Supernatural Marketing

“Make the HEART of this people fat, and make their EARS heavy, and shut their eyes; lest they see with their EYES, and hear with their ears, and understand with their heart, and convert, and be healed” Isa 6:10

“For this people’s HEART is waxed gross, and their EARS are dull of hearing, and their eyes they have closed; lest at any time they should see with their eyes, and hear with their ears, and should understand with their heart, and should be converted, and I should heal them” Mat 13:15

There are three dimensions of marketing: FrontDoor Marketing, BackDoor Marketing, and Supernatural Marketing. Much of what is known and practiced in the marketplace is FrontDoor Marketing! Very little is known of BackDoor Marketing and much less is known of Supernatural Marketing! In marketing generally, the “Eyes,” “Ears,” and “Heart,” of potential customers are the major targets of all marketing efforts!

These three targets hold the key to prosperity and lack for businesses and their products and/or services in the marketplace! If these three important targets of your potential customers are closed against your products and/or services, you and your business will suffer neglect, lack, insignificance, and poverty in the marketplace! Conversely, if these three targets are opened in favour of your products and/or services, you and your business will enjoy unprecedented patronage, abundance, significance, and prosperity!

Satan has a mandate to close the “Eyes,” “Ears,” and “Heart,” of potential customers/clients in the marketplace against your business, products and/or services because you are a Christian doing business in the marketplace! This explains why many Christians struggle with business in the marketplace! Supernatural Marketing seeks to help Christians doing business in the marketplace to overcome this siege of the devil.

Why The Ears, Eyes & Heart Of Your Potential Customer Is So Important!

There are six fundamental reasons why the Ears, Eyes & Heart Of Your Potential Customer Is So Important!

Let’s check them out!

1. VISIBILITY

The first purpose of marketing is “Visibility.” Marketing makes your product or service perceptible or noticeable to the eyes, ears, and mind of your targeted client or customer, depending on the medium you employ. The eyes and ears are gates to the “Mind” of man. The more people see or hear about your product or service, the more it is ingrained into their mind until it is deep-rooted. Because your product or service is a seed at this initial stage of marketing, it soon begins to germinate when your marketing efforts is sustained.

If an organization sustains its marketing effort, before long, it would bear fruit. Take note, human response rate differ according to their personality. The reserved (introverts) ones are laggards, they are naturally inclined to foot-dragging. In contrast, the outgoing ones (extroverts) are naturally inclined to respond first to your marketing effort.

The above reasoning presupposes that if you do not embark on a sustained, focused, and targeted marketing, the public will be oblivious of your product and services and that could translates into eventual stagnation or collapse of your business.

2. AWARENESS

Visibility of your product or service in the mind of your targeted customer over time creates a consciousness or awareness in the “Heart” of your targeted customers when sustained and spirited marketing is the watchword. Remember, conviction takes place in the heart. Until the customer is convinced in his or her heart to accept your product and service, there will not be patronage and repeated buying, which is the goal of every entrepreneur.

When you emphasis the unique value proposition or unique selling point of your product or service long enough through sustained marketing, your target group will understand its usefulness and this is how a market buzz and frenzy is created.

When the public are persuaded in their heart that your product or service is the first and best choice, they’ll respond voluntarily and positively to your organization’s offerings and that is what eventually attract your clients to you, when he or she have “Genuine” need of your product or service.

3. CONVICTION

When your product or service is projected strong enough in the minds of your target customers through sustained marketing; it gets ingrained in their minds! After sometime, because the product or service remains constantly in focus, he begins to believe the benefits of the product or service is real. It won’t take long before he receives a suggestion from his mind to give the product or service a try.

Unconsciously, the customer has accepted the product or service because of the conviction in his mind that the product or service is worth giving it a try. Now, at this point, if the product or service is worth its salt, when the customer gives a try, he is convinced that the product or service is worth it. When the customer makes another effort to patronize the product or service again, he will be hooked because in the mouth of two or three witness, every product is established in the heart of the customer!

