Travel insurance for seniors is a necessary part of every senior’s vacation pre-planning. It’s important for senior citizens to know what countries they are going to visit, what activities they are going to do, and they need to know how long they are going to be away.A comprehensive travel insurance package is just as important as the rest of your travel packet. Your health is always an uncertain issue. You can pick up a nasty disease; you could slip and fall down a flight of stairs, or you could accidentally walk in front of a speeding bus.Travel insurance is a good idea to have it if you are a senior citizen. There are just too many situations that could go wrong for you to take any chances. You don’t want to roll the dice when it comes to your personal health in another country.How to Select the Best Travel Insurance for SeniorsNow that we have established that having travel insurance is a wise decision to make, the next step is how to select the best travel insurance for seniors. Here are some important tips:• Accident and Health Coverage – Probably the most important types of coverage for travel insurance for seniors are Accident and Health. Accidents can happen at any time, so it is nice to know that you are covered under those circumstances. It’s also possible for most of us to maintain good health by eating correctly, exercising, and seeing our doctors for regular check ups. However, seniors are more prone to strokes, heart attacks, and other serious complications because they are older.In addition, if you require hospitalization or emergency care in a foreign country, you could be expected to pay for the treatment upfront if you don’t have any insurance. This might cause some better hospitals to refuse treatment unless they are paid upfront.• Life Insurance – If you already have life insurance, make sure you are still covered if you are in another country. It’s especially important to check if there is a clause for repatriation in case of death while abroad. There are many seniors and other young adults who die while traveling or working in foreign countries each year. Many of their families are left with the responsibilities of having the remains flown back to the U.S. This can be very expensive and stressful at a time of family suffering.• Liability Travel Insurance – This is particularly important for seniors who want to rent cars and drive during their trips. Cars are already dangerous in the U.S. When you drive in another country, you might find yourself in situations where there are fewer rules and regulations on the road, and far more accidents. If you cause an accident, you could be held liable, and that might mean some jail time until you come up with the money for the fine, or until you pay off some family.I know one man, who was stuck in an Indian jail because he struck and killed some farmer’s cow. Cows are sacred in India, and they roam many streets. I know of another situation where a traveler was burning a candle in his bungalow on Koh Samui. He forgot to put it out before he left for a night of partying on the beach. When he returned, his bungalow had been burnt to the ground. He was also put in jail for a few months because he didn’t have any money to help compensate the owner. Liability insurance could have come in handy in his situation, as well.Travel Insurance for Seniors – ConclusionDon’t play Russian Roulette with your health. Make sure you have good travel insurance for seniors before leaving on your upcoming trip.
Digital Marketing: A Contribution Towards Environment
Marketing:
Marketing alludes to the actions of an organization related to purchasing and selling an item or administration. It incorporates publicizing, selling and conveying items to individuals. Individuals who work in organizations’ showcasing offices endeavor to get the consideration of target crowds utilizing mottos, packaging plans, superstar promotions and general media presentation.
There are four variables known as the advertising blend or the four Ps:
Product:
So as to figure out what you ought to offer, you should comprehend your objective, client’s needs and afterward tailor your item to address those issues.
Price:
The cost that you charge will impact the number of offers and the sum sold. On the off chance that you value it too low, it might create the impression that the item is of lower quality or you may basically make too little benefit. Whether you value it too high, clients may purchase fewer things or in little amounts.
Place:
Place alludes to both where you will offer your item and how you will disperse it.
Promotion:
For individuals to purchase your item, they should know about it, have a positive impression of it, and be persuaded that they need it.Digital Marketing:
The advancement of items or brands by means of different types of electronic media. For instance, publicizing mediums that may be utilized as a component of the advanced showcasing system of a business could incorporate limited time endeavors made by means of the Internet, web-based life, cell phones and electronic boards, and by means of computerized and TV and radio channels.
