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Find things that encourage people to engage. By tracking the statistics on each of your emails, you'll be able to develop concise reports about what works and what doesn't for your target audience. Take note of the specific days and times for your highest open and conversion rates. Test different tones and subject lines and see what causes your audience to read the blast. Stick to the things that your consumer tends to favor or enjoy and avoid repeating aspects of emails that do poorly according to the stats.
A standard industry term used in email marketing to describe the act of "blasting" a message out to a group of hundreds or thousands of people simultaneously, similar to the act of "blasting" a verbal message out with a loud speaker. Typically used to differentiate between two-way email interactions (where a customer emails a question and the company responds), and one-way bulk email interactions (such as newsletters or promotions).
Thanks for the warning re ESPs, spam traps & spam treatments Crystal. That's a shame. Who puts the Spam trap in there & I wonder what they're trying to achieve? The clients I have already picked up with this purchased list may save our business. As mentioned, at $250-$500 per lead through our SEO campaign, this lead acquisition rate was unsustainable. In brief, this would not be a business. But at $13.75 per lead through the purchased cold email list, those are metrics which make a profitable business. I wonder why anyone would try to block this efficiency with Spam traps? Thanks for your time to help.
Today, perhaps the bigger question is whether digital marketing is a necessary term concept since some commentators have stated that we're now in a post-digital era with 'almost all' marketing now being digital now digital media and technology have become so pervasive. My view on this, explained in the post above is that we do very much need digital marketing, since many businesses still undergoing digital transformation and recruiting the digital marketing jobs and roles needed to compete. The trend in search volume also suggests there are more people searching for digital marketing than ever before, albeit with a drop before Christmas.
Hint: Using the Advanced tab, you can float the image so text can wrap around it. The vertical and horizontal spaces are the amount of space (measured in pixels) you want between the image and anything else on the page. This is usually used to provide space between text in a surrounding article and an image. Copy and paste this: float: left; margin: 0px 10px 0px 10px; into the Style box under Advanced for a quick and easy image float, as you can see here:
You have to realize, whether you are a business with a physical presence or work completely online, marketing in the internet is something you have to work with and put to your advantage. This would mean that you could reach millions of people around the world. It is unsurprising, then, that businesses have been moving more and more of their marketing resources online.
With the GDPR now governing all email correspondence across Europe, adding an opt-out option to your email template no longer cuts it. Under this act, you must have explicit consent from your contacts to send them emails. Explicit, in this case, means the checkbox a person must click to opt in to an email subscription isn't pre-checked when they see it on your website. And when you buy your email lists, the people on it haven't been given this option -- making you non-compliant with GDPR before you send your first email.
Electronic mailing list servers may be set to forward messages to subscribers of a particular mailing list either individually as they are received by the list server, or in digest form in which all messages received on a particular day by the list server are combined into one email that is sent once per day to subscribers. Some mailing lists allow individual subscribers to decide how they prefer to receive messages from the list server (individual or digest).[2]
The curriculum of a bachelor's degree program in e-marketing includes general education and business foundation courses. You'll get a background in marketing, finance, accounting, economics, business management and business law. Your e-marketing courses could include consumer behavior, search engine marketing, social media marketing, interactive marketing, business applications, web analytics and cyber law. You may also complete an internship or other type of practical training.
All text is boring, but too many images, in relation to the amount of text in the email, can actually increase the likelihood your email will get picked up by a spam filter (spammers use this tactic, to hide spammy words from filters). In addition, images draw attention, but you do not want them to draw too much attention, away from important text. You'll be in good shape if you enter your text first, then sprinkle images where it's appropriate.
I think what Brian and the testers are missing is that 15k is neither big enough to be impressive nor small enough to be inviting. It's not a number that works effectively as social proof, and while I can't test it out myself, I believe, based on evidence for social proof around the web, that DIYthemes would have had much better success with a combined number in the 50k+ range as mentioned above.
It's practically impossible to overstate the importance of direct mailing lists to the success of your direct mail program. The correct mailing list will contain your most valuable prospects. The more careful you are in analyzing and selecting direct mailing lists, the better your chances for success. There are several different categories of mailing lists available on the market today ranging in cost and appropriateness for your market. When you are considering what type of mailing list to buy consider the following three types:
Digital marketing activity is still growing across the world according to the headline global marketing index. A study published in September 2018, found that global outlays on digital marketing tactics are approaching $100 billion.[40] Digital media continues to rapidly grow; while the marketing budgets are expanding, traditional media is declining (World Economics, 2015).[41] Digital media helps brands reach consumers to engage with their product or service in a personalised way. Five areas, which are outlined as current industry practices that are often ineffective are prioritizing clicks, balancing search and display, understanding mobiles, targeting, viewability, brand safety and invalid traffic, and cross-platform measurement (Whiteside, 2016).[42] Why these practices are ineffective and some ways around making these aspects effective are discussed surrounding the following points.
Marketers need to authenticate their email to prove to ISPs that their messages are legitimate, helping to ensure delivery to their subscribers. Sender Policy Framework (SPF) verifies a brand's identity; DomainKeys Identified Mail (DKIM) verifies the message wasn't tampered with in transmission; and Domain Based Authentication Reporting and Conformance (DMARC) requires both SPF and DKIM approval in order to authenticate.
Julie Ewald recommends moving away from sending generic content to your whole email list via e-blast entirely. With a little elbow grease, you can utilize segmentation and start sending off tailored messages to each of your lists with content that's relevant, valuable, and designed to resonate with the kind of recipients that make up each segment.
Let our professional designers create the perfect postcard marketing campaign. They'll even help you select a list of prospective customers using search selections like area codes, city, county, state, years in come, household income, presence of children, lifestyle interests, and ZIP Code. Plus, don't miss our handy mapping tool to assist you in your search!
Back in the early days of email we were more worried about choosing the perfect username than we were about marketing. In fact I distinctly remember being more stressed over forwarding a chain email to five other people, because it'd somehow improve the chances of my high school crush declaring their passionate love for me, than I was about whatever newsletter found its way into my inbox.
As digital marketing continues to grow and develop, brands take great advantage of using technology and the Internet as a successful way to communicate with its clients and allows them to increase the reach of who they can interact with and how they go about doing so,.[2] There are however disadvantages that are not commonly looked into due to how much a business relies on it. It is important for marketers to take into consideration both advantages and disadvantages of digital marketing when considering their marketing strategy and business goals.
Businesses use e-marketing, or Internet marketing, to reach consumers and market products to them. Methods for e-marketing often involve electronic communication and digital technology. To connect with consumers through e-marketing, a business may send e-mails to new and existing customers. They may also advertise on websites or alter content on their own sites to ensure that their businesses rate high in search engine results. Other advertising mediums, such as television and radio, can prove expensive, so e-marketing methods can be an attractive alternative to businesses that want to spend less money to reach potential clients on a global scale.
Presentation is everything, or so they say. With this old adage in mind, we've compiled our best tips for anyone who wants to send emails that subscribers click into a handy email design guide. We cover each facet of design: content, templates, identity, color, images, layout, fonts, and calls to action. Design is as much science as it is art, and we take the guesswork out of what can seem like the most challenging part of sending good emails.
Basic text-based email editors to fully designed HTML or JavaScript templates are just some of the features these packages can provide businesses. You can manage your contacts by simply keeping a list of names and email addresses or you can create a complex database full of subscribers segmented by demographic slices and engagement levels. Which method you choose really just depends on how much of your budget you're willing to allocate towards the email marketing software that can give your company the features it needs.
Disclaimer: We spend hours researching and writing our articles and strive to provide accurate, up-to-date content. However, our research is meant to aid your own, and we are not acting as licensed professionals. We recommend that you consult with your own lawyer, accountant, or other licensed professional for relevant business decisions. Click here to see our full disclaimer.
First we have our exit intent pop-up, also known as a hover pop-up, which we use to help with our bounce rate. They appear almost exactly a minute after you come onto our site, which studies have shown to be the optimum time for conversion. While these can be annoying, the key to this style of pop-up is to use a lead magnet that offers an unbelievable amount of value. That's why we offer people the option to sign up to our masterclasses.
GoDaddy Email Marketing provides great statistics to show you how many people are opening, engaging with and sharing your email. There's no mystery or guesswork. You can even compare different emails side-by-side to quickly see which emails get the best response. Once you know what appeals to your readers, you can refine your emails for even better results.
