How to Save Money on Your Calls While You Travel

1) PLAN AHEAD

If you know you will be traveling in the near future, start planning for it. Many calling providers have special plans for use abroad . If your provider does – you might want to use it. Typically, they offer an add-on for a small charge a day. If you are the type of person that spends a lot of time on your phone, it is probably worth it to go for that add-on to your regular plan. Just remember to stop it when you get back, you do not want to be paying that extra charge forever.

If you provider does not have an international add-on or you do not want to use it, there are still plenty of other options to call your home town while you are abroad at a cheaper rate.

Consider buying a local SIM when you are abroad. This is an excellent solution if you travel to the same place often or if you are going to stay in the same place for a long time. When you buy a local SIM card in the place you are visiting, you will usually pay for a bundle of minutes and the price will probably work out a lot cheaper than using your regular phone plan plus you will not need to pay roaming (in Most countries).

If you have a locked phone, you will not be able to use a foreign SIM card without unlocking your phone first.

You can also buy a local calling card which you can then use to call from hotel phones, pay phones … Calling cards are not that popular anymore these day, but if you need a solution for cheap international calling then they are a good option . Also here you have the advantage that there are no roaming costs.

2) WHEN YOU ARE ABROAD

Whenever you need to make a call, think of what you want to say beforehand . This will usually make your call shorter and it will also prevent you from forgetting to say something and then needing to call back.

Text messages are cheaper than calls, so sometimes it may be worth it to send a text message instead of calling , if it is just a short message you need to give over. Remember that text messages are free to receive while calls are not. If someone needs to tell you something, ask them to text instead of call.

Beware though that a back-and-forth text conversation will probably work out the same price as a phone call.

Even if you do not call abroad, you need to pay for incoming calls – so you need to pay when people call you and also some provide make you pay if someone leaves you a voicemail while you are abroad (depending on the country you are In).

You can eliminate at least one of these problems by deciding – do you want people to be able to contact you while abroad or do you want to enjoy you holiday in peace and quiet without being disturbed by anyone calling?

If you do not want to speak to anyone, divert all your calls to voicemail . This way you will not be charged for roaming. You might have to pay if anyone leaves a message for you though.

If you do want to stay in contact with people and answer calls, then disable voicemail . This will eliminate any charges for voicemail (if applicable) and when your phone rings you will be able to see who is calling and decide if you want to answer of not. If you answer you will need to pay roaming charge and if you do not answer, there will be no charge.

Do not listen to voicemail when you are abroad unless you really have to. Calls to voicemail are charged at the same rate as regular calls so you can end up paying a lot of money for just listening to your voicemail.

3) DATA AND WIFI

For many people, high phone bills when abroad do not actually come from speaking on the phone that much, but rather from high data usage. When abroad, your provider will charge you a high rate per megabyte used. If you need to use the internet then by all means use free WiFi when possible, there are loads of places where you can get free WiFi. Some hotels offer you internet at a small charge but that will probably still be cheaper than using mobile data. Just to make sure your phone does not switch to data automatically, it is best to switch off your data for the duration of your stay.

If you are using your phone for GPS and need to download maps, do so before your trip or when you have WiFi. Many navigation programs allow you to download the map beforehand and once it is downloaded no internet is needed for the navigation itself.

4) INTERNET CALLING

Many people these days are turning to internet calling when they are abroad as it offers so many benefits. Internet calls are practically free if both end users are on the same network and provided there is WiFi. If there is no WiFi then you need to count in the cost of data. If both users are not on the same network, then there is a small charge for using VoIP but it is still a lot cheaper that using your regular phone plan.

So obviously the price is a major factor as to why people use VoIP when abroad. But also, VoIP is not connected to a physical place so it can be taken anywhere. Think of business people who want to keep the same number when traveling. With a business phone this would be impossible but with VoIP, people can call you anywhere if you have your mobile / PC with you and there is no roaming charge.

In addition, many VoIP service providers offer features that are not offered with standard phone plans. These may include video calling, sending locations, group chats, and more

There are different types of internet calling:

• Phone to phone calls – using regular phones, VoIP adapters are used to connect the phones to the internet. If both end users are on the same network – the call will be free. If they are on different networks – there will be a small charge.

Calls can also be made using IP phones instead of VoIP adapters to make the calls.

• PC to PC calls – using an app to make calls between PCs.

If the person you are calling has the same app on his PC – the call will be free. If the person you are calling does not have that app there will be a small charge.

• PC to phone calls – make calls from PC to a phone.

If you are calling a phone on the same network the call will be free. If the phone is not on the same network, there will be a small charge.

• Mobile to mobile calls – using an app to make the calls between the mobiles.

If the person you are calling has the same app on his PC – the call will be free. If the person you are calling does not have that app there will be a small charge.

Many apps also allow you to call mobile to PC and PC to mobile.

Whatever type of calling you use while abroad, if you plan a little before your trip you definitely save yourself a lot of money in the end

RMS Titanic Insurance Claims

It is exactly 100 years since the pride of the White Star Line, the RMS Titanic, hit an iceberg in the Atlantic Ocean and sank with the loss of over 1500 lives.

