Friday, February 17, 2012

Chick Living: Frugal and Fabulous by Kris Koederitz Melcher

Chick Living: Frugal and Fabulous by Kris Koederitz Melcher

In a money-obsessed culture, learning the ins and outs of finance and frugality are a must for any young person. Melcher offers practical and stylish advice for the just-out-of-college blues or the woes of any fund-hungry chick. Plus pages of ideas and worksheets for young women to use to get their own acts together.

Boston, MA (PRWEB) August 21, 2005

YouÂ’re just starting out on your own. YouÂ’ve exhausted the handful of decorating skills you possessed, you keep circulating the same four outfits, you want to entertain friends but you want a nicer apartment before you do that, oh, and youÂ’re flat broke! In Chick Living (Conari Press, September 2005) Kris Koederitz Melcher teaches how to live frugally while oozing fabulousness.

Melcher’s real-life lessons in necessity such as securing renter’s insurance, getting enough calcium in your diet, and when to take your car and yourself in for a routine checkup will make you feel that you have a friend on the inside – and truly you do. Melcher, in her first year out of college, was able to pay every bill on time and had funds left over to start a Grown-up Girl wardrobe. And, believe me, she was not pulling in huge bucks – far from it.

YouÂ’ll find everything in Chick Living, but the kitchen sink (though Melcher tells you what to stock underneath it). Whether youÂ’re in search of a job, a roommate, a couch, or a recipe, MelcherÂ’s preparedness savvy is the ideal remedy for the just-out-of college blues or the woes of any fund-hungry chick.

“I’m not your mother, your doctor, your boss, your shrink, your conscience, your financial adviser, or your warden. I’m just your girlfriend who’s been there, done that, made some mistakes, and learned a bit along the way. So for those of you who are just venturing out on your own into the Real World, I raise my dirty martini (with three olives) to you in a toast of congratulations. It’s going to be a fabulous journey. Cheers!” ~Kris Koederitz Melcher, from the Introduction, Chick Living

Kris Koederitz Melcher is an editor who has worked in publishing and public relations for several years. She has written, pitched, and placed articles in publications like Modern Bride, New Woman, Parade Magazine, and more. She strives to live a frugal and fabulous life in Leawood, Kansas, with her husband and daughter. You can find Kris online at http://www. chickliving. com.

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Thursday, February 16, 2012

Online Marketing Exceeds Lead Potential of Traditional Campaigns, Says New HRmarketer. com Report

Online Marketing Exceeds Lead Potential of Traditional Campaigns, Says New HRmarketer. com Report

Human Resources suppliers are spending up to 10 percent of their annual revenue on marketing efforts, but that outreach is rooted in traditional activities that fail to deliver the sales leads that executives seek. That's a key finding of "Trends in HR Marketing," the first in a series of research reports by HRmarketer. com, the no. 1 marketing and media visibility service for companies selling to HR decision makers and employee benefit brokers.

Capitola, CA (PRWEB) March 2, 2006

Human Resources suppliers are spending up to 10 percent of their annual revenue on marketing efforts, but that outreach is rooted in traditional activities that fail to deliver the sales leads that executives seek. That's a key finding of "Trends in HR Marketing," the first in a series of research reports (http://www. hrmarketer. com/home/whitepaper_main2.htm) by HRmarketer. com, the no. 1 marketing and media visibility service for companies selling to HR (http://www. hrmarketer. com/home/index. html) decision makers and employee benefit brokers.

Each installment of the series includes valuable results from surveys sent to over 5,000 HR suppliers, as well as analysis from HRmarketer. com's leading experts on marketing and media visibility. Key trends outlined in the first report include:

By overwhelming majority, HR/Benefits marketers’ most important objectives are lead and demand generation. Online marketing activities are supplementing and/or replacing more traditional marketing activities like trade show participation. Marketing PR (http://www. hrmarketer. com/home/hcm_glossary. htm) and search engine optimization (SEO) have enabled HR/Benefits marketers to take full advantage of the trend to align Internet technology, marketing strategies, public relations and sales objectives to make the most of their marketing budget.