4. ACCEPTANCE

The resultant effect of visibility, awareness, and conviction of your product or service by your targeted customers is a positive “Mental attitude” – created by the Holy Spirit – that your product or service is believable, credible, and trustworthy and therefore, the customers accepts it as true and eventually prefers it above other products and services.

The question you want to ask yourself is, when people generally think of using the kind of product or service you are offering on a scale of 1 to 3, where does your offering stand. Instructively, the product or service that occupies the first two rungs of the scale will be more favoured in the order of their standing. It is your responsibility to get your product or service to this position!

Assuming the product you’re offering in the marketplace is a detergent and we have 50 potential customers in your “Coverage area” – and that varies in scope – that wants to buy one each. When they think in their mind of the best and preferred detergent to buy, where does your company’s brand stand in their mind? Where your brand stands in their minds, will be determined by three factors: the quality of your marketing, the quality of your product, and your customer service.

5. BRANDING

Sustained marketing gives your product or service a positive flight that galvanize it above others in your industry. Persistent marketing ingrain your brand permanently in the heart of your target customers. When the image or brand identification is ingrained in the hearts of your targeted customers; after they’ve used your product or service and found it satisfactory, they’d over time become habituated to it, which makes it a first choice in their decision making process.

6. SPREAD

When steps, 1-5 assumes a rhythmic flow in your business efficiency and effectiveness, your products and services will begin to find its way to more home, hands, and families. Over time, your product or service distribution begins to expand and extend over a wide sphere due to visibility, awareness, conviction, acceptance, and branding.

Your customers will begin to do word of mouth publicity of your products and services to friends, neighbours, and family. This is because they are satisfied with your product or service, because they believe that your organization have delivered on its promises!

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The 10 Most ANNOYING Marketing Buzzwords

Calling all marketers! Get ready to disrupt (yup, that’s one of them) your digestive tract with marketing clichés that will make you puke. These marketing buzz terms are polluting creative minds everywhere – and there might even be scientific evidence linking these cringe-worthy catchphrases to Millennials’ intense feelings of “I don’t want a desk job”. It’s certainly possible. However, for everyone else, can we make a pact?

As fellow marketers and creative professionals, let’s kindly retire (or extinguish) these irritating phrases so we can all evolve past this “noise” cluttering our industry. Are you with me?!

1. Disruption

First, let’s be clear. “Disruption” is really more of a business term. It describes a market condition that takes place when an existing market collapses and a new one emerges. It’s actually very similar to “Disruptive Innovation” which happens when a new market comes to fruition entirely. Uber might be a great example of both – depending on how you look at it.

However, when this “Wall Street” phrase ended up leaking all over Madison Avenue, “disruption” and “disruptive” became overly used, watered down terms that essentially started to mean nothing.

Certainly “Creative Disruption”, might have a place, as it refers to exposing business model flaws and promoting big changes in consumer behaviour (in the creative sense). However, I can’t help but wonder whether some Agency Account Director just throws out “disruptive” terms just to win some big account. I mean, come on. Disrupt what? Isn’t it our job as marketers to change consumer habits and get noticed?

2. Growth hacking

Okay, I realize that “hacking” is supposed to mean “coding” in this sense (not cutting down), but this phrase sure does sound like an oxymoron to me!

Popularized by Sean Ellis and other techies in the early 2000s, the term was meant to describe non-traditional ways to achieve growth through experimental marketing strategies and emerging technologies. READ: this is also a glorified way of describing underpaid “bootstrappers” (oh, but with equity of course!) trying to unlock the key to “crowd culture” (yawn).

Perhaps growth-hacking was a relevant, meaningful term 15 years ago, but not today. Most marketers are expected to (magically) achieve growth with technological brilliance and creativity because it’s our job. Sound like a lot of pressure? Well, welcome to marketing.

3. SoLoMo

Oh no-no. If your ears have not been scarred yet by this irritating term (in what seems like “slow-mo”), it means “Social-Local-Mobile” as if this is some genius concept or secret to being relevant. So, please, don’t use this catch-phrase. Ever.

