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Isle of Man - Insurance and Pensions Authority

Presentation of the jurisdiction's regulatory environment and contact information. Claims to "deter the unscrupulous without hindering forward thinking dynamic companies".
www.gov.im/ipa/

India - Insurance Regulatory and Development Authority (IRDA)

Established by Parliament to protect the interests of the policyholders, to regulate, promote, and ensure orderly growth of the insurance industry.
www.irdaindia.org/

The Bahamas - Captive Insurance

Describes regulatory environment aimed at making The Bahamas an international insurance centre. Captive insurance "insures the risks of its owners who are not in the business of insurance."
www.bahamas.gov.bs/BahamasWeb/businessandfinance.nsf/Subjects/Captive+Insurance

United Kingdom - Financial Services Authority (FSA)

Independent body which regulates financial services. Site is organized by topic, not business class. Thus insurance content will be found in topics such as News, Consumer Help, and Industry Help.
www.fsa.gov.uk/

Australian Prudential Regulation Authority (APRA)

Responsible for prudential regulation of the financial sector and the authorising of insurers.
www.apra.gov.au/

South Africa - Insurance Department

Part of the Financial Services Board (FSB). The Department consists of two divisions: Registration and Policy, and Prudential Supervision.
www.fsb.co.za/insurance/insure.htm

Hong Kong - Office of the Commissioner of Insurance (OCI)

Ensures that the interests of policy holders or potential policy holders are protected and promotes the general stability of the insurance industry.
www.info.gov.hk/oci/

Georgia - Insurance State Supervision Service Of Georgia

Participates in policy decisions, coordinates activity, promotes development of the insurance industry, and supervises insurance activities. [Georgian, English]
www.insurance.caucasus.net/

Latvia - Financial and Capital Market Commission

Protects the interests of investors, depositors and the insured, and promotes the development and stability of financial and capital markets. [Latvian, English]
www.fktk.lv/

South Africa - Council for Medical Schemes

Autonomous statutory body, established by the Parliament of South Africa to provide supervision over medical schemes. Site describes organization, legislation, and offers consumer assistance.
www.medicalschemes.com/

Branding Ideas For Small Businesses


By Janice Jenkins

Creating your own brand is the first step to having a successful marketing campaign for your business. Brand is everything when it comes to advertising. When you have a brand, you are most likely to be recognized and remembered by your clients, as well as your potential customers.

So how do you create an effective brand for your business? Here are surefire ideas to help you create that unique brand that will distinguish you from the rest of your competition.

First things first - your business cards are your representation to your clients, colleagues and prospects. It is your tool to introduce your contact information, in addition to your name and your company's as well. It is a no brainer therefore that your custom cards should have your address as well as your telephone number. It doesn't matter if you are a work-from-home designer, or your shop is adjacent to your garage - you need to have your address in your business card printing pieces.

A location and contact information that your clients can go to or call greatly enhances your credibility as well as your reliability. An address helps you create an established image that your customers can rely on. For privacy issues however, you can always use a P.O. Box address so you won't need to give away your house location.

Second, never leave your house without your full color business cards. This is practically a no-no when it comes to marketing your business. Every moment, each place, and every person you meet is an opportunity presenting itself. Carrying a batch of your cards with you wherever you go allows you more chances of letting other people know about your business. The same goes with your other print ads such as brochures, flyers, postcards, posters and catalogs.

Always remember to reduce your marketing costs. That's the third suggestion. Especially that you're a small business operating on a limited budget, you will always have a problem trying to make ends meet as advertising per se is costly and expensive. Coming up with creative ways to lessen your business card printing costs for example, can save you a lot of money which you can apportion to other operating expenses.

What about your letterhead? Would you like to save on them too? The fourth tip is to design your letterhead to be used as your paper for invoices, flyers, proposals, press releases, some documents in your media kit, and anything else you need to have your logo and company name. Not only do you provide professional image with your brand posted in all your marketing documents, you also help your clients and prospects remember you that easily.

Finally, think of more creative ideas to help you get your message out there. And don't forget your name and contact information. The more times your target audience sees your ad, the better are your chances of getting your brand recognized and retained in the minds of your customers.