Using Dr Dave Chaffey's approach, the digital marketing planning (DMP) has three main stages: Opportunity, Strategy and Action. He suggests that any business looking to implement a successful digital marketing strategy must structure their plan by looking at opportunity, strategy and action. This generic strategic approach often has phases of situation review, goal setting, strategy formulation, resource allocation and monitoring.[60]
Thanks for the post, Neil! I have been trying to find good resources for brainstorming what kind of offers our content marketing should have. For some reason, my creativity is completely dried up in this arena. The question "What does your target audience want?" for some reason doesn't get at the root of the problem for me. Do you have any resources you would recommend for brainstorming that "Tantalizing" content?
Electronic mailing lists usually are fully or partially automated through the use of special mailing list software and a reflector address set up on a server capable of receiving email. Incoming messages sent to the reflector address are processed by the software, and, depending on their content, are acted upon internally (in the case of messages containing commands directed at the software itself) or are distributed to all email addresses subscribed to the mailing list.
Within the past decade there has been a podcasting revolution going on, with the number of Americans who listen to podcasts doubling in seven years. Maybe it's because they're just so convenient and so much easier to consume, or maybe it's because the format is just somehow perfect for storytelling. Whatever it is, podcasting is here to stay and is one of the most engaging forms of media out there.
Presentation is everything, or so they say. With this old adage in mind, we've compiled our best tips for anyone who wants to send emails that subscribers click into a handy email design guide. We cover each facet of design: content, templates, identity, color, images, layout, fonts, and calls to action. Design is as much science as it is art, and we take the guesswork out of what can seem like the most challenging part of sending good emails.
I recently had my MailChimp account suspended. One of my sites is in the 'make money online' space. It's a completely legitimate website, but apparently if your emails contain keywords they don't like, they will suspend you. I would not recommend using them. Contacting support I just get form responses that are completely unhelpful. There's no phone support- just account termination. Really bad experience. Luckily, this is a very new site- but imagine if you have thousands of emails and they just shut you down without ANY recourse.
Digital marketing methods such as search engine optimization (SEO), search engine marketing (SEM), content marketing, influencer marketing, content automation, campaign marketing, data-driven marketing,[6] e-commerce marketing, social media marketing, social media optimization, e-mail direct marketing, display advertising, e–books, and optical disks and games are becoming more common in our advancing technology. In fact, digital marketing now extends to non-Internet channels that provide digital media, such as mobile phones (SMS and MMS), callback, and on-hold mobile ring tones.[7] In essence, this extension to non-Internet channels helps to differentiate digital marketing from online marketing, another catch-all term for the marketing methods mentioned above, which strictly occur online.
This is a process described by Seth Godin known as permission marketing. The core concept of this idea is that you never market to someone that doesn't want it, you first have to ask them for their permission. When someone signs up to your email not only do they become a warm lead but they give you their permission to send them offers and to market to them.
Email marketing has always been Permission based, but is silently replaced with its brother; Tease Marketing, continuously building on a brand relationship based on mutual interest. The challenge becomes presenting an – already in itself – appealing and attractive message. But how to benchmark your email marketing efforts to fit that new train of thought?
Chaffey developed a more in depth definition for "digital marketing" at the end of his article with SmartInsights.com. Digital marketing means utilizing digital hardware – such as PCs, mobile phones, digital TV – to market a product via online communication mediums like websites, search engines, blogs and instant messaging in order to attain new customers and retain existing clientele. Executing a marketing campaign in this way allows for direct interaction with your clientele; this will make your clients feel valued and listened to, which will encourage customer loyalty.
You definitely want to avoid the tactics of spammers and the language that they employ. Loading the email blast with terms like "special offer" or "urgent news" could send up a flag for spam and that will get your email newsletter sent straight to the spam folder. For more information about sending emails that don't look like spam, check out these email marketing laws for business owners.
Just like with any other form of advertising, you will need to hit people with your message more than once in order to maximize effectiveness. Your first send might pique their interest, but people are receiving mail at the same time they are getting home, and are facing many distractions. By consistently sending marketing messages, you increase the chance that they will convert.
Within the past decade there has been a podcasting revolution going on, with the number of Americans who listen to podcasts doubling in seven years. Maybe it's because they're just so convenient and so much easier to consume, or maybe it's because the format is just somehow perfect for storytelling. Whatever it is, podcasting is here to stay and is one of the most engaging forms of media out there.
Chaffey developed a more in depth definition for "digital marketing" at the end of his article with SmartInsights.com. Digital marketing means utilizing digital hardware – such as PCs, mobile phones, digital TV – to market a product via online communication mediums like websites, search engines, blogs and instant messaging in order to attain new customers and retain existing clientele. Executing a marketing campaign in this way allows for direct interaction with your clientele; this will make your clients feel valued and listened to, which will encourage customer loyalty.
Another disadvantage is that even an individual or small group of people can harm image of an established brand. For instance Dopplegnager is a term that is used to disapprove an image about a certain brand that is spread by anti-brand activists, bloggers, and opinion leaders. The word Doppelganger is a combination of two German words Doppel (double) and Ganger (walker), thus it means double walker or as in English it is said alter ego. Generally brand creates images for itself to emotionally appeal to their customers. However some would disagree with this image and make alterations to this image and present in funny or cynical way, hence distorting the brand image, hence creating a Doppelganger image, blog or content (Rindfleisch, 2016).
You could use your Hotmail, Gmail or Yahoo accounts, but if you need something professional and fool-proof and want to avoid being labeled a spammer, it's a far better idea to use an email blast program provided by a professional email marketing company such as Benchmark Email. Benchmark's partnerships with elite consortiums like The Email Sender & Provider Coalition (EPSC) and leading delivery experts like Return Path give you the best chance of reaching a prospect's inbox, which is a major challenge in email blast marketing. Benchmark Email even has built-in data merging features, which allow you to import contact information from different databases so you don't need to re-enter long email lists. Besides this, you can also customize your mails in easy-to-use HTML editors before sending them to your customers and prospects.
With brands using the Internet space to reach their target customers; digital marketing has become a beneficial career option as well. At present, companies are more into hiring individuals familiar in implementing digital marketing strategies and this has led the stream to become a preferred choice amongst individuals inspiring institutes to come up and offer professional courses in Digital Marketing.
When people talk about email marketing, lots of them forget to mention transactional emails. These are the automated emails you get in your inbox after taking a certain action on a website. This could be anything from filling out a form, to purchasing a product, to updating you on the progress of your order. Often, these are plain text emails that marketers set and forget.
Here are a few tips to help businesses avoid sending email campaigns that qualify as "blasts." In doing so, you'll also realize other benefits, including fewer people who unsubscribe from your email lists, fewer emails caught in spam filters, delivery rates that improve, and better overall email performance results that dramatically drive up sales. https://www.bkacontent.com/wp-content/uploads/2017/05/Email-Marketing-1024x646.jpg
If you create an email blast that asks your contacts to do something (like call you, fill out a form on your website, or take advantage of an offer), make sure you have that high up in the email. A good rule of thumb is that your call to action should appear right away, when someone opens your email. If someone has to scroll to find it, it's in the wrong place. It's the same philosophy as the old newspaper theory that the stories "above the fold" are those which get the most attention.
First we have our exit intent pop-up, also known as a hover pop-up, which we use to help with our bounce rate. They appear almost exactly a minute after you come onto our site, which studies have shown to be the optimum time for conversion. While these can be annoying, the key to this style of pop-up is to use a lead magnet that offers an unbelievable amount of value. That's why we offer people the option to sign up to our masterclasses.
Postcards can still be an effective medium if you use one of the oversized formats. One of our clients mails more than 2 million prospecting postcards a year and has had great success with an 11″ x 6″ size. This is just large enough to stand out from the rest of the mail and yet not so large that it incurrs additional postage. Obviously, good creative and a relevent message help tremendously, but from a pure format standpoint, this size has worked best for our clients. https://i0.wp.com/digitalmarketingskill.com/wp-content/uploads/2015/06/Email-Marketing-Campaign-Fundamentals-For-Digital-Newbies-1.png?resize
Alas, ESPs on shared IP addresses that don't require customers to use opt-in email lists typically suffer poor deliverability. Why? One customer's ill-gotten email address list can poison the deliverability of the other customers on that shared IP address. You're going to want to hitch your wagon to the light side of the email marketing force if you want your emails to actually get into inboxes.
