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1. Photo of ka9taw
Paul Mooney: Time to rethink the Lotus Notes front end?
http://edbrill.com/ ebrill/ edbrill.nsf/ dx/ new-job-day-3-a-stake-in-the-ground
Permanent Link Location: Highland Park, IL USA New job day 3: ... up to. Put simply, the function of my new team is product management. We worry about the overall ... .
15 minutes ago by ka9taw in Ed Brill · Authority: 210
2. Photo of Finbar
THE FINTAG NEWSLETTER @ 09 October 2008
http://fintag.com/ archive/ 2008/ 10/ 09/
[ ]FINTAG COMMENT Phew! At last these "once in a lifetime events" are becoming so regular that I am able to sleep better than usual. The British now have one of the highest tax burdens in the world, the streets around the Bank of England have more journalists than city workers and market volatility
1 hour ago by Finbar in FiNTAG: Hedge Funds: Daily News: Gossip: Predictions: Opinions · Authority: 65
3.
View all »
Videos about marketing management
1. Master of Marketing Management in Bern (www.imu.unibe.ch)
2. USQ School of Management and Marketing
3. marketing management software business marketing small
4. Keynote Speaker: Futurist Patrick Dixon - industry trends - management, marketing, customers, lifestyles, motivation, change management and leadership development. Corporate event keynote speaker: video and slides.
4. Photo of BernieTyrol
DMI Review: Unleashing the Power of Design Thinking at IBM
http://www.customer-experience-labs.com/ 2008/ 10/ 09/ dmi-review-unleashing-the…
image The Design Management Institute has just published an article titled "Unleashing the ... Strategist for IBM Corporate Marketing and Communications. While the magazine is fully accessible ...
NOTE: IBM IS ONE OF THE TOP COMPANY IN MARKETING AND COMMUNICATIONS.
1 hour ago by BernieTyrol in The Customer Experience Labs | design.remarkable.experience · Authority: 25
5. No one has claimed this blog
CMS at a crossroads
http://digitalassetmanagementorguk.wordpress.com/ 2008/ 10/ 09/ cms-at-a-crossro…
What Next for Web CMS Vendors? by Kasman Thomas 09-Oct-2008 In research for the Web CMS Report ... in new markets based on some combination of product features and marketing strategy ...
1 hour ago in digital asset management weblog · Authority: 21
6. Photo of deadpresident
Idea Cellular - Annual Report - 2007-2008
http://deadpresident.blogspot.com/ 2008/ 10/ idea-cellular-annual-report-2007-20…
IDEA CELLULAR LIMITED ANNUAL REPORT 2007-2008 DIRECTORS' REPORT Dear Shareholders, The Directors are pleased to present their Thirteenth Annual Report together with the Audited Accounts of your Company for the financial year ended March 31, 2008.
1 hour ago by deadpresident in Dead Presidents! - India Equity Research · Authority: 30
7. Photo of deadpresident
Polaris Software - Annual Report - 2007-2008
http://deadpresident.blogspot.com/ 2008/ 10/ polaris-software-annual-report-2007…
POLARIS SOFTWARE LAB LIMITED ANNUAL REPORT 2007-2008 DIRECTOR'S REPORT To the Members, Your Directors have great pleasure in presenting the Fifteenth Annual Report together with the Audited Statements of Accounts for the year ended March 31, 2008. 1. Financial Results a.
1 hour ago by deadpresident in Dead Presidents! - India Equity Research · Authority: 30
8. Photo of deadpresident
Geodesic - Annual Director's Report - 2007-2008
http://deadpresident.blogspot.com/ 2008/ 10/ geodesic-annual-directors-report-20…
GEODESIC INFORMATION SYSTEMS LIMITED ANNUAL REPORT 2007-2008 DIRECTOR'S REPORT To, ... has been recorded at 12.09%. Your management made all efforts to keep its promise of increasing revenues
1 hour ago by deadpresident in Dead Presidents! - India Equity Research · Authority: 30
9. Photo of gswann
Will Mortgage Brokers Be the Hope For Homeowners?
http://www.bloodhoundrealty.com/ BloodhoundBlog/ ?p=4858
The FHA Hope For Homeowners program was designed for existing homeowners, struggling with mortgage payments and an "upside-down" equity position in their primary residence. It is a new program with lots of misinformation. Some believe it can only be offered by existing loan servicers, some think
1 hour ago by gswann in BloodhoundBlog: National real estate marketing and technology blog | Realtors and real estate, mortgages, lending, investments · Authority: 1,338
10. No one has claimed this blog
How a Degree in the Culinary Arts will Give You the Edge
http://www.betteronlineeducation.com/ / how-a-degree-in-the-culinary-arts-will-g…
Find the Best Online Colleges Universities at BetterOnlineEducation ... of the food industry, so you can expect some in-depth tuition on business management and running IT programs such as CRM (customer relationship management) and
1 hour ago in Best Online Colleges, Best Online Universities, Top Online College Review, APA Approved Accredited Programs · Authority: 25
11. Photo of techlime
Acer Aspire Wimax Notebooks: 6930-6771 & 4930-6862
http://techlime.com/ laptops-desktop-tablet-pc/ acer-aspire-wimax-notebooks-6930…
Acer have taken the wraps off of their WiMAX-integrated notebooks, designed to work with Sprint's new XOHM network. The tiresomely-named Aspire 4930-6862 and Aspire 6930-6771 both integrate Intel's new WiMAX/WiFi Link 5050 module for Centrino 2 notebooks, promising average downlink speeds of 2-4
1 hour ago by techlime in TechLime | Mobiles, Graphic Cards, CPU, Cameras, LCD Tvs, Gaming, GPS, Handhelds, HDTV, Laptops, Storage, etc. · Authority: 75
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12,904 RESULTS FOR MUTUAL FUND
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1. No one has claimed this blog
The Fall of the Bond Markets
http://money-advice-guide.org/ 2008/ 10/ 09/ the-fall-of-the-bond-markets/
The Fall of the Bond Markets The current question that is being asked in the stock is why is the bond market selling off. While there is a number of excuses there are real reasons this is occurring. First and foremost there are more seller than buyers.
NOTE:PLUNGE IN THE STOCKMARKET AFFECTED THE BOND MARKET.
48 minutes ago in Money Advice Guide · Authority: 15
2. Photo of Finbar
THE FINTAG NEWSLETTER @ 09 October 2008
http://fintag.com/ archive/ 2008/ 10/ 09/
[ ]FINTAG COMMENT Phew! At last these "once in a lifetime events" ... on dire warnings by the International Monetary Fund. The UK Government sought to bolster Britain's
1 hour ago by Finbar in FiNTAG: Hedge Funds: Daily News: Gossip: Predictions: Opinions · Authority: 65
3.
View all »
Videos about mutual fund
1. 20. Mutual Funds 1: What is a Mutual Fund?
2. 21. Mutual Funds 2: Types of Mutual Funds
3. Mutual fund company deal
4. Very funny Indian ad for HDFC Mutual fund
4. No one has claimed this blog
Too 'SMALL' To Fail!!!
http://howardlindzon.com/ ?p=3878
There is panic people. You can choose to Panic or you can do as I do everyday and repeat after ... such massive damage (the IBD mutual fund index is down 40 freaking percent this year). This is a once
1 hour ago in Howard Lindzon · Authority: 250
5. No one has claimed this blog
Why the Wall Street bail out plan is bad-5: Rewarding greed
http://wp02.miomia.net/ wp02/ 2008/ 23466.html
In this next-to-last post in this series (but probably not on this topic), I want to look at how senior Wall Street executives saw their profession as some sort of game in which the goal was to extract more personal benefit than the next executive, leading to a leap-frogging of various forms of
2 hours ago in Mortgage Information · Authority: 106
6. Photo of QualityStocks
USA Truck Inc. (USAK): King of the Road, Royalty for Your Portfolio?
http://Blog.QualityStocks.net/ ?p=12832
USA Truck (USAK) offers truckload freight services to various industries, ... own 31 percent of USA Truck's shares while 40 institutions control another 57 percent. Mutual fund
2 hours ago by QualityStocks in The Quality Stocks Stock Newsletter For Smallcap Companies Blog · Authority: 41
7. No one has claimed this blog
Say it with me: Money market mutual funds are not insured
http://www.usatoday.com/ money/ perfi/ columnist/ krantz/ 2008-10-09-money-marke…
Q: I thought money market funds were safe. So, why am I losing 3% of my money on The Reserve Primary Fund?
3 hours ago in Money News: Financial, Economy, Stock Market & Real Estate Stories - USATODAY.com · Authority: 30
8. No one has claimed this blog
Say it with me: Money market mutual funds are not insured
http://money.com.hr/ say-it-with-me-money-market-mutual-funds-are-not-insured/
Q: I thought money market funds were safe. So, why am I losing 3% of my money on The Reserve Primary Fund?
3 hours ago in Money, Insurance, Mortgage, Investment · Authority: 20
9. No one has claimed this blog
Obama Lying Again
http://robertd.wordpress.com/ 2008/ 10/ 08/ obama-lying-again/
From the McCain Campaign via Fox's Urgent Que. You get to read it here first! Of course the McCain people won't say B. Hussein Obama lied, that was me. I say, watch the video and read the facts. He Lied!
NOTE: MCCAIN IS A U.S. PRESIDENTIAL CANDIDATE.
3 hours ago in Bob's Bites · Authority: 25
10. Photo of MarathonPundit
Friends of Barack update: Obama still not telling all about his relationship with Ayers
http://marathonpundit.blogspot.com/ 2008/ 10/ obama-still-not-telling-all-on-his…
Barack Obama is still not telling everything he knows about his relationship with unreptentant terrorist Bill "Bomber" Ayers. Or for that matter, Ayers' wife Bernardin Dohrn. In his interview on on Hannity & Colmes I saw two hours ago, John McCain said something along the lines that during their
3 hours ago by MarathonPundit in Marathon Pundit · Authority: 240
11. No one has claimed this blog
Four Mutual Fund Giants Join Guaranty Plan
http://www.wp.elo.pl/ four-mutual-fund-giants-join-guaranty-plan-3/ 09/ 10/ 2008…
The new federal program aimed at restoring confidence in the nation's money market funds was joined by four of the nation's best-known mutual fund companies.
3 hours ago in My very new news blog · Authority: 24
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About / rising and falling
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1. No one has claimed this blog
The Fall of the Bond Markets
http://money-advice-guide.org/ 2008/ 10/ 09/ the-fall-of-the-bond-markets/
The Fall of the Bond Markets The current question that is being asked in the stock is why is the bond market selling off. While there is a number of excuses there are real reasons this is occurring. First and foremost there are more seller than buyers.
NOTE:PLUNGE IN THE STOCKMARKET AFFECTED THE BOND MARKET.
48 minutes ago in Money Advice Guide · Authority: 15
2. Photo of Finbar
THE FINTAG NEWSLETTER @ 09 October 2008
http://fintag.com/ archive/ 2008/ 10/ 09/
[ ]FINTAG COMMENT Phew! At last these "once in a lifetime events" ... on dire warnings by the International Monetary Fund. The UK Government sought to bolster Britain's
1 hour ago by Finbar in FiNTAG: Hedge Funds: Daily News: Gossip: Predictions: Opinions · Authority: 65
3.
View all »
Videos about mutual fund
1. 20. Mutual Funds 1: What is a Mutual Fund?
