Pet Insurance Horse Coverage

Many people board horses and often pay high expenses to cover the pets. Dogs, cats, and other household pets often go without care because the owners cannot afford to pay the medical treatment and medicines to care for the pets. Horses are more expensive than common pets, but the laws state that these creatures need medical treatment and vaccines, thus what can an owner do. Owners can take out pet insurance policies that will cover the pets 80/20 in most instances. Horses undergo various different ills than common pets, thus, special coverage is needed for these beautiful creatures.

The Internet has a wealth of resources that specialize in pet insurance, including horses’ coverage. Few owners may have other types of pets that will need specialized coverage, including goats, cows, hermits, pigs, mice, guinea pigs and so forth. While most insurance coverage plans will not cover many of the different household pets, few will offer coverage to common pets, including horses.

Horses are high maintenance critters that require special coverage. Thus, the Internet is open to suggestions, making available horse policy that will offer a generous amount of coverage to owners. Few policies will cover dental work, including coverage for both pet and owner. The policy will offer “personal accidental” coverage, and so forth. The downside is these insurance policies often cost more in premiums than standard insurance policies. Since we are dealing with a huge high maintenance animal, the premiums are higher, since the company will be paying out a fortune for vet care.

One of the common laws regarding horses that apply to owners in various states is the Equine Warning Laws. These laws protect horses and owners against liability, damage, and so forth. The owner is responsible to put up Warning Signs to warn the visitors that accidents/incidents can happen and direct them to safety, plus telling them, they are not reliable if the visitor fails to adhere to the warnings. Not every state has this law to protect homeowners; therefore, the owner would be wise to look for Pet insurance that will cover liability. Pet insurance coverage for horses will often cover the pet and the objects used for the pets needs, including horse trailers. The policies will cover theft, damage, loss, and so forth.

What horse insurance covers

Each policy is different, but few company’s will cover liability, death, stables, personal accidents, theft, riding liability, ‘loss of entry fees,’ hire in for horse maintenance, dental, straying, saddles, tack, vets charges, and so forth. Some of the leading claims filed for horse care are death accident/illness, vet fees for accident/illness, tack and saddler fees. Few providers offer comprehensive coverage to horses extending the coverage to more than forty different states. Thus, pet insurance for horses can offer advantages to owners that transport their horse out of state for shows, trades, and so forth.

Filing Claims

Many of the claims are similar to standard forms, however few companies’ present claims that target the specific incident and/or accident, including illness. For example, if you horse is ill then the company may send a form for that specific need. The company will recommend that you immediately contact the company via the toll-free hotline provided to you and immediately seek treatment for your animal. After you are done at the vet, the company will encourage you to make contact with the company. The claim forms are often downloadable online, thus making it convenient and easy to get the claims to the insurer immediately. Of course, you must go through the same procedures as standard health insurance, by sending receipts to the company. The hotline is setup so that you can get immediate disbursement if necessary.

Advisory: horse insurance may come with higher premiums if your animal is a high-risk. If your horse is used at Rodeos, Racing and so forth, there may be additional coverage needed, and you should expect to pay higher premiums. Few insurance companies may offer generous rates even if your pet is high-risk, so again shopping around are the best solution for getting great rates and comprehensive coverage.

Embracing Uncertainty

If you ask investors, they will tell you one thing that they dislike. It is inexainty. Investors always fear uncertainty. In fact, they hate uncertainty. If you ask further, everyone will give different answers but the main reason why they hate uncertainty is that they do not like losing money.

That is right. Losing money is what we as investors want to avoid. However, avoiding uncertainty is not the answer. You see, life is always full of uncertainty. Therefore, taking risks is necessary in investing no matter what your background is. Tell me what kind of assets with no uncertainty at all. One common answer is placing your money in Certificate of Deposit. (CD). The proponent of this investment claims that your money will always accrue interest no matter what happens to the economy, oil price and other things affecting stock investment. But is that so?

Let me answer your question with another question. Why do different banks give you different interest rate for your CD? Sure, it is affected partly by their money supply and demand. If a bank can take in more money than it can loan, it will generally give lower interest rate. However, do you notice that larger established banks generally give lower interest rate than say, an internet CD from e-trade? The answer is uncertainty. Big banks are less likely to fall and therefore, investors are willing to accept lower return investing in their CD. On the other hand, internet banks are more uncertain to survive ten years from now. Thus, the higher interest rate. You see, when you embrace uncertainty, you will earn a higher return on your investment. How about risk? The risk here is that when you invest in small unestablished banks, it may go bankrupt and bring your money down with it. Sure, in theory, your money is protected up to $ 100,000 from FDIC. If you loan your money to a friend, he or she will always say that they will pay your money back, no matter what. But banks are not your friend. In fact, you friends who borrow money from you, can default on their payments.

That is the risk of investing in CD. While, the risk seems remote, it always exists. On the opposite side, investors who fear accidently will probably stuff their money in the mattress, approaching little or no money. This is an extreme example but as you see, getting rid of uncertainty does not look that good here.