Janice Jenkins is a writer for a marketing company in Chicago, IL. Mostly into marketing research, Janice started writing articles early 2007 to impart her knowledge to individuals new to the marketing industry.

For comments and inquiries about the article visit: Business Card Printing

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How to Get Number 1 Rankings on Google, Yahoo and MSN Using Video Hosting Sites

By John Prodonovich

The other day, I did a test to see how fast my videos would be found in the search engines and to see how well they would rank for the keywords I was optimizing my videos for.

The results were outstanding and should bring hope to anyone who feels that getting a #1 or top 10 listing on the major search engines is out of reach. Everyone can get top listings, with videos

The process was very simple. I filmed a video, submitted and tagged my video, and 13 hours later, I was in the #1 spot. Then, 24 hours later that same video on different video networks occupied spots 1, 2 and 3 on Google.

So, how easy is it to do? Very easy, just follow these steps and you'll be getting #1 listings on Google, MSN and Yahoo in no time flat.

First - Create your video. Use a video camera or digital video camera and get the digital file on to you computer so you can manipulate it in a video editing program. If you don't have a video camera, no problem, all you need is a microphone and an audio recording program like Audacity, and you can create an mp3 audio file with 30 seconds to 5 minutes of audio, and convert that audio to video. Don't worry, that's easy too, I'll tell you how in the next steps.

Second - Edit the video file to have the look, feel, URL's and production values you like. If you made an audio file, put that audio file into the video editing software. Most PC's come with Windows Movie Maker, which is free, and you can drop the Mp3 audio in there and place, random Digital pictures throughout the length of the audio file to create the "video" images that go along with your audio.

Third - Upload the finished video file, which should be in wmv format to a video submission host, called Tubemogul. At Tubemogul, you can upload unlimited videos, and then have those videos uploaded automatically to some of the more popular video hosting sites on the internet like Youtube, Google Video, Yahoo Video, Metacafe, Revver, and some other popular one.

Let me say that Tubemogul is also MORE than just a video posting service, they are MUCH more. They can track all the video views you get DAILY on EACH video hosting site. They'll provide charts and other track meta data, that is very important to marketers to daily track stats across all the video sites. And remember, it's all free to do this.

Fourth & Final Step - Push your videos out to the video hosting sites and let Tubemogul do the work for you. But a key element is, you want people to find your videos. The search engines find videos, not based on the content said inside them, but by the tags and descriptions about them. Tagging is the single most important element of getting traffic to other websites, based on what your video is tagged for.

Jeff Mills is giving away free home based business DVDs showing how people can make a six figure income, working from home and is giving away $757 in bonus marketing tools to anyone who claims one of the last remaining DVDs before they sell out. Claim your DVD at http://www.homebasedbusinessdvd.com

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Branding Yourself Will Bring You Greater Success


By Todd Ash

Wouldn't it be amazing if there was a way to successfully brand yourself without selling products and or services.Now most new internet marketers starting out their businesses just want to make a quick buck so they do not brand themselves correctly.

But smart folks like you and I know that if you try to brand yourself just by selling products and services if your customers don't like what you are offering, it is a lot harder to get your business off the ground.

If you brand yourself correctly and are known as a provider of good information you will have far greater success in selling your products thus improving your income.One of the most commonly used ways to brand yourself is to tell real life stories, show your audience that you relate to them.But beware once you have branded yourself and you are known and trusted by the public don't stop providing information to others.

Build up your business by branding yourself and providing relevant and popular information.How to position yourself as the obvious expert branding yourself as the obvious expert is the only way to dominate a niche in the marketplace.Now let's look at this for a second, why would people brand themselves when they could just brand the product and makes sales.

The people who brand themselves are in a completely different mindset.When you brand yourself, people trust you, they see you as the expert people are much more willing to listen to you and most importantly buy from you.If you just brand a product a person will buy the product and probably not even know who you are.

By branding yourself as an expert on your topic, you can easily increase your traffic to your site, as well as sales. Marketing and branding works for products and companies.

The point is this. Branding yourself is all about self-expression.The notion of branding yourself is not new. Your idea of branding yourself is a dynamic strategy everyone should use if they plan on being a big success.What prevents you from over branding yourself is the ability to express a quick summary or movie preview in a concise and articulate way. Particularly in any sales-driven industry, branding yourself is as integral to the success of your business as the company logo.