2. 21. Mutual Funds 2: Types of Mutual Funds
3. Mutual fund company deal
4. Very funny Indian ad for HDFC Mutual fund
4. No one has claimed this blog
Too 'SMALL' To Fail!!!
http://howardlindzon.com/ ?p=3878
There is panic people. You can choose to Panic or you can do as I do everyday and repeat after ... such massive damage (the IBD mutual fund index is down 40 freaking percent this year). This is a once
1 hour ago in Howard Lindzon · Authority: 250
5. No one has claimed this blog
Why the Wall Street bail out plan is bad-5: Rewarding greed
http://wp02.miomia.net/ wp02/ 2008/ 23466.html
In this next-to-last post in this series (but probably not on this topic), I want to look at how senior Wall Street executives saw their profession as some sort of game in which the goal was to extract more personal benefit than the next executive, leading to a leap-frogging of various forms of
2 hours ago in Mortgage Information · Authority: 106
6. Photo of QualityStocks
USA Truck Inc. (USAK): King of the Road, Royalty for Your Portfolio?
http://Blog.QualityStocks.net/ ?p=12832
USA Truck (USAK) offers truckload freight services to various industries, ... own 31 percent of USA Truck's shares while 40 institutions control another 57 percent. Mutual fund
2 hours ago by QualityStocks in The Quality Stocks Stock Newsletter For Smallcap Companies Blog · Authority: 41
7. No one has claimed this blog
Say it with me: Money market mutual funds are not insured
http://www.usatoday.com/ money/ perfi/ columnist/ krantz/ 2008-10-09-money-marke…
Q: I thought money market funds were safe. So, why am I losing 3% of my money on The Reserve Primary Fund?
3 hours ago in Money News: Financial, Economy, Stock Market & Real Estate Stories - USATODAY.com · Authority: 30
8. No one has claimed this blog
Say it with me: Money market mutual funds are not insured
http://money.com.hr/ say-it-with-me-money-market-mutual-funds-are-not-insured/
Q: I thought money market funds were safe. So, why am I losing 3% of my money on The Reserve Primary Fund?
3 hours ago in Money, Insurance, Mortgage, Investment · Authority: 20
9. No one has claimed this blog
Obama Lying Again
http://robertd.wordpress.com/ 2008/ 10/ 08/ obama-lying-again/
From the McCain Campaign via Fox's Urgent Que. You get to read it here first! Of course the McCain people won't say B. Hussein Obama lied, that was me. I say, watch the video and read the facts. He Lied!
NOTE: MCCAIN IS A U.S. PRESIDENTIAL CANDIDATE.
3 hours ago in Bob's Bites · Authority: 25
10. Photo of MarathonPundit
Friends of Barack update: Obama still not telling all about his relationship with Ayers
http://marathonpundit.blogspot.com/ 2008/ 10/ obama-still-not-telling-all-on-his…
Barack Obama is still not telling everything he knows about his relationship with unreptentant terrorist Bill "Bomber" Ayers. Or for that matter, Ayers' wife Bernardin Dohrn. In his interview on on Hannity & Colmes I saw two hours ago, John McCain said something along the lines that during their
3 hours ago by MarathonPundit in Marathon Pundit · Authority: 240
11. No one has claimed this blog
Four Mutual Fund Giants Join Guaranty Plan
http://www.wp.elo.pl/ four-mutual-fund-giants-join-guaranty-plan-3/ 09/ 10/ 2008…
The new federal program aimed at restoring confidence in the nation's money market funds was joined by four of the nation's best-known mutual fund companies.
3 hours ago in My very new news blog · Authority: 24
1. 1
2. 2
3. 3
4. 4
5. 5
6. 6
7. 7
8. next »
Rising and falling in Finance
Technorati data powered by Truviso
1. amex
2. bankruptcy
3. cd
4. cfr
5. corporate
6. credit
7. credit cards
8. debt
9. earnings
10. federal reserve
11. financial
12. financial goals
13. garmin
14. gold
15. housing
16. housing market
17. inflation
18. insurance
19. ipo
20. nasdaq
21. options
22. saving money
23. stock market
24. stock quotes
25. tax
About / rising and falling
Find posts and stories that have something in common using this weighted list of phrases, where popularity is represented by size. Learn more...
Ads by Google
* Invest Your Money HereSafe High Yield Investment Program
Get High Profit & Commission Today.www.NewsMaxInvesting.com
* Make Money Online HereFair Investments!
Safe - Profitable Online Investmentwww.makeprofits24hrs.biz
* Mutual FundFind the Right Mutual Funds
2,000 Reports - Free 14 Day Trialwww.morningstar.com
* Bank IncomeMake money from home Business.
More money income at homewww.BankIncomes.com
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Thursday, October 16, 2008
OLDER AUSTRALIANS TOLD TO MOVE ON
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Older Australians told to move on
http://topnews.in/ older-australians-told-move-274413
Older Australians told to move on Submitted by Sahil Nagpal on Thu, 10/09/2008 - 03:22. Lifestyle Australia Sydney - Retired couple Lyn Gardiner and Rob Gay are selling their Melbourne home, buying a camper van and joining the tens of thousands of older Australians perpetually on tour in the wide brown land. It's a lifestyle change that warms the heart of sociologist Bruce Bradbury of the University of New South Wales in Sydney. His research shows that lots of pensioners have little money in the bank but are living in houses worth a fortune.
NOTE: BRADBURY IS A RESPECTED SOCIOLOGIST.
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Older Australians told to move on
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Older Australians told to move on Submitted by Sahil Nagpal on Thu, 10/09/2008 - 03:22. Lifestyle Australia Sydney - Retired couple Lyn Gardiner and Rob Gay are selling their Melbourne home, buying a camper van and joining the tens of thousands of older Australians perpetually on tour in the wide brown land. It's a lifestyle change that warms the heart of sociologist Bruce Bradbury of the University of New South Wales in Sydney. His research shows that lots of pensioners have little money in the bank but are living in houses worth a fortune.
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Saturday, August 9, 2008
SMARTCARD MARKETING SYSTEMS INC. MERCHANT KIYSS.COM INITIATES ROLLOUT OF PAYROLL....
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IndicesName Price Change %CHG YTD
DJIA 11431.43 -224.64 -1.93% -13.46
Nasdaq 2355.73 -22.64 -0.95% -12.16
S&P 500 1266.06 -23.13 -1.79% -6.63
FOX 50 901.36 -12.58 -1.38% -
Top Stock GainersSymbol Price Change %CHG Vol
NOBL 5.40 2.21 69.28% 810887
PMRY 4.94 1.31 36.09% 79689
ATHX 3.22 0.82 34.17% 10133
HAYN 53.44 10.05 23.16% 786761
SUSS 14.83 2.77 22.97% 122677
See Next 5
Most Searched SymbolsSYMBOL
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$INDU
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GM
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F
C
AIG
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Recommended StoriesClinton vs. Obama - FOXBusiness.com Cavuto: The Rate That Suddenly Mattered - FOX... Oil Jumps as Greenback Falls - FOXBusiness.co... Cavuto: Who's to Blame for High Oil Prices? -... U.S. Mortgage Foreclosures Reach Record High ... GM Announces Plant Closures; Possible Sale of... Boeing Wins Tanker Contract Protest - FOXBusi... Vodafone Confirms Verizon in Talks to Buy All... Word of the DayISM Numbers
This report, from the Institute for Supply Management, is among the most-watched economic surveys by stock and bond traders because a) it is one of the first to come out each month, b) it is a great gauge of the U.S. economic health, c) it has been a consistent measure for decades, and d) is from the private sector, so the government can't manipulate the numbers.
The ISM Report on Business grew from a small-scale survey in 1931 to a snapshot that encompasses more than 300 companies in a wide range of industries. The ISM polls business managers, asking them to evaluate changes in factors like production, new orders, inventories and prices and contrasts them with their answers from the previous month. Then, the answers are crunched and spit out as an index. If the number comes in north of 50, it suggests the economy is expanding (a good sign). Under that level, and it's shrinking (not so good).
Traders love this report because it usually sets the tone for all the other data that is released each month. (Only the monthly federal Employment Situation report tends to have as much impact on the markets.) Sometimes, its components are more important than the whole. If stock and bond traders are worried about inflation, they'll look at what the survey said about the prices companies are paying for goods and the wages they're paying their workers to see signs that prices might be rising.
The ISM figures originally tracked just manufacturing data, but the group started polling service industries in the 1990s. That report, though, doesn't have the same market punch as the manufacturing numbers, but could as the service economy continues to grow in the U.S.
We end on a historical note: For years, the ISM numbers were actually known as "napalm," because the ISM used to be the National Association of Purchasing Managers. But many in the market (and in the organization itself) weren't keen on being associated with a Vietnam-era weapon.
Home / Markets / Industries / Finance
Thursday, August 07, 2008
SmartCard Marketing Systems Inc. (PINKSHEETS: SMKG) Merchant Kiyss.com Initiates Rollout of Payroll to Aboriginal Territories in North America
Recommend Email this Story | Respond to Editor | Print
SEND ComtexDigg It StumbleUpon Newsvine Reddit SAN ANTONIO, TEXAS, Aug 07, 2008 (MARKET WIRE via COMTEX) ----As Stated by SmartCard Marketing Systems Inc. (PINKSHEETS: SMKG) "Management is pleased to announce Kiyss.com Management has initiated payroll services to its customers through the Velocitymoney.com platform and Pre-paid MasterCard(R: 66.89, -0.90, -1.32%) in US and Canadian Denominations. The opportunity between management of both companies is continuing to bring in significant business as Kiyss.com markets is financial products and services in the Aboriginal Territories.
NOTE: VELOCITYMONEY.COM IS WELL KNOWN AND MOST USED BY BIG COMPANIES,
Velocitymoney.com has become an important part of the migration from traditional cash payroll services in the Aboriginal Territories to a secure and efficient payroll on Prepaid MasterCard(R: 66.89, -0.90, -1.32%) creating a transition to consumer retail P.I.N Debit and Signature transactions allowing for easy access to Purchases online, Travel Bookings and Money Remittance to family members domestically and Internationally. The initial rollout of services will be in Kahnawake Quebec and Akwesasne New York with an existing 4 businesses (60 employees) subscribed."
We seek safe harbor.
Contacts: SmartCard Marketing Systems Inc. Max Barone CEO 1-866-774-2555 maxbarone@gosmartcard.com
Kiyss.com for Aboriginal Inquiries Pat Nolan Jr. 1-450-635-4774 SOURCE: SmartCard Marketing Systems Inc.
mailto:maxbarone@gosmartcard.com
Copyright 2008 Market Wire, All rights reserved.People also read...
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Market Snapshot
Indices Movers Loan Center
DJIA
-224.64
11431.43
Nasdaq
-22.64
2355.73
S&P 500
-23.13
1266.06
FOX 50
-12.58
901.36
Symbol Last Price Netchange Volume
S 7.79 0.45 298.38M
SPY 127.01 -1.92 246.30M
XLF 21.21 -1.10 188.98M
AIG 23.84 -5.25 154.97M
QQQQ 46.27 -0.36 152.79M
See Next 5 >
Most Read / Emailed & BlogsMost Read Most Emailed Blog Listing Dow Plunges 225, Drowns in Sea of Bad News
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Finally...A Little Relief at the Pump
Jobless Claims Surge to 6-Year High
Madden Forced to Do Quick Jersey Change
Gas Prices Could Fall To $2 If Congress Acts, Analysts Say
Oil Jumps to Nearly $120 on Geopolitical Concerns
ROTOZIP(R) Duracut(TM) Bit Helps Phoenix Lander Collect Valuable Martian Soil Samples
July Retail Sales Struggle as Tax Rebate Cash Ends
Soaring Inflation Pinches Small Business Owners
The Digital Pen That Will Change How You Take Notes
Pending Home Sales Jump 5.3% in June
Jobless Claims Surge to 6-Year High
Madden Forced to Do Quick Jersey Change
Citi Reaches Settlement Over Securities Probe
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Lexus Tops Vehicle Dependability Study for 14th Year
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Soaring Inflation Pinches Small Business Owners
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Institutional speculators are taking profits after wildly inflating prices of oil, corn, gold
Succeeding under constraints.
