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marketinghero · 6 years ago

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Deliveroo claims rapid expansion will create 70,000 restaurant jobs for struggling sector Deliveroo claims it will create 70,000 jobs in the UK restaurant sector by next year, as it pushes ahead with its plans for rapid expansion. If successful, the move will create some relief for the sector which has seen a number of well-known chains collapse in recent months, most recently Jamie Oliver’s restaurant empire which fell into administration resulting in the loss of 1,000 jobs. Deliveroo boss Will Shu agrees it has been “a challenging time for the high street”, but that Deliveroo’s expansion “will create more jobs on Britain’s high streets, bring more revenue to restaurants, create work for more riders and, of course, bring exciting foods to offices and homes across the UK”, the Telegraph reports. Deliveroo has created 25,000 roles in the UK restaurant industry since it was founded in 2013, according to research commissioned by Deliveroo and carried out by Capital Economic. This is in addition to the 25,000 delivery drivers which are classed as self-employed. READ MORE: Deliveroo claims it will ‘help create 70,000 restaurant jobs’ with expansion plans Facebook removes 3 billion fake profiles in six months Facebook removed more than 3 billion fake accounts during Q4 of 2018 and Q1 of 2019, according to its latest ‘enforcement report’. This is more than it has ever removed before, thanks to a rise in automated attacks by bad actors which attempt to create large volumes of accounts at one time. Overall it estimates 5% of monthly active accounts are fake. Facebook has also measured how often content that violates it community standards has been viewed. It estimates that for every 10,000 times people view content on Facebook 11 to 14 view content relating to adult nudity of sexual activity. This number rises to 25 views for violent and graphic content. Facebook says it proactively detected more than 95% of the content it took action on before someone needed to report it. On hate speech, for example, the platform says it detected 65% of the content it removes, up from 24% just over a year ago. In the first quarter of 2019 it took down 4 million hate speech posts. Uber launches electric bike-hiring in London Uber is launching its electric bike-hiring service Jump in London, as it scopes out the possibility of a bicycle and scooter sharing app in the UK. Jump bikes can be found on the Uber app and will allow users to unlock one of the 350 bikes currently being trialled in Islington. The bikes cost £1 to unlock and 12p per minute to ride, with the first five minutes free. Bikes must be collected and returned to dedicated service areas, and must not be left in no parking zones such as near hospitals, stadiums or canals. If bikes are left in any of these excluded areas or are dumped users will be fined £25. Uber has already launched the Jump brand in he US, Canada, Berin, Brussels, Lisbon and Paris. READ MORE: Uber launches app-based electric ‘Jump’ bikes on the streets of London Amazon is developing a wearable device that tracks emotions Amazon is developing a voice-activated, wearable device that can recognise human emotions. The gadget, which is worn on the wrist, is described as a health and wellness product, according to Bloomberg, which saw internal documents relating to its development. The device connects to a smartphone app and measures the wearer’s emotions via microphones that takes voice readings, which are then paired with software. The documents suggest the technology will eventually be able to advise the wearer on how to interact more effectively with others. It is being developed in collaboration with Lab126, the company behind Amazon’s Fire phone and Echo smart speaker and Alexa software. READ MORE:Amazon Is Working on a Device That Can Read Human Emotions The Times uses AI to boost reader engagement The Times and The Sunday Times have been using artificial intelligence and machine learning to understand the habits, interests and preferences of readers to enhance engagement. Owner News UK has been using JAMES, or journey automated messaging for higher engagement through self-learning, to learn the preferences of 300,000 readers, including 117,000 subscribers, and deliver tailored content and offers. Newsletters, for example, are compiled using content JAMES believes readers will be interested in, using their preferred format, time and frequency. There are five recommendation models for timing, seven for content, 15 for format and nine for frequency, which together can create trillions of permutations to personalise content. This has lead to, among other things, a 49% reduction in subscription cancellations among subscribers when they interacted with JAMES. Overall 70% of subscribers in the trial interacted with the AI tool. Peter Evia-Rhodes, director of customer value at The Times and The Sunday Times says: “JAMES has allowed us to anticipate customers’ needs and wants, which has helped to create stronger relationships and drive engagement with The Times at cost and at scale. “In the future JAMES will expand to more channels like SMS, push notifications, and we are exploring the possibility of how it might power other personalisation, as well as advertising, offering our commercial partners more value through enriched data profiles and targeting.” Thursday, 23 May Avon to be bought by Natura in £1.6bn deal Cosmetics giant Natura is buying struggling direct-to-consumer brand Avon in a £1.6bn deal that will create the world’s fourth largest cosmetics company. The Brazilian company already owns The Body Shop and Aesop and is the South American nation’s top business in cosmetics, perfumes and toiletries. The deal means Natura shareholders will hold 76% of the combined company, which is predicted to have an annual revenue of more than £7.9bn, as well as 3,200 stores globally across 100 countries. According to analysts at Brasil Plural, Natura is “pursuing the goal of becoming a global brand” but the company will need to significantly invest in Avon’s operations in Brazil where it already has 2.2 million direct marketing consultants. Avon has been struggling in recent years as the impact of door-to-door sales dwindles in the digital age. READ MORE: Avon to be acquired by Brazil’s Natura for £1.6bn Arcadia boss Sir Philip Green to close 23 stores in rescue plan Sir Philip Green plans to close 23 stores across his Arcadia empire, putting more than 500 jobs at risk as part of rescue plans. The proposal will see a number of Topshop, Dorothy Perkins, Miss Selfridge and Burton stores close and will call for rents to be cut across another 194 stores at the Arcadia group. Arcadia will need the regulator’s support for a Company Voluntary Arrangement (CVA) to be approved otherwise the business could face administration. Additionally, as part of the proposal, Arcadia Group says it is willing to inject a further £100m into the scheme over a number of years to bridge a shortfall in pension contributions. However, the pensions regulator is sceptical the deal will “adequately protect” the pensions of employees. Ian Grabiner, the Arcadia chief executive, says plans are a “tough but necessary decision for the business”. “We have in place a well-developed turnaround plan for the group, which includes driving cost efficiencies and managing the refreshed retail store estate and investing in the continued development of our multi-channel proposition and logistics,” he adds. Arcadia has more than 566 locations in the UK and Ireland, employing 18,000 people. READ MORE: Topshop owner Philip Green plans to close 23 stores in Arcadia rescue EE to launch 5G in the UK this month EE is launching a 5G across six major UK cities later this month, making it the first mobile provider to switch on the service. Customers in London, Birmingham, Cardiff, Manchester, Edinburgh and Belfast can now pre-order a range of six new 5G smartphones, which will not include Huawei. The company says the new 5G Smart plans will give consumers access to the UK’s first 5G network and BT Sport HD HDR, as well as an exclusive Gamer’s Data Pass with zero-rated data. Marc Allera, CEO of BT’s consumer division, says this is just the start of the UK’s 5G journey. “We’re adding 5G to the UK’s number one 4G network to increase reliability, increase speeds, and keep our customers connected where they need it most,” he says. EE is also introducing 5GEE WiFi and 5GEE home broadband. The new network will be switched on from 30 May with plans to expand the roll-out to another 10 cities by the end of the year. The Sun’s loyalty scheme hits one million members One million people have signed up to The Sun’s loyalty scheme, Sun Savers, which is designed to be a money-saving scheme. Membership has grown by 43% in the last year, following the launch of The Sun Raffle and accompanying TV campaign, under a new Sun Savers editor Giselle Wainwright, who joined in October last year. As part of the initiative, the associated app and web-based scheme rewards loyal readers with £5 for every 28 codes – which are found in the paper – they enter on a daily basis. Readers can then withdraw the money as cash or use it for offers within the app. “Sun Savers is not your average loyalty scheme. We have built a community of bargain-hunting Sun readers, and we work hard to deliver them cost cutting tips, promotions and competitions day-in-day-out, on top of their free fiver,” says Justine Salter, head of loyalty at The Sun. “This achievement is testament to that: from Giselle and the editorial team’s first-class money saving advice, to our award-winning technology team, building and developing our user-friendly Sun Savers platform.” Graze launches its biggest campaign UK snack brand Graze has unveiled a £2.1m ad campaign – its biggest ever – which heroes one of its best-selling products, smoky barbecue crunch. The company hopes the new campaign will reach 75% of Graze’s target audience across the UK by leveraging formats across digital and out-of-home. Additionally, Graze also plans to distribute 400,000 samples across five cities including London and Manchester in order to bring to life “the health ambitions of graze” as a brand. “Following the launch of our initiative to significantly reduce the sugar content across our entire cereal bar range and our new under 100 calories ‘wow bakes’, the campaign highlights graze’s sustained efforts in providing wholesome, nutritious products and championing innovation in the healthy snacking sector,” Graze CEO Anthony Fletcher says. Wednesday, 22 May Urban Outfitters to let people borrow clothes Urban Outfitters is entering the sharing economy with an online subscription service that will allow people to borrow six items to wear for a month before swapping them. Aimed at millennials who are increasingly looking for more sustainable options, ‘Nuuly’ will launch in the US in the summer, with plans for a wider roll-out in the pipeline. “Interest in sharing-economy platforms and recurring subscription relationships has grown across industries,” the company says. “In apparel, the millennial consumer, in particular, is seeking out platforms that provide novelty, variety and breadth, while also supporting sustainability.” Urban Outfitters expects Nuuly to have 50,000 subscribers and generate $50m in sales within the first 12 months. Other labels including Levi’s, Gal Meets Glam, Anna Sui and Fila will also be available to rent for a monthly fee. READ MORE: Urban Outfitters to rent out clothing M&S profit down 10% as it speeds up store closure programme Marks & Spencer has posted a 9.9% drop in profit for the full year ending 30 March 2019, however the retailer maintains it has made “good progress restoring the basics” and fixing a number of its legacy issues. On a like-for-like basis, food revenue was down 2.3% and clothing and home revenue down 1.6%. Clothing and home grew 9.8% online, which helped to increase M&S’s online clothing market share by 0.3 percentage points. However, M&S is speeding up its store closure programme with plans to shut a further 20 of its full-line stores, to a total of 85. It has already shut 35 and has warned this number will likely reach 100. It will also close 25 of its Simply Food convenience stores. Profit before tax and adjusting items fell 9.9% to £523.2m. Pre-tax profits were only £84.6m in the year, in part due to a £440m hit from its store closure programme. “As I have said, at this stage we are judging ourselves as much by the pace of change as by the trading outcomes and change will accelerate in the year ahead,” boss Steve Rowe says. “While there are green shoots, we have not been consistent in our delivery in a number of areas of the business. M&S is changing faster than at any time in my career – substantial changes across the business to our processes, ranges and operations and this has constrained this year’s performance, particularly in clothing and home. However, we remain on track with our transformation and are now well on the road to making M&S special again.” Evian launches global recycling initiative Evian has launched a global initiative called ‘Flip It For Good’ which aims to engage consumers around recycling. In partnership with National Geographic, the natural mineral water brand is asking consumers to post a video of themselves on social media (Facebook, Instagram, Twitter) ‘flipping’ any empty plastic bottle into the recycling bin. For every video posted alongside the hashtag Evian will reclaim a bottle from nature, in partnership with the social business Plastic Bank. The initiative is backed by National Geographic explorer Cory Richards, creative entrepreneur Luka Sabbat and tennis champion Stan Wawrinka, who have all posted videos of themselves ‘flipping’ bottles. “By 2050 it is estimated there will be more plastic than fish in the ocean,” Luke says. “However, small actions really can have an impact which is why this is such a great initiative from evian encouraging people to do their part and recycle more.” The ‘Flip It For Good’ initiative is part of a broader strategy by Evian to achieve its commitment to becoming a circular brand by 2025. H&M celebrates equality with new collection H&M is celebrating LGBTQI equality with the launch of a new capsule collection for women, men and non-binary individuals. Featuring a range of slogan t-shirts, sportswear-inspired garments and accessories, 10% of the sales price will be donated to the UN Free & Equal campaign, which is the United Nations’ campaign for equal rights and fair treatment for lesbian, gay, bi, trans and intersex people around the world. “H&M strives to be a mirror of global society, one that fully embraces a central message of ‘Love for All’, standing up for people’s right to love whoever they want, wherever they are,” says Sara Spännar, global marketing and communications director at H&M. “We are proud to continue our support for LGBTQI equality by celebrating love and raising awareness about the fight for equal rights, diversity and inclusivity.” H&M’s capsule collection will be sold in stores and online worldwide and accompanied by a global media campaign. Jamie Oliver restaurant empire goes into administration Jamie Oliver’s restaurant group has gone into administration, resulting in the loss of 1,000 jobs. All but three of the chef’s 25 UK restaurants, which includes his Jamie’s Italian chain plus Fifteen and Barbecoa, have closed after the group called in administrators from KPMG. Only two Jamie’s Italian branches and a