The first Trends in HR Marketing (http://www. hrmarketer. com/home/hrtrends_landing2.php? refer=HRM_MPR_Q1Trends_March) report can be downloaded free of charge by visiting: http://www. hrmarketer. com/home/hrtrends_landing2.php? refer=HRM_MPR_Q1Trends_March (http://www. hrmarketer. com/home/hrtrends_landing2.php? refer=HRM_MPR_Q1Trends_March)

It offers recommendations, implications and analysis of the HR marketing arena in 2006, and lessons learned by the HR/Benefits marketplace. In addition, HRmarketer. com's marketing and public relations analysts will identify best-practice trends by evaluating the marketing and PR practices of highly successful HR suppliers in each industry segment.

"Nobody has greater access or insight into the marketing and PR practices of human resource suppliers than HRmarketer. com," said Mark Willaman, president of Fisher Vista, LLC, creators of the HRmarketer. com service. "These new reports will help the HR marketplace get a better understanding of best-practice marketing and PR techniques that will help HR suppliers better prepare and execute cost-effective campaigns."

The "Trends in HR Marketing" series will be released quarterly and include such topics as:

Q1: Trends in HR Marketing: Annual Findings Q2: Trends in HR Marketing: Marketing and PR Activities Q3: Trends in HR Marketing: Online Advertising Q4: Trends in HR Marketing: Budgeting

The reports will also segment findings by size/revenue of HR suppliers and type of HR products/services sold, allowing suppliers to benchmark against their competition and similarly-sized companies.

About HRmarketer. com

HRmarketer is a service of Fisher Vista LLC, a marketing and information services firm focusing exclusively on the human capital industry. Founded in 2001, HRmarketer. com is the no. 1 online marketing and PR service specifically tailored for companies that target decision makers and other purchasing influencers for human resource products and services and employee benefit brokers. HRmarketer combines a database of marketing and public relations information with press release distribution, campaign management, business intelligence and advisory services. The company services over 300 human resource suppliers and insurance carriers, helping them increase their visibility and generate sales leads.

This press release was distributed through eMediawire by Human Resources Marketer (HR Marketer: www. HRmarketer. com) on behalf of the company listed above.

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Certified Financial Planner Launches TermInsuranceQuote. TV

Certified Financial Planner Launches TermInsuranceQuote. TV

TermInsuranceQuote. TV is a brand new resource to give Americans free and instant access to a term insurance quote from dozens of insurers… with the important and unique addition of having a number of short, educational videos giving valuable consumer information and tips about buying a term life policy plus personal advice from an experienced financial advisor.

Alpharetta, GA (PRWEB) January 19, 2010

TermInsuranceQuote. TV is a brand new resource to give Americans free and instant access to a term insurance quote (http://www. terminsurancequote. TV) from dozens of insurers… with the important and unique addition of having a number of short, educational videos giving valuable consumer information and tips about buying a term life policy plus personal advice from an experienced financial advisor.

Mark J. Orr, a Certified Financial Planner based in Georgia and life insurance licensed in a growing number of states, has designed the website to be very consumer friendly and educational. Those who know exactly what they are looking for can get an instant and free term life quote (http://www. termlifequote. TV) without any obligation. The site’s quoting search engine takes the simple information someone enters on a short form such as gender, date of birth, tobacco usage and so forth and then searches the top, highly-rated term life insurance companies and computes premium rates.

The resultant life insurance rates (http://www. lifeinsurance-rates. TV) are then displayed for the consumer from lowest price to highest. Should the consumer want personalized advice about choosing amounts of death benefit, or the best number of years to buy (the term period), there is a toll-free number to call and speak with Mr. Orr or one of his very qualified associates (all have a minimum of 10 years of experience).

Mr. Orr says, “there is a lot more to buying term life insurance than just getting the lowest term life quote (http://www. termlifequote. TV) or price as there can be potentially important differences between seemingly similar policies. His videos describe there are other components of a life insurance policy that most consumers have no idea about. 

