Paul's Web Blog

Archive for October, 2011

So here’s a simple question for you as a fantasy decision-maker in charge of a state’s finances. Let’s say you go to court against Big Tobacco and come out with a big win. Because the court finally agreed to accept the medical evidence, Big Tobacco was ordered to pay money into a massive settlement fund. Every year, this pays out a big chunk of change to your state. What do you want to spend it on? It could be education except you really want to fire all the bad teachers first. Then you can use the extra money to pay higher salaries to attract better people into teaching and raise education standards. Ah, but that’s going to provoke a fight with the unions, so we’d better look for something less controversial. What about health? This would be ideal politics. The tobacco industry has made so many ill, it’s only right its money should be used to improve health care for all. Except how is that going to be done? Even a big lump of change gets lost in the total cost of running health care in a state. . .

Pennsylvania decided to use part of the money to fund adultBasic. This was an outreach plan for adults who would otherwise fall through the cracks. Their income is too great to qualify for Medicaid, but they can’t afford the premium rates for a private plan. The way it worked was simplicity itself. The state funded its own health plan. The actual cost per person was $600 per month, but the state only charged each person $36. The total cost of this plan in 2010 was $166 million. To give you an idea of the popularity of the plan, the state was subsidizing some 40,000 people with half-million people on the waiting list. Remember, there are some 50 million people without any form of insurance across the country. It should not surprise you there were so many people who felt they met the entry requirements for adultBasic in one state.

However, in February, the Pennsylvanian government announced it was looking at a big deficit, so Governor Tom Corbett looked around for cuts. Presumably feeling the 40,000 enrolled in the plan were freeloaders, he ordered the plan shut down immediately. Big Tobacco’s money now flows directly into the state’s coffers and is mixed in with general revenue. Curiously, the state has now discovered it will have a surplus of more than $750 million in the current year. It’s remarkable how quickly the fortunes of a state can turn around. One of the immediate consequences has been a 30% increase in the number of people walking into ERs around the state. This adds significantly to the cost of running the health care services. Ironically, this additional cost alone may be more than the state was spending on adultBasic.

The Democrats have been frustrated at their failure to get adultBasic reinstated. It was one of the few state-funded health insurance plans for the low-income group. Yet a Republican governor will always get political traction out of cutting such a high-profile example of “big government”. Adult Americans should pay for cover out of their own pockets and not look to the state to provide cheap health insurance (even with money from the tobacco industry).

Taking out the right policy when you are buying auto insurance is vital, as otherwise you could end up wasting a lot of money by taking out the wrong level of cover that does not offer the protection that you need. Many people who take out auto insurance simply go for the first plan they come across but this can end up being a costly mistake that fails to benefit them in the long term, even if the initial policy is the cheapest they have come across.

The reason why you should always check the cost of the plans that you are considering before you make your auto insurance purchase is so that you know exactly what you are signing up to in terms of the level of cover that you are getting, the benefits that you will receive, and what you can and cannot claim for under your insurance plan.

Checking different insurance plans these days is far easier than it used to be in the past, which means that you won’t have to go out of your way in order to make sure that you are choosing the right policy. Remember, when you sign up to a particular insurance plan you may end up tied into it unless you are prepared to pay out money to get out of it early. It therefore pays to take the time to check any auto insurance plan you are considering taking out before you rush into signing up for the cover.

The Internet makes it easy to check any insurance plan that you are considering signing up to, as you will be able to see for yourself what the cover does and doesn’t include. This will enable you to quickly determine whether the plan it suited to your needs before you make any commitment, which reduces the risk of ending up with the wrong plan for your needs.

Make sure when you are looking at the various auto insurance plans that you do not simply focus on the cost of the cover, as although price is important it is not the only thing that should help you to make your decision. You also need to look at the level of cover that you get and work out whether it is adequate for your needs so that you are certain that any cover that you take out is going to be suited to your requirements.

By checking auto insurance plans before you make any commitment you will have the peace of mind that your cover is suited to your requirements and offers the level of protection that you need.