Jamie’s Oliver Diner, all at Gatwick airport, remain. Oliver, who injected £4m into the business this year, says he is “devastated” and “deeply saddened” by the outcome. “I appreciate how difficult this is for everyone affected,” Oliver says. “We launched Jamie’s Italian in 2008 with the intention of positively disrupting mid-market dining in the UK high street, with great value and much higher quality ingredients, best-in-class animal welfare standards and an amazing team who shared my passion for great food and service. And we did exactly that.” Will Wright, a partner at KPMG and the joint administrator, adds: “The current trading environment for companies across the casual dining sector is as tough as I’ve ever seen. The directors at Jamie Oliver Restaurant Group have worked tirelessly to stabilise the business against a backdrop of rising costs and brittle consumer confidence. “However, after a sales process which sought to bring new investment into the business proved unsuccessful, the team took the incredibly difficult decision to appoint administrators.” READ MORE: Jamie Oliver’s empire collapses as 22 UK restaurants close Tuesday, 21 May Watchdog warns of social media fraud as currency scams triple Scams involving currencies and crypto assets like bitcoin totaled £27m in the last financial year, with social media significantly helping scammers Reports of scams more than tripled in the year ended April, with an average loss of £14,600 per victim, the Financial Conduct Authority (FCA) has warned. According to the FCA, scammers often used social media to promote their “get rich quick” online trading platforms. Celebrity endorsements and images of luxury items such as expensive watches and cars on social media posts were often used to promote schemes. The watchdog plans to run a campaign to raise awareness of online trading scams. “We’re warning the public to be suspicious of adverts which promise high returns from online trading platforms,” says Mark Steward, FCA’s executive director of enforcement and market oversight. Due to the lack of regulation around online-only currencies, there is no compensation or protection for investors if things go wrong. READ MORE: Millions lost in ‘celebrity-backed scams’ Ford cuts 7,000 jobs across departments including marketing Ford is cutting 7,000 jobs worldwide, with up to 550 in the UK including a number of marketing and communications jobs. The US manufacturer says the cuts represent 10% of its global salaried workforce and 20% of its management positions, including marketing and communications. It has not disclosed which departments would be the worst affected. The cuts are expected to save Ford £471m a year, helping it navigate declining demand and a shift to electric vehicles. In a memo to staff on Monday, chief executive, Jim Hackett says the restructuring plan will start on Tuesday, with the majority of cuts finished by 24 May. He writes: “To succeed in our competitive industry, and position Ford to win in a fast-changing future, we must reduce bureaucracy, empower managers, speed decision-making and focus on the most valuable work, and cost cuts.” Other cost-saving initiatives include moving out of the multivan market and combining the headquarters of Ford UK and Ford Credit. Ford first revealed plans for job cuts across its European operations in January but did not give further details. READ MORE: Ford to cut 7,000 jobs including more than 500 in UK Thomas Cook reassures customers amid fears of future Thomas Cook is seeking to reassure holidaymakers that fears over its financial woes have been overblown and holidays are protected. Its shares fell by a further 14% yesterday (20 August) to 10p, meaning the company’s market value has fallen 92% to £159m over the past 12 months. Despite this fall, the holidaymaker is reassuring people on social media and in a statement that it is “business as usual”. Last week, Thomas Cook issued a fresh profit warning and reported a half-year loss of almost £1.5bn after a goodwill write-off of £1.1bn. Thomas Cook said in a statement at the weekend: “We have ample resources to operate our business and at the same time, as usual, our liquidity position continues to strengthen into the summer period.” It added: “We’re responsible for taking over 20 million people abroad on holiday every year and we take that responsibility very seriously. As an ATOL-protected business, our customers can have complete confidence in booking their holiday with us.” The company is seeking to cut costs closing 21 of its high street stores and putting its currency arm Thomas Cook Money under review. It has blamed a series of problems for its profit warnings, including political unrest in holiday destinations, last summer’s heatwave and customers delaying booking holidays due to Brexit. But this is only part of the picture, the holidaymaker has also failed to keep up in the wake of increasing competition from online travel agents and low-cost airlines. READ MORE: Thomas Cook reassures holidaymakers after shares plunge Unilever unveils ‘detectable and recyclable’ black plastic packaging Unilever has developed a new detectable black pigment that it says will allow its black plastic packaging to be recycled. Currently, automatic sorting machines used in waste facilities in the UK use near infra-red light that cannot detect carbon black pigment found in ‘standard’ black plastic – making it impossible to recycle. However, the FMCG giant has developed a lower carbon black plastic for its TRESemmé and Lynx products allowing them to be successfully recycled. Sebastian Munden, general manager of Unilever UK and Ireland, says: “We’ve been working on a solution for black plastic for some time, and this move to using detectable black plastic in our TRESemmé and Lynx bottles means we will potentially be removing around 2,500 tonnes of plastic from the waste stream.” Unilever’s innovation was made in collaboration with RECOUP, WRAP and waste management giants Veolia, SUEZ, Viridor and TOMRA and the FMCG giant has pledged to make the technology accessible to other companies. WHSmith boss to step down WHSmith group chief executive Stephen Clarke is to step down in October, after 15 years with the firm, six of those in the top job. He will be replaced by Carl Cowling, currently managing director of the WHSmith high street business. The announcement comes as the firm’s results showed like-for-like sales climbed 1% in the 11 weeks to 18 May. Sales fell 1% in the high street stores but were up 1% in its travel business, where it plans to open around 20 new units in the UK, including 10 hospital stores. Clarke says: “We remain confident in the outcome for the full year.” He adds he has no immediate plans after leaving the retailer other than to “take a break”. Clarke is credited with turning around the stationers fortunes after it struggled with competition from supermarkets and websites such as Amazon. Under Clarke, the company refocused attention on higher margin travel stores in airports and railway stations. £ READ MORE: Stephen Clarke to step down as WHSmith chief Monday, 20 April Ryanair profits plunge 29% Profits at Ryanair have fallen by 29% to €1.02bn (£894m) for the full year to 31 March despite the airline growing its customer base by 7% to 139 million people. The rising number of passengers was offset by a 6% decline in fares to an average of €37 (£32) as a result of “short-haul capacity growth” and the absence of Easter in the fourth quarter. Ryanair did, however, grow its revenue by 6% to €7.56bn (£6.62bn) and added 406 new routes. The company describes its full year 2019 results as “a year of investment” in its people, support systems and wider business in a bid to grow to 200 million passengers by 2024. The airline’s costs, excluding fuel, rose by 5% following a €200m (£175m) increase in staff costs, which included a 20% hike in pilot pay. Following safety fears, Ryanair has delayed the introduction of its first five B737-MAX aircraft until winter this year. However, the airline states it has the “utmost confidence” in these aircraft, which it claims boast 4% more seats, are 16% more fuel efficient and generate 40% lower noise emissions. Looking at the full year 2020, Ryanair remains “cautious on pricing”, although it expects traffic will grow by 8% to 153 million passengers. The company adds that its performance for the coming year will be heavily dependent on peak summer fares, pricing during the second half of the year, the absence of “security events” and no negative Brexit developments. Co-op rolls out £10m campaign uniting food, insurance and funeral care The Co-op is uniting its food, insurance and funeral care marketing for the first time with a £10m advertising campaign that champions bringing investment back into communities. The campaign, created by Lucky Generals, weaves the Co-op’s commercial and community messaging into one overarching marketing strategy featuring a new strapline: “It’s what we do.” The campaign message is focused on how the supermarket creates “products of differentiation”, from its 100% British meat commitment to reinvesting millions of pounds back into community initiatives through its membership scheme. The first TV ad appeared on Saturday night (18 May) during ITV’s Britain’s Got Talent, with three ads appearing in one ad break. This is being supported by hyper-local targeting, driving personal relevance and linking to local causes the Co-op supports. The campaign will include 120 out-of-home executions with a message tailored to each area, while 222 local cinemas will serve ads with dynamic end-frames, again showing specific causes in that area. “Building stronger communities by being a stronger Co-op is what we do. We already run our businesses differently to most and this means we can do things that benefit our members and their communities and not just a small group of institutional investors in the City of London,” says chief membership officer Matt Atkinson. “The success of our ethical-led business means we can re-invest our profits and our plan is to use our profits to rally people to come together to care for their local community. This is about the power of co-operation and it’s what we’ve been doing for 175 years.” Customer director, Ali Jones, believes the Co-op needs to decisively seize the opportunity to show leadership in an era where consumers are increasingly demanding that businesses take action to improve their communities. Online ads complained about three times as much as TV Online adverts made up 90% of the campaigns amended or withdrawn by the Advertising Standards Authority (ASA) in 2018, with online ads also outnumbering TV cases by 3:1. This figure includes paid ads online and companies’ ad claims on their own websites, social media spaces, apps, advergames, as well as video-on-demand and mobile. The ASA amended or withdrew a record number of ads in 2018, resolving 33,727 complaints about 25,259 ads. Of this number 16,059 complaints, up 41% on 2017, were about 14,257 online ads, an increase of 38%. Some 10,773 complaints, up 14% on the previous year, were about 5,748 TV ads, an increase of 23%. Overall, the ASA secured the amendment or withdrawal of 10,850 ads, which is up 53% on 2017. Given the rising number of complaints coming from online, ASA chief executive Guy Parker explains that the ASA’s new five-year strategy – More Impact Online – will focus on strengthening the regulation of online advertising and using new tech to protect the public. An example would be the recent roll out of new child avatar technology, which simulates children’s browsing activity to identify ads being served to kids online, resulting in action against five gambling operators. “Our recent use of new avatar technology is a taste of what’s to come under the new strategy and we look forward to working with our partners to increase further the impact we’re having online,” Parker adds. Government to champion UK advertising at Cannes The UK Government’s Department for International Trade (DIT) is teaming up with industry leaders to showcase the best of UK advertising at the Cannes Lions festival of creativity (17-21 June). The Creativity Is GREAT campaign, supported by the likes of the Advertising Association, Clear Channel UK, Channel 4, Framestore, London & Partners, M&C Saatchi and Newsworks, is designed to support the growth of UK exports of advertising services. The campaign activity will include two trade missions, the first run by London & Partners supporting 20 high growth London-based adtech and martech businesses, and the second coordinated by the IPA, which will bring a further 20 advertising agency SMEs. For the first time, UK advertising will host an activation space in the Palais Piazza developed by M&C Saatchi and Framestore. The Creativity Is GREAT activity will also span networking spaces for UK advertising companies in Le Jardin de Clear Channel and the Little Black Book beach, as well as further pop-up activities at venues including the Channel 4 Villa. Special events will take place with delegates from other territories around the world including China and South Korea. “DIT is a passionate advocate of the value of the UK’s creative offering, and a strong presence at Cannes Lions gives our most creative and cutting-edge companies the opportunity to show the world’s top influencers and buyers just how imaginative, innovative and inspiring Britain is,” says Conrad Bird, director of campaigns and marketing at the Department for International Trade. “At Cannes Lions, CMOs and their advisers come to meet new people, understand new trends and new innovations and DIT will be here banging the drum for Britain. We are delighted to be working with the UK advertising industry under the ‘Creativity is GREAT’ banner to give the UK an even higher profile, more influence and a more effective presence this year.’’ BBC unveils film for 2019 FIFA Women’s World Cup The BBC is collaborating with South London rapper Ms Banks on its 2019 FIFA Women’s World Cup film with a view to inspiring the next generation of female athletes. Ms Banks’ re-working of early 2000s track ‘Remember The Name’ was developed, created and produced by women and with women at the forefront. The idea behind the film is that long after the tournament in France comes to a close, the nation will ‘Remember The Name’ of each of the athletes. Devised by in-house creative team, BBC Creative, the trailer debuted during Saturday’s (18 May) episode of Football Focus, which was broadcast live from Wembley ahead of the Men’s FA Cup final. The creative is part of the BBC’s Change the Game campaign, which aims to shine a spotlight on women’s sport across the summer. Every game of the tournament in France (7 June – 7 July) will be broadcast live on the BBC, with all 52 matches from France shown across BBC platforms including BBC One, BBC Two, BBC Four, BBC Red Button, BBC iPlayer and BBC Sport online. “We are delighted to have worked with the immensely talented Ms Banks on this campaign which celebrates the incredible stories and talents of the players,” says James Parry, head of marketing at BBC Sport and Events. “Ms Banks brought her own unique style to the project, creating a track that we think encapsulates everything that is so exciting about this summer’s Women’s World Cup. Having recently launched our Change the Game campaign, we are proud that this summer the BBC will we be showing more women’s sport than ever before, a feeling we think this track reflects perfectly.” The post Deliveroo, Uber, Amazon: Everything that matters this morning appeared first on Marketing Week.

