Search engine optimisation Business: Will Fetch You On More ...
While in the era of web marketing each organization goes on the net. World wide web market place spot turns into competitive day-to-day. Search engine marketing is among modern-day day most significant web marketing approaches. Chances are you?ll seldom find a business having an internet site it does not make the most of Search engine marketing. By means of this process, you might have extra likelihood of procuring much larger place within research motor results. That?s why Search engine marketing corporation products and services transpire to be the vital point into the achievements a lot of organizations in conjunction with corporations these days. The real key in selecting the perfect seo company is really for making utilization of the a lot of accessible alternatives. Search for as a lot of prospective alternatives you can. You are going to get recommendations as a result of friends, co-workers, or organization spouses. This should help you find out which company provides the greatest services.
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Source: http://www.borderlinenetworks.com/2012/02/20/search-engine-optimisation-business-will-fetch-you-on-more-visitors-aspect/
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You Need More than Left Handed Mouses ? Online Gaming Tips ...
Getting involved in an online gaming community involves more than learning how to work the left handed mouses that are out there. There is obviously something to the online gaming phenomenon, as millions of players compete in hugely popular role playing games such as World of Warcraft and EverQuest and a wide variety of other MMORPGs (Massive MultiPlayer Online Role Playing Games). Some people take gaming very seriously. For others, it?s a fun way to relax every so often. What kind of gamer do you want to be? How do you get the most out of gaming? Let?s look at some strategies to help you get more out of the time you spend gaming.
If you are left handed then you are definitely going to want to buy one of the left handed mouses that are available. An ambidextrous keyboard is something else that you?ll find helpful. Ambidextrous keyboards come in two parts, which enables you to use them in the most convenient way. There are even some keyboards that are made specifically for gaming and once in a while one of them will be designed for left handed players. They cost a little bit more money but if it makes the physical part of playing the game easier, then isn?t it worth the money?
Do you have friends who enjoy playing online games? It can be fun to get together with friends and play. Figuring out all the complexities of MMORPGs without help can be hard. Fortunately, if you don?t have friends who play online games, you can easily find new ones through the gaming community. That?s one of the best things about online games such as EverQuest. With such a large number of people taking part in these games, it?s easy to make new friends. If you are a skillful player and reach out to people, you can meet many new people in this environment. It?s quite a bit of fun to participate in online gaming when you have friends who also play.
Don?t forget that games are supposed to be fun. Games are supposed to provide us with a great means of entertainment at home. As you may already know, these games are not a means for substitution of real life. If you end up too wrapped up in a game it is important to realize you need a brain break, go do something else away from the game console, left handed mouses and keyboards for a while. Try switching games or leaving your computer all together. Not having fun with your games affects more than just you it affects those around you as well. Never forget the most important part of this is you plus your moving forward after reading about arcade fans, here. If you want a little advice, as soon as you are done reading this then do not stop; immediately get to work.
Of course people are aware of their conditions, which most do not like, but there is some kind of habit of never doing anything about it. The phenomenon of inertia is something that plays out in the lives of so many millions of people, and it has to be dealt with in your life.
It is not hard at all, really, to use this information if you become aware and commit to it. So do keep reading more because we are not done, yet. Online gaming is really just a way of entertainment for people. But that has all changed, and at this point it is only growing as a world-wide community of like-minded people. However the fun has not been forgotten. We can say, though, that your ability to have the most amount of fun will depend on your gear (think left handed mouse) and other important factors. At its heart, however, the goal of any online game is to give you a good time and a good escape.
The information in this article really only represents a small fraction of all there is to know about free online games. There is related material in addition to more in-depth understanding on this important subject. In just a moment you will be able to experience the type of related material and extended points we are talking about. When you are reading more, keep your own circumstance in mind at all times.
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Why Gaming is So Popular
Are You Serious About Left Handed Gaming? If you have been doing some research into %LINK1%, then you may possess a decent idea of what is known. It does appear that what can be taken and used is dependent on certain requirements. Your specific situation will affect what additional areas of study you have to consider. So it can sometimes feel like you are not making improvement because you may not find exactly what you need. To be sure, perhaps the best online researchers sometimes get stumped when looking for special types of information. Well, we have done our exploration into this subject, and we feel it will be of good use for you.
