Archive | Business

The Reluctance to Purchase Auto Insurance

Auto insurance is quite a strange product that people purchase it, but they never expect to use it. Many types of coverage in the auto insurance policy will only apply following a car accident, and there is no driver who wants to get injured or cause damages to his/her vehicle. However, 47 states in the U.S. require all drivers to have some car insurance mainly liability and property damage coverage. Auto insurance is mandatory, but a considerably great number of drivers are still reluctant to purchase it for various reasons. Here are some common problems that have led people to avoid purchasing auto coverage and why goodtogoinsurance can be an easy solution.

auto insurance

  1. For the sake of cutting cost

In some cases, drivers will buy insurance but only begrudgingly. They make the purchase only because the law requires it without actually seeing any potential benefit. Those drivers have no belief that auto insurance provides real value and, therefore, consider this product a waste of money. An economic downturn has been an affecting factor as well. People cut cost where they can, and auto insurance is an expense that cannot give immediate or direct benefit in return unless you are involved in an accident. There are laws to regulate fines or punishment for uninsured drivers, but they are willing to take the chance to avoid paying insurance premium even when they can afford it.

If the reason is budget-related, it is easy to notice that the competition between insurers is fierce. Insurance companies are also trying to reduce price anywhere possible to encourage customers to comply with state’s’ laws. Even for high-risk drivers who need to purchase non-standard more expensive coverage, there are many good options available. Good to go insurance is a prime example that provides affordable coverage for high-risk drivers.

  1. Bad experiences with previous insurance company

Another common reason is the unfavorable attitude toward insurers based on past experiences. Insurance companies are not created equal, indeed; there are stories of insurance fraud told by families, friends, neighbors or even online acquaintances. Although those horror insurance stories came from only a handful of companies, people are becoming more reluctant to purchase coverage because they are afraid to be deceived. Someone else’s unfortunate events in the past, such as rejected claims or unexpected premium increase, lead to the belief that insurance companies are things to avoid.

A good way to prevent fraud is to purchase from a reputable, experienced insurance company. Good companies may not provide the cheapest rate, but probably millions of customers have proved the quality of services. Goodtogoinsurance is a subsidiary of American Independent Companies, Inc., an insurance firm that has been in the industry for more than 25 years. Furthermore, this parent company has a network of licensed underwriters spread in most states in the country. It allows Good to Go Auto Insurance to provide coverage more efficiently while it makes sure that your policy complies with the local law regardless of where you live. A licensed, reputable company means it provides all services by a set of insurance standards regulated by the states.

  1. Denial of real risk

The worst reason is simply a denial of known risks. Some people do not want to purchase auto insurance not because it is expensive, or they are acting preventive towards possible fraud, but because of ignorance. These people understand very well about the possibility of getting involved in an accident, but they ignore the risk anyway because of the belief that accidents will not happen to them. Beyond the financial protection, insurance card, and policy document, auto insurance is an intangible product. If an accident occurs or they are caught committing traffic violations, the fines can be higher than normal because driving without insurance is also another violation. Moreover, they have a greater possibility of being considered high-risk drivers, which leads them to make the most expensive purchase of non-standard coverage. The good thing is that the company has managed to give some payment options to break down a full-year premium. The way they have the payments option are the monthly and quarterly basis, so the non-standard cost coverage is more manageable.

In such situation, many insurers will reject your applications. High-risk drivers are those with bad past driving records or high probability of filing claims in the future. Insurance companies do not like this kind of customers, meaning non-standard coverage is a must-purchase. Some insurers provide non-standard coverage, but the company has been better known to specialize in providing minimum liability coverage for high-risk drivers.

In reality, there is always the risk of being involved in a road accident. If you are now considered high-risk due to previous major traffic violations or young age, it can be difficult to find a company to underwrite your insurance policy. Even when you do find one, you should expect that the price is beyond normal. Goodtogoinsurance focuses on providing its services to high-risk drivers, but the company has many discounts with relaxed eligibility requirements to help you reduce/manage premium cost better.

If you are at fault in an accident, the minimum liability coverage and property damage give a payout to the other party involved. The financial protection is for you, but it is for covering the cost that you need to pay because you are legally responsible. Your car is also an investment worth protecting, and the company offers optional coverage including Collision and Comprehensive to protect your car. Vehicle repair can be quite expensive, but insurance helps to prevent you from spending more money.