This year has shown many people who live inland just what it’s like when a hurricane or tropical storm comes their way. Up to now, it’s mostly been the folk living on the coasts that have had the joy of watching a hurricane dismantle their towns and cities. Now the folk who live up in the hills of Vermont are learning to live with the consequences. These range from the simple jobs of repairing roads and those picturesque wooden bridges, to the grisly tasks of trying to find the dead bodies that have been washed out of cemeteries. Following Katrina, there was considerable hysteria, and not only among people living on the coasts who were finally forced to confront the reality of angry nature. There was also panic in the boardrooms of the insurers. Although there had been regular hurricanes and storms, these companies had managed to remain profitable. But if claims on the scale seen in Mississippi were to become more common, they could all be wiped out. The result was seen in two very distinct changes. The first was to fight a higher percentage of claims. Indeed, many have criticized the ethics shown by some insurers who pay claims adjusters bonuses for avoiding payment of claims or agreeing very low settlements.

The second set of changes has been seen in the policies where many terms have been completely rewritten to exclude or limit the claims that can be made. The first obvious signs have been in the definition of the deductible. The majority of insurers used to rely on a fixed amount. This has changed over to requiring policyholders to pay a percentage of the home’s insured value as the deductible. The percentages range from 1 to 5%. So, if you have a home with a low value, you could find yourself required to pay a higher percentage. High-value home owners might “only” have to pay 1 or 2% for every claim. Obviously, insurers have not agreed standard terms so, as you drive down a street, every home might have a different deductible depending on which insurer writes their policy.

Did you know eighteen states allow the insurers to change the deductible depending on the definition of the weather event? This leads to a higher deductible for hurricanes than for other storms. So the big question is how to define a hurricane. Sadly, there’s no agreement. Some insurers wait until a storm is named by the National Hurricane Center, others have different guidelines depending on the amount of rain that falls and/or the strength of the wind. In the same neighborhood, this can lead to different deductibles and different approaches to deciding whether to accept the claims. To deal with this problem, some of the Insurance Commissioners have introduced new regulations. In Connecticut, no insurer will be allowed to impose a higher deductible if the winds consistently exceed 74 mph over a set period of time. In states where similar rules have been introduced, the insurers retaliated by requiring policyholders to pay out-of-pocket expenses. As home insurance companies find their profits under pressure, they turn to other means to recover their profit. It’s a vicious circle and unless Insurance Commissioners step in more forcefully, home insurance policies will become unaffordable when hurricanes are in the wind.

In the past comparing and buying auto insurance plans could be a very time consuming and frustrating process, which goes some towards explaining why many people used to simply sign up to the first policy that they came across without even comparing the differences in features and prices before they made any commitment.

These days, however, it has become far easier to compare auto insurance from a wide range of providers thanks the power of the Internet. Using the Internet provides a great tool for people who want to get the best deal on their auto insurance, as it provides so many benefits that people in the past never had access to. There are many reasons why it can be so beneficial to compare your auto insurance online and some of these include:

• Saving a lot of time and hassle: When you compare your auto insurance online you can do so from the comfort and privacy of your own home and at a time that suits you, whether it is night or day. This is great for people who work or have other commitments that make it difficult to contact insurance firms in office hours. It also gives you plenty of time to think about what you want without having to feel pressured into making a quick decision
• Having a great choice of providers: With so many insurance firms operating online you will have no shortage of choice when it comes to finding a suitable provider and plan for your needs. The Internet provides a huge amount of choice for those who want to find the ideal auto insurance plan for their needs at a price that they can afford
• Great value for money: You will find some great deals on the cost of your auto insurance cover when you use the Internet, which means that you will be able to get cover at a very affordable price that is within your budget without having to compromise on the level of cover that you take out
• Being able to check policies with ease: In addition to comparing the cost of cover it is also very important to compare the different plans and work out just what you will get for your money with each of the insurance plans that you are considering. Using the internet makes this a very fast and simple process, as you can check the details of all the policies you are considering with ease
• Being able to shop around: Comparing cover is an important part of finding the right auto insurance plan, and when you go online you can shop around with speed and ease, making it easier to find the best plan for your needs and budget