If you are a left handed gamer you have probably discovered that it is more difficult to play left handed than it is for right handed gamers. They need to buy left handed mouses. If you are a left handed gamer you need to set your shortcuts to the left hand side of the keyboard. Believe it or not, often these are just excuses made by poor gamers who need something to blame when they don?t have the fun they were hoping to have. This is because the equipment used is simply a portion of your experience. Although the right equipment is important, real gamers know that gaming goes way beyond buying a left handed mouse. Here are some hints for people who want to have a better time playing games online.
Anyone who is left-handed needs a left handed mouse to get their gaming up to speed. Ambidextrous keyboards are also available. Ambidextrous keyboards come in two parts, which enables you to use them in the most convenient way. There are gaming keyboards as well, and you can even find one that ?s made specifically for left-handers. They cost a little bit more money but if it makes the physical part of playing the game easier, then isn?t it worth the money? A fast connection speed is a plus. Probably the hardest situation to deal with is if you?re forced to use a dial-up modem. It is hard to have fun if the computer you are using is very old or has a slow processor. Check out what you need to optimally do your gaming with the greatest advantages and rewards. You probably won?t know for sure what you need, so that?s why it?s important to read the specs for the game you want. Take the time to check everything out so you?re not angry if you run it and it?s working at about 50%.
Having goals makes it easier to improve your gaming. Don?t let your characters get stuck, but keep them leveling up. You should strive at collecting as many valuables as you can in these games, such as trinkets, gold, rewards or whatever is awarded. It is good to have a goal to work toward when you play games online. When you do this, the game becomes more enjoyable. It can also help you feel like you are being productive, even while you spend hours sitting in front of your monitor. If you aren?t accomplishing anything, it won?t be much fun after a while. Tracking down treasures and going on quests with end goals in mind is a lot better. You want to know more about %LINK2%, but the other important side of the coin is that you have to get up and move on it. The only way you will ever make a difference in your own life is by overcoming inertia that binds so many others.
Of course people are aware of their conditions, which most do not like, but there is some kind of habit of never doing anything about it. The most critical aspect of this is making the decision that you will make a difference in your life.
Therefor, think how you can best make good utility from what you are reading and then go forward. As you can see, we are not done yet ? please keep reading to learn more.
Just have fun when you?re online gaming. Even the most complex game universes are supposed to be pure fun. Naturally, there are some things you may want to consider if you want to get the most out of it. For lefties? make your keyboard shortcuts, and then be sure you have a left-handed mouse. Have the willingness to accept advice and criticism ? be humble and lose the attitude. Everybody will have a lot more fun when everyone gets along.
The amount of data and content concerninf %LINK3% overwhelms a lot of people when they begin researching it. We have covered a number of important points that we know will have a direct effect in many ways. Even so, be careful thinking there is no more outstanding information, either. You will gain the most by getting to know and using the kind of information that offers you the very best leverage. Plus you can gain a significant advantage if you follow the successful steps and methods in the following discussion.
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5 Steps to Social Media Leads with Content Marketing
Conversion Metrics More Important
This question is being asked more frequently. Now that a majority of B2B marketers have been experimenting with social media for a while, 2011 will be the year social media evolves from the experimental stage into a more mature practice. It will become an established marketing tactic that will be more tightly integrated with traditional tactics such as email, webcasts, live events, mobile marketing, and content marketing. And as social media matures, demands for proving social media ROI will inevitably increase.
A recent eMarketer study confirms that metrics for measuring social media performance are already changing dramatically to reflect this new reality. While site traffic is still the #1 social media metric, according to eMarketer, the #2 spot is now occupied by conversion metrics. To put this in perspective, conversion metrics ranked only #8 a year ago, rising from 32.6% of respondents using this metric in 2010 to 65.7% in 2011 - the most dramatic change for any social media metric in the survey.
Generating Leads with Social Media
Going back to the original question: how do you leverage social media to deliver conversions? How do you go beyond posting interesting and entertaining updates on Twitter, Facebook, LinkedIn, and beyond basic tactics like placing social sharing buttons on your B2B website and emails?
Capturing someone’s attention while they are in social media mode can be tough, but there are many great ways for B2B marketers to turn social media interest into qualified leads. One of my favorites is a content-centric approach. Remember that social media is all about conversations, and sharing interesting information with people you trust.
