23 Aug

Three Advertising modes widely used by brand owners!

Advertising is no more a feature of marketing to promote the image of an organization or company. The success of brands, services and even entrepreneurs depend on advertising practices adopted by the particular organizations. In order to generate awareness about the presence of a brand, service or organization, advertising is not only a must but also a mandatory tool for every brand or service owner. In the following paragraphs, let us find out some common modes of advertising widely used by brand owners and organizations.

Television Advertising- Brand promotion through television media is one of the age old tools used by advertisers and brand owners. Television media is an audio visual media that provides exclusive impact on target customers in an interactive manner. Informative, educative and entertaining all at the same time, television media provides rich impact on target customers thereby enhancing the interaction between brands and its target customers. For Indian audiences, television commercials are source of entertainment as well as information about various brands that exist in the market place.

Print Advertising- Print ads are one of the common modes of brand promotion. The history of print advertising traces back decades ago. Some marketers opine that print ads are one of the oldest modes of brand promotion adopted by business owners ever since the concept of advertising took birth. Any form of brand information available through print media such as newspapers, magazines, pamphlets, leaflets, brochures etc come under print advertising. The launch of new age media hasnt provided any harsh impact on print media. Hence, this advertising tool still works as one of the effective modes of brand promotion.

Outdoor Advertising- Any brand promotion campaign launched through outdoor media such as billboards, street furniture, posters, kiosks etc come under outdoor advertising. Despite an old mode of brand promotion, outdoor advertising practices are still adopted by wide range of advertisers and brand owners.

Though advertising is an expensive marketing tool, brand owners adopt various advertising tools to promote their brands amongst customers. The success story of a brand (as per marketing experts) is directly or indirectly related to the advertising activities of the product. However, it is also a much observed fact that not all advertising campaigns become a hit. Television Advertising, Print Advertising, Outdoor Advertising, Internet Advertising etc are some common practices of brand promotion.

21 Aug

Advantages Of Hiring An Advertising Agency

There are many people who want to advertise their new product in the market but they don’t have an idea about the ways of advertising. To launch a new good/service in the market it is very essential to promote the product in a right way to make people aware about the latest launch. Advertisers can make use of an advertising agency to place a new product in the market. Advertising agency is a professional firm that focuses on advertising from every aspect and ensures to place the good/service at a correct place in the market. A fully developed advertising agency has different departments to perform specific functions and some of the agencies even help to produce unique advertisements for the clients. The role of an ad agency is really dynamic because this agency can do all the work from production of an advertisement to placement of the ad.

There are several advantages of using an advertising agency and an advertiser must enroll an efficient agency to get positive results. Some of the advantages of an ad agency are:

Objective: Ad agencies focus on their aims and try to achieve them without any delays. The agencies know about all the techniques of producing the right ad according to the clients needs.

Media availability: Fully developed advertising agencies can even help in arranging media for the promotion of the ad. Agencies even help to negotiate with the media because of their business networks.

Meet dead lines: An advertiser might fail to meet a deadline but an ad agency will never dis satisfy the client. All work is done today and nothing is left for tomorrow in an ad agency.

Professional: Advertising agencies are really professional in their working and make sure that they have well defined target audience to make the message reach the right people at right point of time.

There are several other advantages of adversing agencies that enable an advertiser to spend money on these agencies for bringing positive results. So, if an advertiser wants to place a new product or reinforce the message of existing product then hiring an advertising agency can bring the desired results.

21 Aug

Benefits Of Hiring A Financial Advisor

When you are planning investment strategies, the most vital is a sound financial investment advice. This is where hiring an autonomous financial mentor can be helpful. An independent financial advisor is someone who works in a no-clash environment. They can provide different types of financial advice in an unbiased manner to the clients. These advisors are regulated by Financial Services Authority (FSA), which ensure that their practice is ethical and legal. They have an obligation to give reasons for the financial recommendations given.

There are many advantages in hiring an independent financial guide. You need sound investment strategies and such an advisor has the capabilities to develop a comprehensive outline of your financial status, which will take into account all strengths and weaknesses. They will provide a worthy investment strategy and you do not have to worry about what kind of investments you should make and how. Such aspects are taken care of by the investment advisor itself. They will inform you on what stocks, bonds etc you should put your hard earned money into, how much should be the investment, period of investment, risks involved and so on.

Those who want to streamline their investment will find hiring a financial advisor to be very beneficial. The advisor will map an investment strategy that is within the limits of the investor and monitor their investment, so that they get disciplined in their investment activities. They advice on important investment schemes that are necessary for financial growth and it also prevents them from putting money into risky investments that should be avoided.