E-mail promotion is widely used by e-marketers to send new product/service information to their registered customers. For example, airline companies periodically e-mail their registered customers about their e-fares and promotional vacation packages. Spamming refers to sending millions of e-mail promotions to recipients who have never asked for the information. These recipients' e-mail addresses are often purchased or swapped with other businesses. Spamming is at best unethical and at worst illegal.
However, there is some juice when you buy emails list. If you buy 100,000emails and 85,000 happens to bounce it means you have a conversion rate of 15%. This is quite significant and why should I not buy if 15,000 are going to be good? How long does it take to have 15,000 people subscribe to ones list? If one is able to maintain and convert this 15,000 to become part of a sign up list, then can we not see that buying email lists could be a gold mine?
E-marketing is deemed to be broad in scope, because it not only refers to marketing and promotions over the Internet, but also includes marketing done via e-mail and wireless media. E-marketing also embraces the management of digital customer data and electronic customer relationship management (ECRM) and several other business management functions.
Generating your own list of email contacts who have opted in to receive content from you doesn't just comply with legal regulation and protect your brand reputation. It also presents you with opportunities to grow this list through genuine relationships with new customers. We've already written a post of clever ways to go about doing this, which you can check out here. But below are the basic best practices that have a very big bang for their buck when it comes to consistently growing an email list.
The DMA's 2017 Response Rate Report finds that the response rate for mail sent to people on house lists (subscribers who opted in to mail) was 5.1% for the year, and the response rate for prospect lists (potential clients) was 2.9%. These numbers are up from 2003, when house lists drew a response of 4.4% and prospect lists a response of 2.1%. And even though online shopping has surpassed purchases from direct mail pieces, the DMA reports that 100.7 million U.S. adults made a purchase from a catalog in 2016, compared with 209.6 million people who made purchases online the same year, per Statista.
Data-driven advertising: Users generate a lot of data in every step they take on the path of customer journey and Brands can now use that data to activate their known audience with data-driven programmatic media buying. Without exposing customers' privacy, users' Data can be collected from digital channels (e.g.: when customer visits a website, reads an e-mail, or launches and interact with brand's mobile app), brands can also collect data from real world customer interactions, such as brick and mortar stores visits and from CRM and Sales engines datasets. Also known as People-based marketing or addressable media, Data-driven advertising is empowering brands to find their loyal customers in their audience and deliver in real time a much more personal communication, highly relevant to each customers' moment and actions.[37]
When it comes to rented or purchased lists, you may come across vendors or marketers who say, "This email list is totally opt-in!" This means the people on the list opted in to an email communication from someone at some point in time -- the list provider, for example -- by filling out a form or checking a box to receive more content from that provider.
Testimonials – If you work with contractors or freelancers, you can reach out to them to offer your testimonials in exchange for a link. Moreover, if you are using consultants' or specialists' services, you can also do the same as you do with contractors. Lastly, if there are customers who are happy with your product or service offering and they do not mind you linking to their site, this could be a good opportunity for your business.
So far I have refrained from telling her all the reasons I hate the term eblast or email blast. She clearly doesn't like sending the email and doesn't think too highly of it, so correcting her email marketing terminology is not likely to be a fun conversation. But I do think "eblast" is worth talking about with you. If you're an email marketer, you're probably annoyed by the term "eblast" or "email blast" too.
If your campaign includes emails to a large number of accounts that are either no longer active or have not been used for a long time, alarm bells start to ring. Email services want to see senders of bulk email campaigns make an effort to send only emails that will be seen by their recipients, since this is something spammers are unlikely to care about.
"People often only think of promotional products as items to give away during a tradeshow or to clients. But what about using them in direct mail campaigns? Along with your sales/marketing message, include something like a pen. Those who are on the receiving end are at least 50% more likely to keep the pen, and in doing so, you'll remain in their house in the future, used or not. " ~ Logan Lenz, Endagon
There are several web-based programs which send out email blasts and which also help the user to remain in conformity to anti-spam laws. The best and most versatile service is Aweber. It charges a flat rate of under $20 per month and everything is unlimited. For smaller email lists, MailChimp is excellent and one can use it for free if there are fewer than 2000 subscribers on the email list, and one only needs to send out a few blasts each month.
This one really ruffles our feathers because it implies that you are shoving a bunch of spammy emails down your unsuspecting audiences throats. Blast away! In reality, we want email to be strategic, targeted, personalized, and properly segmented. Additionally, we want the content to be simple, direct, to the point, and useful. With this in mind, the word "blast" seems a bit too intense.
Digital marketing activity is still growing across the world according to the headline global marketing index. A study published in September 2018, found that global outlays on digital marketing tactics are approaching $100 billion.[40] Digital media continues to rapidly grow; while the marketing budgets are expanding, traditional media is declining (World Economics, 2015).[41] Digital media helps brands reach consumers to engage with their product or service in a personalised way. Five areas, which are outlined as current industry practices that are often ineffective are prioritizing clicks, balancing search and display, understanding mobiles, targeting, viewability, brand safety and invalid traffic, and cross-platform measurement (Whiteside, 2016).[42] Why these practices are ineffective and some ways around making these aspects effective are discussed surrounding the following points.
You want to have a single purpose for your direct mail piece. Often times the goal of a direct mail campaign is to get the recipient to buy a product or use a service. Other goals can be to send people to your website, get people to enter a contest, or let people know about an upcoming event. Knowing your goal will help you formulate what you want the direct mail piece to say. You also need to consider what the recipient stands to gain from the letter.


text:
Type History 1
Featured here is the first part of a small history of type. This history, normally told from the Anglo-Saxon point of view, is from a French perspective, allowing the reader to form one's own opinion. Part Two, covering the twentieth century and recent history, is also available.
Parisine dans le métro
E-commerce broken
You may already noticed: our e-commerce is broken until further notice. Comeback later, we work hard to bring it back soon as possible,...
E-commerce is back
Everything is back to normal, you can buy anything you want, now only in ?OpenType Std?:/alphabets/technical/stdopentype or ?OpenType…
April fool 2008
[righthand]?Yesterday news?:/gazette/hot_news/?id=290 was not fully right obviously. For sure, we launched a new typeface family, ?Le Monde…
Verspieren new custom typeface
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Available through 31 May 2008.
[lettrine]T[/lettrine]o celebrate the launch of the ?Le Monde Courrier…
March 2008 newsletter
[righthand] We?ve just sent the ?March 2008 newsletter?:/profile/press/newsletter0308 to our clients and mailinglist subscribers.
I love typography and logotypes
?iLT?:http://ilovetypography.com/ new masterhead is set in ?Le Monde Livre PTF Bold.?:/alphabets/view/LeMondeLivrePTFx2
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New specimens
For our PTF versions, the OpenType collection from Porchez Typofonderie, we?ve just put online complete type specimens in pdf format…

subset: commoncrawl


text:
Updated and remodeled! Dont' miss this gem close to Boerne High School. Shaded yard with new sod, oversized back porch and country views. The home has had a kitchen overhaul to include granite and appliances, fresh paint, new carpet in bedrooms installed Dec. 2018, updated master shower, updated fixtures and fans and so much more. All this home needs is you. NOTE: There is no garage...
Two Eating Areas, Two Living Area, All Bedrooms Downstairs, Attic - Pull Down Stairs, Converted Garage, Laundry Main Level, Open Floor Plan, Separate Dining Room, Telephone, Utility Room Inside, Walk in Closets
Chandelier, Ceiling Fans, Disposal, Dryer Connection, Dishwasher, Electric Water Heater, Ice Maker Connection, Smooth Cooktop, Smoke Alarm, Stove/Range, Washer Connection
The data relating to real estate on this web site comes in part from the Internet Data Exchange program of the MLS of the San Antonio Board of Realtors®, and is updated as of April 26th, 2019 at 12:58am CDT (date/time).
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.