Nobody wants to be sold on social platforms. At the same time B2B buyers are actively seeking guidance and information on how to solve specific problems, how to evaluate available solution options, and to learn about peers’ experiences with a vendor. Filling this need for information with compelling, high-value content, a vendor can not only have successful social conversations with prospects, but also high-quality leads that fill the funnel. How?
Step 1 - Social Content Marketing
One way to generate attention and leads is to create compelling assets that attract your audience and provide a launching pad for further engagement with your organization. This can be an eBook or a great white paper, for example, that showcases your expertise, solves a specific problem, or fills a critical knowledge gap for your audience.
This content is then placed in your most effective social channels (ideally in response to a relevant post or question) in the form of a short, compelling message and a short link pointing directly to the asset.
Step 2 - Set your Content Free
The trick (and I know this is hard for many traditional marketers to adopt) is NOT to hide this premium content asset behind a registration form. But how do I get a prospect's contact information to nurture and further engage them, you ask?
Great question. Sure, you can ask for this information, but only AFTER you delivered value and established credibility with your free eBook (I am using eBook as a placeholder here, you may have other asset types that make more sense for you to share).
Remember your goal is to get your valuable information in front of the right target audience. After your eBook so impressed your prospects, they are now eager to learn more about what you have to say and how you can help them solve their specific problem (if they aren't asking for more, they may not be qualified and ready to engage, or maybe your content isn't all that compelling).
Step 3 - Embed Strong Calls to Action
To help buyers take the next step in their journey from problem to solution (ideally in your direction), you need to embed calls to action into your content piece. This can be simple links placed within copy pointing to additional relevant content (for example, the sequel to your ebook or companion webcasts, videos, demos, self-diagnosis guides, competitive comparisons, etc). Or it can be a well designed banner in the sidebar with a compelling call to action.
This call to action then links to a form page people have to complete before gaining access to the next content asset. Or it can link to a "content hub page" (for lack of a better phrase) where you present your most relevant and compelling content assets to the prospect in one view. I am a strong advocate of presenting content in the context of the buyer's role and buying stages. This allows buyers to pick and choose the right asset they are most interested in to continue their buyer’s journey and engage with you digitally. And always make sure to include your contact information (phone, email, etc) in case a buyer is ready to engage directly.
Step 4 - Make Content Assets Easy to Share
Also, make sure that your free content piece itself is easily shareable by prospects. Build social sharing buttons right into your PDF document, in the sidebar for example, to maximize sharing and viral effects. The effects of easy sharing and exposure to a much broader audience, by the way, will more than make up for your "loss" of registrations for the primary, free asset.
Step 5 - Nurture Leads Along the Buyer’s Journey
Follow-up content pieces, such as webcast #2 and #3 in a series of 3 webcasts, require the buyer to complete a lightweight registration form - as they enter your marketing system with lead scoring, routing, and nurturing processes. Ideally you have a marketing automation platform (like Eloqua, Marketo, SilverPop, etc) in place that lets you nurture your new prospects with content tailored to their demographic profile and behavioral patterns, and helps prospects move along the buyers journey with content mapped to each stage. Until the marketing automation system indicates that your lead is qualified and ready for direct sales engagement.
This is only one example of how you can use social media to drive lead generation. What tactics do you use to convert social media interest into leads?
More information
Survey Report “Social Media in B2B Marketing”
The Brave New World of B2B Marketing
How to Use Social Media for Lead Generation
5 Steps to b2B Marketing Success
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Business Audience Marketing Company Bizo Raises $10M ...
Anthony Ha is a writer at TechCrunch, where he covers media, advertising, and startups. Previously, he was a staff technology writer at Adweek, worked as a senior editor at the tech blog VentureBeat, and was also a reporter at the Hollister Free Lance, where he won awards from the California Newspaper Publishers Association for breaking news coverage and writing.... ? Learn More
Bizo, a company offering technology to help advertisers reach a business audience, has raised $10 million in a Series B round of funding.
The company has now raised a total of $20 million. Crosslink Capital led the round, and the firm?s newest partner David Silverman is joining Bizo?s board of directors. Existing investors Bessemer Venture Partners and Venrock also participated.