4. Actionable Insights

Actionable? As opposed to “Well, we learned something today, and we’re not going to do anything about it”.

I mean, am I missing something? Where does one look for “actionable insights”? Is this something people need in addition to regular insights? For example, if I’m comparing landing page performance in The Marketing Manager, and I see one campaign outperforming the other, I think I know what action to take. Do you?

5. Seamless Integration

If you work in the tech sector, I bet you are emphatically nodding your head “yes”. This godawful term is about as common and meaningless as your vendor saying “we have an API” when asked “does your product do (xyz)?”.

In fact, let’s just throw in some puzzle pieces to truly visually convey (because we’re idiots) that our software seamlessly integrates (puke) with boredom and clichés. After all, we need to “scream” that each piece of our ho-hum app actually functions when interfacing with some other random technology.

And while this style of tech marketing seems awfully common (more like ubiquitous), to me, it feels rather ironic. After all, I’m pretty sure that puzzle pieces have jagged, noticeable edges. Don’t they?

Besides, there is no such thing as “seamless” integration. It takes work and maintenance for two tools to “talk” to one another – and you (the consumer) get to pay for it. There you have it.

6. Turn-key (and everything “key” in general)

Let’s face it. If someone offers you a “turn-key”, “off the shelf” solution, does it make you open your wallet? Personally, it makes me turn into a glazed-over zombie. Why? Because even if something is difficult, a brand will either never admit it or up-sell you the “turn-key” solution (rigor mortis setting in).

Now of course, I understand that this term was once synonymous with “effortless”. Nevertheless, it has since evolved into a useless adjective that lazy marketers use to describe some blah-blah-blah with blah-blah-blah. That being said, I propose we lock up this useless adjective (pun intended).

In fact, as long as we are stuck on cliché doorway analogies, can we please also stop saying [anything]gate to describe a conspiracy theory? Maybe I’m being unreasonable, but I would love it if people could coin something new. After all, the key (cringe) to creative marketing is to explain concepts meaningfully. That’s why “turn-key” is no longer descriptive; tell me WHY something is so effortless – in an engaging, concise way. Does this sound difficult? Well it is. That’s why creative people have jobs.

7. Content Is King

Yawn. “Content is king” and “(whatever) is queen” sounds like a big, gay party – but everyone’s really bored with it.

It’s no mystery. Live sports and fan favorites like “The Walking Dead” keep Cable television in business. After all, those Cable bills are expensive! Perhaps that’s why this cringe-worthy, irritating phrase simply won’t die; decision-makers in the media universe are ignoring the fact that modern consumers are stingy with their time. How else can we explain this endless sea of boring content?

Maybe I’m wrong, but here is my understanding of modern consumers (who all have built-in A.D.D)

AWESOME content = I will only tolerate ads if they cannot be blocked. And if I really hate ads, I will PAY to have them blocked – so please stop forcing these painful pre-rolls and what feels like 10-minute commercial blocks on me.

BORING content = I hate you for wasting my time – also known as “get out of my in-box” syndrome while emphatically clicking “spam”.

Assuming that the media gods disagree with me, I believe this painful phrase will continue to exist.

8. Advertainment

Speaking of “content is crap”, marketers make up stupid terms like “advertainment” to seem like they’re solving some really big cultural problem – but they’re not.

“Advertainment” is essentially just an annoying way to explain “branded content”, product placement or flat-up fantastic marketing in disguise. I understand the concept, but here’s the problem: if you call your own work “advertainment”, you sound like a pompous fop.

Don’t get me wrong – some marketers have managed to make advertising very entertaining, including Red Bull with their adrenaline junkie videos, and AMC with their Walking Dead and Mad Men apps (also known as “gamification” – which theoretically could make this list).

Nevertheless, does “advertainment” really solve a problem? I guess so, but can we please not call it that?

In all seriousness though, if you are a marketer that somehow figured out how to move product without annoying people, congrats. This is an achievement. I’m serious.

9. Ecosystem (to describe everything)

Are we a bunch of ants stuck in a science class diorama demonstrating seamless integration (see term #5 above)? Silicon Valley seems to think so.