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ivandimarcofotografo · 6 years ago

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Juno Calypso's best photograph: voyeurism in a pink cold-war bunker

‘It was built as a cold war bomb shelter by an Avon director and a hairdresser to the stars. Now it’s owned by a group of people who want to be frozen cryogenically and live for ever’

For the last five years I’ve kept a list of dream locations to photograph and this was one of them. It’s an underground house in Las Vegas that has its own garden with fake trees, fake sunrises and fake scenery. It went on the market in 2014, and when I spotted it it had been sold for $1m to a “mystery group”. I managed to track down the owners to ask if they’d let me shoot there. Luckily, they were up for it.

The house was built as a bomb shelter in 1978 by Girard Henderson, a director of Avon cosmetics, and his wife, Mary, who was a hairdresser to the stars. They were both in their 70s at the time. It was the age of nuclear terror and the cold war. Maybe they wanted to go out in style?

I like the way the pose matches the curtains opening. It also has a Hitchcock Rear Window element, as if I'm peeking in on myself from the garden

Juno Calypso is at Studio Giangaleazzo Visconti, Milan, until 11 January

Continue reading... https://www.theguardian.com/artanddesign/2019/jan/03/juno-calypso-best-photograph-cold-war-bunker-cure-for-death

#Photography | The Guardian #photography

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gogle-news · 5 years ago

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Top 10 Best Cosmetic Brands in The World

It is the era of great creativity and competition now. Everyone wants to look beautiful and enhance one’s features. Ah! Enhancing the features, but how can we enhance our features to look more attractive and wonderful? The only way to enhance the features is by wearing the makeup. Now the most important thing is the selection of makeup. Most importantly the choice of brand is most important. The brand that matches your skin tone and the brand that suits you economically! This article will help women choose the brand of their choice. Here are listed Top 10 brands in the world. Now it’s up to you! Which brand would you like to choose?

Maybelline

The Maybelline brand was first established in 1915 by Thomas Lyle Williams, in the city of New York. Now this brand is used world wide and its demand is increasing day by day in the market. Maybelline is basically known for its mascara brands of all the time. The great success of this brand also include baby lip balms. Besides, this brand also provides cosmetics products, skin care products and beauty products. This brand is releasing new products in 2020 as well.

Urban decay

The brand was basically established by an American cosmetics company and now its main office is located in California. In the beginning, this rand was famous for its lipsticks and nail polishes. Loreal is sponsoring this brand. Urban decay is a trending brand and it basically attracts the young generation towards itself by producing new products every year. The brand is famous for its Naked collection, which includes 12 different eye shades palettes. Avon The founder of this brand David H. McConnell, sold perfumes in the beginning. He started a business in New York. This brand sells clothing, cosmetics and perfumes. The products of this brand are economically suitable and reliable for everyone. As this brand is flourishing in this era as well.

Neutrogena

It is also an American brand founded in 1930. The main head office is centered in Los Angeles, California, United States. You can find best skin products, moisturizers, cleansers, bath products and hair care products.In this brand. Products Neutrogena are distributed in more than 70+ countries. All the products of this brand are safe and effective if you use these products. This brand also offers some best anti- aging products and sun blocks as well.

Revlon

Charles Revson in 1932, started this brand. The main head office is located in NEW YORK, USA. This brand provides best skin care, hair care products, fragrances, cosmetics and personal care products in the whole world. Women in many countries of the world are using the products of this brand to give their face and skin glamorous look; and to enhance their features. Revlon cosmetics are also available in Pakistan and India as well.

Covergirl

Covergirl is an American Cosmetics brand founded in Maryland, by the Noxzema Chemical Company. This brand is used worldwide. This American brand provides best makeup, cosmetics and beauty products of all the types. This brand is economically perfect as well. In fact, this brand is included in the best brands of the world. Many actresses, models and singers appears in the advertisements of this brand, wearing its beauty products.

Loreal

It is one of the most famous brand, that is used internationally. This brand produces best make up products, skin care products, hair care products, perfumes, cosmetics, sun-blocks and many more things like that. This brand is using the advance techniques to produce best variety of things. The Loreal brand is working hard day and night to give best products from dermatological and pharmaceutical point of view.

