Improve Your Credit Score and Get a Better Homeowner Insurance Rate

Although these data will all be used, the most significant factor in determining someone’s homeowner insurance rate is not asked for in the application form. This is the homeowner’s credit score which the insurance company will get from the credit bureau, where everybody’s credit information is stored.Generally, individuals with a higher credit score have a higher probability of getting the lowest possible homeowner insurance rate. On the other hand, if your credit score is not that great, you will be classified as a high-risk client and you will probably be stuck with a higher rate which could mean a bigger insurance premium or smaller claims in case of damage or loss.Furthermore, if your credit score is really pathetic, most conventional home insurance companies will have no choice but to reject your application right away. You will still be able to find coverage though, because there are still a number of insurance companies that take the risk of insuring poor credit clients. You do have to prepare yourself for a much costlier homeowner insurance rate.If you wish to qualify for a better homeowner insurance rate, you must try to improve your credit score as early as possible. You can start right now by going to any of the three major credit reporting agencies – Equifax, Experian and Trans Union – and request for a copy of your most current credit report to find out what your present credit score is. Everyone is entitled to a free copy of this report once a year.In the next couple of months, make good on your credit card payments by being on time and if possible, paying more than the minimum required amount for each month. Doing this will make your credit score jump a few points, which could be enough to qualify you for a much better homeowner insurance rate.You must take note that this system of basing Homeowner Insurance rate on credit scores is done only in the United States. If you are planning to take out an insurance policy for a house outside the US, you might encounter different assessment methods so you have to do some research first to familiarize yourself with their system.In the United Kingdom for instance, they do not use credit score as part of the evaluation process. Instead, the primary factors in determining the homeowner insurance rate are merely the bits of information about the house and not the owner. This is because the UK government actually mandates that home insurance is a basic housing right and that every homeowner should have equal rights to insurance, regardless of their credit score or employment history.

3 Key Reasons Why Video Marketing Is So Effective and Vital to Your Internet Business

Are you aware of any seasoned or perhaps seriously aspiring online marketer who is not using videos in his marketing business?

Is this obsession with video marketing over-rated, or a fad?

Chances are you should be vividly conscious that Video Marketing has taken the world by storm! To say the least, it is huge. The major search engines seem to love videos so much that you can automatically almost see money rolling through your bank account in no time at all. It appears as though anyone who is serious in making money on line is in, or would need to get into video marketing. Online video marketing appears to be able to get you just that, money.

Certainly, over the last few years the volume of interest shown in this particular type of marketing continues to be on the rise.

These technological innovations have become so extensive that it is safe to say that the majority of people who use the internet are doing so at a rate that is only fast enough to allow them to stream videos.

One needs only look as far as YouTube (and don’t be surprised if You-tubing becomes an official word) and the stunning popularity it has received to see just how many people love to watch videos online. Look at the constant and the ease of uploads in Twitter, Facebook, and even a proliferation of domestic websites and you know that online marketing with video is here to stay, but perhaps not in its current form, but it will continue to evolve. If you give people what they desire, i.e. videos that entertain, excite, and appeal to them, then you’re going to be able to do what every marketer longs to! Make lots and lots of money!

Why is video marketing effective?

Reason #1

If you’ve read Dale Carnegie’s classic “How to Win Friends and Influence People”, you will know that the ‘hows’ of communication is just as vital as the ‘whats’. We are all exposed to the various forms of mainstream communication like telephonic, email, text, and the traditional hand writing. I think we can all agree that face-to-face communication is far more comfortable, and more effective than any other communication vehicles I outlined. That is the rudimentary basis of video marketing. While not precisely face to face, its as close as it gets. In general, we are wired in such a way that our instinctive preference is not only to listen, and read static alphabets, but to hear unadulterated voices, and read facial expressions besides just hearing the words. Video marketing provides that personal touch, that friendliness and human-ness. It is able to better convince a person of genuineness and appreciation, the passion and enthusiasm, and communicate to the other person that he/she is important!

Reason # 2

Video marketing engages and interacts. It increases response rates because the person feels like someone is addressing him and him only. That elevates the feeling of importance. Depending on the product or service on hand, the video marketer will be able to control the emotions, communicate the realities that he/she has faced, or the indepth knowledge possessed, or the genuineness of the product or service being offered. Remember that everyone is self-interested. Video gives the advantage of gaining influence in a benign, and supportive way. A skilled video marketer has the opportunity to influence the response by engaging the audience through 3 out of the 5 senses, ie. through hearing, seeing, and in some ways touching.

Reason # 3

Our years of pre-conditioning with television has ingrained in us the absolute comfort of obtaining information and knowledge through video. There is no need to convey the same message through cumbersome text, but our pace of life has facilitated videos as a means to support our decision making processes which has to be short, sharp, sensationalized even. It is easier to figure out the message through the use of multiple sensory organs, and with the punchy, robust and perhaps even exaggerated manner in which the message is conveyed, the effectiveness is therefore enhanced.

So, why do you think the ‘gurus’ have resorted to online videos to market their wares? This is due to the undeniable fact that videos convert, and affiliates get hooked onto promoting them. And the ease of video marketing is linked to two keywords that I mentioned earlier. It engages, and interacts. It plays to 2 to 3 of our key sensory functions, our audio and visual, and in some ways as close to touch as we can get. We see and hear, and believe and act on more than when we read text. Moving images works on the mind better than static text.

Videos truly provide you with the opportunity to effectively engage with your target audience in a way that very few other marketing strategies can, and thankfully, even if you have never developed or produced a video before, it’s very simple to get started. Did you know that you do not even need your own video camera to get started? If you are fearful, and that is an ordinary phenomena, it may be the result of a lack of understanding. However, with the advancement of technology comes the opportunity for you to overcome your fear, and with ease too. Videos can be made with a few clicks of the button. Gone are the days where high quality equipment, and complex processes are involved. Technology made sure of that.

You need to ask yourself;

1. Wouldn’t you want to be ahead of the game. Well, first you need to be in the game.

2. Wouldn’t you like to be able to effectively leverage of the power of online video marketing. Well, this is how you need to act, in spite of fear and apprehension.

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