Email Marketing – The Pros And Cons of Marketing With Email

Many small businesses are considering jumping into the world of email marketing. Email marketing has many different advantages, but it also has a few drawbacks that you need to keep in mind. The truth is that when utilized in the correct fashion it can be an extremely powerful and cost effective way of promoting your business and producing more sales. Once you learn about the pros and cons of email, you will be able to begin your own campaigns and get started down the path towards increased success and profitability.

The Advantages of Email Marketing

There are several key benefits to running an email marketing campaign. One of the most important is how cost efficient is can be. There is no other form of direct marketing that is as cheap as email marketing is. A 2005 study by the Winterberry Group found that for every dollar spent on email marketing, $15.50 was earned in return. There is much relevant data pointing to email marketing having a superior ROI than telemarketing, direct mail campaigns, radio or billboard advertisements and more.

Another advantage that email has is that you can quickly get your message across, and you can reach your customers and prospects in a place where they are comfortable communicating. If you have an idea for a new sale or promotion for the upcoming weekend, you can inform all of your customers about that immediately. With print advertising, traditional direct mail or anything else, the turnaround time could be days or possibly even a week or more.

One of the real strengths to running an email campaign is how effectively you can track the results that it produces. You will be able to see every click that is made to your website as a result of the email, and you will be able to see statistics such as how many people read the message, how many times they read it, if they ended up making a purchase and on down the line.

There is no other form of marketing or advertising that produces such an array of in-depth statistics. It’s an invaluable way to track your marketing efforts, and make the most out of every dollar you put into promotion.

Finally, another important advantage to email marketing that you will want to remember is that it’s the perfect way to convert prospects over a long period of time. No matter how great your products or services may be, not every person will be immediately ready to make a purchase or investment. Email marketing is the perfect tool to continue chipping away at those prospects over the long haul. By developing a relationship with each prospect and providing them with useful information, you will gain their trust and stay at the forefront of their mind.

The Disadvantages of Email Marketing

The largest disadvantage of email marketing is that so many people today are fed up with spam. All of our accounts are flooded with wasted emails everyday, and it’s a worldwide plague of the largest scale. Because of this, many people are wary about opening up emails from businesses, or about trusting anything they see in their inbox.

You can help combat this problem by being as transparent as possible. This means making it easy for people to see who is sending your message and what it’s about. It also means ensuring that all of your email addresses are used with permission, and you never purchase a list or steal addresses from another website.

Another disadvantage with email marketing is that far too many small business owners or managers know how to make a campaign work for them. Perhaps they try using gimmicks or copying an email that somebody else sent out. However, a much more effective strategy is sticking within your own identity, playing to your strengths and providing your prospects and customers with exactly what they are looking for.

Making Email Marketing Work for You

The bottom line is that the benefits of email marketing far outweigh the disadvantages. It’s all about learning how to run your own campaigns in the right way, and for maximum success there will be some trial and error as you traverse that path. By not utilizing email campaigns you’re missing out on a huge opportunity to help your business become more efficient and more profitable.

The Life, Times and Clothes of Vivienne Westwood

Vivienne Westwood is today famous around the world as one of the most cutting edge and out there designers of our time and is credited with bringing many subcultures in the world into the mainstream and integrating the design elements from all these subcultures into her fashion collections much to the acclaim of fashion critics and the general public as well.

She is most often credited and quite rightly so with being the person or the fashion designer who has almost single handedly bought the punk and new wave subcultures and their unique design elements and styles into the world of main stream fashion.

Vivienne Westwood has now been putting fashion collections on the ramps of fashion weeks for nearly thirty years as this year will be the thirteenth anniversary of the first time that she showed a fashion collection to the world. In 1981 she showed her first collection in a catwalk show and the theme that she chose for the collection was pirates. In the following years which include the rest of the nineteen eighties and the beginning of the consequent decade, she released fashion collections one after another to ever increasing applause and appreciation from the fashion world and she calls those years the pagan years.

During this period Vivienne Westwood took her inspiration from everything from punks to ragamuffins and even what she calls in a phrase that she covered herself, Tatler girls. She has received a lot of recognition for her services to the world of British fashion in particular and the fashion world in general as well. Not only has Westwood won the designer of the year award many times, she has also received some of the highest honors awarded by the country of England and has been awarded an Order of the British Empire for her services to fashion as far back as nineteen ninety two. A few years later in recognition of her continuing services and ever cutting edge styles and fashion collections, the OBE was changed to an even higher honor a DBE in the year two thousand and six.

Today her clothes are sold around the world as well as in three exclusive shops in London as well as one in Leeds and one in Milan in Italy. The best place to look at her is fantastic creations though is still online at a reputable online retailer that will always have the latest pieces available at the best prices.

Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.

An Overview Of The Benefits Of Transcutaneous Electrical Nerve Stimulation

The acronym for Transcutaneous Electrical Nerve Stimulation is TENS. This is a pain relief method that involves a device that transmits electrical impulses via electrodes on the skin to a specific area of ​​the body that is painful. It is useful for the relief of acute and chronic pain. Electric stimulation for pain management goes back to the Ancient Greeks and, more recently, Benjamin Franklin was a great proponent of the concept. However, the first patented modern machine made its debut during 1974 in the USA.

TENS has proved to be effective for many types of pain. It is commonly used during childbirth, after surgery, for bursitis, tension headaches, tendonitis, cancer, chronic wounds, arthritis, migraine headaches, injuries, and other painful conditions. Medical practitioners believe that the technique stimulates the body to produce endorphins which are natural painkillers. However, they do not claim that this therapy addresses the root cause of pain. Its primary use is to offer short-term relief while healing is occurring.

A TENS device enterprises of an electric unit that is connected to electrodes. These are attached to the skin near the targeted area. When the device is switched on, a low-voltage current is delivered into the body. During therapy, the patient will feel a warm, tingling sensation.

A session usually lasts between 5 and 15 minutes. Treatment may take place as often as necessary according to the severity of the pain. TENS can best be described as an electrical massage. It is widely used by physiotherapists, massage therapists, and chiropractors. Portable systems are available so that patients can apply the therapy at home.

In the USA, there are over 100 different types of portable TENS machines which have received approval from the Food and Drug Administration. However, the public may not use them unless authorized by a medical practitioner. Some units deliver the electrical impulses via acupuncture needles. This method has to be performed by a qualified health care practitioner.

Research indicates that TENS therapy has shown some efficiencies with cancer patients, especially those who have neuropathic pain which is related to nerve or tissue damage. In such cases, TENS works best when combined with medication. It has shown to be particularly helpful to relieve painful bones and muscles after major surgical procedures.

Patients who are allergic to adhesives may react adversely to the electrode pads. This therapy is not suitable for patients who have heart problems. Also, it should not be administrated to people with implanted defibrillators, pacemakers, infusion pumps, or any other internal device that may malfunction due to the electrical current. If a woman suspects she may be pregnant, she should advise the practitioner because the effects on an unborn fetus are not yet known.

Transcutaneous Electrical Nerve Stimulation is otherwise considered to be safe. Anyone applying the treatment at home should take care that the current is not too intense because it may irritate or burn the skin. Never place the electrodes near the throat, brain, heart, or over the eyes. Always ensure that you know how to operate the device correctly and that you have received instruction from a professional practitioner.