Oriflame

This brand is making progress from leaps and bounds. This brand was initiated in 1967, by Jonas Jochnick and Robert Jochnick. This is basically a brand of Sweden. The company offers various products like skin care products, hair care products, perfumes, anti-aging products, cosmetics and many other products. this brand supplies products in more than 70 countries including Pakistan and India. This companies headquarter is also located in Switzerland as well.

Clinique

It is the most famous American brand and it was founded in 1968. The headquarter of the company is located in New York city. This brand is very lucky for the people having sensitive skin. This brand produces skin care products, perfumes, sun-blocks, cosmetics and anti-aging products. The special thing in this brand is its clinical approach towards beauty as I said it provides best products for the people having sensitive skin. This brand gives products according to the skin tone of the person.

MAC

In 1984, the foundation of this brand was held by Frank Toskan along with Frank Angelo. The headquarters of this brand are present in Toronto and Canada. This brand provides the best of its products all over the world and is famous for its lip colors, that give pleasing effect to one’s personality. This brand provides various products including skin care products, perfumes, cosmetics and cleansers and various other products. Read the full article

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trendingfact · 6 years ago

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Organic Skin Care Market: Industry Outlook, Growth Prospects and Key Opportunities

The term organic, in general refers to a product derived from living organisms and untouched by any chemical compounds, fertilizers, or pesticides. In the cosmetic industry, the term organic means a brand or an ingredient that has been certified by one of the numerous certifying institutions that operate worldwide like the United States Department of Agriculture (USDA). It also bears a logo of the certifying institution which means that the said ingredients have been grown and processed under a strict code of cleanliness with no chemical compounds and no genetically modified organisms.

There is as such no specific definition pertaining to the term organic. Organic skin care products tend to offer the added benefits of decreased risk of skin irritation and allergies since they do not contain chemicals. Organic skincare products contain organic vegetable oils, organic essential oil, essential fatty acids, and vitamins. Organic skincare products are environment friendly. Organic cosmetics are produced after choosing the best ingredients derived from plants along with some other naturally occurring ingredients.

Organic skincare products nourish, moisturize, and take care of the skin gently. Organic skincare products come with different labels. The label “100% Organic” signifies that the product contains only organically produced ingredients and is permitted to display the seal. The label “Organic” means the product contains at least 95% organically produced ingredients and is permitted to display the seal. The label “Made with Organic Ingredients” means that the product contains at least 70% organic ingredients but is not permitted to display the seal. Demand for organic products in the skin care space is seeing rapid growth.

Get PDF Brochure https://www.transparencymarketresearch.com/sample/sample.php?flag=B&rep_id=32543

There is a paradigm shift in consumer awareness about health and wellness owning to the growing number of beauty blogs and social media accounts dedicated to the benefits of going organic. This is a major driver for the organic skin care industry. The online platform is one of the key sources used by consumers to search for the best suitable products which may not be available in malls and retail stores. Hence, e-commerce is one of the prominent factors propelling growth in the global skin care market.

Various technological innovations which are used to increase the shelf life of skin care products are expected to have a positive impact on the sector. The skin care market is driven by factors such as new product development, increased spending capacity of consumers on premium products, expansion of distribution channels, and increasing online reach. However, the high cost of organic skincare products may become a hindrance to the growth of the market. Nevertheless, the organic skincare market growth is expected to show an upward trend.

Get Table Of Content https://www.transparencymarketresearch.com/sample/sample.php?flag=T&rep_id=32543

The organic skin care market has been segmented on the basis of type, gender, point of sale, and geography. Based on type, the organic skincare market is classified into facial care, hair care, make-up, and body care. Based on gender, the market is categorized into male and female. On the basis of point of sale, the organic skin care market is segmented into exclusive retail stores, online channels, supermarkets/hypermarkets, beauty parlors & salons, and multi branded retail outlets. Based on geography, the organic skin care market has been divided into North America, Asia Pacific, Europe, Middle East & Africa, and South America.

Some of the major players in the organic skin care market include Procter and Gamble, L’Oreal, Avon Products Inc., The Estee Lauder Companies Inc., Jergens, Johnson & Johnson, Kao Corporation, Private Label, and The Body Shop International PLC.

#Organic Skin Care Market

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mealha · 6 years ago

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Juno Calypso's best photograph: voyeurism in a pink cold-war bunker

‘It was built as a cold war bomb shelter by an Avon director and a hairdresser to the stars. Now it’s owned by a group of people who want to be frozen cryogenically and live for ever’

I like the way the pose matches the curtains opening. It also has a Hitchcock Rear Window element, as if I'm peeking in on myself from the garden

Juno Calypso is at Studio Giangaleazzo Visconti, Milan, until 11 January

Continue reading... from Photography | The Guardian http://bit.ly/2RvDKkn

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antionetterparker · 6 years ago

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Younique: 14 facts you should know before joining [Review]

Virtual parties on social media…

Cosmetics on par with CoverGirl…

Payment within 3 hours of making a sale…

This isn’t your mom’s beauty MLM. It’s a new (and definitely more modern) way to approach network marketing.

Younique is a trendy cosmetics MLM with clever branding and marketing strategies. The 1950s are calling and they want their Tupperware parties back, right?

Telling companies they HAVE to embrace the digital revolution if they want to stay competitive is old news, but they don’t always listen. Younique, on the other hand, hasn’t just embraced it — they’ve made sweet, sweet love to it.

FAQ

1. What does Younique sell? Younique sells makeup, skincare, and fragrances to support their mission of building women’s self-esteem and validating their inner and outer beauty.

2. What are Younique’s most popular products? Younique Moodstruct 3D Fiber Lashes lash enhancer could be considered their flagship product. It was the first beauty product that went big. Other big sellers include Touch Mineral liquid foundation, Moodstruck Splash liquid lipstick, and Moodstruck Epic mascara.

3. How much does it cost to join Younique? You’ll pay $99 to become a Younique distributor.

4. Is Younique a scam? No, it’s a legit company selling real products.

5. What is Younique’s BBB rating? A+

6. How long has Younique been in business? Since 2012

7. What is Younique’s revenue? $400 million

8. How many Younique distributors are there? 1.19 million

9. What lawsuits have been filed? In 2017, a class-action lawsuit was filed against Younique for promoting their Moodstruck 3D Fiber Lashes as “natural” and containing “100% Natural Green Tea Fibers” when it contains unnatural ingredients and no green tea leaves at all. [1] In 2017, Younique sued Maelle Beauty and forced it to shut down for 5 months. Its founder was a former employee of Younique. [2, 3] In 2016, Luci Bags LLC sued Younique for violated trade dress, basically recreating Luci Bags and claiming they were created by Younique. [4] In 2018, the case was dismissed. [5] Also in 2016, Younique Products disputed with Mark M. Youssef over the trademark of Younique. [6]

10. Comparable companies: Avon, Mary Kay, Rodan + Fields

So should you get involved?

Product-wise this company might be legit, but if you’re just interested in the business opportunity, there are better options out there…

Click here for my #1 recommendation

Either way, here are 14 facts you should know before joining Younique.

#14. They were kind of an overnight success

Younique hit the ground running and reached their goal of 999 presenters within 9 months of launching. [7]

Then, in 2015 they were named one of Utah’s “emerging elite” companies [8], and co-founder Melanie Huscroft claimed Younique was the “fastest-growing company in the nation” (exaggeration?) after they exceeded $53 million in sales in the month of November alone [9].

Now they have over a million Presenters (distributors). [10]

This still doesn’t touch Younique’s cosmetics competitors — MLM giants like Mary Kay, who has 3.5 million distributors; Nerium, one of the fastest growing skincare MLMs; and Avon, the world’s largest direct seller with $5.7 billion in annual revenue. But it’s pretty impressive for a company that’s still learning how to walk.

#13. Beauty mogul Coty now owns a majority stake

In 2017, Coty Inc. acquired 60% of Younique for $600 million in cash. The company is still led by brother-and-sister founders Derek Maxfield and Melanie Huscroft, who own the remaining 40%. [11]

Coty is one of the biggest players in the global beauty scene, with more than 70 brands in their portfolio, including CoverGirl, Clairol, OPI, and premium fragrance and skincare labels Calvin Klein and Marc Jacobs.

#12. They’re operating globally

When Younique launched in the UK in 2014, they signed on their first 1,000 presenters in under 30 minutes flat. [12]

They’re now operating around the world: U.S., Canada, Australia, the UK, New Zealand, Mexico, Germany, France, Spain, and Hong Kong.

#11. Naturally based products

Consumers are increasingly skeptical about chemically-based products, and Younique’s products are “inspired” by nature.

Their makeup isn’t chemical-free, but it’s marketed toward the naturally-inclined and free of harmful fillers. [13] They claim their newest set of Moodstruck Addiction palettes are formulated without any gluten, parabens, PABA, BPA, or latex.

Also, they don’t do animal testing. [14]

#10. A Generous Sign-On Kit

It costs a one-time fee of $99 to become a Younique presenter, which is pretty standard if not a little high. But presenters don’t have to turn around and buy inventory, and they get $225 worth of product, including the mascara that won them a cult-following and still sells 16,000 units a day. [15]

1 Moodstruck 3D Fiber Lashes+

1 Moodstruck Addiction Shadow Palette (palette will vary)

Angled Shadow / Sponge Brush

Beachfront Self-Tanning Body Lotion

Splurge Cream Shadow in Elegant

Cream Shadow Brush

Shine Eye Makeup Remover Cloths

Skin Care Sampler

Foundation Sampler

Bronzer Sampler

Pigment Sampler

Blush Sampler

Lip Gloss Sampler (Set of 10)

Lip Stain Sampler (Set of 7)

Shade Stick

White Charm

Black Oval Presenter Case

#9. Super simple compensation plan

Younique’s compensation plan is one of the simplest in the industry.

Statuses are colored, you start at white and work your way up to black, gaining additional commission and perks with each bump.