Check Out Line: Rebates run out of steam
Hitachi Debt-High, Cash-Strapped
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IndicesName Price Change %CHG YTD
DJIA 11431.43 -224.64 -1.93% -13.46
Nasdaq 2355.73 -22.64 -0.95% -12.16
S&P 500 1266.06 -23.13 -1.79% -6.63
FOX 50 901.36 -12.58 -1.38% -
Top Stock GainersSymbol Price Change %CHG Vol
NOBL 5.40 2.21 69.28% 810887
PMRY 4.94 1.31 36.09% 79689
ATHX 3.22 0.82 34.17% 10133
HAYN 53.44 10.05 23.16% 786761
SUSS 14.83 2.77 22.97% 122677
See Next 5
Most Searched SymbolsSYMBOL
OIL
$INDU
GE
BAC
WB
GM
XOM
F
C
AIG
SIRI
AAPL
IBM
WM
CSCO
WMT
Recommended StoriesClinton vs. Obama - FOXBusiness.com Cavuto: The Rate That Suddenly Mattered - FOX... Oil Jumps as Greenback Falls - FOXBusiness.co... Cavuto: Who's to Blame for High Oil Prices? -... U.S. Mortgage Foreclosures Reach Record High ... GM Announces Plant Closures; Possible Sale of... Boeing Wins Tanker Contract Protest - FOXBusi... Vodafone Confirms Verizon in Talks to Buy All... Word of the DayISM Numbers
This report, from the Institute for Supply Management, is among the most-watched economic surveys by stock and bond traders because a) it is one of the first to come out each month, b) it is a great gauge of the U.S. economic health, c) it has been a consistent measure for decades, and d) is from the private sector, so the government can't manipulate the numbers.
The ISM Report on Business grew from a small-scale survey in 1931 to a snapshot that encompasses more than 300 companies in a wide range of industries. The ISM polls business managers, asking them to evaluate changes in factors like production, new orders, inventories and prices and contrasts them with their answers from the previous month. Then, the answers are crunched and spit out as an index. If the number comes in north of 50, it suggests the economy is expanding (a good sign). Under that level, and it's shrinking (not so good).
Traders love this report because it usually sets the tone for all the other data that is released each month. (Only the monthly federal Employment Situation report tends to have as much impact on the markets.) Sometimes, its components are more important than the whole. If stock and bond traders are worried about inflation, they'll look at what the survey said about the prices companies are paying for goods and the wages they're paying their workers to see signs that prices might be rising.
The ISM figures originally tracked just manufacturing data, but the group started polling service industries in the 1990s. That report, though, doesn't have the same market punch as the manufacturing numbers, but could as the service economy continues to grow in the U.S.
We end on a historical note: For years, the ISM numbers were actually known as "napalm," because the ISM used to be the National Association of Purchasing Managers. But many in the market (and in the organization itself) weren't keen on being associated with a Vietnam-era weapon.
Home / Markets / Industries / Finance
Thursday, August 07, 2008
SmartCard Marketing Systems Inc. (PINKSHEETS: SMKG) Merchant Kiyss.com Initiates Rollout of Payroll to Aboriginal Territories in North America
Recommend Email this Story | Respond to Editor | Print
SEND ComtexDigg It StumbleUpon Newsvine Reddit SAN ANTONIO, TEXAS, Aug 07, 2008 (MARKET WIRE via COMTEX) ----As Stated by SmartCard Marketing Systems Inc. (PINKSHEETS: SMKG) "Management is pleased to announce Kiyss.com Management has initiated payroll services to its customers through the Velocitymoney.com platform and Pre-paid MasterCard(R: 66.89, -0.90, -1.32%) in US and Canadian Denominations. The opportunity between management of both companies is continuing to bring in significant business as Kiyss.com markets is financial products and services in the Aboriginal Territories.
NOTE: VELOCITYMONEY.COM IS WELL KNOWN AND MOST USED BY BIG COMPANIES,
Velocitymoney.com has become an important part of the migration from traditional cash payroll services in the Aboriginal Territories to a secure and efficient payroll on Prepaid MasterCard(R: 66.89, -0.90, -1.32%) creating a transition to consumer retail P.I.N Debit and Signature transactions allowing for easy access to Purchases online, Travel Bookings and Money Remittance to family members domestically and Internationally. The initial rollout of services will be in Kahnawake Quebec and Akwesasne New York with an existing 4 businesses (60 employees) subscribed."
We seek safe harbor.
Contacts: SmartCard Marketing Systems Inc. Max Barone CEO 1-866-774-2555 maxbarone@gosmartcard.com
Kiyss.com for Aboriginal Inquiries Pat Nolan Jr. 1-450-635-4774 SOURCE: SmartCard Marketing Systems Inc.
mailto:maxbarone@gosmartcard.com
Copyright 2008 Market Wire, All rights reserved.People also read...
The Digital Pen That Will Change How You Take Notes
[2008-08-06]
the digital pen that will change how you take notes, business, oil, personal finance, markets
20038 visitors also liked this.
Dow Surges 331 Points on Fed Day
[2008-08-05]
markets, business, feds, tripledigit gains ahead of the fed, fed decision
19274 visitors also liked this.
Dow Plunges 225, Drowns in Sea of Bad News
[2008-08-07]
dow plunges 225 in sea of bad news, markets, aig, business, oil
13593 visitors also liked this.
Cavuto: To Drill or Not to Drill? Congress Won't Answer
[2008-08-05]
respond to editor, markets, cavuto to drill or not to drill? congress won't answer, cavuto, vanguard reopens two mutual funds
7971 visitors also liked this.
Nasdaq Powers Wall Street
[2008-08-06]
oil, stocks recover as oil slides again, markets, stocks, nasdaq powers wall street
7718 visitors also liked this.
powered by Baynote
Market Snapshot
Indices Movers Loan Center
DJIA
-224.64
11431.43
Nasdaq
-22.64
2355.73
S&P 500
-23.13
1266.06
FOX 50
-12.58
901.36
Symbol Last Price Netchange Volume
S 7.79 0.45 298.38M
SPY 127.01 -1.92 246.30M
XLF 21.21 -1.10 188.98M
AIG 23.84 -5.25 154.97M
QQQQ 46.27 -0.36 152.79M
See Next 5 >
Most Read / Emailed & BlogsMost Read Most Emailed Blog Listing Dow Plunges 225, Drowns in Sea of Bad News
The Digital Pen That Will Change How You Take Notes
Finally...A Little Relief at the Pump
Jobless Claims Surge to 6-Year High
Madden Forced to Do Quick Jersey Change
Gas Prices Could Fall To $2 If Congress Acts, Analysts Say
Oil Jumps to Nearly $120 on Geopolitical Concerns
ROTOZIP(R) Duracut(TM) Bit Helps Phoenix Lander Collect Valuable Martian Soil Samples
July Retail Sales Struggle as Tax Rebate Cash Ends
Soaring Inflation Pinches Small Business Owners
The Digital Pen That Will Change How You Take Notes
Pending Home Sales Jump 5.3% in June
Jobless Claims Surge to 6-Year High
Madden Forced to Do Quick Jersey Change
Citi Reaches Settlement Over Securities Probe
Gas Prices Could Fall To $2 If Congress Acts, Analysts Say
Lexus Tops Vehicle Dependability Study for 14th Year
Most Hybrids Not The Solution to High Gas Prices
Soaring Inflation Pinches Small Business Owners
Logitech Keyboard Gives Mac Users an Edge
Adaptec: The Little Company That Continues To Impress Us
Institutional speculators are taking profits after wildly inflating prices of oil, corn, gold
Succeeding under constraints.
Check Out Line: Rebates run out of steam
Hitachi Debt-High, Cash-Strapped
FOX Business Tools
To Buy or to Lease
Determine whether leasing or buying is the better overall investment strategy
Monthly Payment Calculator
Figure out how different variables in lease deal affect your monthly payment
The Mortgage Calculator
Calculate the interest rate you'll be paying, factoring in fees along the way
See All Tools
Home Video Markets Personal Finance My Money Our Team RSS Feeds Mobile Contact Us About Us FAQs
Advertise with us. Jobs at FOX Business Network.
Terms of use. Privacy Statement. For FOXBusiness.com technical issues write to foxbusinessonline@foxbusiness.com; for all other feedback, write to feedback@foxbusiness.com.
This material may not be published, broadcast, rewritten, or redistributed. 2008 FOX News Network, LLC. All rights reserved.
SmartMoney.com © 2008 SmartMoney. SmartMoney is a joint venture between Dow Jones & Company, Inc. and Hearst SM Partnership. All Rights Reserved. All quotes delayed by 20 minutes. Delayed quotes provided by Interactive Data Managed Solutions. Historical prices and fundamental data provided by Hemscott, Inc. Mutual fund data provided by Lipper. Mutual Fund NAVs are as of previous day's close. Earnings estimates provided by Zacks Investment Research. Insider trading data provided by Thomson Financial. Upgrades and downgrades provided by Briefing.com.
Friday, August 8, 2008
RETIREMENT COMMUNITY SELECTS PCG FOR INTERNET MARKETING WEBWIRE
Advanced Search
Home News by Industry Feeds by Industry Our Services Distribute Your News Tennessee Retirement Community Selects PCG for Internet MarketingWEBWIRE – Thursday, August 07, 2008
Contact Information Brian Pasch
CEO
Pasch Consulting Group
732-842-4720
brian@paschconsulting.com The Pasch Consulting Group (PCG) is pleased to welcome Brandywine Lifestyle Communities into their growing family of US companies who have found that Internet Search Marketing is the key to connecting with consumers in their target market. For Brandywine Lifestyle Communities, their retirement community in Tennessee called "Centennial Bluff" was the primary focus of the initial contract with PCG. The project website is located at http://www.centennialbluff.com.
NOTE: BRUCE MATZEL IS A RESPECTED CEO.
According to Bruce Matzel, CEO of Brandywine Lifestyle Communities, "Our goal is to build and deliver the finest and best 55+ Active Lifestyle Community in Tennessee. We have selected a team of professionals and partners who share the same values, goals and commitments to deliver the very best in our home and excellent customer service for our buyers."
Brian Pasch, CEO of the Pasch Consulting Group, added "PCG will assist Brandywine Lifestyle Communities to connect with home buyers looking for information on retirement communities for active adults in Tennessee. Centennial Bluff represents the perfect opportunity for active adults to find the balance between luxury amenities and affordable housing in Tennessee. It doesn't hurt that Centennial Bluff is adjacent to a world class golf course!"
Visit their clubhouse information at: http://www.centennialbluff.com/clubhouse.htm
Centennial Bluff is a stand-out for active adult living in Tennessee because of the unique features of this retirement community which include:
- 39.4 acres of land with spectacular views overlooking the Centennial Golf Course and Melton Hill Lake
- Landscaped natural areas with conversation seating nooks
- Contemporary lantern street lights along the tree lined entrance boulevard
- A beautiful 12,000 sq. ft. amenity clubhouse with full-service spa and state of the art fitness center, plus many indoor and outdoor activities
- Professionally designed and maintained landscaping throughout the community
- Six single-level floor plans designed for easy, low-maintenance living
The Pasch Consulting Group designs SEO and Internet Marketing Strategies for a wide range of businesses and industries. Their award winning designs and Internet Marketing Strategies make them one of the fastest growing companies for search engine optimization (SEO) and Internet marketing in the United States.
The Centennial Bluff Sales Center is located on the left side of Edgemoor Road just one mile from the Edgemoor Rd./TN 170 exit off Pellissippi Parkway/TN 62.
Centennial Bluff Sales Center
1600A Edgemoor Road
Oak Ridge, TN 37830
Phone: Local: 865-483-5454
Toll free: 888-823-6836
Fax: 865-483-5696
For Additional information on Centennial Bluff, contact Merrilee Scott, Director of Marketing at Merrilee@centennialbluff.com .
Pasch Consulting Group
2711 Centerville Road, Suite 300
Wilmington DE, 19808
http://www.paschconsulting.com
Related Links Centennial Bluff Retirement Community
The community at Centennial Bluff
Residences at Centennial Bluff Retirement Community
retirement golf community retirement community tenn tennessee retirement tennessee adult community retire tennessee This news content may be integrated into any legitimate news gathering and publishing effort. Linking is permitted.
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Home News by Industry Feeds by Industry Our Services Distribute Your News Tennessee Retirement Community Selects PCG for Internet MarketingWEBWIRE – Thursday, August 07, 2008
Contact Information Brian Pasch
CEO
Pasch Consulting Group
732-842-4720
brian@paschconsulting.com The Pasch Consulting Group (PCG) is pleased to welcome Brandywine Lifestyle Communities into their growing family of US companies who have found that Internet Search Marketing is the key to connecting with consumers in their target market. For Brandywine Lifestyle Communities, their retirement community in Tennessee called "Centennial Bluff" was the primary focus of the initial contract with PCG. The project website is located at http://www.centennialbluff.com.