For example, most term policies allow you the option to convert the policy to a permanent policy, without passing any health requirements. However the best conversion provisions allow one to do so at almost any time during the term of the policy and to convert to ANY permanent policy that company offers at the time, as opposed to having that option for only 5 years and are just limited to only converting to the most expensive policy the company offers.”

He continues saying, “that’s why the short informational videos on the website are so helpful for people and I want them to be educated consumers. Another tip is that most people don’t understand that many insurance companies offer lower rates per thousand of death benefit for policies over $250,000 or $500,000 and even at $1 million. So a consumer wanting a quote for a $225,000 death benefit would often get a much better deal by searching for $250,000.

And one video describes an inexpensive term life policy or two that offers “living benefits” that one doesn’t have to die to take advantage of such as long term care benefits. This is a great option for single people who might not have otherwise thought about the benefits of owning life insurance and this is discussed on one of the consumer videos.”

The educational consumer videos separate this website from so many others. And when you consider the availability of the personal service of a certified professional both before and after someone applies for their term policy at no extra cost, it’s an even more appealing offer. Anyone can start shopping for a policy by going to: http://www. TermInsuranceQuote. TV (http://www. TermInsuranceQuote. TV)] and completing the short form so they can compare life insurance rates (http://www. lifeinsurance-rates. TV) from dozens of companies. And even experienced term insurance shoppers will benefit by viewing some or all of the available videos. 

Rates for term insurance have dropped dramatically over the years and consumers need to understand that the prices are exactly the same by law whether they buy term life insurance online on this website with the personalized help of a certified financial planner or anywhere. There is no insurance premium discount or difference from one website or agent to the next. The differences will be in the level of expertise and customer service – never the prices.

To summarize, the launch of TermInsuranceQuote. TV will benefit consumers by simply combining the ease of getting an accurate term insurance quote (http://www. terminsurancequote. TV) 24/7, helpful consumer educational videos plus the peace of mind of getting the experience and free advice of personally working with a certified financial planner through the entire process. 

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Using the Internet to help your business

Using the Internet to help your business

Of the many questions from those not already on the Net, these three seem to be the most popular: “Why should I have a website?”; “What use is the Internet to my business?”; and, “How do you grow using the Net?”.

(PRWEB) December 11, 2001

Of the many questions from those not already on the Net, these three seem to be the most popular: “Why should I have a website?”; “What use is the Internet to my business?”; and, “How do you grow using the Net?”. The answers come from yourself, when you analyse your business needs and values.

What is the real value of the Internet to your business? Can it reduce your expenses; generate new business; help develop new business opportunities; and improve operations?

Yes.

Will having a website answer my business needs? Can it: provide customers awareness of my products and services; offer ready information and support; extend my trading hours capability; expand my markets; increase my income; and, ensure private and secure communication between me, my staff and my best customers?

Yes.

With paths already well worn, the benefits to having a website are apparent everywhere. Amazingly though, only 6% of the worldÂ’s population are participating. We like to appreciate this information as positive, proposing huge market growth to come over the next two years. Businesses, who are just awaking to the fact that they are being left behind, realise that they must have at least a minimal of presence on the Internet.

Some of the many benefits to having a website are: the ability to display a catalogue of products and services; that ability to extend your business hours to 24-7 without a physical presence; and, to update information which is seen by the world, immediately. This gives you an equal status with more affluent companies, providing easy communication with current and prospective customers. This is an excellent means of generating sales leads, while keeping present customers aware of new products and services.

There are the benefits of close interaction with your customers. A good website will incorporate smart visitor interaction: this will include basic elements of e-commerce, such as forms, surveys and other data acquiring applications. With Secure Socket Layer (SSL) capacity, one can offer safe and secure online transactions. What instantly comes to mind is the ability to offer credit card facilities, so to allow immediate online sales: more income 24-7.

The long-term benefits are clear too. With unlimited space you can convey your entire message for an unlimited time; it is more affordable and economical than the Yellow Pages; the market is greatly increased, even reaching internationally; and, once an audience is established, new ideas can be tested in real time, with instant results.