Embrace accidently does not mean investing your money blindly. To get a higher return, you need to embrace uncertainty and be educated to minimize your risk. In our CD investment case, what should investors do? Well, for example, you can research the trustworthiness of your bank to sites such as bankrate.com. Once you are comfortable about the status of your bank, you can then invest in CD which offers higher interest rate. A little bit of your time will earn you quite a bit. This is what I called embracing uncertainty. You accept that uncertainty is part of investing but you need to be aware of the risks that you take in any kind of investment. From there, you can weigh your risk and reward and decide which the additional risk is worth investing or not.

Similar case can be applied to stock investing. It is full of uncertainty and there is no way around it. However, by being educated in the stock market, you can minimize your risk and can earn additional return in the process.

Turnaround investing validates this concept. You can choose to invest in a well-run companies with seemingly no trouble in the horizon. Or … you can choose to invest in companies with short-term trouble and wait for them to turnaround. In these two cases, investing in turnaround companies will give you greater return. This is due to the uncertainty of investing in companies with short-term trouble. As always, you have a decision to make. Life is full of choice. Would you rather invest in CD and avoid accidently altogether? Or embracing uncertainty and reap a higher return on your investment?

10 Email Marketing Strategies to Dramatically Increase Your Sales

Email marketing is one of the most profitable strategies available to the online entrepreneur (and offline business owners, too).

Consider this: About 99% of your website visitors will leave without buying anything from you on their first visit. But by creating a great opt-in offer you can at least get their contact details – and then use email marketing to follow up, build relationships, and turn them into paying customers.

And email marketing is by far the BEST and CHEAPEST way to stay in touch with your customers and build rock-solid relationships with them – so they'll buy from you again and again! (This is called the "lifetime value" of your customers, and it's extremely profitable.)

Email marketing just plain works! Just take a look at these statistics from PostFuture:

  • There are now more than 1 BILLION Internet users worldwide – and 90% of them use email.
  • 70% of users receive opt-in email from online businesses.
  • 82% of online buyers have made at least one purchase in response to an email promotion.
  • 32% have made an immediate online purchase in response to an email.

With numbers like these, you can understand why I'm always amazed to hear about a business that STILL has not started to take advantage of email marketing strategies.

If you're stuck for ideas on how to use email marketing to ramp up your profits, here are 10 proven email marketing strategies to get you started …

Email marketing strategy # 1: Develop relationships and establish credibility by offering free information

Sending your subscribers valuable, free information – such as an author eBook – will help them get to know and trust you. Once you've established your credibility, you dramatically increase your chances of converting subscribers into lifelong customers.

You can offer anything from a free report to a free trial version of software … whatever you think your subscribers would like!

Email marketing strategy # 2: Encourage repeat visits by announcing regular specials

Once you've started collecting email addresses, you can send your customers and subscribers regular updates letting them know what your specials are. Sending regular discount offers is a great way to get your customers familiar with you and your site – and turn them into regulars who will buy from you again and again.

Email marketing strategy # 3: Host "Customer Only" events

Suppose you own a restaurant, and you've been collecting your customers' email addresses. You could send each of them an email invitation to an exclusive wine-tasting evening for regular diners only. Rewards like this are one of the best ways to capitalize on the lifetime value of your customers.

If you own an online business, you can set up a special page on your site that is accessible only to customers – and then send them an email telling them how to take advantage of the specials you advertise on that page.

Email marketing strategy # 4: Include promotions in appointment reminders

If you are running a service business, as opposed to a retail business, you can still capitalize on the power of email marketing by sending appointment reminders to your clients.

If you're a karate teacher, for example, you could send your new clients an email three days before their first lesson, reminding them where you are located and when they need to arrive. In that same message, you could include a coupon that offers them 25% off their lessons if they bring a friend to enroll as well!

Email marketing strategy # 5: Follow up with your hottest leads

You can use email to follow up with people you have spoken with personally, but who have not made a purchase. Offer to answer any additional questions they may have, and let them know that you are available to speak with them at their convenience. This can dramatically increase your chances of closing a sale by providing your leads with extra information they're not expecting.

Email marketing strategy # 6: Offer electronic "loyalty coupons"

This is a great way to get your existing customers to buy from you again and again. Simply send each of your customers a coupon that they can print and bring with them into your store or use on your website. It is always a good idea to make your coupons valid for a limited time only to motivate your customers to make a purchase from you as soon as possible.

Email marketing strategy # 7: Send follow-up offers to your customers

Follow-up offers are one of the most powerful ways to build a profitable business. Because they build on the trust you've established to close the initial sale – and turn first-time Buyers into regular customers.

How profitable can follow-up email be? My team once sent our customers a follow-up email introducing them to a product that we thought they might like. The entire process of writing the email and sending it out took about 20 minutes – and the result was a direct profit of $ 74,000!

Email marketing strategy # 8: Encourage "Send to a Friend" referrals

Email is a great way to encourage referrals because it's easy for people to forward messages to their families, friends, and coworkers. Make sure every newsletter, offer, or eBook you send to your subscribers reminds them that they can forward your message to anyone they think might be interested.