The world of web video is growing at a fast pace. Many people want to jump aboard and start using the medium. Web clips can be powerful tools to businesses large and small. Small and big businesses alike are racing to use web movies as marketing tools to promote their products. Social media sites play a big role in viewership. Businesses are also using social media sites to their advantage by spreading their films through them. It is a new way to advertise effectively over the web.
When you think of a web video you may associate it with something similar to watching television at your computer screen. TV watchers are very passive, and do not need to take any action. On the other hand, with web movies, users are in full control. Online movie clips, however, must engage the user and get him to click the play button, and really listen. People have full control of their Internet experience. Since the users have all the control, Web movie makers must figure out what to do to keep their users engaged.
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Old sales tactics and gimmicks no longer work very well especially on the web. A movie like this can even create negativity from your audience towards your business. It is better to share an interesting story without employing any sales tricks. Show your viewers that you respect their time by engaging them with good content. Once you get them engaged you must keep them there with an entertaining format.
Distribution of your Web clips is an important aspect in using them as marketing tools. Search engines continue to change the way your content will show up in the rankings. Name your files accordingly, use good meta data, and well known distribution and social media sites.You must take time and name your videos using keywords and good meta data to ensure good rankings in the searches. Things are always changing so stay up to date on the latest search engine strategies.
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Research has shown that websites with movie clips have more click throughs and more traffic then websites that don’t. This data shows that 50% of people who watch a web clip will actually visit that businesses website. Of those people half of them will purchase something from that company.
Actionable content is key to keep your viewers engaged. Offering a coupon or a discount code is a good way to call your viewers to action. Doing this will also allow you to measure how well your videos are performing compared to other marketing tactics.
Web clips can and should be shared among friends. If you’re films cannot be portable or talked about with others then they are limited in their effectiveness. If you’re web clips cannot be shared, they are limited in their marketing abilities. If your viewers cannot pass your web clip around and share it, then it is limited in its marketing power. When people share your movie clips, they are helping you to get the word out about your business. When you supply shareable films you are multiplying your viewers and your customers.
Remember the importance of actionable content and keeping your viewers engaged. Do this by giving them an interesting story without the boring sales pitch. Skip the typical sales pitch, and tell an interesting story instead. Have all meta tags and name your films relative to the search engines. Consider the search engines and optimize your films accordingly. Use these differences to your benefit and you can create engaging web video that will be an effective marketing tool.

Buying your auto insurance can be a tricky task, as there are so many different things that you have to take into consideration in order to ensure that you make the right choice. The right auto insurance plan can provide you with peace of mind as well as ensuring that if something happens involving your vehicle in the future you are able to recoup your financial losses or get the issue resolved without being out of pocket, although this will depend on the level of cover that you take out.

There are also many different aspects of cover that you need to look at when you are choosing your auto insurance cover in order to ensure that you get cover that is going to be suited to your requirements. This can be a lengthy task for some people but is something that needs to be done in order to ensure that you are able to find the right cover for your needs and at a price that you can afford.

One mistake that many people tend to make when they are purchasing auto insurance is to look at the cost of the cover and base their decision solely on the price without even bothering to check the level of cover or the benefits and features of the plan. This can be a false economy, as although the cover may be cheaper to buy initially you could end up paying out far more over the long term in the event that your vehicle is involved in an incident.

Some people make the same mistake but in reverse, in that they make sure that they coverage is perfectly suited to their needs but fail to consider the cost of the cover. If you find yourself unable to keep up with payments on your cover your insurance could be invalidated, which could result in you eventually finding yourself in a financial mess if something happens involving your vehicle. This is why it is important to ensure that you look at the price of cover.

The trick to getting cover that is properly suited to your needs is to strike a balance between the cost and the level of cover that you take. It is very important that you take both of these things into consideration rather than focussing all of your attention on just one, as otherwise you could end up taking out inadequate or unsuitable cover or you could end up paying more than you can realistically afford for your auto insurance.