There is good practical value in having a website; for instance, a map can provide your local location; statistics on who is visiting your site can determine where you should spend your dollars; of course, no shoplifting; no staff; no insurance; no air-conditioning; and, less time on the phone. 

An important concern for businesses, especially in these days of global mobility, is communication: communication with regular clients and, equally as important, with staff in the field. A website can securely provide current information for use in immediate situations, one can download vital packages within seconds from the other side of the world, with or without password security.

The future of the Net is looking golden. People are now associating reliable businesses with the Internet, with research indicating that businesses with a website have grown 46% faster than those without. Customer service is improving too, when customers have access to product details and technical support solutions, they become satisfied clients.

There is one HUGE incentive to getting your presence on the Internet, and, not easy to avoid, the fact that your competitors are probably already there!

It is not difficult to build a web site, there are many softwares that cater for the skilled and the not-so-skilled; there are automatic web site builders, usually free, aimed at selling you web hosting; and, there is the aged old method of getting someone to do it for you. Web designers are available to provide the look and, in some cases, suggestions of customer interactive solutions; but, the web developers are the back-end creators, they provide varying degrees of skill, from the development of simple forms and actions to database control systems and analysis.

Once you have thought up a unique ‘domain name’, which is advised for the serious business, and created your website ‘locally’, using an editor such as Microsoft FrontPage, Dreamweaver, or Pagemill, you must find someone to ‘host’ it for you.

A ‘web host’ provides a folder on a server, for your website’s files, images and pages, to be stored. A ‘server’, is a computer, which is connected to the Internet 24 - 7. You can find these companies by asking discussion groups or newsgroups online; using search engines; by asking your local provider; or even friends and neighbours. Many people have websites these days and if not, still know where to enquire.

Maintaining your website is painless too. Check your emails regularly, these are the lifeblood of the Internet; check your links are valid, click on them and see if they go to the right place; update old and expired information; and always keep it fresh.

Once you have your website up you will need to let everyone know about it. Email people, in discussions groups and newsgroups, people who are in associated industries to your business: suppliers, and clients. Submit your site on search engines using ‘Site Submission Software’, create associated web pages and submit them too, upload articles as web pages, and try keyword ads. Networking online is easy. Contact related businesses and exchange buttons and links, your button on their website, and their’s on yours. Talk to friends of friends, and leave postings on Message Boards.

It has been known in business, for centuries, that the best form of promotion is in articles and press releases. Write about what you know, experiences in all things business, get another member of your staff to interview you. Put your articles on article directories, there are hundreds of them online, send them to media houses offline and online; and remember, press releases are not of use unless they are news!

Of course there is still the aged old method of promotion: offline advertising; stationery; Yellow Pages; classifieds and many other forms; unfortunately these are costly and in my belief, with a good online plan, not immediately necessary.

By analysing business needs and the value of the Net to your business, you can determine wether having a website is the right idea for you. With the furious rate of increase of users to the Internet, the high presence already established, and the projections for the future, it may prove that just having an online presence, however minimal, will prevent you businesses losing touch with their industries.

Wednesday, February 15, 2012

Spectrum Direct takes its Affiliate Programs to AdTech in San Francisco

Spectrum Direct takes its Affiliate Programs to AdTech in San Francisco

Marketing the American Life Direct and Liberty Direct programs at AdTech helps meet Spectrum Direct’s Affiliate Marketing goals

Mission Viejo (PRWEB) May 15, 2006

The 2006 version of AdTech in San Francisco promised to be bigger and better. Moving from hotel ballrooms to the Moscone Center meant that there would be more people to meet, more exhibitors in the exhibit hall, and more opportunities for the Marketing Team at Spectrum Direct to spread the word about their affiliate program. On Wednesday April 26th Shawn Schaefer, Marketing Manager, and Debra Rabin, Business Development, headed north from their Mission Viejo, CA offices to meet, greet and market at AdTech’s largest ever conference in San Francisco.

