you are taking a positive step towards protecting your income. Your financial capabilities usually are the deciding factor on what type of lifestyle you can maintain and determine for what lengths. There are needs assessment calculator available free online to get started or you could also use financial worksheets to begin with understanding your financial capabilities and requirements. The insurance policy you take must cover your monthly living cost, so that during this lean period you and your family are taken care of.

Types of disability insurance policies

While there are various types of disability insurance policies covering and varying at great lengths in the amount of injury or accidents they cover might be different. They are Short term disability insurance policy and long term disability policy. The short term disability insurance might work out great if you are want to be covered from day one of the injury or accident or you want coverage only for a short time till your employer starts paying benefits. This type of disability insurance is also works great if you wish to keep your premiums low. Long term disability insurance works great if you want are looking for life-long benefits. As the name suggests in this type of policy you can be covered for several years after disability. When you should contact a disability insurance law firm

If in anytime you face an accident and may incur sever body damages or injury, it is the time for you to prepare yourself to claim the benefits from the people guilty of such accidents. During such situations things often get difficult as most of us not familiar with the legal and technical language mentioned in your disability insurance policy. A good attorney belonging to a good experienced company will not only understand your situation well but can also provide free consultation/ review on the status of your case.

Visit your nearest Disability insurance attorney to settle your Disability insurance claim

Importance Of Marketing Consultant To Grow Your Business

Be it an online business or traditional roofing, export business; the main motto is MONEY. Money and profit doesnt fall from the sky, but from the customers. Thus to achieve your goal in business you must have more customers that too loyal ones. Now that we know customer is the essential ingredient in ones business, what makes us get more customers or to retain the existing ones? Advertise. In other words market the products to the customers.

In your business you may recruit quality software professionals for system related work, security official for security, workers for production etc, but why not a marketing consultant for marketing? Most of the people think marketing can be done by some of the workers itself or by some advertising agent. However this misconception leads to erroneous results. Marketing is as important as the production, design, export, sales etc. Unlike agents who are middlemen between your company and the ad agency, marketing consultant is the one who has education and experience in the marketing field.

Marketing consultants must be recruited in the company because they not only help in marketing products but also suggest tips and tactics to improve the marketing strategy of the company. Their only job is to promote your products and increase the prospective customers. Since they are consistently in the marketing environment, they know the recent trends and the competitors, thereby improving your business by their marketing skills.

They provide new ideas because their basic education for marketing would have made them creative, innovative. Apart from providing ideas and marketing strategy, they dont hesitate to go from places to places or website to website, to social networks to promote the company. Additionally a marketing consultant would have a lot of acquaintances and contacts than you, hence when he promotes through his social networking profile then there is likely to be more response, than promoting normally.

Finally, marketing consultants are a pleasant plus to your business and recruiting them will improve your business and assure its growth by all means. If your business is small scale one (online or traditional) then your ultimate option for marketing should be through marketing consultants since they find you customers at the initial step, which may be an useful step initially, that will give you profit on the long run.

Alternative Advertising Spotlight Semi Truck Advertising

Advertisers are looking to influence millions of consumers each and every day, but stationary advertisements can often only reach a certain amount of people. Semi truck advertising is an alternative advertising outlet that is able to target any market in the United States. Through vinyl adhesive-backed graphics, this mobile OOH advertising allows your message to remain fresh to a wide audience throughout an entire day.

With alternative advertising, it is important to consider the essentials of everyday life, such as driving. Naturally, most people have to commute to work or simply drive for just about any other reason. semi truck advertising allows your brand to be accessible to those drivers in a clear message.

How to Measure this OOH Advertising medium –

The market coverage of this out of home advertising can be tailored to match the specifics of what you want, whether it’s county, zip code, or trade area. Routes are analyzed to determine how to find you the best value that will extend your brand.

Monthly tracking reports, media test research, and client case studies are all available to help measure this OOH advertising medium, as you will be able to determine the ideal truck routes to use based on your product and what kind of potential customers you aim to reach.

Benefits of This Alternative Advertising medium –

The value of semi truck advertising is understated, simply because your advertising will be placed on an existing – even better, mobile – property, thus keeping the costs cheap. For your money, a fresh audience will be continuously exposed to your brand.

Where Can I Utilize semi truck Advertising? –

One of the major benefits of semi truck advertising is its ability to reach any potential market in the United States. The mobility of this type of OOH advertising allows your brand to expand to markets that you had never previously considered in a cost-effective manner.

With semi truck advertising, you do not have to pay extra for the implementation of the technology that goes into digital ads and other forms of alternative media. semi truck advertising is a traditional form of advertising that still accomplishes the same goals of reaching a wide audience through alternative means, but with a twist: few forms of alternative advertising allow your brand or message to be conveyed to such a wide variety of people at all times.

If you are looking to develop new advertising strategies which include tapping into new, potentially nationwide markets, semi truck advertising could be an OOH advertising form that’s right for your business. This valuable outdoor advertising space will attract new customers in different markets for an affordable price.