You could even run a promotion that gives your existing customers something for free every time they personally refer a new customer to you.

Email marketing strategy # 9: Deliver your product electronically

Suppose you've written a book and you're currently selling paperback copies through your site for $ 29 each. By creating a digital version of your book – which is WAY easier than you're probably thinking – you can simply email it to your customers.

And since you will not have to worry about things like printing costs, warehousing, packaging, and delivery, you can DRAMATICALLY increase your profit margin!

Email marketing strategy # 10: Use email to sell your knowledge and create recurring revenue

If you are an expert on a particular topic – and just about everyone is – then you've got a successful business based on a paid-subscription newsletter waiting to be born.

Of course there are tons of other email marketing strategies you can put to use. And once you realize just how easy it is to use it to drive sales, you'll be thinking of all kinds of new strategies yourself!

The Psychology of Advertising and Marketing

When we talk about the Psychology Of Advertising, perception is paramount. Your advertisements are all about perception so you must make the most of each and every advertisement. You need to know what works and what does not so do you waste your time and money on bad copy. A series of experiments were carried out to determine whether white or black type made the more attractive display advertisements. Over 500 people were used in the experiment. The background for the white type was gray in some cases, but in most cases it was black. The results show that the ordinary reader is more likely to notice display type which is black than a display type of the same sort which is white.

Another series of laboratory experiments was made on the same subject. Particularly prepared pages were shown for one-seventh of a second. On part of the sheets black letters on white background and white letters on black background were shown. In other cases one half of the sheet had a black background, with words in white type, and the other half of the sheet had a white background with words in black type. Scores of cards were constructed in which all the possible combinations of white and black were made and shown to a number of persons for such a short space of time that no one could perceive all there was on any sheet. Under these circumstances the subjects saw what first attracted their attention and what was the easiest to perceive. The final results showed that the black letters on a white background were seen oftener than the white type on a black background. This proves true with other colors too. A dark font color on a light background is noted more often than a light font color on a dark background. Use the right combination unless you are seeking a specific "feel" for your advertisement.

It seems quite certain that, other things being equal, those advertisements will be the most often read which are printed in type which is the most easily read. The difference in the appearance of the type in many cases may be so small that even persons experienced in the choosing of type may not be able to tell which one is the more legitimate, and yet the difference in their values ​​may be great enough to make It a matter of importance to the advertiser as to which type he should use.

If the matter of the proper use of type is of importance to the advertiser, it is even more important that he should make a wise use of graphics.

The graphic is frequently used merely as a means of attracting attention, and its function as a symbolic illustration is disregarded. In a few cases this may be wise and even necessary, but when we consider the value of an graphic as a symbol, we are surprised that graphics are not used more extensively as well as more judiciously. The first form of writing was picture writing, and the most simple and direct form of graphic representation is through the picture and not through the printed word. At a single glance we can usually read about four words; That is to, say, the width of perception for printed words is about four. At a single glance at an illustration we can see as much as could be told in a whole page of printed matter. The width of perception for illustrations is very much more extensive than it is for printed forms of expression.

The illustration may perform either one or both of two functions. It may be a picture picture used to attract attention or it may be an "illustration" and a real aid to perception by assisting the text to tell the story which is to be presented. In the first case it would have been called an irrelevant painting; In the second case it is relevant. There have been several investigations carried on to determine the relative attention value of relevant and unlawful illustrations. Although the results so far, reached are not so decisive as may be desired, yet it looks certain that the attention value of relevant illustrations is greater than had been supposedly and that the irrelevant "picture" is frequently not so potent in attracting attention as a Relevant illustration would be. Under these circumstances it seems that, in general, the illustration in an advertisement should have the double function of attracting attention and assisting perception. Which one of these functions is the more important might be a profitable question for discussion, but when these two functions can be united in the same illustration, its value is enhanced twofold. Irrelevant illustrations are produced purely because they are expected to attract attention, when in reality they may attract the attention of no one except the person who designed them and of the unfortunate man who has to pay for them. There are many illustrations produced and inserted in advertisements because they are supposed to assist the perception. They are supposed to tell the story of the goods advertised and to be a form of argumentation. The designer of the illustration and one familiar with the goods knows what the picture stands for, and so for him it is a symbol of the goods and tells the story of the special advantages of the goods. To one unacquainted with the illustration and with the goods advertised, the illustration is no illustration at all. Not only that, but an illustration may distract the viewer from the actual message. Things animated graphics may actually draw the eyes away and the viewer will never get back to the actual message.

The advertiser is so familiar with what he has to offer that he can not appreciate the difficulty the public has in getting a clear and complete perception by means of his advertisements of the goods advertised. It is almost impossible to err on the side of clearness. A sketchy illustration may appear artistic to the designer, but there is danger that it will be taken as meaningless scrawls by the viewer, and so it will not receive a second thought from them. The text and the illustration should, first of all, be clear and should in every way possible assist the mind of the possible customer in forming a correct idea of ​​the goods being exploited. This is what the Psychology of Advertising is all about; Getting the viewer to remember your product and purchasing it.