Digital media is pervasive to the point that buyers approach data whenever and wherever they need it. Those days are gone when the information about your product or administrations are delivered by you and people got to know about only those pieces of information which you want them to hear. It is a progressively developing wellspring of news, purchasing or selling and communication. Also, they will probably trust them than you. There is the increase in demand for brands that are trusted by individuals, customized interaction and also personalized offers that are made according to their needs and interest.The 5Ds characterize the open doors for buyers to interface with brands and for organizations to reach and gain from their gatherings of people in various ways:
Digital Gadgets:
Gatherings of people encounter marks as they cooperate with business sites and portable applications commonly through a mix of associated gadgets including cell phones, tablets, workstations, TVs and gaming gadgets.
Digital Platforms:
Most co-operations on these gadgets are through a program or applications from the signifying stages or administrations, that is Facebook (and Instagram), Google (and YouTube), Twitter and LinkedIn.
Digital media:
Distinctive paid, possessed and earned interchanges channels for coming to and connecting with gatherings of people, including promoting, email and informing, web indexes and interpersonal organizations.
Digital Information:
The knowledge organizations gather about their group of user profiles and their associations with organizations, which presently should be ensured by law in many nations.
Digital Innovation:
The showcasing innovation or technology stack that organizations use to make intelligent encounters from sites and portable applications to in-store stands and email battles.Benefits of Digital Marketing:
Most Prominent Form of Marketing:
Digital marketing can possibly change the manner in which you reach and draw in your clients.
Cost-effective:
Digital Marketing gives you a chance to spare your money to a considerable degree. This can possibly replace expensive publicizing stations. You can help your leads with email promoting mechanization. Along these lines, it will enable you to pre-stack substance and schedule it for conveying the content at key circumstances.Most Measurable Form of Marketing:
With conventional marketing, you need to sit tight for quite a long time, now and then even a very long time before the promotions begin to turn up. In this skirmish of conventional versus web-based advertising, web-based promoting wins again attributable to its fast outcomes. By estimating your digital marketing efforts continuously, you can see which strategies are working and which are definitely not. At that point, you can modify your advertisements for more prominent achievement. You can likewise take the bits of knowledge that you’ve picked up from the procedure to enhance future campaigns.
Target Ideal Buyers:
With digital marketing, you can guarantee that the correct customers are seeing your substance. Web optimization enables you to achieve those customers who are hunting the web for content and themes that are important to your business. While pay-per-snap, display, and internet-based life publicizing empowers you to focus on the individuals who are well on the way to be occupied with your items or administrations in light of statistic data and general qualities.
Benefit for Small Businesses:
This introduces an extraordinary open door for independent ventures to associate with potential clients and instruct them amid the starting phases of the purchaser’s excursion. By making pertinent and drawing in content that is upgraded for the web crawlers, you can enhance your visibility on the web and achieve clients when it is most important.
Attract Customers:
Digital marketing encourages you to achieve these connected users. In addition to the fact that you are ready to distribute and advance one of a kind content on these social locales, but on the other hand you’re ready to achieve purchasers through promoting. Web-based platforms like Facebook offer modern focusing on choices that assist you to achieve the customers who are well on the way to be occupied with your items or administrations.
Higher Engagement:
By improving your webpage content for the web indexes, you can work to achieve more purchasers on the web. Utilizing important keywords that assists portray your item or administration offerings can enable you to convey more focused traffic to your site, which expands transformations after some time.
Connect with Mobile Users:
Having a predominant online presence that is upgraded for cell phone and tablet clients can impact purchasing conduct. The vast majority of versatile searchers utilize their mobiles to keep an eye on forthcoming in-store buys, and about every one of them searches for the most applicable data to their inquiries. Some of the versatile clients have bought from an unexpected brand in comparison to the one they had as a main priority in view of the data recorded.
Analyze and Adapt Easily:
Since digital marketing gives genuine, convenient information, you can watch and adjust to the patterns and the activities that genuine individuals are taking. You don’t need to depend on, an example, informational index or make any informed speculations – design, execute and adjust in a hurry in view of genuine execution information.
