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Friday, December 7, 2012

Why You Need Emergency Evacuation Insurance

Whenever you travel outside the country, it is essential that you have travel insurance. Such insurance will pay for your medical treatment should you become ill or are injured in some way when you are there. However, most travel insurance policies will pay for your treatment in that country, which may not be up to the standards of hospitals in the western world. This is why you do need to have emergency evacuation insurance instead.

There are three companies that offer this type of travel insurance. You do have to check out which company covers where you live. Residents of Canada and the United States can enroll in Medjet as well as people from those countries living in another country for part of the year. TravelGap Voyageur and Worldwide Trip Protector Lite are the other two providers but they cover US residents only.

There are good and bad points to each company. For example with Medjet, medical expenses outside of the cost of the flight are not covered at all. Travel Gap provides coverage up to $1 million up to age 74 and Worldwide allows $10,000 per person, but you have to add this option when you take out the insurance.

When it comes to choosing where you will be treated, Medjet will transport you to the hospital of your choice. Travel Gap allows a cost of $500,000 per flight so if that is not enough to bring you home, you have to settle for the nearest hospital to where you live. Worldwide has a cap of $100,000 and states that it will evacuate you to the nearest medical facility. However, if you are hospitalized outside the US and remain in hospital for a week, the company will evacuate you to the US.

If an insured person should pass away while out of the country, Medjet will return the remains to the person's home. Travel Gap charges $25,000 for this service and Worldwide includes this in emergency evacuation. Having family around you when you are ill in a foreign country is important, which is why Medjet will allow those travelling with you to return home on the same flight. This is not part of the policy in the other companies.

In some cases injuries sustained in sporting activities are covered under the policy or you may have to pay extra for the coverage when you take out the policy. It is up to you to decide which one is right for you, but at first glance it appears that Medjet is the choice most consumers make.

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Why Travel Insurance Is Essential for an Overseas Trip

An oversees holiday is a time of great enjoyment and it seems a shame to think about the things that can go wrong, but just because you are in another country there is no reason to assume that you are less likely to fall foul of any of the dangers of everyday life. Theft, loss and medical emergencies are at least as likely to affect you when on holiday, and the experience will be even more traumatic if you are not covered and have to bear the full weight of any financial losses. Instead of seeing travel insurance as an unwelcome expense, remember that what you are paying for is the peace of mind that will allow you to relax and enjoy your holiday, without worrying how you will cope if something goes wrong. Travel insurance is a vital part of any overseas holiday, whether you are a fit young backpacker, an elderly traveller joining a group tour or a young family on a resort holiday.

If you are still not convinced, take a look at these reasons why you might need travel insurance.

1) Medical Australian government statistics tell us that each year Australian Consulates deal with 900 deaths and 1200 cases of overseas travellers being hospitalised. Hospitals in South East Asia can cost up to $1000 per day and if the traveller has no insurance cover then they are likely to be wholly responsible for the cost. The same government statistics point to approximately 50 medical evacuations per year. When you consider that you might have to pay $100,000 to be evacuated from the USA, you can see how important it is to be insured.

2) Loss Things get lost when you are travelling. Baggage gets lost at airports and wallets get stolen when you are sightseeing in unfamiliar cities where you are not as streetwise as you would be at home. As long as you have insurance cover however there is no need to be paranoid. Losing your property is always frustrating, but having insurance is the difference between a temporary inconvenience and an expensive disaster that could ruin your entire holiday.

3) Flight Cancellation Flight cancellations are quite common and extremely stressful. At the very least you can find yourself hanging around at an airport for hours. If you have connecting flights or transfers, the knock on effect can be much worse -- and very expensive. Even if you don't, you may find that you suddenly need to arrange extra accommodation at the last minute, or you might miss out on one or more nights accommodation already paid for at your destination. Take out basic travel insurance and you will be covered for each of these problems.

4) Acts of Nature If you get stranded overseas as a result of an act of nature such as a hurricane or typhoon, you may be covered by your insurance. If you are going to an area with a high risk of such phenomena it is a good idea to make this a priority when choosing your policy, as it is not always covered.

5) Personal Circumstances Unforeseen circumstances in your personal life might mean that you have to cut short your trip, or even postpone it completely. You never know when you are going to fall ill or suffer a family bereavement. Travel insurance will allow you to recover some of the costs of your postponed or curtailed holiday.

Far from being a necessary evil, travel insurance is a safety net to ensure that you do not find yourself unnecessarily out of pocket as a result of your overseas holiday. It doesn't need to be expensive either. There are plenty of cheap travel insurance deals available, so there is no reason ever to leave home without it.

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Music Business Contacts: Music Business Registry connects artists, managers, publishers, producers &

"The difference between success and failure is information," notes Ritch Esra, and he should know. Along with his partner, Stephen Trumbull, Esra is a leading part of the number one most-reliable source of information on "who's who" and "who does what" in the music business. Best of all, they can tell you where everybody is located.

FIVE VOLUMES OF DATA.