We hear this word a lot, especially when some “thought leader” (yawn, could also make this list) is ill-prepared to answer a tough question in a meeting.

“Well you see [insert CEO name here], our next step towards changing consumer behavior patterns is to move the social conversation to the Internet-of-Things ecosystem,” said the slightly hungover marketing executive recovering from last night’s vendor bender.

Look. We’ve all been there, but the use of the word “ecosystem” is starting to feel out of control. Somehow, everything can arguably be an ecosystem, including that Chia Pet they sell in Walmart. Do you see what I mean? Germination. Photosynthesis. Whatever. And it all brings me back to where I started: my seventh-grade science class.

10. Snackable Content

Doesn’t this phrase make you want to vomit? Personally, I find it nauseating, but here’s some “food-for-thought”: the term “content consumption” is actually the mothership concept that spawned this ugly-duckling buzz term. All it means is that time-starved consumers prefer concise headlines, bullet points, easy-to-read lists (unlike mine), and pretty much the opposite of heavy, homogenous-looking text. Makes sense.

Nonetheless, isn’t it amazing how unappetizing this trite phrase sounds? I actually almost puked (in a good way) when Grant Higginson of Welby Consulting tweeted it to us during our “Tweet the most annoying marketing buzzword to win a drone” contest. Needless to say, he won.

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A Mental Resource For Home Based Business Success

The chances for developing our house business accomplishments are completely reliant upon us. The “mental perseverance” used to the advancement of our online business will determine success or failure.

Where is our confidence level?

Do we say “I believe I can do it” or “I understand I can do it”? Before developing a home based business, we need to convince ourselves that success will happen. We need to build the structure for success from the beginning of our web venture.

How is our determination?

When developing the chance making cash online, we will meet a variety of obstacles. These barriers resemble the obstacles in our individual lives. Do we take a look at these challenges as finding out experiences or do we want they would go away? Do we have the stubbornness to go eyeball to eyeball with the circumstance or do we want to stop? This stating is old however true: “When the going gets tough, the tough get going”. The success of our home business depends on the capability to deal with trouble and persevere. Bend but do not break!

Do we have endurance?

The opportunity for home based business success rises in direct percentage to our endurance. Exactly what takes place when we do not get outcomes? What happens when our efforts go unrewarded? What develops when everything appears hopeless? For how long do we hang tough? Consider this saying: “You are not finished when you lose! You are finished when you stop!” The road to web company success depends on our capability to keep going when all the signals say stop. Don’t stop! Tomorrow may be the day that our home based business success shows up!

Are setbacks good?

When we deal with the unpredictability, dissatisfaction’s and disappointments of producing a work from home business, what happens? Should we look or quit the journey for another road towards internet success? Developing mental toughness is like developing physical endurance.

Are we willing to alter?

Creating a home based business is like developing individual success. It needs a dedication to alter. How hard is it to invest our cash, effort and time and the outcome is nothing? When online accomplishments do not materialize, what should we do? Are we all set to revisit fresh start and reorganize the game plan? Our desire to face misfortune and make changes is necessary. Modification needs to be part of the design if we want to create an internet business. Problems can bring us closer to making cash online through these chances to adjust.

Prior to beginning the journey towards home business success we must be psychologically prepared for the experience. We will deal with every one of these challenges while developing a work from house enterprise. Our capability to eliminate these challenges will provide a much better chance for making money on the internet.

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The Internet Has No Barriers Where Age Is Concerned

71% of 65-74 year olds are active on the Internet..including my parents, however, I do get daily phone calls to sort out their IT issues! That aside they have embraced technology very well all be it begrudgingly at first.The older generation is keeping up, they are “Tuned in and Switched on” right into their 70′s and rightly so because many still have the energy and enthusiasm to carry on.

Minister for Pensions, Baroness Ros Altmann, said: “For years I have championed the value of businesses hiring older workers and it’s excellent that the number of them in employment, including older women, is now at a record high.