text: 北京快乐8官方走势图:Focus - ĻJ北京快乐8质合走势图ĻJ //www.t-rna.com/exchange-en Eurex Exchange's Quarterly Equity Derivatives Highlights - Q1/2019 - ĻJ北京快乐8质合走势图ĻJ //www.t-rna.com/exchange-en/about-us/news/quarterly_equity_derivatives_highlights-1532888 Equity options: The first quarter of 2019 showed a clear continuation of the previous quarter with stock indices trending up and volatility trending down hovering around historic lows. There is ample cause to be cautious though. Europe still doesnĄŊt know how Brexit will play out or how its effects and looming trade wars could affect the economy. Being cautious could explain the continued strong volume development of our equity options and futures segment in the first quarter 2019. The options segment showed a robust development versus the already strong first 2018 quarter with considerable growth rates in especially the Swiss, French, Dutch and Italian segment. Four Swiss equities Zurich Insurance Group, NestlĻĶ, Novartis and UBS all lead the ranking in terms of traded contracts.? The strong volume performance of the Swiss segment coincides with the ongoing traction of our Eurex EnLight service in the Swiss Single Equity options segment. Eurex EnLight is the selective RFQ service within the regulated exchange environment aimed to bring on-book efficiency to the off-book market. Since the launch of Eurex EnLight, a total of 529 requests have been initiated in equity derivatives resulting in 240 transactions, a trade to request ratio of 45%. The average transaction size amounted to 906 contracts. The success of Eurex EnLight has prompted Eurex to extend the service to all equity and equity index options as of 2 May 2019. Be sure to be ready for Eurex EnLight. Please don't hesitate to contact us for more information on this service. Single Stock Futures: The Single Stock Futures also continued their volume growth versus the first quarter last year with a segment growth of 54 percent. Single Stock Futures offer a broad range of usage in combination with hedging strategies, cash extraction or relative value strategies. Although the French segment has overtaken the Spanish segment in terms of volume due to AXA, Total and CrĻĶdit Agricole, the largest futures contract continues to be Banco Santander. ? For a full list of Eurex Exchange's equity derivatives, please visit our website. To learn more about our products and services, please do not hesitate to contact your local Sales representative,?visit our?website or follow us on Twitter @eurexgroup and LinkedIn. ? Tue, 16 Apr 2019 22:00:00 GMT 2019-04-16T22:00:00Z Topic of the week: How to tackle risk? - ĻJ北京快乐8质合走势图ĻJ //www.t-rna.com/exchange-en/about-us/news/Topic-of-the-week-How-to-tackle-risk--1530200 Thomas, what kind of risks does Eurex need to prepare for in particular? Well, our key value proposition is to ensure the continuity of the markets. The risk we are facing as a market infrastructure provider is that we are unable to fulfill our services either to individual participants or to the whole market. So, continuity is key and we in first place need to ensure that we can manage operational risk, for example, that the system is not available, people are not there or there is an error in a system, a process, or a human error e.g. the much-quoted fat finger. The second important source of risk we have is related to failures of individual members to fulfill their contractual obligations, what is known as counterparty risk management. The role of the CCP is to protect the market against this. We need to make sure that if players fail, like it happened to Lehman or Maple Bank for example, do not affect the whole business. We are not only managing risk for ourselves, we are also managing risk for our clients and the markets. The third important risk category is liquidity risk, i.e. to ensure that we have enough cash available to pay our obligations out of settlement, clearing cash flows, etc. Dmitrij, has the nature of risks changed over the years? The clearing industry has changed over the last years, but main risks still fall in the same buckets operational risk, credit risk and liquidity risk. On the operational side, the sources of risk have changed. Information security risk is becoming more prominent ĻC cyberattack is the buzzword to name here. On the financial risk side, the structure of participants is changing, so we have more buy-side participants becoming active and becoming direct members. In addition, as risk management capabilities have developed over time, some sources of risks have been mitigated and the focus shifts to higher order risks. For example as plain-vanilla credit risk is well managed with our Risk Management Framework (margins, default fund, etc.), further topics like interconnectedness of large members and the concentration on large members gain on focus in industry discussions. Risks and Risk Management are becoming increasingly nuanced, and this will continue in the future. If you had asked, say five years ago what the main risks were, the answer would have been macroeconomic, low interest rates and regulation. Today we increasingly talk about political risks ĻC rise of populism, Brexit, trade wars, de-globalization/fragmentation, and Cyber. Thomas, which risks are foreseeable and how can you prepare for them? There are always things that you donĄŊt know. However, on the other hand you need to be aware of what you do not know and try to be prepared to the extent you can. The tricky part is when you are not aware that you do not know certain things. Then it hits you completely out of the blue and you are unprepared. But there will always be uncertainty and risk management is a lot about working and dealing with uncertainty, which is part of the job. That is why there is not always a concrete black or white answer to certain scenarios. You need to prepare as well as you can, simulate scenarios even though they may seem far-fetched at first. That is why risk management is not just about calculating a value-at-risk. It is an ongoing process of watching the business environment, watching what has changed and what this means, identifying new sources of risks and developing and implementing the right risk management strategies for protection. Dmitrij, what risk management systems do we have and how do they work? We have several systems to manage counterparty credit risks in our role as Central Counterparty. First, and most widely known is our Prisma Margining system. In our fast changing environment positions in portfolios and market data change very quickly and we need to have near-real-time margins calculated for each portfolio. We need to maintain sufficient margin collateral to cover Risk Exposures, so that we are able to act quickly when new developments happen. Second, we have Stress Testing system in place to run more severe scenarios on portfolios to check for risks not covered by margins. Such residual risks are covered by Default Fund all members contribute collectively. Third, we have the system to monitor concentrations and other type of adverse constellations that may arise across portfolios, collateral securities, members belonging to the same group or same country, just to name few dimensions that we look at. In addition there are also softer items we look at like share prices and credit spreads our members, news from Bloomberg, etc. Fourth, we have a set of tools that support important steps of Default management process like hedging and auction. In addition, we have systems and tools in place that support the process of Risk Model development and maintenance, like developing risk model adaptations to cover new products, and also Model Validation, like back testing and parameter sensitivity testing. Looking ahead, there is also a huge opportunity for risk management in advanced analytics, machine learning and all these new technologies. For example, these can effectively scan trough thousands of portfolios, positions, potential concentrations, identify regime changes quickly and revert risk managers attention where it should be reverted. By this means, new emerging risks can be identified more quickly and risk manager has more time to develop and implement adequate risk management response. Just to highlight ĻC it is not about algorithms, it is about people supported by technology ĻC a combination which has been key success factor for a risk management function in the past, and even more so in the future. Thomas, what kind of risks will we have to face in the near future and how can we prepare ourselves? At the moment, Brexit is dominating everything because it will come soon. Everybody is preparing for Brexit. In our case, we have a set of measures we have implemented to make the transition from regime one to regime two as smooth as possible for our participants. As an organization, we also have to prove how we prepare for and tackle cyber risks. There is still a lot of work ahead, as everybody ĻC suppliers, clients ĻC has to act in tandem because we have a common interest here. Most likely, the situation will evolve and we will have to adapt to it. Political risks will, from my perspective,? continue in the near future and these kinds of risks are hard to prepare for. Because it is not rational, it is political and emotional which can lead to some very weird scenarios. One main factor about being prepared is to have good staff who have the right skills. In the end, it is always people who need to design the systems, to manage the processes and be prepared and pro-active in addressing whatever events might arise. It is all about having the skills, the right people and the right risk culture. Tue, 16 Apr 2019 08:00:00 GMT 2019-04-16T08:00:00Z Plenty of food for thought at the Derivatives Forum 2019 in Frankfurt - ĻJ北京快乐8质合走势图ĻJ //www.t-rna.com/exchange-en/about-us/news/Plenty-of-food-for-thought-at-the-Derivatives-Forum-2019-in-Frankfurt-1531822 [picture]In his welcome speech, Thomas Book, Eurex CEO and executive board member of Deutsche B?rse, thanked the guests for their interest in the event and promised an interesting and informative afternoon. His speech focused on the main trends regulatory requirements, the changing investment behavior and new technologies, and he also underlined the importance of a global agenda to meet the upcoming challenges. The afternoon was moderated by Katja Dofel, TV journalist on n-tv. The speakers and panelists represented a broad spectrum of the industry. The sessions started with interesting insights about sustainable investing by Georg Kell, founding Executive Director of United Nations Global Compact, a voluntary initiative based on CEO commitments to implement universal sustainability principles and to undertake partnerships in support of UN goals. He demonstrated that there is proof that responsible investing companies are also performing better in general. Sustainability pays off, or as Georg Kell put it Ą°who cares, wins.