White Mountains Insurance Group, Ltd.

A Bermuda domiciled company with North American business interests in property and casualty insurance and reinsurance. Includes information about the company, its subsidiaries, and news. (NYSE: WTM)
www.whitemountains.com/

HCC Insurance Holdings, Inc.

Insurance holding company consisting of life, property and casualty insurance companies, underwriting agencies and intermediaries. (NYSE: HCC)
www.hcch.com/

AmerUs Group

Engaged in the business of marketing, underwriting and distributing life insurance and annuity products throughout the USA. Includes information for investors and about the company and its subsidiaries.
www.amerus.com/

Ohio Casualty Corporation

The holding company of The Ohio Casualty Group of insurance companies. Site includes annual reports, shareholder information, bond ratings, and financial information.
www.ocas.com/corporate/

StanCorp Financial Group, Inc.

Owns companies which provide insurance and retirement products for groups and individuals throughout the USA. Site describes the company, lists its subsidiaries, and includes news and investor information.
www.stancorpfinancial.com/

Allianz Group

An insurance group with over 70 subsidiaries writing business in over 50 countries. Offers both life and non-life products, banking, and other financial products. [English, German]
www.allianzgroup.com/

Fairfax Financial Holdings Limited

A financial services holding company which, through its subsidiaries, is engaged in property, casualty and life insurance and reinsurance, investment management and insurance claims management.
www.fairfax.ca/

Fortis

An international group of many European and US companies operating in the fields of insurance and financial services. Includes list of internet sites for its subsidiaries. [English, French, Dutch]
www.fortis.com/

UnitedHealth Group

Parent to managed care and benefits organizations such as UnitedHealthcare, United Behavioral Health, and Uniprise. Site describes businesses and offers investor information.
www.unitedhealthgroup.com/

Standard Management Corporation

US company with life insurance and pharmaceutical distribution subsidiaries. (Nasdaq: SMAN)
www.smancorp.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

A9

Internet Marketing - Past Present Future

By Ryan Pitylak

"Believe the hype. The Internet and the World Wide Web have become the most important new communication media since television, and ones that are fundamentally reshaping contemporary understanding of sales and marketing." - Jim Sterne. During the last part of the 1990s, the Internet boom saw all kinds of brand new companies that were developing services and products that literally capitalized on the Internet's potential.

Unfortunately, the push-to-market often resulted in very poor planning and many business models failed to include realistic and profitable business objectives. When the year 2000 ended, many of the above mentioned companies closed their doors. After this black period, the surviving and the new opened companies realized that the web-based strategies and techniques must be taken into consideration just like any other classic marketing tools.

In the future, websites will be more personalized, as they will cater to consumers and niche markets. Internet marketing through audio newsletters will probably become a more accessible tool for targeted audiences. Other predictions made by experts regarding the future of Internet Marketing are:

• 50% of experts affirm that anonymous, free, music file sharing on P2P (peer-to-peer) networks will still be easy to perform a decade from now

• 59 % of experts agreed with a prediction that more and more business and government surveillance will occur as computing devices proliferate and become embedded in appliances, phones, clothes and cars

• 56% of experts agreed that as telecommuting and home-schooling expand, the boundary between leisure and work will reduce and family dynamics will change due to this reason

• 57% of experts agreed that virtual classes will become more widespread in formal education and that students might, at least occasionally, be grouped with others who share their interests and skills, rather than by age

All things considered, Internet Marketing is one of the most important aspects of the Internet world and many people are considering that this domain will have a very long future, along with the Internet. All website owners will have to take into consideration at least one Internet Marketing technique.

Razvan Marian Jr. is the owner of www.wildduckhuntinginfo.com where you will find interesting duck hunting info and duck hunting tips that may prove to be very useful.

Article Source: http://EzineArticles.com/?expert=Ryan_Pitylak
http://EzineArticles.com/?Internet-Marketing---Past-Present-Future&id=1082872

R2

Google Docs - An Essential Blogging Tool?


By Tony Bedford

In managing my blog one of the tools I rely on is Google Docs. In this article I provide an introduction to Google Docs and explain its advantages to those running an blog.

What is Google Docs?

Google Docs is best summarized as a completely web-based, simplified, free version of Microsoft Office. It provides basic functionality such as word-processing, spreadsheets and presentations. The fact that it is an online service gives it a number of advantages, but there are also one or two disadvantages you need to be aware of.

Web-based service

The fact that Google Docs is an online service has a great advantage, you can work on a document from anywhere you have Internet access and a browser. This is more convenient than it sounds. For example, I have several computers and, using OpenOffice, I might create a Word-compatible document on, say, my desktop computer. If I am then on the road I don't have access to that document from my laptop as the document might still be on my desktop computer's hard-drive.