Bizo?s ad platform includes ad targeting and audience analytics, and it uses that platform to sell both brand display and direct response ads. CEO Russell Glass says Bizo now reaches 80 percent of the business audience in the United States, whether they?re making purchase decisions in the office or at home.
At the end of last year, Bizo claims it reached an annual revenue run rate of $18 million. It also says that there are more than 400 leading brands using its technology, and that new publisher partners include Forbes, Crains B2B, PC World, and Thomson Reuters.
Bizo has been working on new technologies too, Glass says, for example by investing social marketing and video tools. However, one area that it hasn?t emphasized is mobile. Glass says the ad spending just isn?t there yet, though ?we know it?s coming.?
He adds that as the company expands, ?Bizo?s focus remains on helping marketers more effectively reach business professionals.?
The company spun off from ZoomInfo.
Bizo gives marketers instant access to the people who sign the checks at work, and have the most to spend on life: business professionals. Fueled by proprietary demographic data, the Bizo Marketing Platform precisely targets more than 100 million professionals around the world, including more than 80 percent of the U.S. business population. Bizo has won the confidence of more than 400 brands including AMEX, Mercedes Benz, Monster, Salesforce.com, Porsche, Microsoft, AT&T and UPS who use Bizo to exert...
Learn moreGlass is a serial technology entrepreneur, having founded or held senior positions at four venture-backed technology companies. He is currently the CEO of Bizo, a B2B advertising network that spun out of ZoomInfo. While at ZoomInfo, a business information search engine, Russ lead the marketing and product management teams, where he sharpened his B2B marketing skill-set and developed his love for business data. Other than business data, Russ?s passions include golf, anything in high def, and Duke basketball.
Learn moreCrosslink Capital is a leading stage-independent venture capital and growth equity firm with over $1.8 billion in assets. Crosslink, which traces its roots back to 1989, was among the first and largest investment firms in the U.S. to integrate public and private growth/technology investing in three families of funds: venture capital funds, long/short hedge funds and a unique hybrid crossover fund. This strategy allows Crosslink to partner with its portfolio companies on a long-term basis. With more...
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Particularly since settling into Culver City after my stroke and since leading the ?New Parents? arm of the Marriage & Family Community at our church, we have loved entertaining at our house.? Somewhat selfishly, it is so much easier for us not to go out, but we also love having our home filled with friends and family and especially precious little ones!
Previously, I have had mommies over for ?Pamper the Ladies with the Babies?, which has been so great, but we wanted to involve the whole families too.? A few months ago, we set up a new fellowshipping event that fills the house with loads of fun and giddy little ones!
A bounce house brunch seems a great way to start off our Saturday mornings.? As tiny as our little front yard is, compared to Southern standards at least, it perfectly accommodates the ?mini-bounce house?, which all the kids adore (we borrowed our friend Bobbi?s but you can buy them for relatively cheap online, from Wal-mart etc.)? The parents get to enjoy a yummy brunch while the kiddos bounce to their hearts? content (and hopefully bounce their way right to a good nap afterwards!)
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***Kind of a revelation, coming up on SATURDAY, MAY 12, we will have a ?Pamper the Ladies in a Bounce House?!? Just kidding, but we will actually have a family affair combining both of these events!? Our mommies will get pampered inside and in the back yard, while the Daddies watch the little ones bounce in the front yard!? Should be the best of both!
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Online Advertising with a Social Media Agency | Turn $1 into $100 ...
Did you know that in this day and age, online advertising has in fact become a real asset to many companies? The fact that social media vehicles such as Twitter and Facebook are very well-liked and YouTube are known to be extremely profitable showcases the fact that online marketing is the way to go. There are thousands and thousands of companies who vow by the benefits of social media and online advertising and how it has increased their profit margins. One of the most important aspects of this type of marketing would be search engine marketing consulting by a social media agency, which is excellent in driving up website visitors to your site.
Finally, this is really what counts. You need to think of lead generation and making links so that there is a great deal of traffic being built up for your site. With millions of users coming online, you need to be certain that you have your web site up there when it comes to the rankings. So what can you actually do in terms of online advertising? Well, most companies do end up employing a well versed social media agency. Needless to say that is an investment that is sure to assist online marketing and drive up your sales in the long term.