“It’s clear employers are changing their attitude to older workers and taking advantage of the excellent skills and experience that they can bring to the workplace.

The workplace is changing and older people face the challenge of “keeping up” with the overwhelming advances in technology. Gone are the days of paper and pencil, it’s all about touch screens and webinars.

A couple of major barriers to the Older generation is the physical and cognitive difficulties, people who suffer arthritis, memory loss and deteriorating eyesight find it very challenging.

A study from London School of Economics (PSSRU dept) identified these issues:

A perception that information and communication technology is expensive.
Poor Access to adequate broadband and unreliable connections in areas populated by older people.
Concerns around loss of privacy, fraud and identity theft.
Lower skill levels due to older adults having left the workforce before, or just around, the time that ICT was becoming mainstream.
“Overall, the evidence suggests that older adults are deeply ambivalent towards ICT and reluctant to let it encroach too much into their daily lives,”

It appears that evidence is mixed with some users gaining a sense of achievement and accomplishment whilst other have little or no improvement on wellbeing.

What is evident is that we need action from the government and the public sector to support those that want to embrace the digital world in order to keep them in employment for as long as they want to be there.

Like it or loathe it, we run our business and personal lives Online and getting access to most services requires the Internet so supporting the Older generation is more important than ever.

Boomers are more active and healthier than prior generations and if they are happy to continue working in a job they enjoy then why give it up?

Medical advances have ensured that we are living longer but Boomers may have ignored the basics – have they the money for healthcare and living costs way into the future?

The single biggest reason cited by nearly every study mentioned in the media today for not retiring is the lack of cash.

There have been numerous Pension fund scandals, financial downturns meaning strapped for cash people are contributing less into their pension pots. This coupled with the desire to continue travelling and living the good life has kept the Boomers locked to their desks.

The following websites may help you find out if you want to get Online and figure out if you have enough money to Retire (should you want to):

Moneysavingexpert

Pension-wise

Saga

gov.UK

Age concern UK

Citizens Advice Bureau

If you have “lost” a Pension or have no idea where to start then try the Government Pension Trace service – but beware you may have retired by the time they get back to you!

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Earn Money Online And Make A Good Living

You struggle to make payments every month. Every paycheck is one check away from not being able to pay your bills. There are many ways that you can fix this problem. Your first step is to realize that you can learn how to make extra money online. The Internet provides more moneymaking opportunities than you can possibly count. No matter what your qualifications are, there are several ways that you can earn money online.

Become an Affiliate

Starting any business is expensive and risky. It takes months to obtain a loan, weeks to come up with a business plan and even more months to earn profits. If you cannot start your own business, you can always become an affiliate.

Think of any big company that sells millions of products around the world. Usually, this company provides an affiliate program that anyone can sign up for. As an affiliate, you have to sell other people’s products for them. To do this, you have to run a promotional blog or website. You do not have to sign a contract or sell a certain number of products.

Start an Online Business

It is possible to start an online business and make a good income. The biggest problem is pulling your head out of the sky and getting your feet on the ground. In other words, you have to turn business ideas into reality.

First, you have to decide which type of business you want to run. There are countless ideas to choose from. If you enjoy food or drink, you can start an online coffee or chocolate company. The biggest trend now involves the sale and consumption of nutritional drinks.

The main idea is that you have to choose a niche that interests you the most. Start a niche in which you have the most experience.

With an online company, you are able to work from home and earn enough profits to live. It is necessary to learn everything about the industry before you begin.

Become a Freelancer

Becoming a freelancer is another effective way to earn money online. Freelancers vary in the amount of money they make, based on their education and experience. The most qualified ones earn tens of thousands a month. Your salary depends on your past education and work history. However, people without any education or experience can still earn hundreds of dollars every month.

There are not a lot of good freelancing sites out there. Even so, there are a few really good websites that cater to freelancers.

There are literally hundreds of ways to make extra money over the Internet. From sites that pay only a few dollars to online businesses that pay millions of dollars a year, you have options. First, find the niche that interests you the most. Then, do your research and find out how to earn money online.