The Music Business Registry (http://www.musicregistry.com) publishes five directories: the "A&R Registry," the "Music Publisher Registry," the "Music Business Attorney Registry" the "Film and Television Music Guide," and the "Record Producer and Recording Engineer Directory." For many in the business, these are indispensable reference works.

"The directories give everyone vital, accurate and the most up-to-date information they need to contact the entire A&R, music publishing, legal and film/TV music communities," Esra states. From comparing notes with dozens of professionals in all of these areas of expertise, I can tell you that no one disputes his claim.

More than one music industry executive has told me that the Music Business Registry publications are worth their weight in platinum. Tess Taylor, president of NARIP (National Association of Record Industry Professionals), says "I couldn't get through one day without the directories from the Music Business Registry. These publications are the finest in the business."

Each directory tells you how to reach industry professionals by regular mail, e-mail, direct dial telephone and fax. The books provide each person's exact title, street address, the name of their assistant and the styles of music in which each executive specializes. Web sites are also included.

UPDATES? YOU WANT UPDATES?

The world of the A&R executive is exciting but ever-changing. Which is to say, there's a lot of turnover in this part of the industry. So much turnover, in fact, that the A&R Registry is completely updated and reprinted every eight weeks, whereas the publisher volume is biannual and the other books come out yearly.

NEED A PRODUCER? HERE ARE 1,700 OF THEM!

Created in partnership with RPM Direct, the "Record Producer & Recording Engineer Directory" presents 1,700 of today's leading Record Producers, Recording Engineers & Remixers throughout the US, Canada and Europe in every genre of music. Included in the book are:

(1) Complete contact information for every Producer, Remixer & Recording Engineer along with a list of their credits.

(2) Producer/Engineer/Remixer Management Companies including a complete staff listing as well as full client rosters.

(3) A Complete Index to easily locate any producer.

(4) Several Interviews and articles with today's leading Producers & Engineers.

No wonder you can find the Music Business Registry's publications in the offices of top record company executives, music publishers, artist managers, agents, music attorneys, recording artists, studios and other music business professionals everywhere from Los Angeles to London, New York to Nashville, Chicago to Copenhagen, Toronto to Tokyo, Stockholm to Sydney and Minneapolis to Munich.

YOUR SEARCH BEGINS HERE.

The Music Business Registry is located at 7510 Sunset Blvd #1041, Los Angeles, CA 90046-3400. Phone: 800-377-7411 or 818-995-7458. Fax: 800-228-9411 or 818-995-7459. E-mail: ritch@musicregistry.com.

Music Business Contacts: Music Business Registry connects artists, managers, publishers, producers & Music Business Contacts: Music Business Registry connects artists, managers, publishers, producers &

3 Ways To Making Money On The Internet

There are people who want to retire from their offline work as soon as they reach the age of 40 or even younger. They would rather start a home based business where they can work comfortably in their own homes. It is a wonderful idea and if only the government would provide pointers on this. Working from home can mean having something you can call as your own where you are the boss of your Internet business. If you are thinking on how you can earn money on the internet, then you can surely benefit from this topic.

1. Affiliate Marketing in short

One way to make money online is to have an affiliate marketing business. Actually, this marketing business has long been introduced around the world and is proven to yield high affiliate revenues. But how does this online business work? Affiliate marketing is an online tool where you can earn money and is considered one of the cost-effective programs known today. There are several ways related to the business that you can try.

Some of which is so simple and effective, producing an income that you have never earned from offline work before as an employee. If you are in the industry, then you are called an affiliate. An affiliate is paid either through "per-click" or "per-sale" basis. Once an affiliate has brought a customer or visitor to join the marketing team or business, he or she is then paid for this effort. It is never said that this kind of job would be the easiest business available online. Just like in any other work, you have to work really hard and put extra time and resources for any work that you may have.

2. Selling goods and services online

Another way to make money online is by selling products like gadgets, delicacies, clothing and even properties online. This method of making money online is one of the most accepted businesses to earn money on the Internet available today. Just by having a computer, an internet connection, and a product to trade, you are already eligible to join this industry.

You can also offer the people your services like repair of items or writing them some topics or anything that you can deliver to the buyers. Nowadays, you can almost find anything online and more and more people are becoming aware of shopping online where they find it more advantageous and convenient to buy through online than offline.

3. Outsourcing

Joining some business processing outsourcing networks online is also a good idea. Now that almost any work can be outsourced, you will see that there are hundreds of online sites and thousands of available jobs that you can apply online. Additionally, the remuneration is also good if not better than what you can get from working in the offline setting.

If you have no idea on what online jobs you can get to become your source of income, then you can ask help from several online sites on the Internet. You can also attend programs that provide education about how to open an online business and how to keep it booming. You can learn about ways to gain financial independence and materialize your dreams through the Internet.