NOTE: BRUCE MATZEL IS A RESPECTED CEO.
According to Bruce Matzel, CEO of Brandywine Lifestyle Communities, "Our goal is to build and deliver the finest and best 55+ Active Lifestyle Community in Tennessee. We have selected a team of professionals and partners who share the same values, goals and commitments to deliver the very best in our home and excellent customer service for our buyers."
Brian Pasch, CEO of the Pasch Consulting Group, added "PCG will assist Brandywine Lifestyle Communities to connect with home buyers looking for information on retirement communities for active adults in Tennessee. Centennial Bluff represents the perfect opportunity for active adults to find the balance between luxury amenities and affordable housing in Tennessee. It doesn't hurt that Centennial Bluff is adjacent to a world class golf course!"
Visit their clubhouse information at: http://www.centennialbluff.com/clubhouse.htm
Centennial Bluff is a stand-out for active adult living in Tennessee because of the unique features of this retirement community which include:
- 39.4 acres of land with spectacular views overlooking the Centennial Golf Course and Melton Hill Lake
- Landscaped natural areas with conversation seating nooks
- Contemporary lantern street lights along the tree lined entrance boulevard
- A beautiful 12,000 sq. ft. amenity clubhouse with full-service spa and state of the art fitness center, plus many indoor and outdoor activities
- Professionally designed and maintained landscaping throughout the community
- Six single-level floor plans designed for easy, low-maintenance living
The Pasch Consulting Group designs SEO and Internet Marketing Strategies for a wide range of businesses and industries. Their award winning designs and Internet Marketing Strategies make them one of the fastest growing companies for search engine optimization (SEO) and Internet marketing in the United States.
The Centennial Bluff Sales Center is located on the left side of Edgemoor Road just one mile from the Edgemoor Rd./TN 170 exit off Pellissippi Parkway/TN 62.
Centennial Bluff Sales Center
1600A Edgemoor Road
Oak Ridge, TN 37830
Phone: Local: 865-483-5454
Toll free: 888-823-6836
Fax: 865-483-5696
For Additional information on Centennial Bluff, contact Merrilee Scott, Director of Marketing at Merrilee@centennialbluff.com .
Pasch Consulting Group
2711 Centerville Road, Suite 300
Wilmington DE, 19808
http://www.paschconsulting.com
Related Links Centennial Bluff Retirement Community
The community at Centennial Bluff
Residences at Centennial Bluff Retirement Community
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Thursday, August 7, 2008
CMG HOLDINGS, INC., CREATIVE MANAGEMENT GROUP INC TO ACQUIRE MAYA MARKETING, INC.
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CMG Holdings, Inc., Creative Management Group Inc. (CMGO) to Acquire Maya Marketing, Inc.
Last update: 12:52 p.m. EDT Aug. 7, 2008
NEW YORK, Aug 07, 2008 (BUSINESS WIRE) -- CMG Holdings, Inc. (CMGO:CMGO
News, chart, profile, more
Last:
Delayed quote dataAdd to portfolio
Analyst
Create alertInsider
Discuss
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Sponsored by:
, , ) , a full service global marketing, sports, entertainment and management communications company that operates in the sectors of talent management, event management and commercial rights, has executed a Letter of Intent to acquire Maya Marketing, Inc, a well known marketing and communications agency. Viriathus Capital is acting as advisor to CMG Holdings.
Maya Marketing, Inc. creates and produces fully integrated marketing solutions by leveraging its expertise, knowledge and experience in advertising, marketing, brand management, consumer promotions, integrated communications, and alternative media. Clients have included: Beiersdorf, Cadbury Schweppes, GlaxoSmithKline, BIC USA, Combe Incorporated, Time Inc., Hearst Corporation, Conde Nast Publications, Alpha Media Group, Forbes.com, Time Warner Cable, Comcast, Movies on Demand, 20th Century FOX, Jones Apparel Group, United Rentals, Best Buy, Payless Shoe Stores, Big Apple Circus, Dynastar, and Brine.
Most recently, Maya has entered into the digital media space by securing a long-term real-estate contract with the North American subsidiary of Lagardere Services, the world's largest newsstand owner and operator. The contract will provide Maya with the exclusive rights to deploy, manage and operate an innovative and captivating in-store digital media network located throughout the United States and Canada.
NOTE: MAYA IS ONE OF THE BEST IN THE MANAGEMENT INDUSTRY.
The retail based platform has been designed to capitalize on the increasing fragmentation of traditional media by offering advertisers and content providers alike with the ability to reach the target audience at the very point-of-purchase, while cash is in hand and purchase intent is at its highest within upscale newsstands in all top designated market areas (DMAs).
The network is built on a robust platform that includes highly targeted content distribution channels via narrowcasting, on-screen messaging supported by audio and transactional data measuring ROI via access to integrated POS systems.
Retail partners include: HDS Retail North America, L.P. and Hachette Distribution Services Canada Inc., in addition to Martin's News Shops and Gateway Newstands.
Alan Morell, CEO of CMG Holdings Inc., said, "Maya Marketing, as it currently stands, has a significant core profit center and ramp up potential and is impressive within the Madison Avenue advertising community. With our Fortune 500 contacts on the branding and licensing community side via our Commercial Rights Division and A-list Talent, we can add synergy to expand CMG Holdings Inc. content with Maya Marketing's new digital media network. Content and distribution is the future as demonstrated by e.g. NBC Peacock Productions with NBC Universal; MTV with Viacom; CBS Outernet, Turner New Line for Time Warner; Disney Productions with ABC et.al. for reoccurring licensed revenues library ownership both one off and series."
About CMG
NOTE: CMG IS A WELL RESPECTED MARKETING COMPANY.
CMG Holdings, Inc. is a full service global marketing, sports, entertainment and management communications company that operates in the sectors of talent management, event management and commercial rights.
Talent Management includes representation of personalities in the entertainment and the arts, athletes, literary industries through full service representation to enable clients to realize up most potential for endorsements, licensing, contract negotiations, speaking appearances, literary and television image marketing. CMG represents athletes and sports personalities in team and non-team sports in a full-service approach ensuring individualized attention and commitment to manage client's business opportunities. CMG manages broadcasters and actors careers and assists the engineering opportunities in film, broadcast and television and packaging with corporate sponsors. CMG literary division provides full service representation to authors for publishing in traditional houses as well as electronic media including television, film, radio and after market licensing to ensure greatest exposure and to increase client revenues.
Event Management includes marquis hospitality, sponsorships and licensing, broadcast production and implementation of events including hospitality services to the most discriminating of clients in sports sectors including golf, tennis, equine and motor sports pairing corporate sponsors and premier events and leveraging that experience to ensure our clients receive the highest return on their investment and level of brand exposure. CMG is dedicated to pursuing intellectual property rights of sports and entertainment properties and offering these events through long-term entertainment hospitality packages for corporate sponsors and manages and implements on-site operations and logistical concerns. CMG broadcast and production division secures, negotiates electronic production, broadcast and syndication opportunities for clients via network, cable television, radio and digital media.
Commercial Rights includes branding, consulting, endorsements, licensing, sponsorships, sales and marketing. CMG creates branding and distributes image marketing tools to strategic outlets to generate premier brand recognition for our clients. CMG consulting focuses on developing high-profile programs utilizing creative solutions to improve cost-efficiency and increase client revenues. CMG endorsement, licensing and sponsorships division works with premier corporations regarding contract negotiations for client endorsements, secure domestic and international licensing opportunities, provide implementation and execution services for client sponsorships. CMG marketing division positions and leverages our clients to increase their presence in the global market through research of business environments and creative solutions to take advantage of given market conditions. CMG sales include creating commercial rights opportunities, identifying sales targets and strategically selling commercial rights to maximize client revenues.
Creative Management Group is headquartered in Miami, Florida with a marketing and sales office in New York City.
SOURCE: CMG Holdings, Inc.
CMG Holdings, Inc.
Creative Management Group, Inc.
Jim Ennis, COO
+1-212-521-4111
investorrelations@creativemanagementgroup.com
www.creativemanagementgroup.com
www.cmgholdingsinc.com
or
Viriathus Consulting
Maria Zervas, +1-212-372-0897
Managing Director
maria.zervas@viriathus.com
www.viriathus.com
Copyright Business Wire 2008
Top stories
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CORRECT: Pending home sales index rises 5.3% in June: NAR
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Why McCain would be a mediocre president
U.S. workers must unite to protect their 401(k) savings
Supply and demand turned upside down as commodities plunge
Media's self-censorship over Edwards is bigger scandal
CORRECT: Pending home sales index rises 5.3% in June: NAR
Long-time Bear Granville turns bullish
Citi to settle charges on auction-rate securities
Global coal demand is swelling and these companies will benefit
AIG shares drop by record 18% after 'horrific' results
Decoding the latest business buzzwords
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By using this site, you agree to the Terms of Service and Privacy Policy . CMG Holdings, Inc., Creative Management Group Inc. (CMGO) to Acquire Maya Marketing, Inc. - MarketWatchIntraday data provided by Interactive Data Real Time Services, a division of Interactive Data Corp. and subject to terms of use. Historical and current end-of-day data provided by Interactive Data Pricing and Reference Data. More information on NASDAQ traded symbols and their current financial status. Intraday data delayed 15 minutes for Nasdaq, and 20 minutes for other exchanges. Dow Jones Indexes(SM) from Dow Jones & Company, Inc. SEHK intraday data is provided by Comstock and is at least 60-minutes delayed. All quotes are in local exchange time. Real-time last sale data provided by NASDAQ.
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latest news
CMG Holdings, Inc., Creative Management Group Inc. (CMGO) to Acquire Maya Marketing, Inc.
Last update: 12:52 p.m. EDT Aug. 7, 2008
NEW YORK, Aug 07, 2008 (BUSINESS WIRE) -- CMG Holdings, Inc. (CMGO:CMGO
News, chart, profile, more
Last:
Delayed quote dataAdd to portfolio
Analyst
Create alertInsider
Discuss
Financials
Sponsored by:
, , ) , a full service global marketing, sports, entertainment and management communications company that operates in the sectors of talent management, event management and commercial rights, has executed a Letter of Intent to acquire Maya Marketing, Inc, a well known marketing and communications agency. Viriathus Capital is acting as advisor to CMG Holdings.
Maya Marketing, Inc. creates and produces fully integrated marketing solutions by leveraging its expertise, knowledge and experience in advertising, marketing, brand management, consumer promotions, integrated communications, and alternative media. Clients have included: Beiersdorf, Cadbury Schweppes, GlaxoSmithKline, BIC USA, Combe Incorporated, Time Inc., Hearst Corporation, Conde Nast Publications, Alpha Media Group, Forbes.com, Time Warner Cable, Comcast, Movies on Demand, 20th Century FOX, Jones Apparel Group, United Rentals, Best Buy, Payless Shoe Stores, Big Apple Circus, Dynastar, and Brine.
Most recently, Maya has entered into the digital media space by securing a long-term real-estate contract with the North American subsidiary of Lagardere Services, the world's largest newsstand owner and operator. The contract will provide Maya with the exclusive rights to deploy, manage and operate an innovative and captivating in-store digital media network located throughout the United States and Canada.
NOTE: MAYA IS ONE OF THE BEST IN THE MANAGEMENT INDUSTRY.
The retail based platform has been designed to capitalize on the increasing fragmentation of traditional media by offering advertisers and content providers alike with the ability to reach the target audience at the very point-of-purchase, while cash is in hand and purchase intent is at its highest within upscale newsstands in all top designated market areas (DMAs).
The network is built on a robust platform that includes highly targeted content distribution channels via narrowcasting, on-screen messaging supported by audio and transactional data measuring ROI via access to integrated POS systems.