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How to Invest in the Right Automotive Tools and Automotive Equipment

If you own or operate an automotive service center, then you know the importance of keeping costs low. Not only is this important to you, but in a day where fuel costs are rising, and insurance premiums aren’t getting lower, this is even more important to your customer. Car owners that are looking to have their vehicle serviced are doing so in an economy today that is tough. What they want and need from a good service center is low costs, quality parts, and mechanics that can get the job done right the first time. An auto service center is only as good as its reputation, and this is an industry where the stigma of con artists hoping to make a quick buck is high. You don’t want that to be you if you want your service center to be busy. You are in the business of making people’s lives easier, by providing quality service that keeps their vehicles safe, and their wallets in good shape. How you do this is by investing in the right automotive tools and automotive equipment to keep your costs down. When your costs are down, you can pass those savings on to your customers who will not only keep coming back to you, but send you everybody they know as well.

Customer satisfaction starts with having the right automotive tools. Investing well in these tools is the most important start to increasing your customer satisfaction. You will keep a large client base and a busy shop by ensuring your mechanics are superior, and are using superior tools and equipment. The best way today to find superior automotive tools and equipment is by shopping online and comparing prices. You don’t always want to go with the lowest costs, as very often these costs translate into poor quality. You want a parts and equipment provider that has stood the test of time in both of the same things that are important to you, quality AND cost.

There are a number of different automotive tools and equipment you will need in your service center. Investing well will go a long way towards keeping your shop open and busy. When you buy the wrong tools, or order poor quality parts, your business will suffer. Items such as auto lifts, air compressors, lubrication, wheel balancing, tire changers, and service and exhaust equipment just to name a few. The most popular forms of auto lifts are two posts, although you can purchase four posts or mid rise or turf products as well. Safety standards will be ensured by the manufacturer. Air compressors can be run on either electric or gas power, and in some cases diesel. These are just a few of the examples of standards to look for when purchasing automotive equipment.

When you are shopping online for automotive tools, you want a supplier with a wide range of product choices in each of these categories. This will enable you to choose the quality you need and want to run a successful service center. Distributors that offer minimal choices may give you the best deal, but they may not give you the best product. You also need a distributor that has stood the test of time in their business. Businesses that have only been open for a few years may not have the quality standards you seek. At the end of the day, when you buy automotive equipment, you are buying equipment that will keep others safe on the road. It is an investment that will lead to your long term success.

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The Automotive Employment Market Is Still an Open Playing Field

In the automotive employment market there are still very attractive job opportunities available all over the world. So if you are in the automotive employment market and want to make a change there are still a lot of opportunities all over the world.

In this modern world there do exist a massive shortage highly skilled automotive technicians all over the world. So if you are a highly skilled auto technician you can choose where you want to work in the world.

By just applying on one of the many automotive recruitment companies web pages, and they will search a job opportunity for you any place in the world. The fact is that a lot of emerging automotive markets have opened up in reasoned years, due to the power shift in the automotive industry.

This automotive employment market is going to become even bigger in the future as all new type of cars is going to hit the market. Like all the “EV” cars that are still in the prototype phase. All these cars will have new technology implemented into them, so new personnel must be trained to work on them in the future.

This will bring a paradigm shift into this automotive employment market, even the training methods and the skill sets that must be trained have to change in the very near future.

This will cause the manufacturers to start running extensive training and develop programs, to have highly skilled technicians to assist them to establish their brand. There will be coming new brands and brand name into the playing field and these brands will need to still build their names in the market place.

To build a brand name you need a powerful after sales service you can assist your customers with. This alone will create a new automotive employment market to the auto industry; just imagine an electronic or chemical engineer working at your local car dealership.

It may sound farfetched but it is possible as the cars in the future will be driven with power plants like fuel cells, hydrogen emission and electric motors. All of this is going to come to the market place in this modern world sooner than most of us do realize. So the predictions are that a big portion of the existing automotive workforce will leave.