Make Business More Competitive:
Digital marketing is the manner by which organizations are working now and will keep on working later on. On the off chance that your business isn’t as of now in the digital marketing division, at that point you’re behind. Guarantee your business is aggressive by utilizing a savvy digital marketing procedure.
Contribution towards Environment:
Traditional marketing utilizes a large number of papers for their promotions. For example, for hoardings, advertisement in newspapers, pamphlets only paper is utilized. And this had a negative impact on the environment. On the other hand, digital marketing promotes any product or services through social media or emails.
The sole advantage of diminishing paper utilization is sparing the world. The climatic changes we are seeing at this level will be decreased at a more noteworthy rate. The fundamental favorable advantage is picked up by nature.
Not just our condition can profit by the decrease of paper utilization, yet we can likewise pick up focal points, for example, sparing money. When you will utilize less paper then, you won’t need to purchase more papers. You will spare your cash in general. Firstly, your paper expenses will diminish, then your printing expenses will likewise diminish. You should comprehend that every one of these things is interrelated.
Paper utilization in numerous parts of the word is on the ascent. Extending generation and pulpwood gathering undermines a portion of the final regular timberlands and the general population and natural life that rely upon them. The increased use of digital marketing altogether adds to environmental change.
Dreamworth Solutions:
So, if you want to make your contribution towards the environment, choose digital marketing over traditional marketing. One of the best Digital marketing service provider in Pune is Dreamworth Solutions. They have a significant involvement in digital marketing taking care of nearby, local, national and global customers from various foundations. Be it any kind of business, they extremely surely know the necessities and prerequisites of each sort and work likewise to enable you to accomplish more noteworthy statures.
Being an IT organization, they guarantee experienced, proficient group endeavors, develop every opportunity to influence you to emerge from the center. They are additionally dynamic in digital marketing from Business to Business organizations. They make companies figure out how Business to Business organizations can do digital marketing to extend their work in the market. They come out as one of the leading SEO services provider in Pune, who are known to deliver the required results every time.
Dreamworth Solutions is one of the best digital marketing companies in Pune. They value their customers and believe in on-time delivery of their services.
For details visit website: https://www.dreamworth.in
Email-ID: [email protected]
Phone: 086056 97774
5 Principles To Ensure Your Business Grows
Every business owner wants to see their business grow beyond its current position and it doesn’t matter if you’re thinking of starting a business, have been in operation for less than five years, or you have an established business. But growing a business is not easy, if it was then 80% of business start ups would not go out of business each year, and the remaining 50% would survive beyond five years. So what can you do to grow your business? This special report looks at five key areas you need to focus on to ensure your business grows along with specific action points.
Principle # 1 having a clear vision
Many times when I ask business owners (and particularly new business owners) what they want to achieve with – where do they want to take – their business in the next 5 years, along with asking them what profit margins do they want to achieve and What markets do they want to get into?, they are unable to tell me the answer.
When you come to plan business growth, or even start a new business, one important question needs to be asked? Why do you want to grow your business (and please don’t just say ‘to make more money.’) What is it you want to get from it? What is your outcome? What do you want to achieve from it?
An architect doesn’t say to a builder “Place some bricks over there. Build a wall so high here. Maybe a window this big there” They begin with the end in mind. The architect knows what size the building needs to be, what supports, joists, levels of foundations are needed. They know what materials are needed to get the job done, and how much it will cost and how long it will take. They have clarity as to what they want to achieve. It’s the same in business.
The clearer you are about what it is you want to achieve with your business, when you want to achieve it and what you are going to do to achieve it, the easier it will be to achieve and the quicker you will able to achieve it.
Why not try the following experiment to understand this principle.
Make sure you are in a room with lots of space and stand in the middle of the room away from anything you can bump into. Pick a point on the wall in front of you. This point is going to represent your business’s future. Then you will need to close your eyes and spin around five times. Finally without opening your eyes point to the spot on the wall that was depicting your business’s future. When you think you are pointing to it, open your eyes and see how you did.