The first chart explains the requirements for each status, and the second lays out the compensation for each status. While a 20-30% commission rate is nothing special, (Mary Kay offers 50%), the royalties folks with higher statuses can make off their recruitees means there’s definitely potential to make money.

#8. You have to recruit to make good money

This is a big negative. It’s the reason a lot of MLMs get called pyramid schemes and spam — they rely on recruitment over product sales.

While Younique definitely focuses on product sales, it’s true that you’re not going to make a fortune off commission alone.

Without recruiting, even if you sold $10,000 worth of product, you’d only make $2,401 after the cost of your starter kit. If you sell that much every month (not easy), you’re bringing in an annual salary of only $30,000 before taxes.

#7. Instant commission payments

Getting paid faster doesn’t mean you’re making more – or does it? To millennials, instant payment is a deal maker. Nearly two-thirds of millennials say being paid immediately helps their finances and a quarter actually prefer quicker payments to a pay raise. [16]

Through Younique’s PayQuicker system, commissions are deposited into Presenter accounts either instantly or within 3 hours of sales. Presenters are even given their own Younique branded debit card so they don’t have to wait for the money to transfer to their bank accounts.

#6. They have a strong message

You know what else millennials love? Working for a cause they believe in. [17]

The message behind Younique promises to “uplift, empower, and validate women” in an industry full of impossible beauty standards. Younique even uses regular people, their own Presenters, rather than professional models to show off new looks in their catalogs.

#5. Sales support a good cause

Younique puts their money where their mouth is when it comes to their mission.

Younique products were partially created in order to fund the Younique Foundation charity. The cause is personal for co-founder Melanie Huscroft, who says “Our goal was to build a company that would become so successful that it could ultimately fund a foundation for women who were sexually abused.” [18]

The charity raised $1.2 million in 2017, and half of it was spent on healing services [19]

#4. You never have to buy inventory

That’s right, no minimum order requirements.

The largest taxi company in the world owns no taxis (Uber), the most popular media owner creates no content (Facebook), the most valuable retailer has no inventory (Alibaba), and the largest accommodation provider owns no real estate (Airbnb). [20] Digital disruption has arrived, and Younique gets it.

Products are shipped to customers directly from your Younique site, so your sales are done 100% digitally.

This also means…

#3. No more home parties

Who actually wants to be the hostess with the mostess? Setting up, catering to guests, cleaning up afterward — no thanks.

And let’s be real. If younger folks are forgoing actual parties in favor of staying in and watching Netflix, they’re not going to come out in droves for a “party” where there’s no keg and someone’s selling them something.

Younique Presenters never host a single home party. Instead, they create and host virtual parties via social media platforms like Facebook.

#2. Social media masters…or obnoxious spammers?

Relying on social media for marketing is a double-edged sword.

It’s easier, and if you know your way around social media and internet marketing, you can really leverage it.

That being said, people are (understandably) fed up with seeing their Facebook and Instagram feeds littered with sales pitches and “party” invites from friends trying to sell to them. And many Younique distributors are guilty of this.

#1. Younique is TRENDY

The cosmetics industry is tough. Avon is literally older than your grandma who wears it.

Younique may be the new kid on the block, but they’re going for Prom Queen.

Younique’s battle strategy is clear: target younger markets. Well, at the rate the company has been trending, they may have them cornered.

Could Younique be the future of direct cosmetics sales? We’ll see.

Recap

While Younique may be a great company and the trends indicate they won’t be losing popularity anytime soon, they’re still MLM and the industry has flaws. Not saying it would be impossible to make money, but your time could be better spent.

Look, I’ve been involved with network marketing for over ten years so I know what to look for when you consider a new opportunity.

After reviewing 200+ business opportunities and systems out there, here is the one I would recommend:

Click here for my #1 recommendation

via https://mlmcompanies.org/younique/

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mlmcompanies · 6 years ago

Link

Virtual parties on social media…

Cosmetics on par with CoverGirl…

Payment within 3 hours of making a sale…

This isn’t your mom’s beauty MLM. It’s a new (and definitely more modern) way to approach network marketing.

Younique is a trendy cosmetics MLM with clever branding and marketing strategies. The 1950s are calling and they want their Tupperware parties back, right?

FAQ

1. What does Younique sell? Younique sells makeup, skincare, and fragrances to support their mission of building women’s self-esteem and validating their inner and outer beauty.

3. How much does it cost to join Younique? You’ll pay $99 to become a Younique distributor.

4. Is Younique a scam? No, it’s a legit company selling real products.

5. What is Younique’s BBB rating? A+

6. How long has Younique been in business? Since 2012

7. What is Younique’s revenue? $400 million

8. How many Younique distributors are there? 1.19 million

10. Comparable companies: Avon, Mary Kay, Rodan + Fields

So should you get involved?

Product-wise this company might be legit, but if you’re just interested in the business opportunity, there are better options out there…

Click here for my #1 recommendation

Either way, here are 14 facts you should know before joining Younique.

#14. They were kind of an overnight success

Younique hit the ground running and reached their goal of 999 presenters within 9 months of launching. [7]

Now they have over a million Presenters (distributors). [10]

#13. Beauty mogul Coty now owns a majority stake

In 2017, Coty Inc. acquired 60% of Younique for $600 million in cash. The company is still led by brother-and-sister founders Derek Maxfield and Melanie Huscroft, who own the remaining 40%. [11]

#12. They’re operating globally

When Younique launched in the UK in 2014, they signed on their first 1,000 presenters in under 30 minutes flat. [12]

They’re now operating around the world: U.S., Canada, Australia, the UK, New Zealand, Mexico, Germany, France, Spain, and Hong Kong.

#11. Naturally based products

Consumers are increasingly skeptical about chemically-based products, and Younique’s products are “inspired” by nature.

Also, they don’t do animal testing. [14]

#10. A Generous Sign-On Kit

1 Moodstruck 3D Fiber Lashes+

1 Moodstruck Addiction Shadow Palette (palette will vary)

Angled Shadow / Sponge Brush

Beachfront Self-Tanning Body Lotion

Splurge Cream Shadow in Elegant

Cream Shadow Brush

Shine Eye Makeup Remover Cloths

Skin Care Sampler

Foundation Sampler

Bronzer Sampler

Pigment Sampler

Blush Sampler

Lip Gloss Sampler (Set of 10)

Lip Stain Sampler (Set of 7)

Shade Stick

White Charm

Black Oval Presenter Case

#9. Super simple compensation plan

Younique’s compensation plan is one of the simplest in the industry.

Statuses are colored, you start at white and work your way up to black, gaining additional commission and perks with each bump.

#8. You have to recruit to make good money

This is a big negative. It’s the reason a lot of MLMs get called pyramid schemes and spam — they rely on recruitment over product sales.

While Younique definitely focuses on product sales, it’s true that you’re not going to make a fortune off commission alone.

#7. Instant commission payments

#6. They have a strong message

You know what else millennials love? Working for a cause they believe in. [17]

#5. Sales support a good cause

Younique puts their money where their mouth is when it comes to their mission.

The charity raised $1.2 million in 2017, and half of it was spent on healing services [19]

#4. You never have to buy inventory

That’s right, no minimum order requirements.

Products are shipped to customers directly from your Younique site, so your sales are done 100% digitally.

This also means…

#3. No more home parties

Who actually wants to be the hostess with the mostess? Setting up, catering to guests, cleaning up afterward — no thanks.

Younique Presenters never host a single home party. Instead, they create and host virtual parties via social media platforms like Facebook.

#2. Social media masters…or obnoxious spammers?

Relying on social media for marketing is a double-edged sword.

It’s easier, and if you know your way around social media and internet marketing, you can really leverage it.

#1. Younique is TRENDY

The cosmetics industry is tough. Avon is literally older than your grandma who wears it.

Younique may be the new kid on the block, but they’re going for Prom Queen.

Younique’s battle strategy is clear: target younger markets. Well, at the rate the company has been trending, they may have them cornered.

Could Younique be the future of direct cosmetics sales? We’ll see.

Recap

Look, I’ve been involved with network marketing for over ten years so I know what to look for when you consider a new opportunity.

After reviewing 200+ business opportunities and systems out there, here is the one I would recommend:

Click here for my #1 recommendation

#MLM companies #network marketing companies

0 notes

classycollectorartisanposts-blog · 7 years ago

Text

Downsville Wisconsin Cheap car insurance quotes zip 54735

"Downsville Wisconsin Cheap car insurance quotes zip 54735

Downsville Wisconsin Cheap car insurance quotes zip 54735

BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr

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How much would car insurance be for a 19 year old teen with plenty of tickets?

Why Is my Car insurance claim taking soooo long?

Hi all My car was stolen on 9th December and I still am waiting for a decision. My car has not been found and my insurers are requesting for a police report which will take up to 40 working days. Does car insurance claims usually take this long??? Thanks

Medical/health Insurance for H1b and H4 visa holder?

What is the best medical/health insurance ?Is dental,vision and pre natal included? What are HMO/PPO plan?What do i need to know about it? need some input. pls suggest. thanks =)""

Will tinting my windows add to my insurance?

Wanting to get my golfs windows tinted and im wondering if it will add to my insurance? Do i need to let my insurance company know?

Homework / car insurance question?

I have to do a budget for the next 5 years of my life and im lost on how to get the car insurance part figured out. I have to figure out hom much i would be paying for car insurance if i was to buy a car in the future? can someone please help, i'm so lost. and plz dont just give me a website to go to, plz explain it a little. thanks""

Anyone in Florida with a 220 insurance license?

I want to study for the 220 insurance test but before going to the school i needed to get a head start, and was looking for some study material can anyone help or send some lititure to study??""

What is a good low cost health insurance plan for my family?

I am 27 and my wife is 26. I am currently a full time college student and my wife is bartending until I finish school. We have no kids but also not a lot of money. I don't mind ...show more

Can I get car insurance under my name when there's insurance on the car?