The centenary has prompted many insurance companies on both sides of the Atlantic to publish documents relating to the greatest maritime loss to date in relative costs, mostly showing their company’s involvement with claims payouts.

When the Titanic sank on the 15th of April 1912, the Lutine Bell was rung at Lloyd’s of London, and a very rapid claims process was begun.

A few months earlier the ships owners, the White Star Line, had instructed insurance brokers Willis Faber and Co. to find cover for the hull, cargo, contents and personal effects of the ship. Willis Faber passed the ‘slip’ to their Lloyd’s mercantile division where it was assessed and subsequently underwritten by multiple syndicates and insurance underwriters acting on behalf of members.

The Titanic’s hull was insured for total loss for $5 million or just over one million pounds sterling at the exchange rate of the time. The policy also included total loss cover for cargo at $600,000 and contents at $400,000 a value equivalent to two hundred thousand pounds.

The original broking slip passed around Lloyd’s has been lost, but was photographed and can be seen in Wright and Fayles book of 1928 called ‘A history of Lloyd’s’. It shows that seven large insurance companies took nearly forty percent of the risk between them and the other sixty percent was underwritten by over seventy individuals and Lloyd’s ‘Names’.

According to documents recently released by Willis the marine insurance policy cost White Star £7500 or $38,000 to insure the Titanic at a rate of 15 shillings per hundred. Modern day rates for cruise liners are considerably lower.

The Ship was considerably underinsured for a value of only five-eighths of its replacement cost. This was apparently because the owners thought the hull to be unsinkable and were prepared to bear the additional $3 million dollars of risk themselves.

Willis state that despite the owners belief in the vessel being unsinkable, they had trouble placing all the hull cover at Lloyd’s and some forty thousand pounds was underwritten in Germany. There was also an extremely high excess or deductible of 15% of the insured value.

Four days after the Titanic sank the US senate held a preliminary investigation at the Waldorf Hotel in New York. The surviving officers of the ship presented their evidence to the panel describing the events of the sinking and signed what is called a ‘protest’ which enable insurance claims to be paid.

Incredibly White Star were reimbursed for the loss of the hull within seven days of the sinking, presumably minus the excess, and fully paid up on cargo and contents losses within thirty days.

They were however grossly underinsured for their liability to others given the value of the people on board. Claims against the company exceeded their cover by over $1 million and whether they had private P and I accident cover for their staff liability, remains a mystery. Suffice to say that payouts to families of lost members of the crew, were paltry.

Claims for the loss of people amounted to in excess of five times what the value of the ship was worth, for those lucky ones who happened to have had life insurance policies or had taken out travellers personal accident cover. Although no disputes about loss of life occurred, families had to wait a lot longer than White Star for compensation.

The final payout for human losses has never been fully asserted as over one hundred and fifty different life of accident insurance companies were involved in cover, on both sides of the Atlantic. American companies took the bulk of the claims, due to the many rich entrepreneurs and millionaire family members who were drowned.

The total loss is estimated to be in the region of $20 million and one of the largest payouts was by the Travelers Insurance company of Hartford who paid out a life policy for over $1 million.

The sinking of the Titanic also brought about the first and only insurance claim for a car being hit by an iceberg, by a Mr William Carter who claimed five thousand dollars for his 25 horse power Renault, lost at sea.

The Importance of Your eCommerce Site for Your Business

It is plain to see why a poorly designed website can be a major problem to online businesses, most especially during the holiday season, which covers 20% to 40% of the yearly sales.

In this regard, those who need data validation can refer to the stats that explain the importance of your brand's presence on the Internet:

  • Before people shop at a physical store, they often check websites of online stores.

  • Customers search online for the prices and availability of goods so they would know whether to shop online or at physical stores.

  • During an economic crisis, consumers exercise caution when shopping online to stretch their budget, resulting to an increase of website traffic.

  • Shoppers that tend to purchase downloadable gifts like eBooks, music and FB credits, among others, will likely buy more.

Optimize Your Online Site Immediately

Now that you are aware of your site's importance, what should you do before the holiday season approaches? It is never too late to try some of these strategies:

Prepare for unexpected traffic.Plan ahead of time to make sure that your site can manage all the orders. Anticipate peak loads, observe the responsiveness of your site and assessment application performance way before Cyber ​​Monday.

Increase the speed of your site. Use a CDN (content delivery network) for a speedy delivery of relevant content with videos and images to your consumers.

During the holidays, most shoppers use their mobile devices to search online before heading for the stores. Therefore, it would be wise to incorporate an in-store experience with info regarding your well-timed and relevant personalized website and mobile apps.

Find ways to let the customers easily find your products on the web. To improve exposure, submit a feed to the top online shopping comparison engine, Google Product Search. Try the Amazon Marketplace or add pay-per-click ads to Amazon Product Ads' product and category pages. This way, shoppers will be able to view your ads when they find products that are similar to yours.