Todd Ash Is An Entrepreneur and A Master Of Network Marketing.To Find Out More About Succeeding Online Click Here To Visit Toddash.com For Free Information

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Alexa Traffic Rank - Improve Your Low Ranking


by Tim Predaina

Informing Alexa Of All Website Visitors

I wanted Alexa to know about "ALL" visitors my traffic exchange website was receiving, not just traffic from their toolbar users. I wanted them to know not because I support them, but because so many other users did. Users that were apparently unaware of the traffic-ranking prejudice. I accomplished this by installing the Alexa traffic rank banner on all of the pages within my website.


Free Advertising

The Alexa traffic rank banner is a free advertisment for them. Adding their banner to your site is a small price to pay for the increase in traffic rank. They offer several types of banners in different sizes, so it should be easy to one that fits your pages.

Since installing the code on January 15, 2007, the traffic rank for checks4free.com had improved by over 4.5 million within 15 days. That does not mean there was that much traffic. It means that the website had moved up the list from the number 6 million spot to approximately the 1 million spot.

You can view the Alexa traffic rank for the Checks4Free Traffic Exchange using this URL: http://www.alexa.com/data/details/traffic_details?url=checks4free.com.

Conclusion

If your website has a low Alexa traffic rank, I hope the suggestion in this article will help you to improve your ranking as well. The help file on the Alexa website talks about the biased ranking. However, to the millions of users that base an opinion about a website using the Alexa traffic rank, numbers speak louder than words. Your only other option is to hope that more Alexa toolbar users visit your website.

Tim Predaina is with Checks 4 Free, a free manual traffic exchange - http://www.checks4free.com - that delivers real visitors to your websites. Visit: http://copywriting.predaina.com for information about writing articles for content to build traffic.

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Yahoo Search Engine News

Citigroup up on report Alwaleed plans bigger stake (Reuters)

Pedestrians walk past a Citibank branch in Singapore November 18, 2008. (Vivek Prakash/Reuters)Reuters - Citigroup Inc shares rose in premarket trading Thursday on a report that longtime shareholder Saudi Prince Alwaleed bin Talal plans to increase his stake in the bank to 5 percent from less than 4 percent.



Stock futures lower on auto industry fate but Citi up (Reuters)

A share trader reacts while checking share prices in front of the German share price index DAX board at the German stock exchange in Frankfurt, November 20, 2008. (Kai Pfaffenbach/Reuters)Reuters - Stock index futures signaled more losses for Wall Street on Thursday as investors worried that failure by automakers to get government aid would add to the economic woes and dim the profit outlook further.



GMAC applies for bank status (Reuters)
Reuters - The money-losing finance company GMAC said on Thursday it has filed to become a bank holding company, joining the growing list of lenders making such a move in a bid to secure U.S. Treasury funds.

Job losses rise as recession plays on (Reuters)

Catalogues of high street store Woolworths are piled up outside a shop in Streatham southeast London November 19, 2008. (Luke MacGregor/Reuters)Reuters - World economic misery spread on Thursday with forecasts of a global recession running well into 2009, Japan's exports to Asia falling for the first time in six years and job losses mounting.



PepsiCo stands by 2008 earnings outlook (Reuters)

Pepsi cans in an image courtesy of the company. PepsiCo Inc reiterated its full-year 2008 earnings outlook on Thursday and said it would discuss innovation plans for 2009 for its North American beverage unit later in the day. (Handout/Reuters)Reuters - PepsiCo Inc reiterated its full-year 2008 earnings outlook on Thursday and said it would discuss innovation plans for 2009 for its North American beverage unit later in the day.



Business Portal News

9 tips for the Google Mobile App for iPhone
Here are some tips to help you get the most out of Google’s new Mobile Application for the iPhone. To get Google Mobile App on your iPhone, go to the App Store and search for “Google Mobile App,” or click on this link to install from a computer. If you have an older version of Google [...]

Google Adds Voice Recognition to iPhone App
I have a very good feeling about Google’s new iPhone app that does voice recognition. I’ve been playing with this voice recognition application for several weeks and I have to say that I’m really impressed. First and foremost, the voice recognition works really well. Crazy long-tail specialized vocabulary is tricky (more on that later), but [...]