So after finding out that I'm not under the car insurance, I want to get insurance on me. Can I get liability coverage, or at least some form of auto insurance on me, despite the fact that there's already insurance on the car? I want something in my name, that way I can drive it without being paranoid of getting in an accident and not being covered. So basically, can you have two forms of insurance on one car?""

Where can I get health insurance?

I have a disability (hearing loss), and I don't have a job, so I am not working. I want to get a hearing evaluation at University of Washington (where I live) but I need health insurance. Otherwise it will cost me 900 dollars which, I don't have. What can I do?""

Life insurance - can policy owner change % allocation after death of insured?

My sister has a policy with NY Life where she is the policy owner.. AND is 50% beneficiary with me. My mothe passed away 2 weeks ago.. however my sister tried calling NY Life to change the % to her benefit, 70/30. Bottom line my sister is cheating me out the insurance money. Can this be done post death? I've always thought once insured has died changes can NOT be made. I may be wrong..... Any comments or suggestions?""

Can I insure a motorcycle at age 16.?

I am 16 and my parents are not ok with me getting a motorcycle. They were, but now they're not. I have a motorcycle permit and want to buy a motorcycle and I want to know if I can insure it with just that. Can I? EXPERTS ONLY""

Whats the cheapest car insurance for a 18 yr old female?

ok im trying to buy a 2004 mercedes benz c230 my payments will be $219 a month whats some good cheap insurance? i make about $2100 a month but i need to save for something pllease help!!

About car insurance and drive?

Hi, Anyone can tell, if my insurance for on my name third party only and my friend have just new license and he can drive without anything else like insurance!! If he can't. By legally so if he'll catch when he's driving my car so by uk law what punishment /fine For me?? Or. I'm safe!""

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Where can I go for affordable prescription glasses being that I do not have any insurance?

I've noticed my vision is a bit blurry and i'm always getting headaches these days. On Thanksgiving my Uncle let me try on his prescription glasses. It wasn't blurry at all. In fact, I've never seen better so I KNOW FOR SURE I need glasses. Do you think Walmart would be affordable?""

Any advice to offer on car insurance?

Do you have any advice to offer on buying insurance on my very first car for a first-time driver? Any advice at all? Any recommendations, anything to avoid, etc.?""

Do I have to tell insurance about my ticket?

I got a speeding ticket about a year ago. My question is I'm trying to get an insurance quote, do I have to tell them about my ticket even though I went to traffic school and did not effect my current insurance rates? Thanks!""

How much is motorcycle insurance for a 21 year old?

I'm 21 and I'm gonna get a motorcycle I just wanted to know how much some of you 21 year olds pay for motorcycle insurance

How high are my Insurance rates going to get up too?

I am 17 turning 18 and i am looking at getting a 2000 Pontiac trans am with 28,000 miles. how much do you think my monthly payments will be on that car at my age for full coverage? and i have been in a n accident in the winter i slid into a tree so how much do you think that will be? I have state farm. Thanks for any help you may have.""

How do people save so much on car insurance?

I keep seeing these commercials where people can save $500 or more on car insurance . Our two late model cars are fully insurance beyond what we need and they are only $950/year. Are you telling me I can get our cars insured to the same degree for $450/year? Seems really inexpensive.

How much would car insurance be under my dad's policy? Or by itself under my name?

I'll be 21 in September and I'm getting a car really soon. I just have no clue how much the premium is going to cost me. I'm getting an older car. 100,000+ miles. So my question is, if I insure my car under my dad's policy and put it as one of those cars that is occasionally/rarely used , how much would a premium cost? If I decided to not join my dad's insurance and just get my own, how much would it cost? I'm not looking for sure good insurance because I'm a very safe driver- but I'm also not looking for crappy shady insurance either. Thanks!""

How can i get cheap car insurance? IRELAND?

hi i'm living in ireland and i'm looking forward 2 drive and i was wondering how will i get cheap car insurance first? because i want 2 be able to save up? any website i go onto like 123.ie or quinn direct.ie they keep asking me for license and type of car and i don't have none yet is there any other easier way please help thank you very much..

What happens when your employment insurance ends?

i am receiving regular benefits at the moment because i got laid-off but i want to know what happens when it ends..can i still apply for another one since i submitted only one record of employment to service Ontario but i have records of employment from my previous work can i use that one to claim another?

Car insurance.....???

What is the best Insurance Company for young adults? I'm 23 years old. Who can save me the most money??

CAR INSURANCE FOR A 16 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

What would be the best way for me to minimise my car insurance?

Ok, before I start, I DO know that its not going to be cheap but I want to figure out the best way to get insurance. (This is in the UK by the way) Well, I turned 17 a few days, got my provisional today, and am thinking, uh oh - look at these insurance quotes. Is it a good idea to get my name added onto my parent's insurance policy? They're with Tesco car insurance. Apparently this lowers costs but is it worth it, and is there anything better? Also, do your public exam marks make any difference? I got good grades in the summer, A* in every subject, so does this help? The car is a NISSAN PRIMERA S TD 2001 1974cc Five Door Hatchback Manual Diesel. So it's not really a new car, and its silver in colour. The mileage per annum definitely won't exceed 5000 miles. Any help is appreciated, thanks.""

Where can I get Affordable Life Insurance?

Best Insurance company?

What is the best insurrance company for both auto and home please let me know as soon as possible - I live in WV

Can you have a separate car insurance policy for a different vehicle?

I am 18 and I am insured under my parent's policy for my main car. I'm really into cars so I wanted to buy an old Explorer or something as a throw around car to work on, but my parents would never let me put it on their insurance. I don't need collision or comprehensive, just liability insurance. Is it possible to be insured under my parent's policy for my one car and insured under a separate policy for a second car? I live in New Jersey if that makes any difference.""

Leaving for several month. what about car insurance?

I'm leaving USA for about 4 months. What should I do with my car insurance? I don't really wanna pay for insurance because I won't be in the USA. What should I do? need a good advice

Car Insurance for teens?

How much would it cost monthly for a teenage girl? You don't have to be exact but make an estimate.

Can I get insurance on somebody elses policy?

OK, I'm 17 and would like to start driving when I pass my test. So as a new driver, can I insure a car on my mum's policy? (In the UK) I hear it's a lot cheaper, so how much would I save if I insured a 1 litre VW polo on my mum's policy? Compared to a policy of my own. Thanks in advance.""

Discount car insurance by putting another name on my insurance?

I know plenty of people the same age as me, 19 who have put another persons name on their car insurance eg. family or friends so its cheaper due to the other persons experiance, my mum passed her test when she was 21 but has never drove a car or owned a car herself since... so would putting her name on my insurance be pointless.???""

Do I need motorcycle insurance?

Do I have to get motorcycle insurance? If so, whats the absolute cheapest insurance i can get?""

Car insurance question.?

I was involved in an accident recently. The other driver ran a red light and totaled my car. There were no witnesses or cameras. The other driver claims that I was the one who ran the red light. This is not true. The police report was finished today and it came back in my favor. I only have liability insurance so I am waiting to hear from the other driver's insurance company on whether or not they are going cover the cost of replacing my car. Do you experts think they will cover my full costs? Thanks, Eric""

Cheapest car to buy and insure for teen?

so iv just passed my driving test im 17 me and my mum are going half on a car and insurance what is the cheapest car to buy and insure for a girl

""Cheap, yet reliable insurance?""

What would be the overall consensus on the most affordable car insurance coverage. Considering I need to file an sr22 form, plus I've had a dui and a reckless driving charge. I know that makes me sound like a horrible driver, but honestly I've just had some major bad luck, I'm very careful, never had an accident, just was in the wrong place at the wrong time. Don't currently have a car, but will likely get reliable four door sedan of somesort, newer model. Plus I know that 25 is the year rates drop, I am 24, had the dui nearly four years back and the reckless just over two.""

What are the cheapest cars to insure?

i just want to know what the cheapest cars are to insure as i am going to get my first car soon.

Will my Insurance go any higher if paid off by Collision ?

I bought my Acura in 2006 and have been in mint condition since then. Recently, the snow plougher scratched my car and didnt leave a note. I called the manger of the snow plougher and filed the police report. He took the responsibility but during the report he said that he will give the name of the driver and vehicle later. After few weeks when I didnt hear I called the manager and he said his company will not cover anything and I can do whatever I can.... I called my insurance company and they are willingly to cover through my insurance - Collision, instead of comprehensive. The repair is $2000 + rental car for 9 days ~$2500. My deductible is $100 for collision and $50 for comprehensive. Do you think if they use Collision my insurance rate will go higher ? [Ofcourse I dont have any choice at this time. my insurance company said they cannot file a lawsuit or anything against the snow plougher company]""

Downsville Wisconsin Cheap car insurance quotes zip 54735

I have a question about car insurance in N.C.? I REALLY NEED AN ANSWER????????????????

okay, im 15, im about to get a car signed over to my name, what im wanting to do is have it in my name, work out the problems with it over the years, then by the time i get my license, it'll be running nice and good so i dont have to worry about it, sounds simple huh? well i've only encountered one problem with this, and that is my mom says that you need to have car insurance to be able to own a car by law. so the whole time that i own the car, fixing it up and stuff, (when im not driving it), ill have to pay car insurance on it, i dont have a job yet, so i dont wanna dig a ditch that i cant get out of, so by law in N.C., do i have to have to have car insurance on a car, if i dont have my license, and im not driving it, i guesse a simpler way to put it is do i have to have insurance on a sitting car. an answer is crucial and best answer gets 10 points, please help thank you""

Can anyone explain life insurance to me?

Can you insure the whole family? As if, if any of them passes away the rest get the money?""

How much does Auto insurance cost in Mass?

I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""

I need help finding an affordable health insurance plan!! I am a young adult!?

