Insurance Brokers And Their Business Marketing

There is lots of information available to brokers on a great deal of topics. A few periodicals are devoted entirely to reminding brokers of the newest polices and scams associated with their field. This may seem to make the life of an insurance coverage broker much easier, but it really does not. What it does do is make it so much more complicated to stay on top of the action. So not only do brokers really have to watch what their competition is doing and what fields of insurance they would like to look into, but will also must make sure that they are able to defend themselves from strikes by the media on the vocation as a whole.Being a broker isn’t that simple either. There are many unique variations of insurance that the broker may become involved with. This means that every broker needs to be knowledgeable regarding a wide range of different types of insurance. The client will not aim for three different brokers to manage their insurance needs, they wish to cut down on the legwork by having one broker who is going to do everything for them.Brokers must also advertise themselves. How else could prospective clients be aware that they are there? There are several methods open to brokers to promote themselves. One of these is via the broker’s “circle of influence”. This refers to the people who are in your circle of acquaintances. They can be helpful to spread the word of the new broker’s practice. It’s basically a means to start the word of mouth marketing ball rolling. The more people you have got around talking about you, the more business you’ll probably get sent your way. You could motivate them to gather new customers by offering gifts or incentives for referrals that sign an insurance policy with you.Another method could be to examine the tricks of other successful brokers to see what worked well for him or her after which you can modify it to work to suit your needs. Try not to be afraid to ask the advice of those who have been in the market a while, most are often more than happy to help a fresh broker discover his feet and get going.You can even get yourself involved with your neighborhood. Men and women are certainly going to remember an individual who made an attempt to make a difference with a local project as opposed to individual who sat on the sidelines and just commented about how good a notion it is to undertake no matter what the community is doing without ever essentially doing anything to help the undertaking along.Aim to look for a market which has not yet been over loaded by brokers. With so many different types of insurance available, there ought to be something that other brokers will not be interested in tackling or policies which have just recently been included in the list. Make any of these your target and find yourself a niche corner of the insurance market.You can actually make a success of your brokerage should you be willing to take the time to market yourself properly.

Advancing the Next Big Idea in Animal Health

Smallpox, polio and even influenza-these deadly diseases once ruled the earth, killing by the millions. Today, thanks to scientific research, their impact is far less. The same holds true for animal diseases such as canine parvovirus and feline leukemia. One day, a host of other diseases that affect humans or animals, and sometimes both, may meet the same fate.When major medical breakthroughs happen, such as the promising bone marrow treatment for humans with sickle cell anemia announced last December, we often don’t realize the time and effort behind a new prevention, treatment or cure. The reality, though, is that medical advancements usually take years, even decades, to come to fruition-and along the way hundreds of ideas are attempted before one of them opens the doors. Morris Animal Foundation (MAF) is committed to finding and funding the next big ideas in animal health research.We know that a novel idea goes nowhere without proper funding-and funding for the unknown is often tough to come by. The Foundation is one of the few organizations helping cutting-edge scientists gather data and test promising concepts that could one day lead to major health breakthroughs for animals.Innovative Ideas Take Flight:
Through its pilot-study program, MAF provides funding up to $10,800 for one-year studies that test a new idea and gather preliminary data to determine if the idea merits further investigation. This program provides timely funding for innovative ideas, speeds up scientific discovery and advances the Foundation’s mission to improve the health and welfare of animals.


“Pilot research study grants are designed to support innovative research ideas and early-stage projects where preliminary data may not be available,” says Dr. Wayne Jensen, MAF chief scientific officer.One benefit to the pilot-study program is that MAF accepts these study proposals multiple times per year rather than through the traditional grant cycle of once per year. As a result, the program helps researchers respond more rapidly to emerging diseases and contemporary questions in animal health research.Funding for pilot studies is desperately needed to advance veterinary medicine for companion animals and wildlife. Dr. James Moore, chair of the Foundation’s large animal scientific advisory board, explains that most funding agencies only support proposals that already contain a sufficient amount of preliminary data to suggest that the expected outcomes will be achieved. But scientists need funding to gather preliminary data. So it was no surprise that MAF received an overwhelming response-161-to its two 2009 calls for proposals. Yet the Foundation can fund only 12 to 18 projects each year.”The greater than expected response to the request for proposals for pilot studies suggests that there are a lot of good, untested ideas out there,” Dr. Moore says.A History of Funding Health Breakthroughs:
The Foundation has a long history of funding breakthrough projects. For example, in 1999, MAF was the first to fund research to look at why California sea otters were dying off. Over the next decade, we funded several grants looking at disease risks in sea otters. What scientists learned from these projects helped them win a $1.86 million grant from the National Science Foundation. In an interview for AnimalNews 6.4, lead researcher Dr. Patricia Conrad noted that, “the Morris Animal Foundation grants were critically important. Without that support in the project’s infancy, we wouldn’t have been able to compete for bigger grants.”Beyond uncovering information about the infectious diseases that were killing sea otters, these studies also led to increased state legislative protections for the playful creatures and trained numerous up-and-coming wildlife health researchers.A current study funded by our Canine Cancer Campaign is testing a new drug therapy for bone cancer in dogs. This major project encompasses multiple facets and institutions and could eventually save the lives of thousands of dogs-yet it began as a small pilot effort. Additional pilot projects may soon lead to a promising treatment for eye cancer in horses, improved nutrition for brook trout and better pain management for reptiles.