A good financial advisor is someone who is bothered about his or her clients future. They will look into their current contracts to find out if they are fine or of they need to be changed. They recommend financial products that will benefit them not just in the present market scenario but also in the future. You can call up your financial advisor for making different types of investments on various occasions of your life such as marriage, child birth etc.

Often investors seek advice on certain financial products in the market on which they do not have information or access. Hiring a financial advisor is best for such purposes because they will be able to provide sound financial advice on financial products that you specifically wish to know about. This helps you in devising customized investment plans. Moreover, they will advice if such an investment is worth the money spent or not.

21 Aug

The Disadvantages Of Subliminal Advertising

Due to the complexity of the human mind, it has various levels of consciousness: the state of dreaming, conscious-rational and lastly the subconscious level. This last level is one which is not able to function through logic or reasoning abilities, and cannot differentiate between what is real and what is fictional.

Subliminal messages sent into the subconscious mind gives it the foundation to grow the message into reality. It is a form of thought-controlling, as there is a link of communication between the subconscious and the conscious mind, allowing it to affect each other. Hence, there is much controversy surrounding the use of these subliminal messages, as hidden persuasive messages have been used to influence audiences. Such incidents are commonly found in commercials and advertising, and in rock music. There has been much criticism on the use of insidious subliminal messages to maximize revenue.

Subliminal messages used in advertising or subliminal advertising, are most of the time consisting of brief visual or audio messages that our brain does not consciously register what it has seen or heard. Most of the time, there is less than 25% chance that the message will be picked up by the conscious, and is used to provide stimulus for action.

Subliminal advertising does exist. In actual fact, very little marketing agencies endeavor to input such messages due to the powerful impact that they can place on the audience, which would lead to overwhelming bad press that would be received if the subliminal message was found out. This puts off any potential benefit that the subliminal advertising may bring.

According to an April 2006 issue of the New Scientist, research has proven that subliminal advertising messages do work, under the right conditions. The researchers also found that priming only works when the prime is goal-relevant. In plain English, this means youre potentially going to buy a product that quenches your thirst only if you were already thirsty anyway. Subliminal messages are therefore more effective in priming a target audience to choose one brand over another, rather than in recreating an real need for the product.

While it is has yet to be sufficiently proven that the brief subliminal messages can affect your behavior without you knowing, it is still arguable that subliminal advertising can be more effective than normal means of promotional communications which people are consciously aware of.

20 Aug

What Is Financial Statement

What is a financial statement? In layman’s term, financial statement shows you where a company’s money came from, where it went and where it is now. Reading a financial statement can be hard to some people but once you learned the basics of financial statement, it will be easy just like reading an electricity, credit card bill or bank statement of account.

In reality, it is not complicated. You can understand financial statement of a company since you know how to read a billing statement of a bank account or from utility companies. It only requires little perseverance when you want to know the basic of financial statement.

So the question is: Why do you need to study financial statement? A financial statement is a documentation of the company’s financial status or condition. It is very helpful for an investor because it will determine if a company is a good investment or not.

A financial statement will give you the financial information about the company such as its liabilities, earnings, cash flows and assets. It is an important tool to determine if the company is increasing its earnings or losing money and it can be simply understand by the readers. It is a simple report which is usually in tabulated form.

A financial statement can be divided into four parts: balance sheets, income statements, statements of shareholder’s equity and cash flow statements. Balance sheets give details what are company’s liabilities and assets in a particular period. Income statement, on the other hand, shows how the company’s revenue is transformed into the net income.

In a financial statement, a cash flow statement details how cash comes in and out in the balance sheet and income of the company and shows the investing and financing activities of the company. The fourth part is the statement of shareholder’s equity that gives the changes on the company’s shareholders over the time.

In conclusion, a financial statement is a good tool to evaluate the profitability of a company when someone want to buy its stock. It details the performance of the company and gives the present condition of the company’s financial status.

19 Aug

Main Street Marketing Advertising Machines- Present Great Help to your internet Business Endeavor

Primary Street marketing machines are one of the brand new goods inside the realm of internet advertising these days that was created by Mike Koenings. This is merely a product that will allow you to create income on-line to create you no cost from the monetary difficulties.

Any organization operator wishes to produce it massive once they step into the world wide web. On the other hand, not numerous of them are positive about what they precisely must do other than discovering moment in their busy schedules. But with the aid of the system men and women are given guide to deal with the challenges on discovering customers and the best way to market them as soon as you uncover them.

This marketing device operates on tapping the overlooked local marketplace of offline and small businesses which are facing difficulties within the current climate of the economy. A large number of companies are not adequately knowledgeable about internet advertising to make money from the web sites. It can be a good factor that a tool known as Main street marketing advertising machines are created for it’ll not only show you the kind of enterprise it is possible to target, but it is also designed with marketing paraphernalia. This system is actually skillfully created to help you together with your advertising dilemma. You may also be given methods to locate chance in order for you to understand the correct business that you may target effortlessly and quickly.