Standard and Non-Standard Policy

There are some reasons why an insurance company regards you as high-risk drivers. For example being teen driver, having no home-ownership, previous DUI or any significant traffic violation, driving sport/antique car, and more. Some companies even use a credit score to determine your category. Whether or not you are high-risk, goodtogoinsurance.org can provide affordable policy without reducing the quality of services. Also, Collision and Comprehensive are optional only. The process of purchasing insurance from the company is very simple as well either from an agent or online. Furthermore, you can ask for free quotes to see an estimation of your premium prior to purchasing. All those features are accessible from the official website of the company.

In conclusion, many factors lead people to avoid purchasing auto coverage. However, Good to go insurance has been great in terms quality, reputation, options, discounts, and high-risk tolerance to deny easily the assumption that people do not need it.

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Should your Online Business be Using a VPN?

Is your business or company making use of a VPN – or are you just leaving everything to chance?

A VPN (Virtual Private Network) is basically a technology that enables you to establish or create a secure network within a public network like the World Wide Web. A VPN, just like the internet itself, is a tool that every business or company should have at its disposal.

It has never been more necessary to keep your online activities private like it is today because of the widespread occurrence of Firesheep, phishing, Wi-Fi spoofing and many other malicious activities. Virtual offices and telecommuting are being used more and more by businesses from around the world. Employees are being forced to use unsecured public networks to undertake these activities and this can be quite risky.

Do your employees find themselves making use of unsecured networks to upload files to company servers? How many times do they make use of the free Wi-Fi at the airport or local coffee to finish their work and meet their deadlines? Employees working on such unsecured networks has become a norm in today’s world. What they do not know is the danger they are exposing themselves and the company to.

Virtual Private Networks are very similar to firewalls as the help to protect the files on your computer as you browse the web. In technical terms, a VPN is like a wide area network (WAN). On the end-users side, your digital workspace has the same functionality and security that you would expect on a private connection. The real benefits of a VPN exist behind the scenes.

Today, VPNs have become very popular among businesses and individuals who are already know about their benefits. VPNs make use of various dedicated connections combined with strong encryption protocols to establish secure P2P connections. When a person with malicious intent accesses the data being transmitted, the strong encryption ensures the data is useless to the attacker.

online business vpn

VPN Treatment

Still not convinced that your business needs to have a VPN? Read on to find out the benefits of a VPN.

According to BestVPN.com VPNs significantly reduce the risk of cyber-attacks and security breaches. You may assume that hackers only attack other companies or other people. However, companies and individuals get hacked every day. Only the biggest attacks make the headlines. Between the year 2014 to 2015, Symantec observed a 125 percent increase in zero-day vulnerabilities. By making use of a VPN, you are making sure that your company is less likely to become a target of these malicious attacks.

VPNs improve productivity. Nowadays, employees and staff are aware that public networks are not safe. This may make them reluctant or wary of logging into company databases and systems using unsecured networks. If they travel frequently, you can be sure that they will not want to work on unsecured networks while on the road. When you have a VPN, your employees feel safe and free to work from anywhere.

VPNs make clients and customers feel safe and secure. If your company collects data from customers, clients or patients, you can make them feel at ease when providing this data by making use of a VPN. Although many of them may not really understand what a VPN is, most customers and clients will appreciate a company that takes extra measures to keep their information safe and secure.

VPNs allows you to remain in the U.S while traveling abroad. VPNs provides alternative IP addresses that your employees can use to access numerous websites and system while traveling abroad. It is worthy to note that some countries have strict internet access restrictions (for example China which greatly restricts access to Facebook). In order for your employees to stay connected, they will definitely need a VPN. Also, many customers and clients are normally wary of opening emails that appear to be sent from abroad. However, there is no reason for employees not to send emails when abroad as a VPN redirects the communication to appear as if it is coming from the company offices or HQ in the U.S.

VPNs are very affordable. VPNs are actually very cheap considering the numerous benefits they have to offer. Prices may vary but most VPNs may charge anywhere from $10 a month. VPNs are therefore an affordable and budget friendly security solution for your business.

A VPN can easily be established for employees working offsite. In this case, the VPN only works when every single employee is on board. Everyone needs to understand how to access the VPN protocol as well as the importance and the benefits of using it. This concept should be regularly reiterated to involved parties so that it becomes part of the norm.

VPNs are user friendly and easy to use. The first step to use a VPN is to access the World Wide Web through your ISP like you would normally do. Next, you need to initiate a VPN connection with your specific VPN server using the dedicated software or program provided. The VPN software or programs ensures that your connection to public networks is safe and secure.