Armed with business cards, comfortable shoes and hand outs describing their 2nd Quarter promotion, “Cruise into Summer with American Life Direct”, Schaefer and Rabin spent time with new potential business partners for nearly 36 hours. AdTech is the preeminent gathering of media, internet, and new technology in a conference for interactive advertising, marketing and commerce businesses. In short, it was the perfect place for the Spectrum Direct Marketing Team to introduce their new Liberty Direct affiliate program and publicize their “Cruise into Summer” promotion for their existing American Life Direct program.

“Advertisers like us are always on the look out for new affiliate partners and new technology to help spread the word about our products and programs” Schaefer stated “at AdTech we got to meet people and companies with the great new ideas that we need to continue growing our affiliate programs and driving our sales.” Added Debra Rabin, “Attending the event and getting in front of professionals in our industry really helps raise our profile.”

It helps to have a clear vision and a good map when you’re on the floor at an event like this. AdTech 2006 featured over 200 exhibitor booths, an incredible array of speakers on topics ranging from RSS to blogs to ad serving technology. With over 9,000 in attendance it was easy to have a packed calendar. Schaefer and Rabin had done their homework, arranging many meetings with existing affiliates as well as potential partners. “We were also looking to formulate new income streams from our own databases” Schaefer mentioned. “We covered more territory, discovered many more potential partners and spent time in productive meetings then we could have accomplished in a few months from our offices.”

In the final analysis, AdTech 2006 was a big success with both Business Development and Marketing Management goals being met. “We had face to face meetings with over 30 companies in two days,” declared Schaefer. “I’ll be making follow up and thank you calls for the next two weeks!” laughed Rabin. And the bottom line is AdTech 2006 was an outstanding success for Spectrum Direct, American Life Direct and the new Liberty Direct programs.

For additional information on Spectrum Direct or the American Life Direct Affiliate program, please contact Shawn Schaefer or visit www. AmericanLifeDirect. com.

About Spectrum Direct and American Life Direct:

Spectrum Direct is a life insurance sales and marketing organization, licensed in all 50 states, whose products are entirely internet-based and designed to enable the purchase and management of policies online.

Contacts:

Shawn Schaefer, Marketing Manager

949-600-7904

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SCI Companies Enables Businesses to Offer Customized Disability Benefits to Employees

SCI Companies Enables Businesses to Offer Customized Disability Benefits to Employees

SCI, a national leading Professional Employer Organization (PEO), announced today that effective immediately, it is adding employer-paid short-term disability (STD) and long-term disability (LTD) insurance plans to its existing voluntary benefits offerings through Jefferson Pilot Financial.

Tampa, FL (PRWEB) June 1, 2006

SCI, a national leading Professional Employer Organization (PEO), announced today that effective immediately, it is adding employer-paid short-term disability (STD) and long-term disability (LTD) insurance plans to its existing voluntary benefits offerings through Jefferson Pilot Financial.

The new STD and LTD plans will be offered at a discounted rate based on the client’s employee census and nature of business. The discounted rate requires a 100% employer contribution towards the coverage for all active full-time employees working 30 or more hours per week and does not require evidence of insurability.

Disability insurance is a meaningful benefit with serious implications when overlooked. According to the National Safety Council, a disabling injury occurs in America every 1.5 seconds. The financial cost of injuries is estimated at more than $224 billion each year. These costs include medical care, rehabilitation, lost wages, and lost productivity.

“Providing disability insurance can be a win-win situation for both employers and employees,” commented Henry Hardin, president & CEO, SCI. “Short and long-term disability insurance plans provide employees with needed income replacement if they are unable to work for extended periods due to an injury or sickness. And by offering a comprehensive employee benefits package, employers can improve employee satisfaction and attract top-notch employees.”

In other news, Jefferson Pilot has recently merged with Lincoln Financial Group. The new Lincoln Financial Group has a 100-year old heritage of helping people find solutions to financial challenges. As one of the largest and most powerful financial services companies in the nation, they are a proven leader in identifying and delivering product solutions. Lincoln Financial is a premier provider of life insurance, annuity, group benefits, retirement income and investment products and services, supported by top-tier retail and wholesale distribution platforms. The merger does not affect SCI clients and their employees who are currently covered under Jefferson Pilot’s plans.