Current pilot studies address gastrointestinal problems, urinary infections and heartworm in dogs; osteoarthritis pain in cats; laminitis in horses and overpopulation and drug-resistant infections in pets.”Pilot studies like these are important for moving veterinary medicine forward, primarily because they can be accomplished relatively quickly and relatively inexpensively,” Dr. Moore says.Who knows where this year’s pilot projects may lead. Perhaps they will give veterinarians a tool to help them diagnose and manage osteoarthritis in cats or an inoculation that prevents certain strains of Escherichia coli from causing recurrent urinary tract infections in dogs. Or maybe equine veterinarians will get an inexpensive method for treating laminitis, a painful, life-threatening condition.The possibilities for advancing animal health are truly endless as long as we continue to support pioneering scientists with innovative ideas. These promising projects may one day change the face of veterinary medicine and help create a healthier tomorrow for animals.Learn more about the current pilot studies.

3 Benefits to Using Cloud Yoga Business Software for Your Yoga Studio

A Fictional Tale of Two Yoga Teachers:Wendy and John are each starting a yoga studio. They have their space, a website, and recently opened for business.They also chose to administer as much of their business as possible on computers (who doesn’t these days). They each have a laptop so they can be mobile, or so they think. They also have a desktop in their studio.Students are coming to their classes and they’re delighted by this. Yet, they both desire more students. Their business is in a growth stage.When not teaching classes and chatting with students, they’re on their computers taking care of the financial aspects, marketing, curriculum / class planning, and overall administration of their business.When they started, they weren’t sure the direction their business would take so they held off buying any specific business management software. Instead they used Word and Excel to take care of their software needs. So far their software set up is working okay, but they see the writing on the wall how something more sophisticated could save them time.Wendy and John go online to start looking at yoga business software options. They’re pleased that there’s a lot of options. Of course options mean making a decision.Wendy decides to go with a cloud computing software platform while John opts for an installation software option.Wendy’s option requires that she pay a monthly cost to use her software. John likes the fact he only pays one time for the software.Wendy logs into her software account through the Internet and sets up your software for your business. It takes a few days to get familiar with it, but within a week she has her software working for her with a class schedule set up and she’s put her student contact information into the database. She also set up her autoresponder email account and integrated it with your student contacts.John installed his software on both his laptop and desktop computer. He opted for no server and instead figured out how to network the two computers together so when a change is made in one computer it’s reflected in the other computer. He spent about a day getting his software installed and networked.


Like Wendy, he takes a few days inputting his student contact information and formatting his class schedule in the scheduling software. His email software is separate, but he’s managed to integrate it using an APP with his installation-based yoga business software.Fast forward 2 years. Both their yoga businesses are doing better than ever. Each of them hire 2 teachers to teach designated classes and a receptionist. This growth required more computers for their staff. Wendy, simply upgrades here software to add another user. Her staff simply logs into the software through the Internet.John buys another license and then goes through the installation process. Now he must network another computer. He’s read that using a server is a good idea, but has no idea how to set up a server. Given his business is growing, he decides to hire a networking consultant. After buying a dedicated server and paying networking consultant fees, John spent $1,500. His software also upgraded 6 months ago and so he paid $300 in upgrade fees.As their businesses grew, both Wendy and John started selling some retail items in their studio and on their website. They also discovered how effective email marketing is to student retention and growing their business. Wendy’s online software platform offered e-commerce, credit card processing, and integrated e-mail marketing software. She was able to set up her stores and beef up her e-mail marketing quickly.John leased credit card processing hardware, bought a license for e-commerce software and continues to use his original e-mail marketing software that’s integrated with his student contact database.At this point Wendy’s entire yoga business software is centralized and accessible over the Internet. John uses several software services that are installed and networked among his computers. As John’s business grows, his computing needs become more complex and he now has his networking consultant on speed-dial.He now budgets annually for computer consultant fees – something he never anticipated. He of course has heard about cloud software and is now interested in making the switch, but is reluctant given the amount he’s invested in his desktop installation software. He’s going to wait and see.Wendy pays a monthly fee for her service, but is pleased with how easy it is to add new users and grow her business with hardly an interruption in doing her core activities – which is teaching yoga and marketing her business. In fact, Wendy is considering opening another yoga studio knowing aside from finding and designing space, here business is easily duplicated at another location.John would love to expand to another location, but is concerned about the expense of expanding and managing his business so that all his business information integrates seamlessly between his multiple locations. He puts expansion on hold.About Cloud Computing SoftwareWhat is Cloud Computing Software?It’s software that’s hosted by the software company. When you sign up, you get an account and all your software is handled on the cloud – that is hosted and powered by the company’s servers – not your servers. You simply access it online.The biggest reason business owners are reluctant to use cloud computing is the ongoing cost. Most cloud computing software platforms charge monthly to use the service. This ongoing cost is understandably a concern, especially for new businesses. The last thing you want is to be committed to ongoing costs if at all possible avoided.However, when you look at the long-term of your business, and your software in particular, there’s ease-of-use and expansion to consider. With installation software you must always consider the upgrade costs and potential for paying consultants to maintain and grow your network. These unforeseen costs can be hefty in the long run.
3 Key Benefits to Using Cloud Software for Your Yoga Business Software