When deciding on a search engine marketing consulting, remember that there are many aspects that you need to think of. Most of all it would be the portfolio that is important. You have to know what exactly this consulting is capable of and whether he or she is worth the money you are putting on him. This is what will ensure that you pick up your money?s worth. Being able to network via social media is what will lead to you to getting grip on real talent.
What many people do not do is read up on the subject as well. You need to know about search engine optimization and what it can do so that you are better readied. Last, but not least, you need to see how much this search engine marketing consulting person is worth. There will also be many companies out there that will help your business and product gain a great deal of visibility. However, what you must understand is whether this is something that is useful.
If you are an online business, then you are perceptive of the fact th`t this is very important. Conventional companies will be particular, however. In this case, there should be more of a focus on outbound marketing. But if you are planning on taking your business online, then you do need to focus on inbound marketing.
fishbat is a web marketing firm that can assist you with your online reputation management. Check out fishbat.com today for more details!
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Students' week concludes at Arid Agriculture University | Pakistan ...
ISLAMABAD?-?The Pir Mehr Ali Shah Arid Agriculture University Rawalpindi (PMAS-AAUR) on Saturday, concluded its Students Week, held from March 27-31.
The Inter-university Bilingual Declamation Contest and a Food Festival were held at the last day of the Students? Week.
More than fifteen universities participated in the declamation contest. Hashim Mufti of NUST secured the first position in the English contest, Shuja Abbas of the Punjab University stood second and Afifa Fayyaz of the Islamic International Islamic University obtained the third position. Abid Afzal of the Azad Jammu Kashmir University, Muhammad Usama of the Punjab University stood first and second respectively and Shahid Lateef of the HITEC stood third in the Urdu declamation contest. PMAS-AAUR Vice Chancellor Prof Muhammad Munir was the chief guest and distributed shields and certificates among the winners. Speaking on the occasion, the chief guest said such competitions promoted healthy competition among the students. He stated that the active participation of the students in different extra-curricular activities is essential for inculcating a sense of responsibility, discipline, obedience and punctuality in them. The Food Festival was organised by the Student Affairs Directorate at the university?s campus. 35 different stalls of Pakistani food, drinks, music, books, formal and casual dresses and jewellery were main features of the Festival. The festival was well-attended by the university?s students and their families. A large number of the university?s faculty members were also present on the occasion.
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Kids' Choice Awards Owned By Justin Bieber, Taylor Swift
Performances from Katy Perry and One Direction also stood out at Nickelodeon awards show.
By Jocelyn Vena
<P>Host Will Smith was joined Saturday (March 31) by a bevy of stars for Nickelodeon's annual slime-fest, the <a href="http://www.nick.com/kids-choice-awards/">Kids' Choice Awards</a>. </P><P> </P><P>The movie star and MC kicked off the night with a KCA-themed rap that included the first sliming of the night, when buckets of the famed goo fell on the audience, setting the tone for the fun-filled evening. The "Men In Black III" star promised that 2012 would include a record-breaking amount of slime, adding, "No one is safe from the slime." That included Halle Berry, who was the first celeb to get slimed. </P><P> </P><P>The night's first presenters certainly brought the kooky factor up a bit. Nicki Minaj was decked out in a candy-colored dress complete with a bustier made out of tickets and bubbles glued to her skirt, as she stood alongside "Hunger Games" star Josh Hutcherson. The pair handed out the first blimp to Favorite Musical Group winners Big Time Rush. </P><P> </P><P><embed src="http://media.mtvnservices.com/mgid:uma:video:mtv.com:754722/cp~vid%3D754722%26uri%3Dmgid%3Auma%3Avideo%3Amtv.com%3A754722" width="460" height="260" type="application/x-shockwave-flash" allowFullScreen="true" allowScriptAccess="always" base="."></embed> </P><P> </P><P>Real-life couple and "The Amazing Spider-Man" stars Andrew Garfield and Emma Stone presented the award for Favorite Movie Actor. But before handing the blimp to Adam Sandler, Garfield told the room, "I feel like the luckiest guy in the world, 'cause I got to play my favorite superhero." </P><P> </P><P><strong><b><i><a href="http://www.mtv.com/news/articles/1682191/kids-choice-awards-2012-justin-bieber-slimed.jhtml">Justin Bieber Gets Slimed! Click to see the photos!