Retail partners include: HDS Retail North America, L.P. and Hachette Distribution Services Canada Inc., in addition to Martin's News Shops and Gateway Newstands.
Alan Morell, CEO of CMG Holdings Inc., said, "Maya Marketing, as it currently stands, has a significant core profit center and ramp up potential and is impressive within the Madison Avenue advertising community. With our Fortune 500 contacts on the branding and licensing community side via our Commercial Rights Division and A-list Talent, we can add synergy to expand CMG Holdings Inc. content with Maya Marketing's new digital media network. Content and distribution is the future as demonstrated by e.g. NBC Peacock Productions with NBC Universal; MTV with Viacom; CBS Outernet, Turner New Line for Time Warner; Disney Productions with ABC et.al. for reoccurring licensed revenues library ownership both one off and series."
About CMG
NOTE: CMG IS A WELL RESPECTED MARKETING COMPANY.
CMG Holdings, Inc. is a full service global marketing, sports, entertainment and management communications company that operates in the sectors of talent management, event management and commercial rights.
Talent Management includes representation of personalities in the entertainment and the arts, athletes, literary industries through full service representation to enable clients to realize up most potential for endorsements, licensing, contract negotiations, speaking appearances, literary and television image marketing. CMG represents athletes and sports personalities in team and non-team sports in a full-service approach ensuring individualized attention and commitment to manage client's business opportunities. CMG manages broadcasters and actors careers and assists the engineering opportunities in film, broadcast and television and packaging with corporate sponsors. CMG literary division provides full service representation to authors for publishing in traditional houses as well as electronic media including television, film, radio and after market licensing to ensure greatest exposure and to increase client revenues.
Event Management includes marquis hospitality, sponsorships and licensing, broadcast production and implementation of events including hospitality services to the most discriminating of clients in sports sectors including golf, tennis, equine and motor sports pairing corporate sponsors and premier events and leveraging that experience to ensure our clients receive the highest return on their investment and level of brand exposure. CMG is dedicated to pursuing intellectual property rights of sports and entertainment properties and offering these events through long-term entertainment hospitality packages for corporate sponsors and manages and implements on-site operations and logistical concerns. CMG broadcast and production division secures, negotiates electronic production, broadcast and syndication opportunities for clients via network, cable television, radio and digital media.
Commercial Rights includes branding, consulting, endorsements, licensing, sponsorships, sales and marketing. CMG creates branding and distributes image marketing tools to strategic outlets to generate premier brand recognition for our clients. CMG consulting focuses on developing high-profile programs utilizing creative solutions to improve cost-efficiency and increase client revenues. CMG endorsement, licensing and sponsorships division works with premier corporations regarding contract negotiations for client endorsements, secure domestic and international licensing opportunities, provide implementation and execution services for client sponsorships. CMG marketing division positions and leverages our clients to increase their presence in the global market through research of business environments and creative solutions to take advantage of given market conditions. CMG sales include creating commercial rights opportunities, identifying sales targets and strategically selling commercial rights to maximize client revenues.
Creative Management Group is headquartered in Miami, Florida with a marketing and sales office in New York City.
SOURCE: CMG Holdings, Inc.
CMG Holdings, Inc.
Creative Management Group, Inc.
Jim Ennis, COO
+1-212-521-4111
investorrelations@creativemanagementgroup.com
www.creativemanagementgroup.com
www.cmgholdingsinc.com
or
Viriathus Consulting
Maria Zervas, +1-212-372-0897
Managing Director
maria.zervas@viriathus.com
www.viriathus.com
Copyright Business Wire 2008
Top stories
9:40 PM today Banking stocks slammed on U.S. worries
2:37 PM today General obligation bonds have edge over other tax-free munis
3:53 PM today Why McCain would be a mediocre president
Mutual Funds E-newsletter The latest mutual fund news and commentary delivered to your inbox weekly.
Sign up
Privacy policy
Most Popular
READE-MAILEDEDITOR'S PICK
Long-time Bear Granville turns bullish
U.S. stocks end steeply down as financials shake up market
U.S. workers must unite to protect their 401(k) savings
Supply and demand turned upside down as commodities plunge
U.S. stock futures drops on AIG loss, Wal-Mart view
Oil futures end losing streak on pipeline shutdown
AIG shares drop by record 18% after 'horrific' results
CORRECT: Pending home sales index rises 5.3% in June: NAR
Citi to settle charges on auction-rate securities
Media's self-censorship over Edwards is bigger scandal
Why McCain would be a mediocre president
U.S. workers must unite to protect their 401(k) savings
Supply and demand turned upside down as commodities plunge
Media's self-censorship over Edwards is bigger scandal
CORRECT: Pending home sales index rises 5.3% in June: NAR
Long-time Bear Granville turns bullish
Citi to settle charges on auction-rate securities
Global coal demand is swelling and these companies will benefit
AIG shares drop by record 18% after 'horrific' results
Decoding the latest business buzzwords
Banking stocks slammed on U.S. worries
General obligation bonds have edge over other tax-free munis
Why McCain would be a mediocre president
Cathay Pacific posts loss on high fuel prices
Get the Latest MarketWatch News >>
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Copyright © 2008 MarketWatch, Inc. All rights reserved.
By using this site, you agree to the Terms of Service and Privacy Policy . CMG Holdings, Inc., Creative Management Group Inc. (CMGO) to Acquire Maya Marketing, Inc. - MarketWatchIntraday data provided by Interactive Data Real Time Services, a division of Interactive Data Corp. and subject to terms of use. Historical and current end-of-day data provided by Interactive Data Pricing and Reference Data. More information on NASDAQ traded symbols and their current financial status. Intraday data delayed 15 minutes for Nasdaq, and 20 minutes for other exchanges. Dow Jones Indexes(SM) from Dow Jones & Company, Inc. SEHK intraday data is provided by Comstock and is at least 60-minutes delayed. All quotes are in local exchange time. Real-time last sale data provided by NASDAQ.
Friday, July 4, 2008
FLOOD INSURANCE HELP
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Flood Insurance Help
Not having the correct insurance for your property when a monsoon hits can be financially devastating.
Tom Paluda with Farmers Insurance Group says many are surprised they had no protection for certain losses under their policies. "Whether you're a business or a home owner or renter, take the time a sit down and know exactly what coverage you have and what coverage you don't have."
NOTE: PALUDA HAS A GREAT INFLUENCE IN THE INSURANCE INDUSTRY.
Paluda says it's vital to get informed about certain add on's. For example, a tree falls through your house. "Most insurance is going to pay to fix your house but what about removing the tree? A big tree costs hundreds of dollars to remove. Then what about replacing that tree?
Or what if your parked car is damaged during a monsoon? "The homeowners insurance will never pay for that car. Unless they have auto insurance on that car it's not going to get paid."
Paluda says many policy owners don't grasp the importance of cataloging valuable possessions. "The insurance company says ok, we're sitting here with a blank check. What did you have? Most people wouldn't know what to tell them."
He says homeowners can take precautionary measures to protect against unnecessary losses.
This includes:
-Having your agent inspect the house for potential problems.
-Keep trees that may damage property during extreme weather trimmed.
-Get a fireproof box to protect vital papers and jewelry in case of a fire or flood.
For more insurance information from our expert, click here.
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Tyler Wing Reports
Flood Insurance Help
Posted: June 29, 2008 06:10 PM
Flood Insurance Help
Not having the correct insurance for your property when a monsoon hits can be financially devastating.
Tom Paluda with Farmers Insurance Group says many are surprised they had no protection for certain losses under their policies. "Whether you're a business or a home owner or renter, take the time a sit down and know exactly what coverage you have and what coverage you don't have."
NOTE: PALUDA HAS A GREAT INFLUENCE IN THE INSURANCE INDUSTRY.
Paluda says it's vital to get informed about certain add on's. For example, a tree falls through your house. "Most insurance is going to pay to fix your house but what about removing the tree? A big tree costs hundreds of dollars to remove. Then what about replacing that tree?
Or what if your parked car is damaged during a monsoon? "The homeowners insurance will never pay for that car. Unless they have auto insurance on that car it's not going to get paid."
Paluda says many policy owners don't grasp the importance of cataloging valuable possessions. "The insurance company says ok, we're sitting here with a blank check. What did you have? Most people wouldn't know what to tell them."
He says homeowners can take precautionary measures to protect against unnecessary losses.
This includes:
-Having your agent inspect the house for potential problems.
-Keep trees that may damage property during extreme weather trimmed.
-Get a fireproof box to protect vital papers and jewelry in case of a fire or flood.
For more insurance information from our expert, click here.
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Thursday, July 3, 2008
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Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
NOTE: AUTO INSURANCE HAS BEEN A PREREQUISITE IN PURCHASING A VEHICLE.
Contents
[hide]
* 1 Public policy
o 1.1 Australia
o 1.2 Canada
o 1.3 South Africa
o 1.4 United Kingdom
o 1.5 United States
* 2 Coverage levels
* 3 Excess
o 3.1 Compulsory excess
o 3.2 Voluntary excess
* 4 Basis of premium charges
o 4.1 Gender
o 4.2 Age
o 4.3 Distance
+ 4.3.1 Reasonable estimation
+ 4.3.2 Odometer-based systems
+ 4.3.3 GPS-based system
+ 4.3.4 OBDII-based system
* 5 Auto insurance in the United States
o 5.1 Coverage available
+ 5.1.1 Liability
# 5.1.1.1 Combined single limit
# 5.1.1.2 Split limits
+ 5.1.2 Collision
+ 5.1.3 Comprehensive
+ 5.1.4 Uninsured/underinsured coverage
+ 5.1.5 Loss of use
+ 5.1.6 Loan/lease payoff
+ 5.1.7 Towing
* 6 See also
* 7 Notes
[edit] Public policy
In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.
A 1994 study by Jeremy Jackson and Roger Blackman[1] showed, consistent with the risk homeostasis theory, that increased accident costs caused large and significant reductions in accident frequencies.
[edit] Australia
In South Australia, Third Party Personal insurance from the State Government Insurance Corporation (SGIC) is included in the licence registration fee for people over 16.
In Victoria, Third Party Personal insurance from the Transport Accident Commission is similarly included, through a levy, in the vehicle registration fee .
[edit] Canada
Several Canadian provinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system while in the rest of the country insurance is provided privately. Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador. All provinces in Canada have some form of no-fault insurance available to accident victims. The difference from province to province is the extent to which tort or no-fault is emphasized.[2] Typically, coverage against loss of or damage to the driver's own vehicle is optional - one notable exception to this is in Saskatchewan, where SGI provides collision coverage (less than a $700 deductible, such as a collision damage waiver) as part of its basic insurance policy. In Saskatchewan, residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option.[2]
[edit] South Africa
South Africa allocates a percentage of the money from petrol into the Road Accidents Fund, which goes towards compensating third parties in accidents.[3]
[edit] United Kingdom
In 1930, the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance.
Today UK law is defined by the The Road Traffic Act 1988, which was last modified in 1991. The act requires that some motorists either be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.
Insurance which satisfies the requirement of the act, for those who require cover, is called third party insurance. It is an offence to drive your car, or allow others to drive it, without at least third party insurance whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991); however, no such legislation applies on private land.
Vehicles which are exempted by the act, from the requirement to be covered, include those owned by certain: councils and local authorities, national park authorities, education authorities, police authorities, fire authorities, heath service bodies and security services.
The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is indeed insured. The law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence.
Insurance is more expensive in Northern Ireland than in other parts of the UK.
Most motorists in the UK are required to prominently display a vehicle licence (tax disc) on their vehicle when it is kept or driven on public roads. This helps to ensure that most people have adequate insurance on their vehicles because you are required to produce an insurance certificate when you purchase the disc. However it is a known practice for some people to purchase insurance to gain the certificate and then to cancel the insurance and gain a full refund within the statutory 14 day cooling off period.
The Motor Insurers Bureau compensates the victims of road accidents caused by uninsured and untraced motorists. It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.
[edit] United States
In the United States, auto insurance is compulsory in most states, though enforcement of the requirement varies from state to state. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.[4] Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.
Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office in order to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.[5]
NOTE: IT IS VERY IMPORTANT TO KNOW THE COVERAGE OF YOUR INSURANCE.
[edit] Coverage levels
Vehicle insurance can cover some or all of the following items:
* The insured party
* The insured vehicle
* Third parties (car and people)
Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.
[edit] Excess
An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your car insurance policy. Normally the payment is made directly to the accident repair "garage" (The term "garage" refers to an establishment where vehicles are serviced and repaired) when you collect the car. If one's car is declared to be a "write off" ("write off" is commonly used in motor insurance to describe a vehicle the worth of which is less than the cost of repair), the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.
If the accident was the other driver's fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company. If the other driver is uninsured, a policy's minimum limits include coverage for the uninsured/underinsured motorist(s) at fault.
[edit] Compulsory excess
A compulsory excess is the minimum excess payment your insurer will accept on your insurance policy. Minimum excesses vary according to your personal details, driving record and insurance company.
[edit] Voluntary excess
In order to reduce your insurance premium, you may offer to pay a higher excess than the compulsory excess demanded by your insurance company. Your voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by your insurer, your insurer is able to offer you a significantly lower premium.
[edit] Basis of premium charges
Main article: auto insurance risk selection
Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.
When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based on statistical data. The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims.[6] Those factors can include the car characteristics, the coverage selected (deductible, limit, covered perils), the profile of the driver (age, gender, driving history) and the usage of the car (commute to work or not, predicted annual distance driven).[7][8]
[edit] Gender
Men average more miles driven per year than women do, and have a proportionally higher accident involvement at all ages. Insurance companies cite women's lower accident involvement in keeping the youth surcharge lower for young women drivers than for their male counterparts, but adult rates are generally unisex. Reference to the lower rate for young women as "the women's discount" has caused confusion that was evident in news reports on a recently defeated EC proposal to make it illegal to consider gender in assessing insurance premiums.[9] Ending the discount would have made no difference to most women's premiums.
[edit] Age
Teenage drivers who have no driving record will have higher car insurance premiums. However young drivers are often offered discounts if they undertake further driver training on recognised courses, such as the Pass Plus scheme in the UK. In the U.S. many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25. Senior drivers are often eligible for retirement discounts reflecting lower average miles driven by this age group.
[edit] Distance
Some car insurance plans do not differentiate in regard to how much the car is used. However, methods of differentiation would include:
[edit] Reasonable estimation
Several car insurance plans rely on a reasonable estimation of the average annual distance expected to be driven which is provided by the insured. This discount benefits drivers who drive their cars infrequently but has no actuarial value since it is unverified.
[edit] Odometer-based systems
Cents Per Mile Now[10](1986) advocates classified odometer-mile rates. After the company's risk factors have been applied and the customer has accepted the per-mile rate offered, customers buy prepaid miles of insurance protection as needed, like buying gallons of gasoline. Insurance automatically ends when the odometer limit (recorded on the car's insurance ID card) is reached unless more miles are bought. Customers keep track of miles on their own odometer to know when to buy more. The company does no after-the-fact billing of the customer, and the customer doesn't have to estimate a "future annual mileage" figure for the company to obtain a discount. In the event of a traffic stop, an officer could easily verify that the insurance is current by comparing the figure on the insurance card to that on the odometer.
Critics point out the possibility of cheating the system by odometer tampering. Although the newer electronic odometers are difficult to roll back, they can still be defeated by disconnecting the odometer wires and reconnecting them later. However, as the Cents Per Mile Now website points out:
As a practical matter, resetting odometers requires equipment plus expertise that makes stealing insurance risky and uneconomical. For example, in order to steal 20,000 miles of continuous protection while paying for only the 2,000 miles from 35,000 miles to 37,000 miles on the odometer, the resetting would have to be done at least nine times to keep the odometer reading within the narrow 2,000-mile covered range. There are also powerful legal deterrents to this way of stealing insurance protection. Odometers have always served as the measuring device for resale value, rental and leasing charges, warranty limits, mechanical breakdown insurance, and cents-per-mile tax deductions or reimbursements for business or government travel. Odometer tampering—detected during claim processing—voids the insurance and, under decades-old state and federal law, is punishable by heavy fines and jail.
Under the cents-per-mile system, rewards for driving less are delivered automatically without need for administratively cumbersome and costly GPS technology. Uniform per-mile exposure measurement for the first time provides the basis for statistically valid rate classes. Insurer premium income automatically keeps pace with increases or decreases in driving activity, cutting back on resulting insurer demand for rate increases and preventing today's windfalls to insurers when decreased driving activity lowers costs but not premiums.
[edit] GPS-based system
In 1998, Progressive Insurance started a pilot program in Texas in which drivers received a discount for installing a GPS-based device that tracked their driving behavior and reported the results via cellular phone to the company.[11] Policyholders were reportedly more upset about having to pay for the expensive device than they were over privacy concerns.[12]
[edit] OBDII-based system
In 2004, Progressive launched another pilot program to allow policyholders to earn a discount on their premiums by consenting to use its TripSense device. TripSense connects to a car's OnBoard Diagnostic(OBD-II) port, which exists in all cars built after 1996. The discount is forfeited if the device is disconnected for a significant amount of time.[13]
[edit] Auto insurance in the United States
[edit] Coverage available
The consumer may be protected with different coverage types depending on what coverage the insured purchases. Some states require that motorists carry minimum levels of auto insurance coverage in order to ensure that its drivers can cover the cost of damages to people or property in the event of an automobile accident. Some states, such as Wisconsin, have more flexible "proof of financial responsibility" requirements.[14]
In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles provided, do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party's policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident.
Generally, liability coverage extends when you rent a car. Comprehensive policies ("full coverage") usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured's vehicle. This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured's vehicle, assuming that a rental car may be worth more than the insured's vehicle. Most rental car companies offer insurance to cover damage to the rental vehicle. These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. These benefits are restrictive in terms of the types of vehicles covered.[15]
NOTE: IT IS EQUALLY IMPORTANT TO KNOW YOUR LIABILITIES AND OPTIONS.
[edit] Liability
Liability coverage provides up to a fixed dollar amount of coverage for damages that an insured driver becomes legally liable to pay due to an accident or other negligence. For example, if an insured driver drives into a telephone pole and damages the pole, liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company).
Liability coverage is available either as a combined single limit policy, or as a split limit policy:
[edit] Combined single limit
A combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combine single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver's car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
[edit] Split limits
A split limit liability coverage policy splits the coverages into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver's vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
Bodily injury liability coverage is also usually split as well into a maximum payment per person and a maximum payment per accident.
[edit] Collision
Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable. Collision coverage is optional. Collision Damage Waiver (CDW) is the term used by rental car companies for collision coverage.
[edit] Comprehensive
Comprehensive (a.k.a. - Other Than Collision) coverage provides coverage, subject to a deductible, for an insured's vehicle that is damaged by incidents that are not considered Collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of Comprehensive losses.
[edit] Uninsured/underinsured coverage
Underinsured coverage, also known as UM/UIM, provides coverage if another at-fault party either does not have insurance, or does not have enough insurance. In effect, your insurance company pays as would the at fault party's insurance company for your damages, Then would subrogate from the at fault party.
In the United States, the definition of an uninsured/underinsured motorist, and corresponding coverages, are set by state laws.
[edit] Loss of use
Loss of use coverage, also known as rental coverage, provides reimbursement for rental expenses associated with having an insured vehicle repaired due to a covered loss.
[edit] Loan/lease payoff
Loan/lease payoff coverage, also known as GAP coverage or GAP insurance,[16][17] was established in the early 1980s to provide protection to consumers based upon buying and market trends.
Due to the sharp decline in value immediately following purchase, there is generally a period in which the amount owed on the car loan exceeds the value of the vehicle, which is called "upside-down" or negative equity. Thus, if the vehicle is damaged beyond economical repair at this point, the owner will still owe potentially thousands of dollars on the loan. The escalating price of cars, longer-term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In many instances, this insurance will also pay the deductible on the primary insurance policy. These policies are often offered at the auto dealership as a comparatively low cost add on that can be put into the car loan which provides coverage for the duration of the loan.
Consumers should be aware that a few states, including New York, require lenders of leased cars to include GAP insurance within the cost of the lease itself. This means that the monthly price quoted by the dealer must include GAP insurance, whether it is delineated or not. Nevertheless, unscrupulous dealers sometimes prey on unsuspecting individuals by offering them GAP insurance at an additional price, on top of the monthly payment, without mentioning the State's requirements.
In addition, some vendors and insurance companies offer what is called "Total Loss Coverage." This is similar to ordinary GAP insurance but differs in that instead of paying off the negative equity on a vehicle that is a total loss, the policy provides a certain amount, usually up to $5000, toward the purchase or lease of a new vehicle. Thus, to some extent the distinction makes no difference, i.e., in either case the owner receives a certain sum of money. However, in choosing which type of policy to purchase, the owner should consider whether, in case of a total loss, it is more advantageous for him or her to have the policy pay off the negative equity or provide a down payment on a new vehicle.
For example, assuming a total loss of a vehicle valued at $15,000, but on which the owner owes $20,000, is the "gap" of $5000. If the owner has traditional GAP coverage, the "gap" will be wiped out and he or she may purchase or lease another vehicle or choose not to. If the owner has "Total Loss Coverage," he or she will have to personally cover the "gap" of $5000, and then receive $5000 toward the purchase or lease of a new vehicle, thereby either reducing monthly payments, in the case of financing or leasing, or the total purchase price in the case of outright purchasing. So the decision on which type of policy to purchase will, in most instances, be informed by whether the owner can pay off the negative equity in case of a total loss and/or whether he or she will definitively purchase a replacement vehicle.
[edit] Towing
Car towing coverage is also known as Roadside Assistance coverage. Traditionally, automobile insurance companies have agreed to only pay for the cost of a tow that is related to an accident that is covered under the automobile policy of insurance. This had left a gap in coverage for tows that are related to mechanical breakdowns, flat tires and gas outages. To fill that void, insurance companies started to offer the car towing coverage, which pays for non-accident related tows.
[edit] See also
* Alcohol exclusion laws
* Breakdown
* Extended coverage
* Insurance Information and Enforcement System
* No fault insurance
* Omnibus clause
* Public auto insurance
[edit] Notes
1. ^ Jackson JSH, Blackman R (1994). "A driving-simulator test of Wilde's risk homeostasis theory". Journal of Applied Psychology.
2. ^ a b Insurance Bureau of Canada
3. ^ Petrol Structure (HTML). Department of Minerals and Energy, South Africa. Retrieved on 2006-05-11.
4. ^ Virginia Insurance Requirements (HTML). Virginia Department of Motor Vehicles. Retrieved on 2007-11-15.
5. ^ Semmens, John. "Improving Road Safety by Privatizing Vehicle and Driver Testing and Licensing", Street Smart: Competition, Entrepreneurship and the Future of Roads.
6. ^ McClenahan, Charles. Ratemaking (PDF). Casualty Actuarial Society. Retrieved on 2006-05-11.
7. ^ What determines the price of my policy? (HTML). Insurance Information Institute. Retrieved on 2006-05-11.
8. ^ How Are Auto Insurance Rates Calculated? (HTML). Countrywide Insurance Services. Retrieved on 2006-05-11.
9. ^ "Women drivers' insurance threat" (HTML), BBC. Retrieved on 2006-09-05.
10. ^ Cents Per Mile Now (HTML). Retrieved on 2006-05-11.
11. ^ Progressive's "pay-as-you-drive" auto insurance poised for wide rollout (HTML). insure.com. Retrieved on 2006-05-11.
12. ^ Insurance program rewards drivers who drive less and slower (HTML). Aftermarket Business. Retrieved on 2006-05-11.
13. ^ New technology provides detailed info on driving habits (HTML). Minnesota Public Radio. Retrieved on 2006-05-11.
14. ^ Wisconsin Department of Transportation (2008-02-29). Chapter 344: Vehicles — Financial Responsibility (PDF). Wisconsin Statutes Database. Retrieved on 2008-04-04.
15. ^ Auto Rental Collision Damage Waiver Program Personal (HTML). Visa USA. Retrieved on 2006-05-11.