(NB: While it is possible for businesses to establish their own Virtual Private Networks with the help of specialized network equipment, consumers still have a wide variety of free and paid VPN services that they can opt for. Lucian Constantin from Computerworld says that “Free VPN services have slow connection speeds, are overcrowded and usually display ads.” He goes on to add that Free VPNs are suitable for the average internet user looking for privacy and security.)

Improving your business’s security does not have to be a time consuming or costly affair – with a Virtual Private Network, you get an instant boost in security.

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How to Use Social Media for Boring Topics, Industries or Companies

Social Media and Social Media marketing is pretty much mainstream now and every company at least has a Facebook and in some cases have a Twitter or Instagram. However, even if you have just started or are trying to start one social media account for your company or brand sometimes it can be tough if it’s a naturally “boring” or uneventful industry.

So we came up with these examples and tips to help you think outside the box and still use social media for any company, brand, or topic with these tried and true strategies and ideas to get you on the right foot.

Use Visuals

For example, if you were an RV Dealer or Wholesaler and buy RVs to people looking to Sell their RV or just sell new and used RVs the best thing you can do is take pictures and/or videos of your inventory especially the RVs you have listed for sale, at a special price, and even “discounted for social media buyers” that like, comment, tag or share the picture you just posted.

Not only is this creating awareness of your business it can possibly be shared with other potential buyers that were thinking about buying a New RV or selling their  RV.

As a dealer you might think, “posting pictures or videos everyday of your inventory is boring or redundant” and it can be but start taking pictures and videos of your product (RVs in this case) with different backgrounds, or scenery behind them and mix it up. Social Media is a very visual place so showing off your product, company, or business with photos and visuals definitely create a more exciting approach to your social media vs. a boring text update of a “special this weekend”.

social media

Tell a Story

Whether with video or pictures you can build a “story” of sorts and take it piece by piece by keeping people wanting to learn more. For example if you were a music production school you can over a day, week, or even month highlight a music production student taking a class or going through your music production program.

If the student is ok with it you can get them involved in your social media pictures, videos and updates on Facebook or Instagram and Twitter and share their insights about your school or business. As well as highlighting the “day in the life” of a student or even an employee to really tell people the story of your brand and business.

Although, you may think “music production” might be boring “music” is a universal thing so you bits and pieces of  your business or in this case music production school to show the “non boring” parts that you think everyone can relate to. Including behind the scenes or the finish product and results of a music production school or class.

Show Results

People love to see what something can do or the results of using something. For example another boring industry could be medical billing software and even a specific solution like Medisoft. However, you have to think about the “audience” so it may be boring to a the general public but if you think about the audience of people that would be interested in Medisoft or any medical billing software would be independent physicians that want a proven practice management solution that can either save them time or save them money (or both).

What they would love to see even on social media whether Facebook or Twitter, and Instagram is the results of using a medical billing software like Medisoft.

For example even using a video like this and sharing it on social media channels can help turn something boring into something someone wants to watch or catch their eye.

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5 Ways to Reap the Rewards of Improved Site Speed

Speeding up your website will help you in many ways. By increasing load times you are likely to lower bounce rates, help your SEO, and create a better user experience for visitors to your site. Here are five smart ways to speed things up.

Utilize CDNs 

Content Delivery Networks (CDNs) are extensive networks of servers housed all over the world.  If you are not utilizing a CDN, it usually means that your users will need to access your web host’s server at its central location.

This can lead to slow website speeds, particularly when your visitors are located a long way from your server’s central location. If you are only using one server, it may become overloaded and cause your website to crash.

Both of those problems are solved by a CDN. A CDN allows users to access a cached version of your website from a web host that is near their location. Even better, if your server is overloaded, visitors will automatically switched over to a different server location.

This results in faster load time, and leads to happier customers (and search engines).

speed

Keep HTTP Requests To A Minimum

Yahoo reports that 80% of the load time of a page is spent downloading the various parts of the page, including: flash, scripts, style sheets, and images.  An HTTP request is made for each of the elements, so more on-page components means that a page will take longer to render. The fastest way to improve your website speed is to simplify your design.

  • Streamline how many elements are included in your pages.
  • Whenever possible, use CSS rather than images.
  • Combine multiple style sheets into a single one.
  • Reduce your scripts and place them on the bottom of your page.

Always keep in mind that leaner is better.

Pro Tip: Get a campaign started to reduce the components on each page. This reduces the number of HTTP requests that are needed to make the page render – this significantly will improve your website’s performance.