</a></i></b></strong> </P><P> </P><P>KCA first-timer and "Glee" star Chris Colfer got slimed when he hit the stage to present Selena Gomez the award for Favorite TV Actress. Perhaps Heidi Klum should have shared this advice with him first: Never trust anyone at the KCAs. Decked out in a two-piece, midriff-baring top and sparkly skirt, Gomez also won for Favorite Female Singer. "After no longer doing my show, knowing you guys still watch it means so much," she said of her now-defunct Disney series "The Wizards of Waverly Place." </P><P> </P><P><a href="/news/articles/1682188/katy-perry-kids-choice-awards-performance-2012.jhtml">Katy Perry was the first performer</a> of the night. Done up in medieval gear, she flew across the room to the stage, where she broke out into her latest hit single, "Part of Me." Behind her, dancers were decked out in costumes from the same period. She served as a court performer, singing her scathing breakup track for the king and queen. The performance ended with Katy hitting the king with a pie. </P><P> </P><P>Perry also won a blimp for her work in "The Smurfs," declaring, "The only reason I'm here today is because I've never gown up. I can't wait to do 'Smurfs 2.' " </P><P> </P><P>Kristen Stewart won for Favorite Movie Actress for "The Twilight Saga: Breaking Dawn - Part 1." Beaming in blue lace, she said, "This is, like, the coolest awards show ever. I love Nickelodeon. I liked 'Doug,' 'Rocco's Modern Life.' Awesome. I just have to say: Katy Perry's armor was the coolest thing I've ever seen." </P><P> </P><P>Next up, the show got a bit serious when first lady <a href="/news/articles/1681879/michelle-obama-taylor-swift-kids-choice-awards.jhtml">Michelle Obama presented Taylor Swift</a> with the Big Help Award. Swift won the special blimp in recognition of her philanthropic efforts, including work with U.S. tornado and flood survivors and various youth-related charities. </P><P> </P><P>"I'm so honored. I have always wanted to meet you; this is amazing. I am so honored to be receiving this award from the first lady of the United States. I am freaking out," Swift said. "I'm really proud of all of you guys. I see you helping each other out. I think it's important you know you are making a difference in this world." </P><P> </P><P>Taylor Lautner has kicked enough butt and taken enough names on the big screen that he won the blimp for Favorite Butt Kicker. "This is amazing," he told the room of screaming fans. "Robert, I'm sure you'll be winning this award next year for 'Iron Man 3' and 'The Avengers.' " That Robert he was referring to was presenter Robert Downey Jr., not Pattinson, obviously. </P><P> </P><P>After winning, he was forced to do 1,000 push-ups by Smith. His reward for completing the misson? Getting slimed. </P><P> </P><P><a href="/news/articles/1682190/one-direction-kids-choice-awards-performance-2012.jhtml">One Direction continued their U.S. takeover</a> with their performance on the show. For "What Makes You Beautiful," the guys wore all black-and-white while futuristic lights danced behind them. Proving that everyone is a One Directioner at this point, Katy Perry, Taylor Swift and Selena Gomez danced around in the audience and sang every word of the song, while the fivesome kept girls screaming with their frothy, lighthearted pop track. </P><P> </P><P>The big twist of the night came when Cee Lo Green was revealed as Will Smith's nemesis, the man dubbed "Creepy Voice." "Creepy Voice" had spent the night taunting Will, telling him how inadequate a host he is. His reasons? "I've always wanted to be slimed," "The Voice" judge said. "My name is Cee Lo Green. Slime's green. Slime me!" He didn't get slimed, but he did get ice-cream-sundaed. Maybe next year, Cee Lo. </P><P> </P><P>After kicking Jaden and Willow out and accusing them of being "Creepy Voice," he brought his performer kids back out to hand out Favorite Male Singer, the night's last award. <a href="/news/articles/1682156/justin-bieber-explains-boyfriend-video.jhtml">Justin Bieber, fresh from shooting his "Boyfriend" video</a>, took the stage to accept his blimp. </P><P> </P><P>"Right now, I've been working really hard on my album, <I>Believe.</I> This album is our album. This [blimp] goes out to all the fans. I love you so much," he said. In addition to the blimp, with Will by his side, Bieber got über-slimed, with the ooey-gooey stuff spewing out from the stage all over him. </P><P> </P><P>And, with that, the show ended. </P><P> </P><P><i>What did you think of the Kids' Choice Awards? Let us know in the comments!</i></p>
Related Videos Related Photos- Justin Bieber Gets Slimed At Kids' Choice Awards!