SCI clients who are interested in obtaining a quote for the new STD and/or LTD plans can obtain an employee census from their Client Service Professional. The completed form has to be emailed.

What is a PEO?

Professional employer organizations (PEOs) enable clients to cost-effectively outsource the management of human resources, employee benefits, payroll and workers' compensation. PEO clients focus on their core competencies to maintain and grow their bottom line. For free quotes on HR outsourcing, email SCI at info@scicompanies. com.

About SCI Companies

SCI Companies is a “Best in Class” provider of HR outsourcing, specializing in payroll, human resources, benefits and workers compensation administration. Founded in 1985, SCI is one of the largest privately held Professional Employment Organizations (PEOs) serving more than 1000 clients nationwide. For more information, visit www. scicompanies. com.

This press release was distributed through eMediawire by Human Resources Marketer (HR Marketer: www. HRmarketer. com) on behalf of the company listed above.

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Tuesday, February 14, 2012

Fly Fishing British Columbia and Frontier Farwest Fishing Lodge with <a href="http://www. AmericanFlyFishingTravel. com" onclick="linkClick(this. href)">www. AmericanFlyFishingTravel. com</a&gt

Fly Fishing British Columbia and Frontier Farwest Fishing Lodge with www. AmericanFlyFishingTravel. com

Fly fishing travel to the Bulkley River, part of the Skeena River system, in British Columbia for giant Steelhead has exploded in recent years.

Sacramento, CA (PRWEB) March 1, 2006

Fly fishing travel to the Bulkley River, part of the Skeena River system, in British Columbia for giant Steelhead has exploded in recent years. At AmericanFlyFishingTravel. com we think it is because people have finally recognized that this river system is on its way back to its former glory years. It is home to arguably the finest Steelhead fly fishing in the world.

AmericanFlyFishingTravel. com just completed a listing agreement with Frontier Far West Lodge out of Smithers, BC, to serve as web portal for their lodge services. The Bulkley River stands alone as the finest dry fly Steelhead river in North America. The Bulkley, the jewel of the Skeena system, is ranked among the top ten of the world's great fly fishing rivers. Clients return each year to drift down this beautiful, glacier tinted water. As well as Steelhead, anglers fish for Coho, Chinook and Pink Salmon. The Bulkley offers rainbow trout, cutthroat trout and Dolly Varden to excite fly fishers.

Lodge owners Collin Schadrech and Cary Nunes, husband and wife team always impress clients with down home hospitality and a world class adventure at Frontier Farwest Fishing Lodge.

From the beginner to the expert fisherman and fisherwoman, Frontiers Farwest Lodge offers an exciting experience for all. Their professional guides offer instructions in fly-casting, fly tying, and wading. For the more experienced angler, we'll provide more challenging water and an opportunity for a white water rafting trip through the incredible Moricetown canyon.

Frontier Farwest takes great pride in our professional guide team. Without exception, our licensed guides are master fly-casters and instructors. As well as being expert boatmen, our guides are trained in first-aid and river rescue. Although they have world-wide experience, Frontier Farwest's guides return to the Bulkley River each year to share their vast knowledge and experience with our clients. Frontier Farwest Fishing Lodge offers an exceptional, skilled guide team that is second to none in the industry.

AmericanFlyFishingTravel. com has established affiliations with Orbitz, Hot Wire, Budget Car Rental, Delta Airlines, Alaska Airlines, Travelex Insurance, Medjet Assist, Patagonia, REI, Ex-Officio and many helpful websites such as The Weather Channel, Map-Quest, Moon & Tide Charts and the US State Department.

Gary Eblen and Peter Blackman owners of American Fly Fishing Co. have been operating a full-service retail fly fishing shop for over fifteen years. Very early in the e-commerce era they started AmericanFlyFishing. com, which has become one of the internet's most successful e-commerce sites. They are recommended on-line dealers with Sage, Scott, Redington, Winston and Simms; the major manufacturers in the fly fishing industry. To learn more visit www. Travel. com or email garye@americanfly. com.

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