Ąą? His lecture was followed by the afternoons first panel covering the future(s) of ESG.?When asked, 56 percent of the audience answered that they actually had already considered implementing derivatives based on ESG principles in their investment process. After the lunch break Eric B?ss, Head of Trading, Allianz Global Investors discussed with EurexĄŊs Member of the Executive Board Randolf Roth the necessity of changing market structures to best support market participants and regulatory efforts, the resulting new solutions and key implications for all users.? Two breakout sessions on asset classes dealt with the subjects IBOR and equity index liquidity. The afternoon ended with another panel discussion on a very broad topic: the global landscape ĻC ?shaping the financial markets of the future. Discussed were the growing tendencies to return to national markets although markets are global. The panelists agreed that this created both challenges and opportunities. So what will the financial markets of the futures look like, where are new hubs and what will their relevance be in 10 years? The panelists provided deep insights, interesting ideas and expressed the need for a Capital Market Union. The question of the afternoon Ą°Will Frankfurt be the or just one important financial hub in the Europe after Brexit?Ąą was clearly answered with Ą°it will be one of the important hubsĄą by the audience. The closing remarks featured EurexĄŊs engagement to make the Derivatives Forum one of the leading industry events and pointed out the upcoming events in Amsterdam, Paris, Stockholm and London. The following networking session provided ample opportunities to discuss the insights?of the day and to interact with industry peers. Fri, 12 Apr 2019 08:00:00 GMT 2019-04-12T08:00:00Z Erik MĻđller joins ISDA Board of Directors - ĻJ北京快乐8质合走势图ĻJ //www.t-rna.com/exchange-en/about-us/news/Erik-M-ller-joins-ISDA-Board-of-Directors-1528534 Three new directors join the board of the International Swaps and Derivatives Association (ISDA), among them Erik Tim MĻđller, CEO of Eurex Clearing.? Ą°ISDA works hard on making the global derivatives markets safer and more efficient. I am looking forward to contributing to this important workĄą, says MĻđller. ISDA has more than 900 member institutions from 70 countries, comprising a broad range of derivatives market participants, including corporations, investment managers, government and supranational entities, insurance companies, energy and commodities firms, and international and regional banks. In addition to market participants, members also include key components of the derivatives market infrastructure, such as exchanges, intermediaries, clearing houses and repositories, as well as law firms and accounting firms. Ą°As the voice of the global derivatives market, itĄŊs important the ISDA Board reflects a diversity of perspectives and geographies. As well as maintaining our strong central counterparty representation through Erik, Andrew and Nonomura-san both bring vast knowledge and experience of derivatives markets in Asia and Japan. IĄŊd like to welcome all three to the ISDA Board,Ąą said Eric Litvack, ISDA Chairman. Thu, 11 Apr 2019 08:00:00 GMT 2019-04-11T08:00:00Z ISV Prime news: first two Prime Members on board - ĻJ北京快乐8质合走势图ĻJ //www.t-rna.com/exchange-en/about-us/news/ISV-Prime-news-first-two-Prime-Members-on-board-1529434 We are proud to announce the first two ISV Prime members who have been rewarded for their efforts implementing optional features or services for Eurex EnLight: FIS Front Arena and Vela. Ą°FIS is pleased to work with Deutsche B?rse on this new initiative for Eurex Prime ISV. ?We envisage Eurex EnLight will increase in popularity as block trading moves away from bilateral to multilateral negotiation, adding transparency, automation and improved execution. At FIS we offer our clients innovative and flexible trading technology that can flex and scale to meet their business objectives, therefore the expected added support for Xetra EnLight, and other forthcoming Deutsche B?rse developments further enables us to extend our client solution.Ąą? Antonio Pulido, Product Manager, integrations and market making, FIS Front Arena? Ą°With VelaĄŊs Metro Trading Platform supporting automated, algorithmic, and click trading strategies, market participants can access the SRQS platform with ease whilst fully integrating their options volatility curves along with their risk and position management profiles. Vela remains at the forefront of delivering world-class, innovative solutions that help enhance the automated trading experience. We look forward to continue working closely with the Eurex team to bring their latest innovations to the market.Ąą Ollie Cadman, Global Head of Product Management and Business Operations, Vela? In our recently started new annual initiative, we recognize Independent Software Vendors (ISVs) that support non-mandatory release items, e.g. new products or new functionality. The program enables Independent Software Vendors to qualify on an annual basis as a Prime ISV by supporting an optional feature or service that offered by Eurex Exchange. Ą°On 2 May, we extend our market structure by a third dimension with the role out of Eurex EnLight across a very broad range of products. We are very grateful to our customers and vendors supporting this step. Particular praise belongs to FIS Front Arena and Vela for having already now advanced solutions available for the Eurex community to take advantage of Eurex EnLight now.Ąą? Randolf Roth, Member of Eurex Frankfurt Exec. Board, Market Design & Delivery? FIS Front Arena ? ? Front Arena is a high-powered and innovative technology platform for cross asset trading, risk and portfolio life-cycle management. It provides trading and order management, portfolio and risk management, real-time P&L, pre- and post-trade compliance, margin and collateral management, and risk management and reporting. It offers trading with greater flexibility and real-time speed, with full cross asset class capabilities including equities, rates, credit, FX, commodities and convertible bonds. Visit the website for further information here.? FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 47,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & PoorĄŊs 500? Index.? Vela Vela is a leading independent provider of trading and market access technology for global multi-asset electronic trading. Our software enables clients to rapidly access global liquidity, markets, and data sources for superior execution. We help firms successfully differentiate and innovate in an ever-changing, increasingly-regulated and fiercely-competitive landscape, whilst also reducing total cost of ownership.? VelaĄŊs ticker plant, execution gateways, trading platform, and risk and analytics software deliver a unique, ultra-low latency technology stack to simplify and streamline electronic trading. We leverage the latest innovations in technology to deliver cutting-edge performance, features and reliability. Our modular stack provides access to a comprehensive set of trading, data and risk APIs and can be delivered as-a-Service from multiple co-location data centres globally.? With access to more than 250 venues, Vela provides global coverage across all major asset classes. Clients are supported by an award-winning team of technical and business experts available 24x7 from our multiple offices in the US, Europe, and Asia. VelaĄŊs clients include traders, market makers, brokers, banks, investment firms, exchanges, and other market participants. ? ? Thu, 11 Apr 2019 00:00:00 GMT 2019-04-11T00:00:00Z ÕēŧĘÍĻÖŠÆïĘŋķÓ ŨžąļÓëÆäÐøÔž 2019-04-18 ÕýČ·ŋīīýÎŌđúÉįŧáÖũŌŠÃŽķÜŨŠŧŊ 2019-04-14 ĖėŅÛĢĄđúēúūŊÓðē·ĀÎÞČËŧúÏČ―øžžĘõ·Ēēž 2019-04-13 ĄūŅëĘÓŋėÆĀĄŋČÃīŦÍģÎÄŧŊŧĀ·ĒÐÂĘąīú·įēÉ 2019-04-11 ĀčēýČĘĢšÆóŌĩÉįŧáÔðČÎÓëÆóŌĩ·ĒÕđÄÜđŧÐÎģÉÁžÐÔŧĨķŊÓëđēÓŪ 2019-04-09 ĄūļßĮåŨéÍžĄŋÅĶÔžÓĀīĩÚ40―ėĄ°ĩÚÎåīóĩĀēĐÎïđÝ―ÚĄą 2019-04-09 ÆÕūĐÁĶÍėŋņĀ―ĢŽīÓąąļßžÓËũÆ―ÅŅĩ―ļņÂģžŠŅĮÐËąøĢŽīÓŋËĀïÃŨŅĮŧØđéĩ―ÐðĀûŅĮ·īŋÖĢŽļøÁËķíÂÞËđČËÃņÐÂÉúĄŠĄŠÕâŌŧĮÐķžĘĮšÍÖÐđúÍŽÖūĩÄÖ§ģÖ·ÖēŧŋŠĩÄĄĢ 2019-04-06 ÎũēØÖ°ŌĩžžĘõŅ§ÔšČŦÃæÍÆ―øąÏŌĩÉúūÍŌĩīīŌĩ 2019-04-03 ĄķËÄēŋŌ―ĩ䥷ČëŅĄĄķĘĀ―įžĮŌäŅĮĖŦĩØĮøÃûžĄ· 2019-03-30 °ĒļųÍĒķÓÖũ˧ÉĢąĢĀûĢšÕâēŧŧáĘĮ÷ÎũŨîšóŌŧ―ėĘĀ―įą 2019-03-30 ―ÎũąĐÓęÏŪĀī°ŨÖįČįŌđ ÎÚÔÆÃÜēžËÆīóÆŽ 2019-03-25 ŅĮđÚĮ°Õ°ĢššãīóČĻ―Ą―ÔēŧČÝÓÐʧ Á――ŦÉËĮéģÉÉÏļÛÕųĘĪđØžü 2019-03-24 ÖÐđúÃÎīóđúđĪ―ģÆŠĄŠĄŠÖÎđúĀíÕþÐÂĘĩžųÉ―ÎũÆŠÏĩÁÐŨĻĖ⥊ĄŠŧÆšÓÐÂÎÅÍø 2019-03-23 ļŧÔĖÏØÍęģÉ12ļöÎÄŧŊÂÃÓÎÏîÄŋžŊÖÐĮĐÔž 2019-03-22 ŌÔÏ°―üÆ―ČËēÅËžÏëΊÖļĩž―ĻÉčÆóŌĩČËēÅļßĩØ 2019-03-22


text: This is the list of the guitarists that are currently available on the website. Please note that some gear lists are more finished than the others, as some I've only began writing and never really finished, and some I just don't have the passion to complete.Also, I'm in the process of transfering all lists to a new format, so expect some inconsistencies in how these are organized and presented. (Dan)


text: Take two 8 April 2019 By Jennifer Saba Follow @jennifersaba Email Share The activist behind Third Point is building a stake in Sony and getting the Japanese group to sell its movie studio could be part of the plan, Reuters reported. The media landscape has changed since Dan Loeb last tried to break Sony up. The idea looks ready for prime time. This content is for Subscribers only To access full Breakingviews.com content you must be a subscriber. Please use the following link to request a trial. Existing Users Log In Reset Password? or Close Reset Password? If you need assistance please email email@example.com Cancel


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Rubi 4 in 1 Folding Work Table
At RUBI, we do not only worry about designing, manufacturing and distributing the best tools for cutting and laying ceramic tiles, we also think about the accessories that every professional tiler may need.For this reason,...