- Nickelodeon Kids' Choice Awards 2012 Orange Carpet
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Affiliate Marketing and Product Creation Part 10 of 13 |
Friday, March 30th, 2012 at 8:44 pm ?
Jeff Johnson?s www.UndergroundConfessions.com Affiliate Marketing and Product Creation Part 10 of 13 Related to internet marketing jeff johnson affiliate marketing super affiliate SEO search engine optimization affiliate internet affiliate marketing underground confessions internet?
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MAGAS MAKES THE WALL STREET JOURNAL! | Steve Magas ...
I wrote an essay a few years ago called ?The BLS - Boring Legal Sh?.er? Stuff ? For Cyclists,? in which I described how your homeowner?s insurance, auto coverage, health insurance and more intersect when you are whacked by a car. ?I also suggested that cyclists need to make sure their Estate Planning was in order by updating their will and having Powers of Attorney in place for financial and health care matters. ?Fast forward a few years and this piece was mentioned on a hotsy-totsy financial planning website. A writer from The Wall Street Journal saw it -and suddenly I?m on the phone with Arden Dale, a regular WSJ contributor! ?On March 13, 2012 Ms. Dale?s Wall Street Journal story about Estate Planning for Sports Enthusiasts hits the web, and there, in a 43 word paragraph, Ms. Dale describes our 30 minute conversation for all WSJ readers to take in.
Ms. Dale wrote: ?? Pushing the envelope also makes it smart to take a close look at insurance. Most cyclists don?t understand that auto, homeowners? and umbrella policies may help if a car hits them, says Steven M. Magas, a Cincinnati lawyer who works with avid cyclists?.?
The BLS article has been a popular one. ?I wrote it for local publication but it was picked up by Adventure Cycling for inclusion in their national Cyclist?s Yellow Pages. ?You can still read it here.
In short, the article recommends that cyclists need to get their act together? Cyclists should have insurance to cover them if something should happen while they are on the road. ?Cyclists should NOT expect that ?the other guy? is going to have insurance, or enough insurance to cover their claim. ?Cyclists should maintain adequate auto coverage, with sufficient ?UM/UIM? limits [Uninsured/Underinsured Motorists Coverage] to protect themselves in case the other guys does NOT have adequate coverage.
MED PAY ISSUES
Also, check out your auto policy?s ?Med Pay? limits. ??Med Pay? is short of ?Medical Payments?- called ?PIP? ?coverage in no-fault states ? and is another important coverage. ?Med Pay acts like a mini health insurance policy if you are whacked by a car. ?However, you should ALWAYS use your health insurance first. ?Today, when you get to the E/R after a crash, the Billing Department will ask immediately for your AUTO policy info. ?Seems like an odd request ?- why do they need that info?
Well, your health insurer has negotiated a deal with the E/R. ?The $1500.00 E/R bill may only result in a $900 payment from your health insurer. ?If the E/R Billing Department can get that bill to you AUTO carrier the auto carrier will pay 100% of it, or $1500.00, without any markdown or negotiated lower rate. ?E/R?s, doctors and those who regularly find themselves dealing with crash victims are slowly learning to get the bill paid by the Auto carrier, not the health insurance carrier.
YOU, however, should not let this happen. You should make sure your bills are paid by your health insurer. ?You should remain in control of that ?Med Pay? money ? you may need it to pay ?co-pays? or the 20% you owe under an ?80/20? health insurance policy. ?The E/R?s and other care providers will fight you on this ? they want $1500, not $900 ? but you have the right to have your bills paid the was YOU want them, and to have all the bills submitted to your health insurer.
DON?T BUY NATIONWIDE AUTO INSURANCE
Another point on auto insurance and ?Med Pay? ? BEWARE OF NATIONWIDE INSURANCE. ?I usually don?t mention specific companies by name here ? but Nationwide bears special mention because of its position on ?Med Pay? claims that is VERY detrimental to all cyclists.