1. Access it AnywhereBecause it’s accessible over the Internet, you can access your entire software set up wherever you have an Internet connection (which is pretty much everywhere these days).2. Integrates it with your WebsitesA quality cloud software service for yoga studios makes it easy to update it simultaneously with your websites. For example, when you make changes to your class schedule, those changes are immediately reflected on your website where you post your class schedule. There’s no need to go into your website(s) and manually make the changes (assuming you remember to do this).Also, if you have e-commerce on your website selling gift certificates, yoga class packages, and perhaps gear and apparel, when you make pricing changes (or any changes) in your software, it’s immediately reflected in your website(s).3. No installation and networking costsThis is a biggie. Many business owners when starting out with buying software tend to undermine this. With cloud computing you don’t have to worry about installation and networking your software. As you can see from the above Tale of 2 Yoga Teachers, John’s software costs escalated beyond what he anticipated because of unforeseen consultant costs. This is common with specialized business installation software. Networking software among computers is not an easy task and usually requires an expert to do it well.Will your yoga business fail by not using cloud computing yoga business software? No, but it could make administration and growth more difficult.

Different Types Of Data Communication Media

The process in which data is transferred from one computer to another is known as communication media. Data communication involves transmission of digital of information to different electronic devices through wireless or cabled connections. The two commonly used computer communication media used are bounded and unbounded media.A. Bound MediaData transfer through physical connections is referred to as bounded media in that signals are sent to other external devices from one computer in a network. Computers can be interconnected to share files and devices in a network by means of cabling which facilitates faster communication of information. Bounded media is a faster data communication that provides high speed transfer of signals over long distances and is the most reliable media for message sending.Bounded media is categorized into three types of data communication which enables connection of different types of network. These cables include:


1. Coaxial cableThis is most common bounded media that is many electronics to transfer data and it is designed with two parallel copper conductors. It has a solid central copper conductor that transmits signal and is coated with a protective cover to reduce electromagnetic interference. Coaxial cable is found in different gauges at affordable prices and is easier to work with. They are easy to install and can support up to 10Mps capacity with medium attenuation. Despite its popularity, the only serious drawback it has is that the entire network is always affected with a single cable failure.2. Twisted pair cableTwisted pair cables are found in two types and these include unshielded and shielded twisted pair cables. It is commonly used because it is lighter and inexpensive. They are made up of twisted solid copper wires which help to reduce vulnerability to EMI and cross talk effects. This type of cables is cheaper and can support up to 100mps speed capacity.3. Fiber opticUnlike other types of cables, fiber optic uses electrical signals for communication and is made up of reflective cladding that prevents loss of light in the glass core. Although it very expensive and hard to install, optic cables can support at least 2gbps and are not vulnerable to EMI interference. It has got also very fast data transmission and very low attenuation compared to other data cables.B. Unbounded mediaThis type of data communication media involves networking of multiple computers through a wireless connection. Creating a wireless connection is much easier since no physical connection is required and can connect multiple computers in a room. Unbounded media uses space or air as the transmission medium for electronic waves. Some of the unbounded media are the satellites, radio, Bluetooth and Wi-Fi among others. Installation of wireless network is much easier and faster compared to the bounded media which require an expert to do the configuration. Through wireless settings, you can also transfer huge files of data to any networked computer since the unbounded media supports very high bandwidths just like the cabled network.


Generally, in order to transmit data over networked computers, you will have to use either bounded or unbounded types of media. Depending on the type of network you want to create, convenient type of media is required to enable consisted and proper data communication.