How did you do? Did you point to your businesses future?
OK I know it’s a silly game but you would have got the principle behind it. So many business owners spend their time moving around with ‘their eyes shut’ thinking they know where their business’s future is when unfortunately they don’t know at all, far from it.
Before moving on to the next principles please take a few moments to write down in a note pad or on a piece of paper that you can keep safe, the following question. ‘Where do I want this business to be in 5 years time?’ Then write out your answer making it as clear and concise as possible, because this is going to be the starting point for you to build your business the way you truly want.
Principle # 2 moving from point A to point B
In principle one I talked about the importance of knowing where you want to end up. In this principle I want to talk about how to get there.
If I were to ask you what is the shortest and most direct route from point A to point B? You would more than likely answer; ‘a straight line!’ After all everyone knows that from learning geometry in school. Yet so many business owners I come across who want to grow their business go in every direction but the most obvious and simplest one, a straight line.
A great example of this is a new business owner I met once who told me that he was going to set up a graphic design company helping new businesses to create their branding. Great I thought he knows exactly where he is going. The problem was he started getting involved in so many other things too. He began providing web design, organising printing jobs, and then adding photography as well. In fact he started doing everything but graphic design. He was like the motorist who wanted to go from London to Leeds (obvious route straight up the M1) but went via Southampton, Bristol, Birmingham and Manchester first.
If you are going to be a Graphic Designer, be a Graphic Designer. Be a good one then maybe once you have reached your destination add extra things then, not the other way round.
If you decide that to grow your business you need to do a specific task, think about what is the easiest and shortest, most direct way of doing it. Then stick to it, don’t deviate, divert, get distracted or add other things.
Another thing I commonly see with business owners (especially new business owners) is the urge to not take the simple route. It probably is great to come up with a completely new way of doing something, but to be honest by the time you have created a new fuel injected, glittery, all singing all dancing way of doing it, you could have done the simple thing and taken the most direct route.
Take your note book or piece of paper that you wrote your five year vision on and now underneath that write out how you are going to get there. This is going to take you some time but it is important to ensure that before you start on your journey you know where you are going. Remember the straighter and more direct the route, the better.
Principle # 3 focus your attention
Have you had the same experience as me when it comes to the day before you go away on holiday? You’re at work and you have stacks of jobs still outstanding on your desk. It can be filing, invoices to send out, accounts to pay, it doesn’t matter what the jobs are that still need doing; the point is you actually get them all done! Why is that? They have been sat there for ages then suddenly the day before you go away on holiday you get them all completed. That’s amazing isn’t it? No! That is what is known as focused attention?
One of the main reasons why businesses fail to grow, and in particular new businesses fail to survive, is because the business owner will do everything else but focus their attention on their business.
I had a client who recently called me in a panic. They are an Estate agent and their sales had suddenly begun to dry up. They weren’t selling their properties like they used to. When I sat down with them it came apparent why their sales had dried up when I asked them the question, ‘Talk me through a typical day’
They told me about all the paperwork they had to do, the filing that needed doing, the advertising that had to be sorted out and so on and so on. Not once did they mention the viewings they need to arrange or the actual selling of property they needed to do. Why not? Because their attention was focused on everything else but the actual thing they were there for; selling houses. As soon as they redirected their focus, sales began to rise.
New business owners do this all the time. They spend time sorting out their new office, getting the furniture all straight and correct. They focus on getting their letter head right and their paper work systems in order. They focus on anything and everything except the most important thing to insure their survival… getting customers!
Why is Tiger Woods so successful at golf? Quite simply, he focuses his attention on being the best. He doesn’t worry about or waste time designing golf courses. He isn’t putting all his attention into opening golf academies. When he is not hitting a ball 400 yards he is practising hitting it 400 yards. When he is not winning tournaments with great short game play, he is practising his short game play so he does win tournaments that way. It is because of his focused attention that he has been #1 in the golf rankings for such a long time now, winning more tournaments than any current player and the reason why he was the #1 highest paid sports star in 2006, earning a massive $100 million.