A word about metrics, part III: market share of Google Docs?
I’m not sure what Google Docs market share is, but I thought it would be interesting to mention a couple data points and add a new data point. Data point #1: Compete. Compete just estimated that 4.4M visitors stopped by Google Docs in September, which is just a hair below 2.4% of the U.S. online population, [...]

Pubcon/WebmasterWorld conference, here I come!
I arrive Wednesday afternoon for the 2008 Pubcon conference, and I’ll be staying until after the networking event on the last day, which is the heart of the event. It’s the heart because the networking event is held at a pub, and the original idea of Pubcon was that some of the best parts of [...]

Fun email
Every so often I get an email like this: Dear Webmaster, I have browsed your site and I’m interested in purchasing advertising space in it. I am mainly interested in placing a new page on your site with content and links that I will supply. Please let me know if you would like to discuss this further or if [...]

Google News

Health Insurers Offer to Accept All Applicants, on Condition - New York Times

dBTechno

Health Insurers Offer to Accept All Applicants, on Condition
New York Times, United States - 9 hours ago
By ROBERT PEAR WASHINGTON — The health insurance industry said Wednesday that it would support a health care overhaul requiring insurers to accept all ...
Insurers make pitch for health coverage mandate The Associated Press
Obama's Health Care Proposal to Force Americans to Buy Bloated ... Natural News.com
Health Insurance Industry: We Can Play Nice New Republic
Philadelphia Inquirer - TIME
all 345 news articles

OneAmerica, Shenandoah Life Insurance Company Announce Proposed Merger - MarketWatch

OneAmerica, Shenandoah Life Insurance Company Announce Proposed Merger
MarketWatch - 18 hours ago
INDIANAPOLIS, Nov 19, 2008 (BUSINESS WIRE) -- OneAmerica Financial Partners, Inc. and Shenandoah Life Insurance Company announced today the signing of a ...
AM Best Places Ratings of Shenandoah Life Insurance Company Under ... MarketWatch
all 25 news articles

Research and Markets: An Industry Profile of the Non-Life ... - MarketWatch

Research and Markets: An Industry Profile of the Non-Life ...
MarketWatch - 1 hour ago
The Non-life Insurance in France industry profile is an essential resource for top-level data and analysis covering the non-life insurance industry. ...

Deductibles march higher for employer-provided health insurance - Los Angeles Times

Fresh News

Deductibles march higher for employer-provided health insurance
Los Angeles Times, CA - 7 hours ago
... companies -- must now pay an average of $1001 out of their own pockets before their health insurance coverage begins paying a share of the expenses. ...
Health-Insurance Deductible of $1000 Now Common Wall Street Journal
Health insurance costs inching up for Va. employers The Virginian-Pilot
Ouch! $1000 Deductibles Become the Health Insurance Norm Wall Street Journal Blogs
Houston Chronicle - Winston-Salem Journal (registration)
all 31 news articles

Homeowners insurance: Time for a tune-up? - Los Angeles Times

Homeowners insurance: Time for a tune-up?
Los Angeles Times, CA - 14 hours ago
According to the California Department of Insurance, nearly 39000 claims were filed after the wildfires that swept across Southern California last October ...
Underinsured wildfire victims feel burned again Los Angeles Times
all 5 news articles

NY Times Business

Stocks Are Hurt by Latest Fear: Declining Prices
The Dow fell below 8,000 as concern spread that the economy might be facing a chronic and debilitating decline in prices.


After Losses, Pensions Ask For a Change
Some of the nation’s biggest companies want Congress to roll back rules requiring them to put more money into pension funds.


Shares Near 6-Year Low, With More Losses Feared
As the stock market tumbled to its lowest level in nearly six years, traders and many others were asking the same question: Where is the bottom?


Markets in Europe and Asia Follow Wall Street Drop
Stocks fell sharply in Europe and Asia a day after a withering sell-off on Wall Street sent U.S. stocks to their lowest close since 2003.


Nordic Countries Add $2.5 Billion to Iceland’s Bailout
Iceland finally received international backing for its bailout plan on Thursday, as Nordic countries followed up a loan by the International Monetary Fund.


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