I need help finding an affordable health insurance plan!! I am a young adult! I currently am 20, and I am on Medicaid. Full coverage. I am a former foster youth. Being a former foster care youth I get medicaid until I am 21. I turn 21 in October...I need some sort of affordable health insurance plan. I take ADHD medication, it really works and helps me focus. My work ethic has improved SIGNIFICANTLY, and I can actually focus. Its great, I am about to start college and am worried I am no longer going to be able to take this ADHD medication. I support myself for the most part, and no, I can not be on my parent's health insurance. I make about 16,000 a year, and pay half of rent and some bills etc. I need to find a health insurance plan that either A. will pay for all my my 198.00 a month prescrption cost, or B. pay for most of it. Will someone help me out? Direct me to any insurance company you know that can help me? Thank you so much. And please..real answers. Thank you for your time!""

Car insurance policy and rates question?

My girlfriend is on my car insurance policy. Recently she got in an accident and now I believe our car insurance rates will be raised. Can I drop her off my car insurance policy and have her transfer her car in my name that way both cars can be insured in my name. If I do this can she still drive her car?

Car insurance policy?

Hi.A mate of mine purchased a car insurance from AA.com in july2008 & paid the full annual amount upfront. About 6 weeks later someone vandalised the car,so she he called the police & AA to report the incident.He told me that the AA said The damage sounds like it will have to be written off ,If this is the case,does he get the remaining 46 weeks of this insurance money back?,I know this sounds silly ,but he thinks by asking the AA ,they might accuse him.....Thanks""

How much does it cost to replace an in-dash navigation system and does insurance cover it?

So here's the story. I was driving in my 2012 Honda Civic today and got angry and punched my navigation system (I know. It was unbelievably stupid. I know.) Anyway, the screen is shattered now, but the system still works. I called up a Honda dealer who said it would cost $3600 not including parts and labor. When I search online, the navigation systems seems to cost between $250 and $700. So what I want to know is, how much should I expect to pay to get this fixed. How long does it take? Will my insurance cover it? If my insurance covers it, will my rates change? Is the dealer the best way to get it fixed? I'm also under my warranty still, is there any way this is covered in my warranty?""

""Modified Car, Insurance?""

I am a new driver and interested in buying a renault clio, however it has two things that might class it as being modified, lexus lights and a renault clio sport exaust. Would this affect insurance much, and is it worth not telling the insurance company about it?""

Can i switch car insurance from one car to another?

i have a car with car insurance on it, but i am going to buy another car, and i want to take the car insurance off my old car and put it on my new one. is it possible and if so how do i go about doing it?""

Best New York Insurance?

Ok I'm 19, my mom's thinking of getting a CR-V or an Odyssey and I live in the Bronx so how much would it be for an insurance?? Any cheaper?? I have experience in driving had so many driving practice. Also what if I add another car? Would the insurance be cheaper or still off the roof? I'm thinking about A Miata that cost around $3,000 about 1996 model. Thanks!!""

Is the Nissan 300zx (1991) a good first car for a teenager?

I just want to know, I'm shopping for my first car. I have about $3500 and I want a car that is sporty. I like the nissan 300zx, and I need to know if its a reliable enough car and a good buy for my first car. I f anyone has any advice or knows about the car, let me know. Thank you!""

*Help* First Motorcycle?

I am about a month away from purchasing my motorcycle and already have a total including the bike, gloves, jacket, and helmet i just wanted to know the average total cost to get it road legal for example the Insurance, Tax, registration, and MOT (I am 18 the bike is 125cc I have my provisional and CBT) I have fashioned rough estimated total for Insurance, Tax, registration, and MOT but would like to know if 677?? a realistic estimate. If i have left anything out please tell me i need to know what i am getting into. Thank you. _""

If I have secondary driver Insurance on my Dads car. Am I still covered on our other car aswell?

My Dad put secondary insurance on his car (that I pay) so that I can use it. But he never lets me use it because he takes it to work everyday. But my Step Mom has her car here, and my dad tells me I can't use it because my insurance only covers his car. Is he just being a douche?""

What is best health insurance for a 43 yrs old male single ?

not to expensive health insurance .

TERM LIFE INSURANCE IN NEW YORK?

any companies offer no exam life insurance for residents in nyc? $50,000 or more.""

Insurance question for 17 yr old driver (sports cars)?

At the end of the summer I am allowed to buy my own car. At that time I will have been driving for about a year and a half under my parent's insurance. I have 2 options as far a buying a car: putting about a $5000 down payment on a car and my parents paying off the rest before I graduate college, or buying a car for $5000. The cars I would buy for $5000 would either be a mitsubishi 3000gt or a nissan 300zx. I like both of these cars, but they're not very professional and since I hopefully will have whatever car I buy through college, I want something that doesn't scream hey i'm fresh out of high school and stuck with a sports car! As far as putting a $5000 down payment at a local dealership, my limit is about $16,000 at the most. For 16,000 I was looking at a used (obviously) BMW M3, Mazda Rx8, and Audi A4, or (if I get extremely lucky and stumble upon a) Infiniti G35. These cars look a little more mature than the ones I would buy for $5000.""

I am thinking of getting renters insurance. What is the cost of most average cost of most polices?

Live in a 2 story, downstairs apartment ground floor, one level., I have a doxie (weiner dog), my son who is an adult and my husband.""

""Insurance question I need help with, any help would be great?""

I need some help here... The question is Hans sells his car to Pieter and now has no car and no need of auto insurance. Hans calls his State Farm agent to tell him to transfer his auto insurance to Pieter. The agent tells Hans: A. The transfer will not take place until that night at 12:01 AM B. That Hans will need to put Pieter on his policy as an additional driver C. That Hans must keep paying the premium until the end of the policy period. D. That he cannot transfer the policy to Pieter. E. None of the above. Im pretty sure B and C are incorrect, but otherwise I have no clue. Any help would be greatly appreciated!""

Cheap car insurance quotes??

I've heard 'Co-op' is a good place to get cheap car insurance from.. However i've tried to get a quote of their site and it seems they want you to have a car already chosen or something. I don't have a car, im 18 and i neeeed one. Can anyone help me!? I'd like a fiat 500 orrrr a silver fiesta. Thank you!""

Auto Insurance Question on a Hit and Run?

My boyfriend is not listed on my insurance because he has a company vehicle that his boss lets him drive. Anyway today he decided to take my car to go pick up our daughter from school. As he was backing up he backed up a little too quick and hit one of the teachers car. He said he looked out the window and saw there wasn't any damage and took off right away. All it did to our car was literally chip the paint but I wasn't sure what he did to the other car. Anyway I was out shopping later this evening and got a phone call from my partner stating that the cops were at our house and wanted to see my insurance slips and ownership. So I went home and gave them all the information. They ended up letting my husband go on fleeing the scene of a accident but gave him a $110 fine for failing to report the incident. Now here's what I am wondering, I have to call my insurance company tomorrow and notify them that he was driving my car and let them know all the information but I'm unsure what will happen? I can almost guarantee that my insurance will go up but is there any regulations about hitting a parked car within a private parking lot? I know that if she decides to go through the insurance company (which I'm sure she is because she gave all her information to the cop) then I was told I am able to request that she gets 3 quotes from 3 different places so that she doesn't try to stiff me and go for the most expensive. The cop also told me that I have the option to call her and maybe see if she will take cash but I know this teacher and she is one of the worst teachers I have ever met so I highly doubt she will be so accepting of the money. The cop also told us that he went to go view the damage on her vehicle and he said the front number was cracked so it would need to be replaced. He said it's not extensive damage at all but damage nonetheless. What is my best bet in this situation? I am screwed either way? Because I know when I signed up for insurance one of the questions she asked was is there any other licensed drivers in the household and I told her no but my boyfriend is a licensed driver but just doesn't drive my car. He is also not on my lease so I can always say that he just moved in after Christmas which at the time I filled for insurance he wasn't living with me. Has anyone else had this situation happen to them? Any advice would be greatly appreciated! Thanks in advance""

Where can i get cheap car insurance?

""Just got my M1 , wondering what kind of motorcycle I should look at? ( price/Insurance wise )?""

I have my eye on the Suzuki 500 gs , Since its considered a Touring sport, I will have cheaper insurance... Any suggestions on some motorcycles, I live in Ontario Canada. Thanks""

Dad's Car Insurance Coverage for My Car Accident?

I was in a fender bender, rear ending a truck in my Mazda 3. The collision cause minor damage to the Ram1500 rear bumper, but because I tried turning to dodge it, it broke it my headlight, scrunched my hood, and the driver door doesn't open well. Basically, the car was mine. Title under my dad's name until 4 months ago. Now under mine. The car is insured by my dad. I was not on the insurance. Since the car has been towed to the shop, the insurance company has opened an investigation to straighten things out. They are wondering if it is under my name, and my dad's insurance, why I was driving it and not on the plan. My brother thinks they are trying not to pay for the damage, I'm just hoping they will. I don't know much better, only driving since Aug2012. Can I have any advice or information you know about the subject, or post questions for any additional info you may have. Thanks.""

Affordable Care Act: The Health Insurance Exchange concept seems to do the trick... so why complaints?

The Health Insurance Exchange idea allows individuals to come together and have the purchasing power of a large corporation. In this manner these uninsured people can get insurance at ...show more

Whats the best insurance for the self employed?

We need some insurance, but don't have a ton of cash.""

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""Insurance Claim estimate lower than expected, what do I do?""

An elderly lady backed up into my car a few days ago and we decided it'd be best to file an insurance claim. After the claim was ruled in my favor I was sent to a body shop for an estimate of the repair. The damage was to the rear quarter panel of my car which consisted of a scrape across the panel and a quarter sized dent in the panel. The insurance adjuster gave me an estimate and check for 855$. My question is in regards to the repairs, I feel that since this is 100% the other party's fault and since I am the person who has to drive the car that I am entitled to the maximum premium in repairs. I have been reading on Paintless Dent Removal (PDR) and most will say that its the cheap way of making a repair. Does anyone know if it would be possible to go back and get a new estimate/settlement for a new rear quarter panel? Basically my logic is this, if you damage any of my property it should be 100% my call if I want to settle for a compromise or not.""

Life insurance is not a investment?