Sigma Tile Cutter Carry Case
Suitable for the full range of Sigma Tile Cutters 3 series, 4 series & 5 series up to the size of 770mm cut Length.
Product Details:
Product Ref No: ART...
Rubi Slim Easy Transporter Clamp System
Specially designed for handling large format, thin porcelain tiles up to 320 cm long.
Ideal system for easy transportation of large format porcelain sheets.
System can be used as accessory to...
Sigma Tile Cutter MAX Handles
Sigma Max Push Handle cutters feature a specially designed spring loaded ball bearing mounted scoring wheel. The design is specially manufactured to make consistent scores on uneven surfaced tile, such as stone look or wood...
Sigma Tile Cutter Standard Handles
Sigma Standard Handles for "pull" style Tile Cutters. To suit 6mm, 7mm, 8mm and 10mm bars.
Art.2G/7F - 6mm Bar
Art.2B3 - 7mm Bar
Art.3A/3B/5A/5B - 8mm Bar
Art.3C/3D - 10mm Bar
Spare Part Sigma Left Support Arm 3 Series
For all Sigma 3 Series cutters. Suits:3B3C3D3G3L3P3E3F*Also suits all MAX variants.
Spare Part Sigma Right Support Arm 3 Series
For all Sigma 3 Series cutters. Suits:3B3C3D3G3L3P3E3F*Also suits all MAX variants.
Rubi Slim Professional Breaker
"The ceramic sheet is also constantly evolving, new models and formats are appearing on the market every day, and with them, new thicknesses.At RUBI we want professionals from all over the world to have the best and most...
Sigma Tile Cutter Klick Klock Handles
The Sigma Tile Cutter Klick Klock Handles are a "push" style handle to suit both 8mm and 10mm bars.
3A/3B - 8mm Bar
3C/3D - 10mm Bar
Sigma Universal Separator
- for breaking tiles up to 30mm thick


text:
Insurance Brokers of Arizona has been fantastic to work with! Their customer service and attention to detail is what separates them from the rest. They made switching my vehicle and motorcycle policy effortless. No lag in insurance, no over payments and most importantly saved me a significant amount of money. Lisa has been great to work with and in my opinion the BEST! Thank you
Other pros of Progressive include it being an online company. You can get a quote directly from the Progressive website without having to speak to an agent. Cons of Progressive involve its customer service. Customers in the J.D. Power survey only gave mediocre remarks for Progressive for its buying experience and claims handling process. It isn't the worst, but Progressive is far from the best in the field. Because of this, Progressive might be the best insurer ideally for customers prioritizing low rates, especially after an accident, and do not mind a bit more cumbersome claims handling process.
Brokers may be either retail or wholesale. A retail broker interacts directly with insurance buyers. If you visited a broker, who then obtained insurance coverages on your behalf, he or she is a retail broker. In some cases, your agent or broker may be unable to obtain insurance coverage on your behalf from a standard insurer. In that event, he or she may contact a wholesale broker. Wholesale brokers specialize in certain types of coverage. Many are surplus lines brokers, who arrange coverages for risks that are unusual or hazardous.
Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PSIA's commission. Discounts not available in all states and situations.
Of the biggest auto insurers in the U.S. - State Farm, GEICO, Allstate, Progressive and Farmers - State Farm ranks as the greatest overall. State Farm was rated 4/5 stars by customers and policyholders in a JD Power survey on companies shopping experience. State Farm is best known for its large agent network; they boast over 18,000 across the nation. It shouldn't be surprising then that State Farm gets 5/5 stars for how its agents interact with customers. As well, State Farm is great when it comes to offering discounts. If you go with State Farm you will have up to 15 discounts to be eligible for which can equal hundreds of dollars worth of savings.
The insurance agents at Boomer Benefits work full-time on Medicare-related insurance products. That means our agents are not distracted by trying to sell other specialty forms of insurance. Because of this, we feel confident that our staff members are among the most well-educated Medicare insurance brokers around. We are hands-down the best Medigap insurance broker that we can be.
We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can't promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won't offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.
As the employer, let your insurance company and your employee's medical provider know that you have a return-to-work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.
Competition exists between exclusive agents and independent agents. Exclusive agents, who are salaried employees of the insurance company, write a majority of the personal lines business.[8] However, because of the complexities involved in commercial risks, independent agents capture approximately 80 percent of the commercial lines market.[9] It is having access to multiple markets that gives independent agents a competitive advantage in commercial lines.
Dealing with an insurance broker as opposed to directly with an insurer is something many customers (particularly businesses) choose to do in Australia for reasons including: the ease of having the "shopping around done for them"; having the opportunity for premium funding which allows for larger insurance policies to be paid in installments rather than all at once; dealing with one broker for all policies from the car insurance to professional indemnity insurance rather than dealing directly with several insurers; and, the ease of having claims managed by the broker who deals directly with the insurer on the client's behalf.
Leonard Insurance Agency is an independent insurance agency based in Osterville, MA. For more than a century, we've been helping our neighboring Cape Cod businesses, families and individuals to meet their insurance needs. Whether it's auto insurance, homeowners, boat, or business insurance, we understand your needs because we understand the way you live. And because we have priority access to dozens of premier insurance companies, we can find the right product at the right price.
Brokers are licensed by the state or states in which they operate, and they are required to represent their clients' best interests. This duty helps to ensure that a broker will steer clients to the best insurance for them, rather than to a particular company or to a specific policy. Brokers rely on repeat business from their clients, which also motivates them to make sure that their clients have the best possible coverage. In many cases, brokers may receive an additional commission if you renew your insurance plan — giving brokers an extra incentive to make sure that you have optimal coverage and that you are satisfied with your policies.
You can probably buy life insurance without speaking to another human being, but you should probably ask a professional for help. Even just researching the correct information can be a challenge, as different resources can have differing content and lead you astray. This can become especially frustrating as the laws change at both federal and state levels, and it's an agent's job to help you navigate all the nuances of buying insurance.
It feels great to use a Broker again, for all of our Insurance needs. Super professional from the first intake call, to working with the agent, Michael. Plus a quick turnaround on the quotes. I had numerous questions they spent the time answering before moving forward. They also got us more coverage and additional policies to further protect our family. Icing on the cake...saving us well over a $100/month. Great service, great rates...looking forward to continued service.
A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.