The system includes a thorough advertising factor which will enable you to know how to market. This is often a step-by-step guide that you are going to locate to be very beneficial so long as you know tips on how to cut and paste. It also features substantial portion of video advertising. Mike has a group of skilled individuals who can carry out the video work for your benefit.

This tool is essentially for everyone who wants to understand additional about finding customers and the way to marketplace your business to them. You dont have to be an world-wide-web savvy or an expert to make this work for you. Even average people and newcomers on the internet could make the most of this offering. In case you feel your offline company has not been giving you the return on investment because it absolutely was established, then you need to think about putting it on the web and main street marketing advertising machines might be of excellent help on your endeavor. It will absolutely provide you with all the means you should get began, attract much more visitors which will eventually bring additional sales into your enterprise.

18 Aug

High Definition Television Has A Role In Advertising And Marketing

Television, the mass medium for news, views, information and entertainment, and being one of the most effective methods of reaching the masses, plays a significant role in the marketing and advertising industry.
Television, which has the added advantage of sight and sound
against other media like print, bill boards, mailers, looks indispensable for marketing and advertising industry as the main promotional activities of these sectors are currently being done through TV.
In India, television commands 72 per cent of the urban Indian’s time spent on media. The reach of television has grown by 12 per cent since 1999. Cable and satellite penetration has risen from 29 million in 1999 to 40 million, a 31 per cent growth, which is more than double the figure of television’s rate of growth. Around half of all homes in India with televisions now have cable and satellite subscriptions. This shows how TV is important for advertising and marketing industry apart from news magazines etc.
As the television covers more and more houses both in urban and rural areas by days, there comes its more developed digital format – the high definition television.
High definition television gives high quality picture on the screen and the quality of the sound is also superior to that of a regular TV set.

Higher picture sharpness, larger picture, more colors, wider picture, multi-channel digital CD quality sound are some of the feature of the High definition television. Types of high definition television include direct-view, plasma, rear screen, and front screen projection.
Under the high definition television, standard pictures become six times the resolution of a regular TV set. High definition television set presents a 720 to 1080 lines of resolution compared with just 525 lines presented on a regular television set. Motions are smooth and the picture becomes clear enough to sit very close to a very large screen. The picture is displayed in a panoramic 16:9 horizontal-to-vertical aspect ratio to be more like movies and add the feeling of realism to TV.
To know more about the topic, get a copy of Pitch, a monthly magazine on media, marketing and advertising, or log on to www.pitchhonet.com. Pitch provides news and the latest trends in marketing and advertising industry. It publishes interviews of prominent business personalities, tells about popular brands, gives reviews of business related books, highlights on new advertising campaigns, etc. The magazine is published by exchange4media, India’s premier portal providing news, views and analytical information.

17 Aug

Auto Job Pressure Collection To Help Back Again Extra Financial Products — Having Guitar Strings

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16 Aug

Why Age Affects the Cost of Auto Insurance

Your age plays a major role in how much you’re going to pay for auto insurance. How much your auto insurance policy premium is going to be depends on a lot of factors, such as local area demographics, vehicle year, make and model, driving record and even gender. Premium quotes will vary as these factors change for each person. Insurance companies need to assess each quote application by taking all of these factors and coming up with a computed solution for your auto insurance premium. And these insurance companies can determine a lot about their driver by simply fitting them into an age slash location bracket.

The Center for Disease Control and Prevention has all the facts and statistics about teenage driving as well as other ages. And the numbers don’t lie. The majority of drivers involved in accidents in the United States are people between the age of sixteen to nineteen by a ratio of four to one. And teenagers are more likely to get into a car accident in the evening and on the weekends when they aren’t in school (that statistic makes a lot of sense). Along with that, teenagers as well as older drivers with poor driving records such as points on their Department of Motor Vehicles report will be pushed into a higher risk category. Also, if you live in a high risk area of the United States, that also magnifies your risk factor in the eyes of your insurance agency.

As you get older, the idea is that you become a more experienced driver and therefore fit into a lower liability level with your insurance company. Thus your insurance premiums reflect the gain in experience. However, if you fail to learn from your mistakes and continue to cause problems on the road, your car insurance premiums will reflect your lack of learning and stay the same or, in a lot of cases, increase.

Preventative thinking teaches us to always drive careful. This is a mode of operation that will hopefully govern how you drive. Realizing that the roads are filled with many hazards and perils and you must safely navigate through will give you the assurance that your insurance premiums will stay at moderate levels.

Also, if you are a student or even over a certain age, insurance companies offer special discounts to drivers who qualify for their discount programs. Make sure you check to see if these discounts apply to you.

16 Aug

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.