There are ways to transfer between computers, and one technique I used in the past was to email the document to Hotmail. This ensured that I could access the document from any of my computers and it was backed-up by Microsoft. This wasn't convenient though as I ended up having several versions of the document on different computers and keeping track of the current version proved difficult. Google Docs solves this problem as all the documents you create are hosted by Google. You can access your documents from any computer that has a browser and Internet access.

Summary

I would say I am addicted to Google Docs and find it to be an essential part of running my blog - it is one of the main reasons I use Blogger. It is convenient, easy to use and being able to store your documents (and publish them) on the web is a huge advantage. I no longer have to transfer documents between computers or worry about issues such as versioning. It is very easy to be able to export the documents to a local file, such as a PDF. So far, I have found Google Docs to be invaluable.

Google Docs can be found at http://docs.google.com

Tony Bedford first started blogging in March 2000. Tony currently maintains a free guide to more profitable blogging at http://the-business-of-blogging.blogspot.com


A5

Pay Per Clicks


By Chad Sandifer

There are many advertising options out there for small and large businesses alike. A new phenomenon that has recently hit the scene is the use of sponsored link searches for advertising needs. Are sponsored links really the best way to allocate valuable advertising dollars?

A re occurring complaint I hear from many of my customers is that sponsored links are not developing the return on investment they desire. There are several key reasons to why this may be occurring. Sponsored links, or pay per click advertising, are links on the right hand side of most search engines. These links, historically, are only used by approximately 30% of the online search market. By using only sponsored links in your online marketing campaign, you have essentially cut out 70% of the market that may be searching for your business. Further, did you know that there is a constant bidding war on the sponsored side of the page? Business are having to spend valuable working time managing their sponsored link page to make sure the are staying on the first page, while not breaking the bank. Because most consumers don't search past the first page of search engines, it is a constant war to "out bid" your competitors and stay in those valuable spots. But what is to keep your competitors from clicking your links and costing you tons of money and headaches? Thankfully, Google (among others) have allowed you to set certain limits on the amount of money you wish to spend monthly on sponsored link searches. While pay per click ads may get you some form of business, I do not believe they are the end all in online marketing. It is important to recognize several key factors when thinking about investing in pay per clicks.

1) How can I minimize "fraudulent" clicks by my competitors

2) Are their other online options, for around the same cost, which can give me a better return on investment? and

3) Am I willing to cut our 70% of the search market by spending money on sponsored links?

For some businesses, pay per clicks work. I am not advocating that they don't. The law of "big numbers" may come into play here where if you do something long enough, the average return will be worth the investment. I have found other advertising mediums that allow my customers a better, more stable, return on their investment. Diversity is the key to the marketing game and in order to advertise to all corners of a market, it is necessary to weigh your options and decide if you have the time, and money, to play the "big numbers" game.

Chad Sandifer
http://www.tenlist.com

R7
Google
 

Google News

Health Insurance Trade Group Proposal Praised By Sen Kennedy - CNNMoney.com

Boston Globe

Health Insurance Trade Group Proposal Praised By Sen Kennedy
CNNMoney.com - 4 hours ago
WASHINGTON -(Dow Jones)- A proposal unveiled Wednesday by the health insurance industry would provide universal health coverage and hack away at medical ...
Insurers announce health reform proposals Boston Globe
Insurers like Obama health plan, with reservations The Associated Press
Affordable Health Insurance: A Memo to Obama Spero News
Baltimore Sun - Huffington Post
all 140 news articles

Insurance rise at coast could help protect plan - Forbes

WNCT

Insurance rise at coast could help protect plan
Forbes, NY - 6 hours ago
By GARY D. ROBERTSON , 12.03.08, 11:58 AM EST Property owners in 18 coastal counties soon will pay more for insurance premiums through a state-sanctioned ...
Insurers Urge Surcharges, Reforms to Fix North Carolina Beach Plan Insurance Journal
Insurance rise at coast could help protect plan Rocky Mount Telegram
Coast's risks may sting state News & Observer
all 27 news articles

70 Percent of Cruise Insurance Claims Occur Prior to Cruising ... - MarketWatch

70 Percent of Cruise Insurance Claims Occur Prior to Cruising ...
MarketWatch - 2 hours ago
DANBURY, CT, Dec 03, 2008 (MARKET WIRE via COMTEX) -- According to iTravelInsured, 70 percent of all cruise insurance claims occur before you begin your ...

Life Insurance Patent Issued for Future System Advisors, LLC - MarketWatch

Life Insurance Patent Issued for Future System Advisors, LLC
MarketWatch - 9 hours ago
The FSLM is an entirely new form of life insurance that solves many of the problems caused by traditional product chassis, such as UL and VUL RGA Financial ...