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Affiliate Marketing Strategies: Why You Need Three Key Ingredients To Make The Sale

Affiliate marketing can be a challenge. You may spend hours or even days doing your market research and digging up the right product. But once you send traffic to it, nothing much happens. What to do? Here's a three-step process that can help you improve your odds.

The Right Target Market

The key of course is to do the research and target the "hungry" market that is desperate for a solution to a pesky or persistent problem. That's a great start, but you need to check one more thing before you go crazy promoting your product:

Can that target market afford the product? And have they demonstrated the willingness to purchase products. Those aren't necessarily the same thing! And you need BOTH if you want to be successful.

The Warm-Up

Once you've made sure you have the right target market, it's time to warm up your visitors before sending them on to the sales page. What does that mean, and how do you do that?

It means to make them eager to purchase the solution to their problem, and purchase it now, from you. You've managed to assure them that what awaits them on the other side of the "BUY" button is exactly what they were hoping for.

And how do you do that? You can either create a special landing page where you work them into a froth of desire. Or you can create a special report where you essentially do the same thing.

You give them solutions, thereby demonstrating your trustworthiness, and you point out that they would definitely want the other solutions you have for them as well.

The Follow-Up

Finally, you follow up. How are you going to do that, you may wonder? You have to set up a squeeze page, i.e., a contact information collection form, where your prospects can sign up for your list.

Of course, these days, people are about as eager to sign up for a new list as they are to get their teeth cleaned at the dentist's. You need to give them something they really want in return. Like a great smile, if you're a dentist. Or an answer to a pressing question, if you're a marketer.

So when I mentioned the special report under "Warm-Up" that was exactly what I was referring to. The report is the ethical bribe. You should make sure you offer something your target audience wants, so they willingly give up their email address in return.

And then, you follow up, with more tips, a special offer or even a bonus. And before you know it, you're making sales.

Selling Products Through an Affiliate Program

Probably the most powerful methods to advertise online is affiliate marketing. It is additionally considered one of the simplest strategies for any individual with a website to generate income. Affiliate Marketing is basically an arrangement between a merchant and a website owner. The website owner, or the affiliate, permits the product owner to use their site to promote their products by linking back to the merchant's website. In return, the merchant will pay a commission to the affiliate on all sales generated from the affiliate's website. Whenever someone clicks on your affiliate link and purchases the product, you will receive a commission payment. The affiliate is normally paid only when a customer clicks on the product link and buys.

Affiliate marketing programs are a win-win scenario for both the merchant and the affiliate thanks to the pay-for-performance system. This supplies the product owner with a more expansive marketplace through which to promote a product or service. The affiliates can give the product or service the highest feasible visibility that it may not receive with other conventional advertising methods. The more affiliate a vendor has, the larger the traffic, which will transform to sales. Affiliate marketing is equal to possessing an army of sales reps who is going to do the advertising and marketing and will simply obtain a payment if a customer buys.

Given that an affiliate marketing partnership is a win-win scenario, the affiliate also relishes numerous advantages. The effortless method of generating an income is the primary advantage. The affiliate can make a profit by having an ad or link to the merchant's website, which potential clients will ideally click and make a purchase. The minute the customer clicks on the ad on the affiliate's site, he/she is sent straight to the merchant's website and proceeds to invest in that specific product, the affiliate generates a commission payment. The more recommendations there are the more revenue for the affiliate.

Affiliate marketing is a fantastic method to make an income while at home. There are practically no manufacturing expenses. The product is already created and established by the merchant, and all you need to do is to locate numerous potential customers that will generate revenue for both parties. Affiliate programs are normally free of charge to participate in, so affiliates don't need to be concerned about start-up expenses. There are countless products and services you can select. You can come across affiliate programs for just about every product on the planet. I'm sure there is a product or service on the market that is pertinent to your website.

On top of that, no sales expertise is required. The majority of affiliate programs provide outstanding assistance when it pertains to supplying marketing materials. The convenience of affiliate marketing enables you to be an affiliate marketer at the minimum expense and the best comfort. It is possible to even develop a profitable affiliate marketing business directly in the comfort of your own home. Your obligation is merely to locate potential customers for the merchant; you don't need to be concerned about stock, order processing, and product shipping. Together with customer service support, these are the responsibilities of the merchant.

You can conveniently locate countless potential clients as a result of the global expansion of the internet. It is possible to accentuate your advertising strategy by taking advantage of more intense and profitable approaches like viral marketing. By bringing in more leads, you also increase your possibilities to generate profit. The minimal risk included is a further advantage of being an affiliate marketer. If the product you are advertising is not being profitable then you are able to dispose of it and select a different one. There are no long-term binding agreements attaching you to products that are not creating enough revenue.

However, the greatest reward of being an affiliate marketer is the chance to maximize your cash flow; and you can create revenue whether or not affiliate marketing is simply a part-time business. With your very own affiliate business, you can quickly generate additional cash flow, despite the fact that you do have to put in hard work and make use of your creativeness to increase your earning possibilities. Selling products through an affiliate program is without a doubt among the easiest and most successful business possibilities on the internet today.