16. ^ Buying or Leasing a Car: What you should know (HTML). State of New York Banking Department. Retrieved on 2007-01-17.
17. ^ GAP Insurance (HTML). Washington State Office of the Insurance Commissioner. Retrieved on 2007-01-16.
Retrieved from "http://en.wikipedia.org/wiki/Vehicle_insurance"
Categories: Insurance | Types of insurance | Vehicle insurance
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Vehicle insurance
From Wikipedia, the free encyclopedia
(Redirected from Auto insurance)
Jump to: navigation, search
Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
NOTE: AUTO INSURANCE HAS BEEN A PREREQUISITE IN PURCHASING A VEHICLE.
Contents
[hide]
* 1 Public policy
o 1.1 Australia
o 1.2 Canada
o 1.3 South Africa
o 1.4 United Kingdom
o 1.5 United States
* 2 Coverage levels
* 3 Excess
o 3.1 Compulsory excess
o 3.2 Voluntary excess
* 4 Basis of premium charges
o 4.1 Gender
o 4.2 Age
o 4.3 Distance
+ 4.3.1 Reasonable estimation
+ 4.3.2 Odometer-based systems
+ 4.3.3 GPS-based system
+ 4.3.4 OBDII-based system
* 5 Auto insurance in the United States
o 5.1 Coverage available
+ 5.1.1 Liability
# 5.1.1.1 Combined single limit
# 5.1.1.2 Split limits
+ 5.1.2 Collision
+ 5.1.3 Comprehensive
+ 5.1.4 Uninsured/underinsured coverage
+ 5.1.5 Loss of use
+ 5.1.6 Loan/lease payoff
+ 5.1.7 Towing
* 6 See also
* 7 Notes
[edit] Public policy
In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.
A 1994 study by Jeremy Jackson and Roger Blackman[1] showed, consistent with the risk homeostasis theory, that increased accident costs caused large and significant reductions in accident frequencies.
[edit] Australia
In South Australia, Third Party Personal insurance from the State Government Insurance Corporation (SGIC) is included in the licence registration fee for people over 16.
In Victoria, Third Party Personal insurance from the Transport Accident Commission is similarly included, through a levy, in the vehicle registration fee .
[edit] Canada
Several Canadian provinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system while in the rest of the country insurance is provided privately. Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador. All provinces in Canada have some form of no-fault insurance available to accident victims. The difference from province to province is the extent to which tort or no-fault is emphasized.[2] Typically, coverage against loss of or damage to the driver's own vehicle is optional - one notable exception to this is in Saskatchewan, where SGI provides collision coverage (less than a $700 deductible, such as a collision damage waiver) as part of its basic insurance policy. In Saskatchewan, residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option.[2]
[edit] South Africa
South Africa allocates a percentage of the money from petrol into the Road Accidents Fund, which goes towards compensating third parties in accidents.[3]
[edit] United Kingdom
In 1930, the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance.
Today UK law is defined by the The Road Traffic Act 1988, which was last modified in 1991. The act requires that some motorists either be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.
Insurance which satisfies the requirement of the act, for those who require cover, is called third party insurance. It is an offence to drive your car, or allow others to drive it, without at least third party insurance whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991); however, no such legislation applies on private land.
Vehicles which are exempted by the act, from the requirement to be covered, include those owned by certain: councils and local authorities, national park authorities, education authorities, police authorities, fire authorities, heath service bodies and security services.
The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is indeed insured. The law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence.
Insurance is more expensive in Northern Ireland than in other parts of the UK.
Most motorists in the UK are required to prominently display a vehicle licence (tax disc) on their vehicle when it is kept or driven on public roads. This helps to ensure that most people have adequate insurance on their vehicles because you are required to produce an insurance certificate when you purchase the disc. However it is a known practice for some people to purchase insurance to gain the certificate and then to cancel the insurance and gain a full refund within the statutory 14 day cooling off period.
The Motor Insurers Bureau compensates the victims of road accidents caused by uninsured and untraced motorists. It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.
[edit] United States
In the United States, auto insurance is compulsory in most states, though enforcement of the requirement varies from state to state. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.[4] Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.
Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office in order to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.[5]
NOTE: IT IS VERY IMPORTANT TO KNOW THE COVERAGE OF YOUR INSURANCE.
[edit] Coverage levels
Vehicle insurance can cover some or all of the following items:
* The insured party
* The insured vehicle
* Third parties (car and people)
Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.
[edit] Excess
An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your car insurance policy. Normally the payment is made directly to the accident repair "garage" (The term "garage" refers to an establishment where vehicles are serviced and repaired) when you collect the car. If one's car is declared to be a "write off" ("write off" is commonly used in motor insurance to describe a vehicle the worth of which is less than the cost of repair), the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.
If the accident was the other driver's fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company. If the other driver is uninsured, a policy's minimum limits include coverage for the uninsured/underinsured motorist(s) at fault.
[edit] Compulsory excess
A compulsory excess is the minimum excess payment your insurer will accept on your insurance policy. Minimum excesses vary according to your personal details, driving record and insurance company.
[edit] Voluntary excess
In order to reduce your insurance premium, you may offer to pay a higher excess than the compulsory excess demanded by your insurance company. Your voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by your insurer, your insurer is able to offer you a significantly lower premium.
[edit] Basis of premium charges
Main article: auto insurance risk selection
Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.
When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based on statistical data. The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims.[6] Those factors can include the car characteristics, the coverage selected (deductible, limit, covered perils), the profile of the driver (age, gender, driving history) and the usage of the car (commute to work or not, predicted annual distance driven).[7][8]
[edit] Gender
Men average more miles driven per year than women do, and have a proportionally higher accident involvement at all ages. Insurance companies cite women's lower accident involvement in keeping the youth surcharge lower for young women drivers than for their male counterparts, but adult rates are generally unisex. Reference to the lower rate for young women as "the women's discount" has caused confusion that was evident in news reports on a recently defeated EC proposal to make it illegal to consider gender in assessing insurance premiums.[9] Ending the discount would have made no difference to most women's premiums.
[edit] Age
Teenage drivers who have no driving record will have higher car insurance premiums. However young drivers are often offered discounts if they undertake further driver training on recognised courses, such as the Pass Plus scheme in the UK. In the U.S. many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25. Senior drivers are often eligible for retirement discounts reflecting lower average miles driven by this age group.
[edit] Distance
Some car insurance plans do not differentiate in regard to how much the car is used. However, methods of differentiation would include:
[edit] Reasonable estimation
Several car insurance plans rely on a reasonable estimation of the average annual distance expected to be driven which is provided by the insured. This discount benefits drivers who drive their cars infrequently but has no actuarial value since it is unverified.
[edit] Odometer-based systems
Cents Per Mile Now[10](1986) advocates classified odometer-mile rates. After the company's risk factors have been applied and the customer has accepted the per-mile rate offered, customers buy prepaid miles of insurance protection as needed, like buying gallons of gasoline. Insurance automatically ends when the odometer limit (recorded on the car's insurance ID card) is reached unless more miles are bought. Customers keep track of miles on their own odometer to know when to buy more. The company does no after-the-fact billing of the customer, and the customer doesn't have to estimate a "future annual mileage" figure for the company to obtain a discount. In the event of a traffic stop, an officer could easily verify that the insurance is current by comparing the figure on the insurance card to that on the odometer.
Critics point out the possibility of cheating the system by odometer tampering. Although the newer electronic odometers are difficult to roll back, they can still be defeated by disconnecting the odometer wires and reconnecting them later. However, as the Cents Per Mile Now website points out:
As a practical matter, resetting odometers requires equipment plus expertise that makes stealing insurance risky and uneconomical. For example, in order to steal 20,000 miles of continuous protection while paying for only the 2,000 miles from 35,000 miles to 37,000 miles on the odometer, the resetting would have to be done at least nine times to keep the odometer reading within the narrow 2,000-mile covered range. There are also powerful legal deterrents to this way of stealing insurance protection. Odometers have always served as the measuring device for resale value, rental and leasing charges, warranty limits, mechanical breakdown insurance, and cents-per-mile tax deductions or reimbursements for business or government travel. Odometer tampering—detected during claim processing—voids the insurance and, under decades-old state and federal law, is punishable by heavy fines and jail.
Under the cents-per-mile system, rewards for driving less are delivered automatically without need for administratively cumbersome and costly GPS technology. Uniform per-mile exposure measurement for the first time provides the basis for statistically valid rate classes. Insurer premium income automatically keeps pace with increases or decreases in driving activity, cutting back on resulting insurer demand for rate increases and preventing today's windfalls to insurers when decreased driving activity lowers costs but not premiums.
[edit] GPS-based system
In 1998, Progressive Insurance started a pilot program in Texas in which drivers received a discount for installing a GPS-based device that tracked their driving behavior and reported the results via cellular phone to the company.[11] Policyholders were reportedly more upset about having to pay for the expensive device than they were over privacy concerns.[12]
[edit] OBDII-based system
In 2004, Progressive launched another pilot program to allow policyholders to earn a discount on their premiums by consenting to use its TripSense device. TripSense connects to a car's OnBoard Diagnostic(OBD-II) port, which exists in all cars built after 1996. The discount is forfeited if the device is disconnected for a significant amount of time.[13]
[edit] Auto insurance in the United States
[edit] Coverage available
The consumer may be protected with different coverage types depending on what coverage the insured purchases. Some states require that motorists carry minimum levels of auto insurance coverage in order to ensure that its drivers can cover the cost of damages to people or property in the event of an automobile accident. Some states, such as Wisconsin, have more flexible "proof of financial responsibility" requirements.[14]
In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles provided, do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party's policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident.
Generally, liability coverage extends when you rent a car. Comprehensive policies ("full coverage") usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured's vehicle. This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured's vehicle, assuming that a rental car may be worth more than the insured's vehicle. Most rental car companies offer insurance to cover damage to the rental vehicle. These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. These benefits are restrictive in terms of the types of vehicles covered.[15]
NOTE: IT IS EQUALLY IMPORTANT TO KNOW YOUR LIABILITIES AND OPTIONS.
[edit] Liability
Liability coverage provides up to a fixed dollar amount of coverage for damages that an insured driver becomes legally liable to pay due to an accident or other negligence. For example, if an insured driver drives into a telephone pole and damages the pole, liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company).
Liability coverage is available either as a combined single limit policy, or as a split limit policy:
[edit] Combined single limit
A combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combine single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver's car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
[edit] Split limits
A split limit liability coverage policy splits the coverages into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver's vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
Bodily injury liability coverage is also usually split as well into a maximum payment per person and a maximum payment per accident.
[edit] Collision
Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable. Collision coverage is optional. Collision Damage Waiver (CDW) is the term used by rental car companies for collision coverage.
[edit] Comprehensive
Comprehensive (a.k.a. - Other Than Collision) coverage provides coverage, subject to a deductible, for an insured's vehicle that is damaged by incidents that are not considered Collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of Comprehensive losses.
[edit] Uninsured/underinsured coverage
Underinsured coverage, also known as UM/UIM, provides coverage if another at-fault party either does not have insurance, or does not have enough insurance. In effect, your insurance company pays as would the at fault party's insurance company for your damages, Then would subrogate from the at fault party.
In the United States, the definition of an uninsured/underinsured motorist, and corresponding coverages, are set by state laws.
[edit] Loss of use
Loss of use coverage, also known as rental coverage, provides reimbursement for rental expenses associated with having an insured vehicle repaired due to a covered loss.
[edit] Loan/lease payoff
Loan/lease payoff coverage, also known as GAP coverage or GAP insurance,[16][17] was established in the early 1980s to provide protection to consumers based upon buying and market trends.
Due to the sharp decline in value immediately following purchase, there is generally a period in which the amount owed on the car loan exceeds the value of the vehicle, which is called "upside-down" or negative equity. Thus, if the vehicle is damaged beyond economical repair at this point, the owner will still owe potentially thousands of dollars on the loan. The escalating price of cars, longer-term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In many instances, this insurance will also pay the deductible on the primary insurance policy. These policies are often offered at the auto dealership as a comparatively low cost add on that can be put into the car loan which provides coverage for the duration of the loan.