Optimize Database Tables

Optimizing your database tables is similar to changing your car’s oil or defragging your computer – it helps to free up space and ensure that your database continues to run smoothly.

You can manually optimize database tables using either a plugin or phpMyAdmin.

Compress Images

Images are usually the largest files on a website, so it will takes ages for them to load if they are not compressed.

Fortunately, there are some excellent tools available to help you compress your files.

WPMU DEV now manages and supports WP Smush.it, a program that automatically strips data from JPEGs and takes unused colors out of indexed pages.

Another great tool is Tiny PNG, which strips un-used colors from glossy compressions.

If your website has lots of images then you may want to implement Lazy Loading. The Lazy Load plugin enables you to load images above the fold only whenever a new visitor lands on your website.  Images then load after a visitor starts to scroll down the page. In addition, if you improve page speed load times, this technique will also save bandwidth on users who don’t scroll down to the very bottom of your pages.

WP-DBManager lets you restore, backup, repair and optimize your database.

Another database optimization and cleanup tool is called WP-Optimize.  This plugin allows you to remove items in trash, unapproved comments, comments in your spam queue, and post revisions.

Javascript code should be kept at the bottom of the page, and CSS files on the top of your pages.

Finally, be sure that your website’s code is kept neat and tidy by adding CSS files on the top of the code, and Javacript snippets added to the bottom whenever you are working on a raw HTML page.

When your CSS files are added to the top of pages it prohibits progressive rending. This saves resources that would otherwise be used by web browsers for loading and redrawing page elements.  When Javascript is added to the bottom of your pages it prevents them from waiting for full code execution before they load, and this makes browsing faster.

These are just a few of the various techniques that you can use to speed up your website, and they are among the easiest for you to implement.

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How to SEE What Gary Vaynerchuk and Sequoia Capital is Investing in Using Crunchbase

One Social Media hack to see what the best Apps are currently or new ones that are up and coming before mainstream really pays attention to them is going to the App store and looking at the Top FREE apps list and going down the Top 100 apps by one on a daily/weekly basis. If you do it often enough you notice what’s popping and what’s falling or losing momentum.

As an example, Boomerang from Instagram was popping and now as of December 2016 it’s barely in the Top 100. This can give you massive insights on what consumers love, hate, or just not feeling any longer.

Another way to track apps is to use App Annie and see a more detailed approach to downloads of apps, revenue estimates, and market data vs. surface level lists.

In this same aspect and process you can track what the top VCs in the world like Sequoia Capital (early Facebook investor) and social media celebrities like Gary Vaynerchuk are investing iin via Crunchbase..

Like this..

gary vaynerchuk

And like this..

sequoia Capital

Want more… click this.. to see all the top investors and where they are investing their money.

top investors

Why is this so cool and valuable to track top Investors and their investments?

You can get insights on the next tech/app/social media and internet companies and where the money is actually flowing.

These are the best of the best of breed of investors and you can track where they are putting their money and you can find something that’s about to pop or hit mainstream before anyone else just like with checking the top apps and that philosophy.

This is how you can “Follow the Money” and SEE if they are putting their Money with their Mouths are.

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Videos of Gary Vaynerchuk at SXSW 2016

gary vaynerchuk sxsw

Gary Vaynerchuk YouTube SXSW Keynote

Literally, the time Gary Vaynerchuk went on stage at SXSW 2016 (11:30 AZ time) we had a meeting with a client. However, the beauty of this digital world we don’t have to fly to Austin, TX and be at SXSW 2016 to actually see the vibe of Gary Vaynerchuk around this time and at the event.

What we can do is go to Twitter.com/search (es) for Gary Vaynerchuks talks, keynotes and digital bits and watch Periscopes or search YouTube to get his golden nuggets from the event to keep ahead of the trend in Social Media, Entrepreneurship and sales.

From what we can tell even leading up to the Gary Vaynerchuk speaking event at SXSW he has some new themes around business, hustle, and entrepreneurs he has been bringing to the forefront lately and he expressed some of these things again in some of the videos so check them out.