Now that you have written down where you want to be in five years time and then followed it up by planning the most direct route to get there, I want you to write down the key areas you believe you need to focus on to ensure you get there in five years or less. What areas do you need to really focus your attention? What will need the most attention? Once you have written them down, keep referring to them to ensure you are not deviating from them and getting off track.
Principle # 4 who do you do business with?
This may seem like an obvious question to you, but you would be surprised to discover that many businesses that fail to grow do so because they have forgotten who they do business with.
I knew of a very successful business that went from start up to one of the fastest growing and most successful businesses in the whole of the UK, all within 2 years. Within 4 years it went into administration.
The main reason why the company went into administration was a simply one. It grew so fast in the first place because they had a unique service that none of their competition provided. What’s more there was a need for it, but only in a particular market place. The company wanted to expand by moving into market areas where they were unknown. The problem was the company had lost sight of what made them successful in the first place and stopped focusing on the service that gave them that success. They tried to be a player in a market place unfamiliar to them. The company had a number of outlets located in different towns across the region and before long the previously successful outlets had to increase their performance to support the new ones who were not doing so well. Eventually because these new outlets were not being successful, the existing ones could no longer support them, and the company had to call in the administrators.
It costs 6 times more to generate new clients than it does to service and keep selling to the ones you already have. So let me ask you – Who are your clients? Who is providing you with your revenue? If you don’t know exactly, you need to find out because not only is it more cost effective but 80% of your revenue will come from around 20% of your customers, those that have bought from you in the past. So as long as you have provided them with a good service in the past they will buy from you again. If you are bringing out a new product or service, tell them about it, get them to buy it from you. Don’t make the mistake of looking for new clients when you have them already at your door step.
In your book / on your piece of paper write out a list of your top 20 – 50 customers. The ones you deal with the most and who buy from you the most. Once you know who they are then you can focus your attention on having them buy from you again and again.
Principle # 5 who can help you?
The most successful businesses and those business owners, who know how to build a successful business, know the power of leverage.
There are three main sources we use in business:
o Time
o Money
o Energy
Each one of these sources if we use them personally, are a drain on both our business and ourselves. Think about it for a moment. Business’s that fail to grow do so because they are wasting either time, money, or energy and in the worst case, all three. If you are a one man operation are you wasting time and energy doing the filing, accounts, invoices, bills, orders etc? If you employ staff are they wasting time and energy by focusing on things that are not important, or to put it as principle # 3 says, not focusing their attention. Is the job or task you are currently doing really important? Can it be done later or if you really tap into leverage, can someone else be doing it? Can you be using someone else’s time, money or energy?
In you note book / on your piece of paper Write out all the tasks you currently do daily in you business and ask the following questions about each task.
o Is it going to eventually save me time or am I wasting time?
o Will I be making money doing this task or wasting money?
o Can only I do this task or can I pass it on to someone else?
For your business to really truly grow you need to learn to tap into OPT, OPM and OPE:
Other Peoples Time,
Other Peoples Money
Other Peoples Energy.
Those who do this successfully are seeing not only their business grow, and their profits increase, but as a result they have more time, more money and more energy to do the things they really want, be it in business or in their private life.
By going through these five principles and working on the task I set you on each one, you have begun to create a plan that will help you work towards growing your business. You can also visit [http://www.yourbusinessgrowthcoach.com] and try our 10 Day Business Boost programme to begin boosting your profits immediately – ITS FREE – plus if you would like to discuss how as Your Business Growth Coach I can help you and your business in other ways, call me on 0800 2982910 to discuss further.
Naithan Tarrant is owner of Your Business Growth Coach. Naithan has been involved in Business Marketing and growth, along with personal development and life coaching since 1994. He is an accredited Life Coach, an Executive & Corporate coach, plus an accredited Guerrilla Marketing Coach, along with a Master Practitioner of NLP, and a business owner. He is also a member of Toastmasters International.