Consumers should be aware that a few states, including New York, require lenders of leased cars to include GAP insurance within the cost of the lease itself. This means that the monthly price quoted by the dealer must include GAP insurance, whether it is delineated or not. Nevertheless, unscrupulous dealers sometimes prey on unsuspecting individuals by offering them GAP insurance at an additional price, on top of the monthly payment, without mentioning the State's requirements.
In addition, some vendors and insurance companies offer what is called "Total Loss Coverage." This is similar to ordinary GAP insurance but differs in that instead of paying off the negative equity on a vehicle that is a total loss, the policy provides a certain amount, usually up to $5000, toward the purchase or lease of a new vehicle. Thus, to some extent the distinction makes no difference, i.e., in either case the owner receives a certain sum of money. However, in choosing which type of policy to purchase, the owner should consider whether, in case of a total loss, it is more advantageous for him or her to have the policy pay off the negative equity or provide a down payment on a new vehicle.
For example, assuming a total loss of a vehicle valued at $15,000, but on which the owner owes $20,000, is the "gap" of $5000. If the owner has traditional GAP coverage, the "gap" will be wiped out and he or she may purchase or lease another vehicle or choose not to. If the owner has "Total Loss Coverage," he or she will have to personally cover the "gap" of $5000, and then receive $5000 toward the purchase or lease of a new vehicle, thereby either reducing monthly payments, in the case of financing or leasing, or the total purchase price in the case of outright purchasing. So the decision on which type of policy to purchase will, in most instances, be informed by whether the owner can pay off the negative equity in case of a total loss and/or whether he or she will definitively purchase a replacement vehicle.
[edit] Towing
Car towing coverage is also known as Roadside Assistance coverage. Traditionally, automobile insurance companies have agreed to only pay for the cost of a tow that is related to an accident that is covered under the automobile policy of insurance. This had left a gap in coverage for tows that are related to mechanical breakdowns, flat tires and gas outages. To fill that void, insurance companies started to offer the car towing coverage, which pays for non-accident related tows.
[edit] See also
* Alcohol exclusion laws
* Breakdown
* Extended coverage
* Insurance Information and Enforcement System
* No fault insurance
* Omnibus clause
* Public auto insurance
[edit] Notes
1. ^ Jackson JSH, Blackman R (1994). "A driving-simulator test of Wilde's risk homeostasis theory". Journal of Applied Psychology.
2. ^ a b Insurance Bureau of Canada
3. ^ Petrol Structure (HTML). Department of Minerals and Energy, South Africa. Retrieved on 2006-05-11.
4. ^ Virginia Insurance Requirements (HTML). Virginia Department of Motor Vehicles. Retrieved on 2007-11-15.
5. ^ Semmens, John. "Improving Road Safety by Privatizing Vehicle and Driver Testing and Licensing", Street Smart: Competition, Entrepreneurship and the Future of Roads.
6. ^ McClenahan, Charles. Ratemaking (PDF). Casualty Actuarial Society. Retrieved on 2006-05-11.
7. ^ What determines the price of my policy? (HTML). Insurance Information Institute. Retrieved on 2006-05-11.
8. ^ How Are Auto Insurance Rates Calculated? (HTML). Countrywide Insurance Services. Retrieved on 2006-05-11.
9. ^ "Women drivers' insurance threat" (HTML), BBC. Retrieved on 2006-09-05.
10. ^ Cents Per Mile Now (HTML). Retrieved on 2006-05-11.
11. ^ Progressive's "pay-as-you-drive" auto insurance poised for wide rollout (HTML). insure.com. Retrieved on 2006-05-11.
12. ^ Insurance program rewards drivers who drive less and slower (HTML). Aftermarket Business. Retrieved on 2006-05-11.
13. ^ New technology provides detailed info on driving habits (HTML). Minnesota Public Radio. Retrieved on 2006-05-11.
14. ^ Wisconsin Department of Transportation (2008-02-29). Chapter 344: Vehicles — Financial Responsibility (PDF). Wisconsin Statutes Database. Retrieved on 2008-04-04.
15. ^ Auto Rental Collision Damage Waiver Program Personal (HTML). Visa USA. Retrieved on 2006-05-11.
16. ^ Buying or Leasing a Car: What you should know (HTML). State of New York Banking Department. Retrieved on 2007-01-17.
17. ^ GAP Insurance (HTML). Washington State Office of the Insurance Commissioner. Retrieved on 2007-01-16.
Retrieved from "http://en.wikipedia.org/wiki/Vehicle_insurance"
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Online Auto Insurance
By: The Wild Investor Sunday, June 29, 2008 7:23 PM
Sectors: Personal Finance
Send Email Email View Comments Comments (0) Post Comments Post Comment
Bookmark It
Auto insurance can be one of the most annoying things to buy, but of course, through the use of the internet, there are services that are making it much easier.
NOTE: AUTO INSURANCE IS A MUST WHEN YOU PURCHASE A VEHICLE.
There are no cheapest providers, and what might be inexpensive for one person could cost more for another, so how do you find the best one for you?
OnlineAutoInsurance.com helps you easily compare insurance quotes between several different companies. All you have to do is put in your zip code, fill out the form, and a quote list is generated for you.
OnlineAutoInsurance.com helps consumers quickly and easily make a car insurance comparison from a variety of companies. Instead of calling around or visiting individual websites, complete one single questionnaire to instantly get back the rates of different insurers. Completing a quote comparison is an easy way to find cheap prices for the coverage your need.
NOTE: ONLINE AUTO INSURANCE WILL SURELY PROVIDE CONVENIENCE TO CUSTOMERS.
California auto insurance or any state for that matter can be found one the site.
Aside from just finding quotes, the site also houses a few articles so you know what you are actually doing or looking for. Although the site layout could be a little bit cleaner and presentable, it gets the job done for your auto insurance needs.
Your Rating: Current Rating:
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* Piper upgraded ATHR from Neutral to Buy
Jun 30, 2008 06:01 AM
* Piper upgraded TER from Neutral to Buy
Jun 30, 2008 06:01 AM
* Piper downgraded TWTI from Buy to Neutral
Jun 30, 2008 06:01 AM
Related Press Releases
* Journey to the Center of the Earth with THQ's New Game for Nintendo DS(TM)
Jun 30, 2008 05:46 AM
* The Definitive Agreement Between Strauss Group and TPG Capital was Signed Today
Jun 30, 2008 05:45 AM
* Electric Drives Market in the European HVAC Industry
Jun 30, 2008 05:45 AM
* Market Risk Analysis: Pricing, Hedging and Trading Financial Instruments, Volume III
Jun 30, 2008 05:25 AM
* A Report on the Changing Boundaries between Drug Delivery, Pharmaceutical and Biotechnology Companies out Now
Jun 30, 2008 05:18 AM
Popular Stories
* Chesapeake Announces 8 New Shales Plays
* Atwood Oceanics - a Beautiful Breakout
* Royal Bank of Scotland Puts a Scare into the Market?
* Merrill Lynch May Unload Blackrock Stake to Raise Capital
* Natural Gas 75% Gain Speeds Horizontal Drilling at Devon Energy , Range Resources (RRC)
Releated SEC Filings
* Form 4 STEIN ALFRED J For: Jun 27 (10K)
Jun 27, 2008 09:53 PM
* Form 4 MOK PETER T For: Jun 27 (10K)
Jun 27, 2008 09:50 PM
* Form 4 Halloran Kevin L For: Jun 27 (10K)
Jun 27, 2008 09:24 PM
* Form 4 DELEAGE JEAN For: Jun 26 (10K)
Jun 27, 2008 09:18 PM
* Form 4 BEGUWALA MOIZ For: Jun 25 (10K)
Jun 27, 2008 09:12 PM
Loading...
Online Auto Insurance
By: The Wild Investor Sunday, June 29, 2008 7:23 PM
Sectors: Personal Finance
Send Email Email View Comments Comments (0) Post Comments Post Comment
Bookmark It
Auto insurance can be one of the most annoying things to buy, but of course, through the use of the internet, there are services that are making it much easier.
NOTE: AUTO INSURANCE IS A MUST WHEN YOU PURCHASE A VEHICLE.
There are no cheapest providers, and what might be inexpensive for one person could cost more for another, so how do you find the best one for you?
OnlineAutoInsurance.com helps you easily compare insurance quotes between several different companies. All you have to do is put in your zip code, fill out the form, and a quote list is generated for you.
OnlineAutoInsurance.com helps consumers quickly and easily make a car insurance comparison from a variety of companies. Instead of calling around or visiting individual websites, complete one single questionnaire to instantly get back the rates of different insurers. Completing a quote comparison is an easy way to find cheap prices for the coverage your need.
NOTE: ONLINE AUTO INSURANCE WILL SURELY PROVIDE CONVENIENCE TO CUSTOMERS.
California auto insurance or any state for that matter can be found one the site.
Aside from just finding quotes, the site also houses a few articles so you know what you are actually doing or looking for. Although the site layout could be a little bit cleaner and presentable, it gets the job done for your auto insurance needs.
Your Rating: Current Rating:
More Articles by: The Wild Investor
More Articles on: Personal Finance
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Detroit, MI, June 22, 2008 --(PR.com)-- Pure Visibility experts announce three new courses to teach businesses to attract web customers. In this economy, with the price of transportation rising, small, medium, and large businesses are looking to find cost efficiencies yet maintain their marketing and sales presence. Pure Visibility's new course offerings help businesses make their internet marketing and web development spending smarter, more productive, and better targeted.
Paid Search Class helps businesses refine their internet marketing strategies and tactics
The Google AdWords Success Workshop is designed to help businesses generate more sales/leads online (get more customers), manage a pay per click campaign efficiently (spend less per new customer), and maximize the return on your advertising investment. In addition, the course emphasizes how to write winning ad copy and how to make landing pages more effective. It's a one day hands-on training session held once a month at the Pure Visibility office in Ann Arbor, Michigan.
NOTE: GOOGLE ADWORDS SUCCESS WORKSHOP IS DEFINITELY HELPFUL TO INCREASING SALES IN BUSINESSES.
Next open dates: 7/11, 8/7
Google Analytics Class helps businesses understand their website traffic patterns
This course is a one-day hands-on workshop that provides a foundation of proven principles that will help attendees succeed in using Google Analytics to improve their site's performance. Attendees will learn to translate Analytics to achieve their business goals. They will learn which metrics and reports should be paid the most attention and how to leverage them for increased site traffic and sales. Attendees will then be able to optimize their site's success by tracking what's working and what's not. The class is held once a month at the Pure Visibility office in Ann Arbor, Michigan.
Next open date: 8/8
Free intro to search marketing course
This no-charge group session will be informal – after a brief overview of search marketing activities, Pure Visibility will open the floor to answer questions from attendees. Pure Visibility will provide donuts, a space to meet, and search engine marketing expertise. Topics may include natural/organic vs. paid search, website traffic, converting visitors, and social media.
Next open date: 8/22
About Pure Visibility
Pure Visibility (http://www.purevisibility.com) is an Internet marketing company based in Ann Arbor, Michigan, dedicated to growing businesses by connecting them to new qualified prospects online. Pure Visibility's Own Page One™ methodology starts with a commitment to understanding the distinctive positioning of each customer, and surfacing those qualities to receptive audiences through industry-leading analytics based processes. Dedicated to discovering industry needs—and innovating to fill them—Pure Visibility's combination of creativity, knowledge, and resolve to provide unbiased information on Internet strategies and techniques has earned them the rare combined status of both a Google Analytics certified consultant and AdWords certified company.
Links:
Pure Visibility, Inc.: www.purevisibility.com
AdWords Class: http://pvadwordsworkshopjuly11.eventbrite.com
Analytics Class: http://pvanalyticsworkshopaug8.eventbrite.com
Search Marketing Intro Course: http://pvdonutsaug22.eventbrite.com
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Contact Information
Pure Visibility, Inc.
Mike Beasley
734 213 8100
press@purevisibility.com
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