They will leave this workforce as they are from the old school with old school principles that will become extinct with this new technology. The human tendencies are that you will stay ignorant if you become a member of the old school club. This only happens as the older people were conditioned that they can only learn something up to a certain age. All of us know this is not true but the system wants them to leave as it is harder to change and old horse to get rid of his or her habits

The system was created to develop a group of slaves that would be easier to condition, into what this slave system needs and not what the workers needs. That is one of the reasons why the older leading hands in the automotive employment market gets removed or retrenched. The general modern business conceptions are that older people are resisters to modern business, as they don’t want to change.

If all this highly skilled people are removed in the future the whole automotive industry will suffer a massive skills and brain lost that could have passed on to the younger people. Findings are that most of this older people in the automotive industry don’t want to share their knowledge and skills anymore, because they don’t see themselves as resistors for future development in the automotive industry.

So the automotive employment market will suffer great losses in the near future, due to this phenomenon.

Rocco van Rooyen is an Author on Automotive Solutions. As an Entrepreneur and Author on the subject, he is at the forefront to provide solutions to all automotive related problems.

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Car Insurance – What Rating Factors Are Most Important

Any individual who has had to purchase car insurance may well have discovered huge discrepancies in the various quotations they are asked by different insurance companies. This has historically always been the case to an extent, but even more so given the rise of cost comparison sites online. It is perfectly possible to go to one of the major sites, enter your details and obtain up to 50 or so different quotations. It is not uncommon for these quotations to be anywhere between 200 and 2000 percent different from top to bottom of the scale.

People unfamiliar with the insurance industry wonder how can there be such vast discrepancies.. Whilst this can be relevant, what is more important is to realise that these discrepancies do exist and to take advantage of them in order to secure the best deal around. It is important to stress that the best deal is not necessarily the cheapest, but it is also unlikely to be the most expensive.

It is often assumed that all insurance companies assess risk in pretty much the same way. This is true to an extent, depending upon how much data they have, and what their experience of risk underwriting is. Different insurance companies will have different levels of expertise in certain geographical areas, regarding certain makes of car and certain individual age groups and demographics. This experience will influence their understanding of risk, and may differ widely from other insurance companies will have more on this experience in these areas.

Rating a risk is not simply a mathematical formula, although in theory this is what it is based on. Whilst an insurance company will assess a risk based on their own criteria, and then load it by a small margin to make it profitable, this is only half the story.

There has always been a theory and a practice as to how insurance companies rate risks. The theory is that they will evaluate a risk, essentially into a percentage figure, which is what they charge as a premium. In reality, it is also very much about what they can charge, or get away with, in order to win the business and make money out of it.

This has intensified hugely the transition to lots of car insurance being done online, where it is considerably easier for the insurance companies to link it to other types of insurance, and to various utility billing accounts, credit cards or loan financing. This means that insurance companies can make strategic alliances with other companies in order to obtain business which is to their mutual benefit.

Insurance companies will often undercut each other in a way that a lot of businesses will in order to attract customers, and hope that customer retention over time will allow them both to increase their premiums and keep the business without customers moving elsewhere. Whilst that is a fairly basic principle of how insurance companies work, it is much harder to do it online, it was much simpler by paper. It is very easy a customer to switch insurance companies nowadays, and this has certainly eroded a lot of the loyalty felt to companies previously.

The other important factor is that insurance companies make a lot of their profits from investing premiums, as opposed from pure underwriting profits. With most types of insurance, premiums are paid up front and claims paid much later on. With car insurance, the really big claims tend to be liability claims, which are notoriously difficult to settle, and normally take several years to agree upon.

This isn’t necessarily insurers dragging their feet, although this can happen. With liability claims, it often takes a very long time to really assess damage caused to an individual, and how that damage has impacted on their lives, and in what ways.

What this also means is that for that for a period of time the insurer by and large will not have to settle a claim. They might make an interim payment, but that would normally be at their discretion. This means that companies can hang onto the premiums for quite a long period of time, before any claims have to be paid. This allows them to earn significant investment income, which they can then use to offset their level of rating in order to attract the business that they need to.