Quick Summary:

  • Snapchat is everywhere and is the new word for “selfie” <meaning can we take a snapchat..?> (similar to when people say “google” it..)
  • Practicality
  • Fake entrepreneurs will be using our job boards soon
  • VR (virtual reality) is way too early
  • Patience
  • Do what you want to do, not what he does.
  • Figure out why you want to do what you think you want to do … first
  • Lonnnnnng Game
  • How you make your money > how much money you make
  • You don’t have to make milli a year to win.. if you do what makes you happy you win

UPDATED! Here is Gary Vaynerchuk’s 2016 SXSW Keynote

People aren’t marketing in the world we live in “day trading attention”

Go where the consumer attention is

Facebook is underpriced

Gary thinks government needs to stop with the bullshit layers and become more entrepreneurial and get shit done “Washington is the worst version of corporate america”

IRL #AskGaryVee show after his SXSW 2016 keynote

Break out app of SXSW is “Fake Entrepreneurship”

Gary Vaynerchuk meets his fans, Have Patience

If we find any other videos we will add to this list and keep it updated for anyone searching Gary Vaynerchuk SXSW 2016 content. Also, if you haven’t bought his new Ask Gary Vee Book click here to get in a day or two from Amazon.

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VaynerMedia Jobs Continue to Grow with New Office at Hudson Yards?

Gary Vaynerchuk has grown VaynerMedia a social media agency that follows the attention of consumers on social & mobile platforms from him and his brother AJ Vaynerchuk to over 500 employees + with offices in San Francisco, Los Angeles, Chattanooga and NY.

As leaked by some publications a year ago or so and by the Wall Street Journal and Gary Vaynerchuk himself they are taking over 88,000 square feet of the Hudson Yards complex and our guess will use this space to continue to have explosive job growth.

If you know anything about Gary Vaynerchuk you know he has an end goal of buying the NY Jets and you can’t scale social media without people, and having a bigger space for more people will help him reach his goal.

One thing you can’t do is sleep on Gary’s business sense, and what we sense is explosive social media job growth and this will be his own incubator of sorts with the infrastructure of people to support clients and to launch and build their own brands.

If we were betting on the over/under of 600 employees and of  VaynerMedia’s continued job growth with this new office we would take the over all day! VaynerMedia jobs are mostly social media related to that’s a positive for the social media industry!

hudson yards

Source: HudsonYardsNewYork.com

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How Kanye West Grows His Net Worth like a Boss

Kanye West is one of the most talked about, searched, and shared artist on the internet and we wanted to show how Kanye West continues to grow net worth (of about $100-$145 million) and possibly make a run for presidency in 2020.

Watch part of his speech on the 2015 VMAs from Complex YouTube

First, let’s cover why we wanted to cover Kanye West’s net worth and write about this interesting matter…

  1. Kanye West came from nothing and is now one of the top artists in the music industry
  2. Jay Z saw something special in Kanye to become a mentor and let him help produce his Blueprint album
  3. Kanye always disrupts the social media and internet space and gets massive attention
  4. Kanye never changes who he is and is still successful at what he does
  5. Kanye growing his empire and net worth is a great example of first doing what you love (job) and how to use social media

If you want to learn more about Kanye West’s bio Biography.com kills it with thier summary. Here is a blurb and you can click here to learn more..

We think they do the best job so no reason for us to repeat all of that here again.

Kanye Omari West was born in Atlanta, Georgia, on June 8, 1977. He left college to pursue a musical career, producing tracks for Jay-Z while polishing his demo. He released The College Dropout in 2004. It sold 2.6 million copies and won Best Rap Album. His follow-up releases have been equally successful and West has become a celebrity famous for his outrageous and entertaining statements

It’s always good to understand where someone comes from and their background because it helps define a person and teaches you about them. Knowing where someone started and where they are now is part of the story. And Kanye’s background makes his growth story and how he built his net worth to an estimated $100 million to $145 million dollars.

kanye west net worth

Live Interview: SHOWstudio. Courtesy of SHOWstudio Youtube

In his story you can see he is was born in Atlanta and grew up in Chicago after his parents divorced when he was 3. He went to high school where his charitable foundation helps kids not drop out of high school in memory of his mother. Again, showing a side of Kanye West people don’t talk about.

However, in his story you can see he persevered towards something he loved and had a passion for (music) no matter the obstacle and drop out of art college to help produce Jay Z’s Blueprint which sold over 400,000 copies (results).

The two things in any success story is doing something you love and have a passion for and can you get results or make money with it!

Another element of how Kanye West grew his net worth is staying in his lane (niche) and NOT CARING ABOUT WHAT ANYONE says to effect who he really is. He might be listening to what people say about him but one thing you will notice Kanye stays Kanye.

Learn more about Kanye West in this two hour live interview with ShowStudio

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