NIIT Technologies Announces Key Appointments to Insurance and ... - MarketWatch

NIIT Technologies Announces Key Appointments to Insurance and ...
MarketWatch - 10 hours ago
Goutam Kundu, an Insurance industry specialist joins NIIT as Global Practice Head - Insurance Vertical. In this role he will work closely with the sales ...

Business Portal News

PubCon video interview
I spoke at a few conferences in the second half of 2008, and a video interview from PubCon recently came out. The always-charming Mike McDonald and I did a 10 minute video interview at PubCon a couple weeks ago. A few of the topics that this interview covers: - how personalized search affects SEO and how ranking [...]

Browser Market Share?
I hadn’t looked at my browser marketshare in a while, so I fired up Google Analytics: Rough browser numbers are Firefox 57.58% IE 26.07% Safari 6.48% Chrome 5.11% Opera 2.35% Mozilla 1.44% SeaMonkey 0.48% Mozilla Compatible 0.18% Konqueror 0.13% Camino 0.04% OneStat says that they see 0.54% share for Google Chrome. Net Applications provides an hour-by-hour graph, which is nice, but they hardwired it to look for the string “Chrome 0.2″ when Chrome is on version 0.3 [...]

Trying (and failing) to get Ubuntu to work
I really want to run Ubuntu, but it shouldn’t be this hard. Plugging in an SD card reader that I picked up from Best Buy shouldn’t cause a hard freeze of my system (on both Gutsy Gibbon and Intrepid Ibex): The card reader works fine in Windows. At this point, I’m honestly thinking about crashing the [...]

Where did udevmonitor go?
In case you’re looking for the “udevmonitor” program on the Intrepid Ibex version of Ubuntu, it’s changed; use “udevadm monitor” now: $ udevadm help Usage: udevadm COMMAND [OPTIONS] info query sysfs or the udev database trigger request events from the kernel [...]

Virtual terminals not working? Check your keyboard.
(This is a boring post that I’m writing for people that have this same problem in the future. Just skip it.) Every good Linux user knows that if you want to drop from X down into a text-based virtual terminal, you can press control-alt-F1 (or any other key up to F6), and control-alt-F7 returns you to [...]

NY Times Business

Autoworkers’ Union Pledges to Make Concessions
The U.A.W. president said it would suspend its jobs bank and let carmakers delay a health-care fund payment.


Lead Director Pins G.M.’s Hopes on Federal Rescue
G.M.’s lead outside director said that the board is behind the chief and does not consider bankruptcy an option.


DealBook: Management Wins Neuberger Berman Auction
The bid by Lehman’s Neuberger Berman team trumped a previous bid by two private equity firms, Bain Capital and Hellman & Friedman.


German Automakers Brace for a Slowdown
As carmakers take steps to reduce inventories, an auto official has even raised the sensitive issue of potential layoffs.


Harvard Endowment Loses 22%
University officials have been told to expect a 30 percent drop in the endowment’s value because of the financial turmoil.


Yahoo Search Engine News

Wall Street jumps on Coke and other defensive plays (Reuters)

Trading specialists work on the floor of the New York Stock Exchange, December 3, 2008. (Chip East/Reuters)Reuters - Stocks rose for a second day on Wednesday as investors flocked to shares of Coke and other companies that hold up well in recessions following another round of disappointing economic data and corporate outlooks.



Congress briefed by auto companies on revamp plans (Reuters)

Chrysler assembly worker Leroy Feltz works on a 2009 Jeep Wrangler at the Toledo Supplier Park Jeep plant in Toledo, Ohio December 3, 2008. (Rebecca Cook/Reuters)Reuters - The chief executives of the major U.S. auto companies prepared on Wednesday for make-or-break congressional hearings on their request for $34 billion in government bailout loans, while lawmakers considered options including one or more of the Detroit Three going bankrupt.



Private jobs, services slump show recession toll (Reuters)

A man walks past a store advertising a sale, on 'Black Friday' in Fairfax, Virginia, November 28, 2008. (Larry Downing/Reuters)Reuters - Private employers cut 250,000 jobs in November, an unexpectedly large number and the biggest in seven years, while the service sector, which powers most of the economy, posted its worst slump on record.



U.S. working on affordable mortgage plan: sources (Reuters)
Reuters - The Treasury Department is developing a plan to try to reduce mortgage rates on home loans to 4.5 percent on a 30-year mortgage by making fresh investments in those assets, sources familiar with the plan said on Wednesday.

Paulson said weighing bailout's next $350 billion (Reuters)

Treasury Secretary Henry Paulson speaks at a news conference at the Treasury Department in Washington, November 25, 2008. (Jason Reed/Reuters)Reuters - Treasury Secretary Henry Paulson is weighing whether to ask Congress for the remaining $350 billion of the financial bailout fund, with White House aides approaching President-elect Barack Obama's transition team about the idea, an Obama aide said on Wednesday.



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