In every other ?bike case? ?I?ve ever handled with ANY other insurer, the Med Pay clause covers bicycle riders. ?Nationwide, however, says ?NO? to cyclists. ?Nationwide claims that its Med Pay coverage is limited to ?pedestrians? and that cyclists are not pedestrians. ?Therefore, Nationwide refuses to pay the medical bills of bicycle riders who are whacked by cars. ? ?No word on whether Nationwide would cover, skateboarders, rollerbladers, horseback riders, pogo stick users, kids on tricycles, babies in baby carriages or other ?non-pedestrians.?
I am currently litigating this with Nationwide, so I may have more to report down the road. ?There is a court of appeals decision in Ohio which indicates that, for insurance coverage purposes, the word ?pedestrian? means more than simply people walking around. ?For purposes of Uninsured/Underinsured Motorist coverage, the words ?pedestrian? includes a person on a bicycle, according to a 2004 case. ?Nationwide, apparently doesn?t feel this case is controlling?
WHAT?S THE DEAL WITH HOMEOWNER?S COVERAGE?
What happens if YOU goof ? you run a red light and hit a car. You clobber a pedestrian who has the right of way in a crosswalk. Now, someone wants to bring a claim against YOU for your careless riding. Who pays THAT claim?
Many cyclists are unaware that their HOMEOWNER?s policy will cover them in this situation. ?Just as you have coverage in case your neighbor slips and falls on your property, your H/O policy provides coverage for all types of ?negligence? ? including negligently riding a bicycle and causing property damage or injury. ?Again, check your policy limits to make sure you have enough coverage!
ARE YOU CARRYING AN UMBRELLA WHEN YOU RIDE?
An ?umbrella? is a special type of policy which covers over the top of your other insurance. ?Umbrellas, as you might have guessed, are only used on ?rainy days? ? OK, poor pun, but somewhat applicable. ?Your auto policy covers for virtually all claims that arise in your lifetime, but what if you are in a situation where you have a very big claim ? and all the usual coverages are used up? ?An umbrella kicks in only during that unique situation ? a once in a lifetime situation.
Umbrellas come in BIG coverages- usually a$1,000,000 or more. However, because they only come into play in very rare circumstances, the cost of such coverage is fairly low compared to other coverages. ?Many professionals use an umbrella to protect them in case of malpractice or claims of professional negligence, however, umbrellas can apply to your auto coverage too. ?If you do something stupid and cause someone else to have a million dollar claim against you, the umbrella kicks in. ?If someone else does something to cause YOU to have a million dollar claim? you also have source of funds to pay that claim.
Be careful here ? and talk very specifically with your insurance professional about your needs and your lifestyle. ?I had a case in which my client, a CPA, and her husband, also a CPA, had purchased an umbrella. ?She had a very bad crash caused by someone with very little insurance. They had a large UM/UIM policy, which we were able to get, and they also had an ?umbrella.? However, for whatever reason, their insurance agent talked them into signing a document that WAIVED umbrella coverage for AUTO claims!
That?s right? they did everything I recommended? bought a large UM/UIM policy, good Med Pay, and purchased an Umbrella policy ? except that they told the Umbrella insurance company that they didn?t want the umbrella to apply to auto crashes? they didn?t even realize what they were giving up when they signed this ?waiver? ? soooo?..they were stuck with a large claim that was not fully paid.
BOTTOM LINE[S]
Bottom line 1 ? THANK YOU WSJ for spelling my name right!
Bottom Line 2 ? Cyclists should NOT be buying Nationwide Insurance.
Bottom Line 3 ? TALK to your insurance agent about your H/O, Auto & Umbrella needs!
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Related posts:
- In Florida ? Judge Allows Punitive Damages in TEXTING Case
- ALL OHIO FATAL BIKE CRASHES TO BE REVIEWED
- FUNNY INSURANCE STUFF?? WHO KNEW?
- WHAT?S GOING ON IN GEAUGA COUNTY?
- How Many Cycling Deaths in Ohio in 2010?
Printed from: http://www.ohiobikelawyer.com/bike-law-101/2012/03/magas-makes-the-wall-street-journal/ .
? 2012.
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