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The Best Way to Sell Used Tires

However, when you are ready to sell your tires, you need to be sure of a few things: The current condition and the overall quality of the tires. When you are not sure about this, you might end up not having a deal at all or selling your tires for peanuts. Consulting with used tire shops in Tampa can give you a good idea of just how much your used tires can be sold for.

Placing Ads

The first thing you need to do is to check if the tires and the rims are in excellent condition. If yes, then you can start advertising that you have used tires to sell. You can make use of the newspaper and magazine classified ads sections. However, this is going to cost you some money. So first, find out what the value of your tires can be, and if it’s worth spending money on classified ads, and answering calls. If you don’t like this traditional method of attracting buyers, you can make use of some Internet sites that let you place ads. There are a few sites that offer these services for free. But their popularity among used tire buyers is relatively low.

You can find a good deal if you choose a reputable site, but of course, that involves money. If you have more than one set of used tires, then this is the best way, as you can list all of them at once. You can also add photos to give a more precise look at your tires. Buyers want to see the exact condition of your tires, and images will help with that. If your tires are in decent shape, the chances of selling them are higher.

You can get in touch with customers directly when you use these sites to sell your tires. However, you will have some competition with other sellers when you choose paid services. Again, it is the condition and the quality of the tires that matters the most. You can also contact local resellers or used tire shops in Tampa. This way you might lose a bit of money, as the retailers would want to pay less than a private buyer.

Things to do

When you are all set to sell your tires, try using the following checklist:

1. Check for any visible signs of wear and tear.

2. Check the tread depth. If they are less than 1/8 of an inch remaining, then you won’t get much money for them.

3. Take photos of your tires to put on the websites.

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5 Benefits Of Fitting Your Private Car With an Air Purifier

As far as respiratory health issues are concerned, air pollution is among the fundamental causes. Since air can travel long distances, you cannot stay safe even if you travel in your own vehicle. As a matter of fact, you may be more affected if you are using public transport. So, what you need to do is install a good air purifier in your personal vehicle. In this article, we are going to discuss five major benefits of fitting your vehicle with an air purifier. Read on to find out more.

1. Removes Allergens

You may have allergic symptoms due to particulate matter, dust mites, and pollen. Similarly, if you travel with kids or senior family members, you may have to face difficult situations. Therefore, if you install a good air purifier, you can have peace of mind that you are traveling without putting yourself at the risk of allergens.

2. Gets rid of Unwanted Odour

Inside your personal or private vehicle, volatile organic compounds from your vehicle’s components may increase the level of pollution in the cabin of your car. Similarly, if you or someone in the car is a heavy smoker, it may also make the air quality inside your vehicle even worse.

If you turn on an air purifier, you will be able to remove cigarette smoke and all types of other pollutants from inside your vehicle. Therefore, it is great to have these units installed in your private car.

3. Removes Pet Dander

If you love pets and have a cat or dog in your house, you may need to protect yourself against pet gender. This is essential if you travel with your pet on a regular basis. The thing is that pet animals shed a lot of dead skin, hair, and fur. This can pollute your car cabin. By installing a good air purification unit, you can remove all of these particles on a daily basis.

4. Reduces the levels of Carbon Dioxide

When you breathe, you take in oxygen and exile carbon dioxide. Therefore, if you travel in your own car on a daily basis, your cabin will become full of carbon dioxide. You may suffer a lot of breathing issues if you don’t breathe fresh air for several hours.

So, if you install a good air purifier, you can create a balance between oxygen and carbon dioxide in your vehicle.

5. Expels Air Pollutants

There are different types of pollutants, and they can be in a variety of forms, such as gas, liquid, and solids. Although many of these particles are man-made, you may know that some of them are created by the nature as well. So, these pollutants may get into your vehicle if you open up the windows or doors. You may want to install a good air purifier to get rid of these pollutants from the cabin of your car.

Long story short, this was a description of the benefits of installing a good air purifier in your vehicle. So, if you want to get yourself a unit, we suggest that you do your homework and compare the advantages and disadvantages of each unit.

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