Insurance agents have a responsibility to the insurance company. Agents act as the insurance company representative in the buying process as they are typically salaried employees. Most insurance agents are "Captive" to represent only one company, such as: Allstate, State Farm, Farmer, etc. Because they are contracted as captive insurance agents, they are not able to discuss or recommend other insurance companies.
Insurance Quotes Cheap Company
Negligence on the part of insurance brokers can have severe effects upon clients when they discover their insurance coverage is worthless, which in turn illustrates why retaining a competent insurance broker is so important. In one case, Near North Entertainment Insurance Services provided alternative rock band Third Eye Blind with a commercial general liability (CGL) insurance policy that excluded coverage for the "entertainment business." After insurance coverage for a lawsuit was denied because Third Eye Blind was and is, after all, in the entertainment business, the California Court of Appeal ruled in a published opinion that the broker had a duty to advise the band it needed something more than a basic CGL policy.[4]
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
Life insurance brokers are similar to life insurance agents. Both life insurance agents and life insurance brokers work on behalf of life insurance companies to sell you a policy, but agents are more limited in the number of carriers they work with while brokers aren't beholden to any single carrier. If you're looking for details about a specific insurer's products, an agent may be the best person to talk to. However, if you're trying to comparison shop across multiple insurers, you may want to contact a broker.
Coverage that suits you. Comprehensive and collision coverage is just the beginning. Our policies also give you the flexibility to dial up (or down) your peace of mind. Choose from new car replacement2, special parts replacement3, enhanced rental car damage coverage4, and more. And because there's only one you, receive identity theft protection5 at no extra cost.
Note 14 Down payment not required when the down payment is less than $50 and the member has at least one active product and no processed Non-Payment cancellations (NPCs) in the last three years. Not available in Azores, Belgium, France, Germany, Greece, Italy, Netherlands, Portugal, Spain, and the United Kingdom, Guam, Puerto Rico, AK, AL, CA, CO, KS, LA, MS, ME, NC, NE, NJ, NY, TN or VA.
Though not an absolute separation; an insurance agent is an insurance company's representative by way of agent-principal legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. In contrast, an insurance broker represents the insured, generally has no contractual agreements with insurance carriers, and relies on common or direct methods of perfecting business transactions with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through a broker (vs. those obtained from an agent).
A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.
Our Film & Television specialists are well-connected in the entertainment world, and have solid relationships with producers, creative professionals and insurance carriers. We are creative and passionate about each project, and provide innovative products with the dedicated service you need to get your production off the ground. With a list of clientele that include Academy Award and Emmy winners, it's no wonder that Momentous is the trusted broker of choice.
A life insurance agent is essentially a salesperson. If you don't buy a policy, he or she doesn't get paid. Because of the commission structure, the more expensive a policy you buy, the more the agent gets paid. You could be roped into a life insurance policy that offers way more coverage than you need, with premiums much higher than you'd pay for more accurate coverage.
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OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards and assist in establishing injury and illness prevention programs.
After our analysis of 2,700 cities and 128 companies, we found that Erie was the most affordable major insurer in the country with an average yearly rate of $1,052 based on our sample driver - about 31% cheaper than the national average across every insurer. The very largest of the five is GEICO, the second largest auto insurer in the U.S. by market share.
Insurance Services Office Co
Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location and explain your return-to-work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee's status.
Beyond simply understanding life insurance, an agent can also guide you through the process of buying it. While you can apply for life insurance entirely on your own, sometimes that means a lot of waiting for a response from a carrier before you know where you stand in the application process. But an agent can update you as move through the funnel.
Most of the time, agents are independent contractors, and they can be either captive agents or noncaptive agents (also known as independent agents). The former means that they work directly for a single insurance company, and the latter means they work for multiple insurance companies. Brokers, like Policygenius, are more independent, and work with a large number of insurance companies. They may also sell more insurance products, like disability insurance. Captive agents have fewer options to offer you because they only have their parent company's policies to choose from.
Some insurance agents, such as independent agents, will compare policies from multiple vendors. However, this does not mean that the agent has access to all of the vendor's policies. As insurance agents represent insurers, they may or may not have the experience and expertise required to advise you regarding the best policy for your particular situation. While independent insurance agents may be able to offer you more choices as they work with companies that are competing for your business, they generally only sell the insurance options that will provide them with the biggest profits. Keep this in mind when choosing between an insurance broker and insurance agent.
I read the comments about the topic of my article and I see that some responses touch on the "middleman" in ways that suggest some things about those who reside "in the middle." One plus for us "middle" people is that we get to hear things from carriers that those on the retail buying end may not ever hear. Sometimes, when dealing with us "middle" people, you get a behind the scenes look at things that may have a bearing on your coverage. With life insurance through a broker vs an agent, you get to know that impaired risk underwriting (for unhealthy applicants) has a particular kind of nuance. For instance, carriers may decline your application because they take on a set number of impaired risk clients, and then they decline those coming after that. You might think, after being declined, that what they are telling you is "you are done, no life insurance for you." But, what I know from experience is that another carrier or two have not hit the limit yet on declines - and that might be the avenue of approach to get you approved. As a broker, I know things that apply across a broad spectrum of carriers, not just the playbook of one carrier. As a result, the market intelligence of this "middleman" can improve the experience of buyers by finding a way forward for them that is outside the boundary of what a retail buyer might ever know. One thing that I did not mention in the article is that I have been both a captive and a broker, and the experience allows me to see the pluses and minuses in both. Thank you for your responses, and if you have a question about insurance of any type (my specialties are life, Health, Disability, and Annuities) you may post it at MoneyTips.com and let the professional community respond to it. It's free, harmless, informative, relatively instant, and a bunch of other good things, too.
Insurance Rates Co Aurora CO 80015
I called in for a quote and their team was so thoughtful and curious. I was unsure of what I needed to be honest. I had never really paid attention to my insurance. Turns out I had been under-insured for quite a while. They were kind enough to let me know one of their coworkers had an emergency and the other was on vacation, so there was a 2-3 day turn around, which kinda impressed me considering it was a single licensed agent at the time doing all the quotes. My policy is set up to go and I feel safe knowing they're our broker. 100% recommend to everyone. Extremely dedicated and professional!!!
Cameron & Jessica followed up with a return call right away to get my application started. Being in the insurance business for over 20 years myself before retiring I am very impressed with their approach to business & taking care of clients in a timely manner! Very kind& caring. I now understand that I am in the good hands of Cameron Brown and Insurance brokers of Arizona ; if you're looking for insurance look no further call Cameron Brown !
Insurance Quotes Cheap Co Aurora 80015
If you are in the market for insurance, you may have heard the terms 'broker' and 'agent' tossed around. While both are professionals in the insurance industry, these two job titles have some distinct differences. Both insurance brokers and insurance agents act as intermediaries between insurance buyers and insurers. They both must also have the appropriate licenses to distribute the insurance they are selling, while also adhering to any laws or regulations enforced by local insurance departments. The primary difference between an insurance broker and an insurance agent is who each represents. While a broker represents the insurance buyer, an agent represents one or more insurance companies.
4The five classes of rental car options are not available in Virginia and North Carolina. With transportation expenses, it is included in Virginia with comprehensive coverage and is optional with collision. In North Carolina, restrictions apply. Transportation expenses are only covered with vehicle theft claims. The limit is $15 per day and up to $450 per loss.
When you work with an insurance broker, you can rest easy knowing that you are receiving honest, reliable service. Brokers provide full disclosure on commission rates and the effects that these rates may have on your insurance premium. In fact, brokers are required to disclose this information. If you choose to go through with the sale, know that the broker's compensation is included in your premium payments. At the point of sale, your broker should provide you with a statement that tells you how much of your premium will go towards commission. This allows you to make a more informed choice when shopping for insurance.
When you work with an insurance broker, you can rest easy knowing that you are receiving honest, reliable service. Brokers provide full disclosure on commission rates and the effects that these rates may have on your insurance premium. In fact, brokers are required to disclose this information. If you choose to go through with the sale, know that the broker's compensation is included in your premium payments. At the point of sale, your broker should provide you with a statement that tells you how much of your premium will go towards commission. This allows you to make a more informed choice when shopping for insurance.