Although social media is not the main channel for searching, it has targeted the main stream and has since gained importance, specifically to GenY shoppers. Transform visitors into sales channels by including social sharing in product pages. Display good customer service in public by resolving issues with customers on networking sites like Facebook or Twitter.

People who are low on budget usually search online before buying, so it is a good idea to follow the example of various sites in making it fun, simple and efficient to shop on the web. Provide product filters, rich product details, comparison tools, well-designed navigation and recommendations. Enhance the images of your best-selling products, emphasize your value propositions and make sure that shipping and return policies are clear.

Fix your leaky conversion funnel immediately by adding simple and cost-efficient website usability and feedback tools.

Whenever possible, ask for the visitor's email address and try to squeeze a lot of value out of each sign-up.

Try to employ remarketing campaigns so you can target consumers who take time to buy.

What is Internet Marketing? Define Internet Marketing

What is Internet Marketing? In broad terms Internet Marketing refers to promotion of commerce or business through the Internet medium. It is the way in which products or services are promoted and sold over the Internet. Internet marketing, also called web marketing, online-marketing and even “i” or “e” -Marketing uses the Internet to deliver all types of media to a global and even local market. The relatively low cost to disseminate information to a global audience makes it very unique compared to marketing of the past.

The interactive nature of the Internet has forced the evolution of its marketing strategies to include specialist skills to deal with the instant response and eliciting responses now present with this unique medium. A device must be included in your Internet marketing system to accommodate this instant response.

The term is also inclusive of the post-sale relationship between a business and its customers because it encompasses digital customer data management and electronic customer relations. It is widely used in the business world today and referred to as ECRM – Electronic Customer Relationship Management. This makes the scope larger as it refers to the on-going relationship supported by the Internet, e-mail, and wireless media.

Internet marketing ties together the technical and creative aspects of the Internet including design, branding, promotion and advertising, as well as sales. Here are three main objectives to help define Internet Marketing:

(1) Deliver a company’s message or presence in a marketplace. Branding its culture, mission and value as well as educating or detailing its products or service via the computer screen.

(2) Collect data research not limited by demographics, individual preferences or past requirements of both existing customers and (different groups, classes, stereotypes, etc.) as potential new customers.

(3) The actual selling, collection of fees, tracking of distribution and follow up of goods, services, or advertising space over the Internet.

The way in which one reaches out via the Internet to its prospective client is through different strategies. The more popular Marketing Strategies utilized by Internet Marketers are Social, Content and Paid marketing approaches. Each has their own attributes as well as limitations or short-comings.

There are several Business Model terms associated with Internet Marketing.

E-COMMERCE (electronic-commerce) refers to business over the Internet. Web sites such as Amazon.com and eBay are all e-commerce sites. The two major forms of e-commerce are Business-to-Consumer (B2C) and Business-to-Business (B2B). So, while the neighborhood baker doesn’t sell his cupcakes on the Internet, he utilizes the benefits of the Internet to search and find the supplier with the best price for flour.

LEAD-BASED WEBSITES are organizations or groups of websites that create value by capturing prospective clients or sales leads from the Internet to be utilized by or sold to a third party.

AFFILIATE MARKETING is a process in which a product or service is promoted by many people or entities that receive a percentage of the profits when the product is purchased. The Affiliate did not develop or produce it themselves. The owner or producer of the product has authority over whom and how their product is sold and customarily provides the “affiliate” with marketing materials; i.e. Website links, capture pages, and banner ads that have encoded tracking – the device used to ensure the affiliate gets credit for the sale.

LOCAL INTERNET MARKETING is the process used by a company with a “local customer base” that traditionally sells by warm market referrals, signage, location visibility, and utilizing the Internet to find and cultivate relationships with potential customers to later interact with offline.

BLACK HAT MARKETING is a form of Internet marketing or search engine optimization (SEO) commonly referring to the practice of using unethical techniques or employing deceptive, abusive, or less than truthful methods to make your search rankings go up to drive more traffic to your website.

The birth and growth of Internet marketing has also made a mark on the “personal worlds” of many individuals. With Internet Marketing offering individuals infinite ways to promote and market themselves, products, services and opportunities, the world of home-based-business has exploded.

Initially for the person that desires to capitalize on this medium for their own person commerce, Internet Marketing can be confusing or even overwhelming for most. Each method seems to have its own language to decipher and obstacle to overcome. A system or platform to manage all of these strategies can be very useful if it includes support training. It’s best to only choose 1 or 2 initial strategies to focus on at one time. The best strategy for one person may not be the best strategy for you. Most important is that you discover the strategy that you like most and are comfortable performing. If you enjoy the process you will be certain to be better at it. And the better you are at it, the more likely you’ll become consistent with its implementation. You will find that the strategy you choose is much less important than your ability to do it consistently in order to achieve results.

I agree it can seem overwhelming at times, but actually the process can be quite simple if you focus on just one strategy at a time. There are unlimited training courses, Internet tools, websites and programs to help you be more effective and efficient in each category or strategy you choose. Having someone to help guide you through the process, pointing out which tools and programs offer the most help, not only will save your sanity, but also can save you hundreds of hours and thousands of dollars in the process.