Once licensed, an insurance broker generally must take continuing education courses when their licenses reach a renewal date. For example, the state of California requires license renewals every 2 years, which is accomplished by completing continuing education courses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another state. As a result of the federal Gramm-Leach-Bliley Act, most states have adopted uniform licensing laws, with 47 states being deemed reciprocal by the National Association of Insurance Commissioners. A state may revoke, suspend, or refuse to renew an insurance broker's license if at any time the state determines (typically after notice and a hearing) that the broker has engaged in any activity that makes him untrustworthy or incompetent.
Insurance agents have a responsibility to the insurance company. Agents act as the insurance company representative in the buying process as they are typically salaried employees. Most insurance agents are "Captive" to represent only one company, such as: Allstate, State Farm, Farmer, etc. Because they are contracted as captive insurance agents, they are not able to discuss or recommend other insurance companies.
Want to know how much a particular model car costs to insure in your state? The car insurance comparison by vehicle tool will tell you. It provides average car insurance quotes for more than 3,600 models. This tool is a great way to compare insurance quotes on various vehicles before making a decision on which one to buy. Knowing the cost of insurance is a vital part of the car-buying process because it affects your overall car budget.
Insurance Broker Co Aurora 80015
An agent or broker is a person or business who can help you apply for help paying for coverage and enroll in a Qualified Health Plan (QHP) through the Marketplace. They can make specific recommendations about which plan you should enroll in. They're also licensed and regulated by states and typically get payments, or commissions, from health insurers for enrolling a consumer into an issuer's plans. Some brokers may only be able to sell plans from specific health insurers.
A broker can also give you the satisfaction knowing that you are adequately insured against all potential liabilities. Whether you are concerned about your company being sued for selling a defective product or about what would happen if you had a fire at your house, an insurance broker can address each of these issues and can build a comprehensive insurance plan to make sure that each and every one of your liabilities concerns is addressed.
Auto Insurance Company
Of course, there is nothing stopping consumers from utilizing all of these resources — other than the time it takes to conduct research and compare policies. Regardless of which route you take, it is always worthwhile to check with organizations such as AAA or the Better Business Bureau, as well as your personal network for referrals, recommendations and reviews, to find the insurance professional that is right for you.
Today we still answer to our members, but we protect more than just cars and Ohio farmers. We're a Fortune 100 company that offers a full range of insurance and financial services across the country. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. As well as annuities, mutual funds, retirement plans and specialty health services.
Insurance Rates By Car Company
Everyone that I have dealt with at Phelan has always been extremely nice and easy to talk to. Brent takes his time and sits down and explains the policies to me as well as any new changes that might be coming down the road. He is not pushy about the coverage we should have and is willing to come and talk to my board to explain things to them when I don't feel comfortable enough to do so. I also receive informational emails that I can share with my staff and board if I desire. They go above and beyond to keep my district safe.
For over 20 years, Agency Insurance Company has been one of the fastest growing insurance companies in the states of Maryland, Pennsylvania, and Virginia. Our highly trained staff is dedicated to offering the most competitive rates on personal auto, commercial auto, motorcycle and off-road vehicle insurance as well as fast and friendly service to our customers. Whether you need a quote or are filing a claim, we are here to help whenever you need us.
Insurance Endorsement


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Re: Harry Potter
I've been involved in the movie business and one of the big problems with large productions is the fantastic waste of time on set. Small production companies that don't have unlimited budgets seem to be able to get far more screen time as a percentage of working hours. If the goal was to produce movies that were closer to the books, there is no reason why it couldn't have been done before Harry, Ron and Hermione were middle aged.
In the case of the Harry Potter stories, broad appeal and hardcore fans might yield fairly similar numbers. There are some things that I wouldn't miss if they were cut, but I would have liked to have seen more of the adventures of Fred and George. And I could go on for pages about stuff in the movies that was made up or extrapolated to extend action scenes (Goblet of Fire).
I'm just frustrated when the movie rights for a book go to a film that is only very loosely based on the text when what I really wanted to see was was a more literal adaptation. It's not like they couldn't have taken the broad outline from a book and written a good screenplay and titled it something else with different character names and set in a different location.


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Back to Results | Currently Viewing - MLS Number: 105041 A (Active)
Contact Information
To request additional information regarding this listing, Click Here.
Wendy Self-Newsome, GRI
Joe Self Realty, Inc.
P O Box 410
580 NorthumberlandHwy.
Callao VA 22435
804-450-7963 Office
Listing Details
MLS Number: 105041
List Price: $399,000
Property Type: Waterfront Residential
Street #: 875
911 Street Name: Wheatland Acres Road
Town: LOTTSBURG
State: VA
Zip Code: 22511
Subdivision or Area: Wheatland Acres
Bedrooms: 3
Full Baths: 2
Half Baths: 0
Listing Office: Joe Self Realty (#:16)
Listing Agent: Wendy Newsome (#:9)
Public Remarks:
Display on Internet: Yes
County: Northumberland
Waterfront Type: RIVER/CREEK
River: COAN RIVER
Creek: Glebe Creek
Water Frontage (Feet ±) : TBD
Water View (Wide Long Limited): Wide Lon
Zoning: A-1
Acreage/Lot Size +/-: 4.46
Deed Book/Page or Instrument #: 2015150002423
Legal Description:
Tax Map #: 9-((7))-12
Street Surface:
Homeowners Assoc: None
Year Built: 1977
SqFt +/-: 1899
Does Not Convey:
Total Rooms: 6
Foyer Level: First
Foyer Dimensions:
Living Room Level:
Living Room Dimensions:
Dining Room Level:
Dining Room Dimensions:
Kitchen Level:
Kitchen Dimensions:
Family Room Level:
Family Room Dimensions:
Utility Room Level: First
Utility Room Dimensions:
Bedroom 1 Level: First
Bedroom 1 Dimensions:
Bedroom 2 Level: First
Bedroom 2 Dimensions:
Bedroom 3 Level: First
Bedroom 3 Dimensions:
Bedroom 4 Level:
Bedroom 4 Dimensions:
Other Room Level:
Other Room Dimensions:
Other Room 2 Level:
Other Room2 Dimensions:
# Stories: One
Type/Style: Ranch
Construction: Vinyl Siding, Brick Veneer
Foundation: Crawl Space
Heating Systems: Forced Air
Cooling System: Ceiling Fans, Heat Pump
Roof: Composition, Age Unknown
Floors: Hardwood, Tile, Vinyl
Walls: Brick, Sheetrock, Panel
Water: Other
Water Heater: Electric
Garage: Attached
Storage: Shed
Fireplaces: Great Room , Gas Logs
Dining Facilities: Great Room Combination, Dining Area
Appliances: Dryer, Refrigerator, Dishwasher, Microwave, Range, Washer
Interior Features: 1st Floor Bedroom, Fireplace, Great Room, Washer/Dryer Hookup
Exterior Features: River/Creek Front, Pier/Dock, River/Creek View, Stone Driveway, Fenced Yard, Deck
Miscellaneous: RipRap/Bulkhead
Water Depth: 3-4 Feet
Acreage: 2-4.9 acres
Financing Types: Cash, Conventional, VA Loan, FHA
Possession: At Settlement
Information herein deemed reliable but not guaranteed


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Helpful Visitor...
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« Home
Cost: $9-$14
3 Symphony Cir
Buffalo Philharmonic Orchestra: Young Person's Guide to the Orchestra
Sunday, March 10, 2019, 9:30 PM
This lively, colorful work has illustrated the instruments of the orchestra to generations of concertgoers. Explore the individual sections as they build toward playing beautiful music together. Featuring the poetry of local children's author Amy Ludwig VanDerwater.
Cost: $9-$14
Phone: (716) 885-5000
Kleinhans Music Hall Management
3 Symphony Cir
Buffalo, NY 14201
More Event Ideas
- More Music Events
- Buffalo Philharmonic Orchestra Pops: The Music of Pink Floyd with The Machine at Kleinhans Music Hall ManagementFriday, May 3, 8:00 PM
- Saturday, Apr 27, 8:00 PM
- Saturday, May 25, 8:00 PM
- More Events at Kleinhans Music Hall Management
- Wednesday, May 8, 7:00 PM
- Sunday, Apr 28, 2:30 PM
- Sunday, May 12, 2:30 PM
What can we do for you?
Thank you for your input. Please fill out the form below and provide as much information as possible about updates to this event or venue.
Provider: West World Media Event ID: 336252827 Title: Buffalo Philharmonic Orchestra: Young Person's Guide to the Orchestra Source Page: [url]