LIfe insurance is a investment tool Is it worth it? It's a great investment tool. Not married, no kids? What's the POINT of the life insurance?""

Poll: how much do you pay for car insurance?

2012 mustang gt vs 2009 bmw 335i coupe for insurance and reliability?

im am wondering what would be cheaper on insurance but most off all what would be the most reliable please no bias, although i am a ford fan boy you cant argue with a bmw but i hear they arnt to reliable being twin turbo v6, and also because if they arnt reliable i dont want to be stuck with expensive a## parts to buy... im 19 with a clean driving record""

Auto insurance : which company do you recommend?

We want to switch car insurance...our current one is so expensive! Any recommendations please?Thank you so much.

Car insurance changes depending where you live?

My sister has had a car for awhile now that was given to her by a family member, and she had her insurance and all set up and she was fine. We moved pretty much across the street but when you cross this street you live in a different town, the borders are in the middle of the road. So she called to change her address and they charged her 30 some odd dollars cause apparently the costs of living in this down is higher on your car insurance, so can anyone please explain to me why this is? Why would moving from one town to another, [across a road] take any effect on car insurance?""

Whats the cheapest auto insurance in texas?

i need to get a 1 month auto insurance for my 94 mustang whats the cheapest i can get it for and also about how much would i have to pay to put it under my name

Isn't it mathematically impossible for EVERY car insurance company to save me $300 if I switch to them?

I'm just complaining about the Lyin' Lizzards, so don't bother pasting in a car insurance website, and don't bother telling me that it's just advertising. First person who doesn't read this part is an idiot. And the first person to tattle on them in their answer gets the 10 points. Good luck! The hunt is on!""

""If I am under my mothers insurance, will it help me in the future when I branch off?""

I am thinking about putting my first car insurance under my mothers name, but in a couple years I want to start paying it on my own. Will the fact that I was under her name help me a little with my rate? Or will it not matter, and the insurance company will treat me as a new driver?""

""I pay more than $10,000 per year for Health Insurance, does that sound reasonable?""

I'm self employed and gross about $105,000 / year. Have wife and 3 small children. (wife stays home) Premium for family is $857.41 / month and increases about 11% per year. M.D. visits have $20 co-pay. Policy through Excellus BC/BS. We live upstate New York and have no health problems.""

""I am a married student, how can I afford pregnancy insurance?""

I am a 22 yr old married college student. I have been married to my wife for 2 years. We don't plan on having any kids until after we both graduate from school, but there is a ...show more""

I need cheap auto liability insurance can anyone recommend a good company?

Why do men pay more for car insurance than women?

This fact is surely sexism based on pure stereotypes rather than relevant information such as the driver's history. Doesn't this just portray the stereotype that men are more irresponsible or 'risk takers' when it comes to driving? Why not base car insurance on ethnicity?

""Car wreck, how much is the insurance going to give me?""

I got into a car wreck sometime this month of May. It wasn't my fault, the guy made an early turn and hit me. My car and his car are now totaled. I was wondering how much money the insurance will give me on the newer car...? By the way, I have a 1995 Honda Accord Ex and its now totaled. I just wanna know how much they will pay me back? And I have insurace, but not full coverage.""

What car has the cheapest insurance?

For a 17 year old.. (MALE)

Should I take off full coverage and just get liability insurance on my car?

I have a 2001 Ford Taurus worth around $5k according to kbb.com. Should I take full coverage insurance off of the car and just get liability? I am not accident prone (though I ...show more

Would car insurance go really high if you got a mustang?

I'm 16 thinking about getting a 2000 mustang 150,000 miles clean driving record I have state farm. I didn't know if a mustang would make it jump to much high than just an average car.""

Why arent car insurance comparison sites easy?

I am really confused how to use the damn things, for example i am trying to find a cheap quote but it keeps on asking when i want the policy to start?? When i do not want it to?? What policy date should i put in if i am just trying to find cheap insurance, not wishing to start it. Help is much appreciated!""

What does 'replacement cost' mean in hazard insurance?

I want to get a mortgage to buy a house. The lender requires hazard insurance at 'replacement cost' basis. I understand the lenders interest in recovering the mortgage, in ...mostrar ms""

How much would average insurance be for a 20 year old student for a 2011 Camaro LS be?

Im looking just to get an estimate.

VW beetle car insurance?

Im nearly 17 and female and love, even though I know its expensive.. A VW beetle as a car soon. Any idea on what the car insurance may be?""

""How to apply for Louisiana Children's Health Insurance Program, LACHIP?""

Are you looking for a low cost health insurance program for your children? Do you live in Louisiana? Well, I just recently found a program called LACHIP that offers affordable healthcare coverage for children. Step1 I'm a stay at home mom, and for awhile my child was getting sick all the time. Our insurance was good but, it didn't cover everything. Then suddenly, my boss told me that she was cutting my hours. I frantically started seeking healthcare insurance that was affordable but, would cover everything we needed. That's when I found a program called LACHIP. Basically, LACHIP is a no-cost or low-cost medicaid health insurance program for children. Step2 First thing, you need to find out if you qualify for the program. The program is basic on income. To find out the income guidelines, contact your medicaid office. They will also give you an application to fill out. To find out your medicaid office contact information, go to: http://www.dhh.state.la.us/offices/contacts.asp?ID=119 Step3 Finally, when you get the application in the mail, fill it out and return it back to the office. Now when I filled mine out, I did not have to put a stamp on the envelope because it was already pre-paid. Then within about a week, someone from the medicaid office will call you and tell you if you are approved or not. If you are approved, then you will receive a medicaid card in the mail for your child(ren) within 6 weeks. Once you receive it, you use the card anywhere medicaid is accepted. Also, don't forget to ask your medicaid representative to include a list of things that medicaid covers. For more how to articles, please visit http://www.ehow.com/members/kleighwickham.html?view=3rd""

How does car insurance work when making a claim?

What happens when a claim is made after an accident? If a car is written off how much does this insurance company pay? If a car is repaired by the insurance company what happens then? I guess they pay for the damage, but do they pay any extra? If the car is repaired then the value of the car will drop, therefore leaving the driver out of pocket even though the damage was not the drivers fault. How does it work? Cheers""

How much will the incurance go up after i start driving?

im 17 and i want to get my license. but my parents are making me pay for the difference in insurance cost. so i was wondering how much it will go up. we have usaa btw

An individual purchasing auto insurance is an example of:?

An individual purchasing auto insurance is an example of: Answer Hedging. Passing risk to someone else. Risk premium. Systematic risk. a and d

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precisemarketreportsandinsights · 7 years ago

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Lip Balm Market Report 2017 Growth Analysis by Players, Regions, Product Types & Applications

According to the findings of a new report added to the repository of Radiant Insights, Inc.; the global lip balm market is anticipated to grow at a fast pace over the forecast period (from 2017 to 2022). The rapid growth of the market is attributed to the increased product demand due to rising awareness among consumers about lip protection from chapping, overexposure to sun, among others. Moreover, a rise in health concerns along with a high demand for multi-functional, multi-care lip balms is predicted to positively affect the global market expansion.

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In addition, many lip balm manufacturers are continuously introducing new products with different flavors, colors, and packaging that attract consumer attention. This factor is also likely to have a major impact on the overall market growth in the forthcoming years. Furthermore, the advent of fast acting and long lasting formulas are also predicted to escalate the market expansion in developed, as well as developing regions over the forecast period.

The global lip balm market is categorized as per product type, application or end user, and region. Based on product type, the market is categorized into liquid gel lip balm and solid cream lip balm. Based on end user, the market is categorized into lip balm for women, lip balm for babies, and lip balm for men. On the basis of geography, the market is divided into Europe, United States, Japan, China, India, and Southeast Asia.

The Southeast Asia regional lip balm market is projected to experience the fastest development during the next few years on account of the high demand from pharmaceuticals. Developing economies such as India, Japan, and China are anticipated to account for a considerable share of the regional market during the forecast period. This growth can be attributed to the factors such as increased purchasing power due to a rise in consumer disposable income and rapid economic development, industrialization, and urbanization in these regions.

Browse Full Research Report with TOC on https://www.radiantinsights.com/research/global-lip-balm-market-professional-survey-report-2017

Constant introduction of new and advanced products at cheaper costs is said to augment the market growth in the developing regions such as China and India. On the other hand, high preference for branded and expensive natural or organic products would boost the market in the developed regions such as the US and Europe.

Some of the major companies operating in the global lip balm market are Avon Products, Inc.; MAC Cosmetics; The Mentholatum Company, Inc.; Maybelline LLC; L'Oréal S.A.; and Revlon, Inc. Many of these prominent manufacturers are investing heavily in research and development activities for the production of advanced and high-quality lip balms in order to attract more consumers and to gain maximum share of the market.

A UK-based startup called FRUU is using fruit waste to make all-natural lip balms. The new range of lip balms is European Union safety-assessed and is created from the waste of more than 15 types of fruits and is composed of 70% of the fruit and plant ingredients. The award-winning startup makes these balms as per orders to avoid wastage of extra or unwanted products and purchases the raw material like fruit wastes from farmers thereby giving them an extra source of income. The new balms are sustainable in many ways and are said to be completely biodegradable. These lip balms contain about 98% to 100% moisturizing and natural substances such as avocado oil and banana extract.

About Radiant Insights Radiant Insights is a platform for companies looking to meet their market research and business intelligence requirements. We assist and facilitate organizations and individuals procure market research reports, helping them in the decision making process. We have a comprehensive collection of reports, covering over 40 key industries and a host of micro markets. In addition to over extensive database of reports, our experienced research coordinators also offer a host of ancillary services such as, research partnerships/ tie-ups and customized research solutions.

Media Contact: Michelle Thoras 201 Spear Street 1100, Suite 3036, San Francisco, CA 94105, United States Tel: 1-415-349-0054 Toll Free: 1-888-928-9744 Mail: [email protected]

#Lip Balm Market

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yvonnesowers-blog · 7 years ago

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5 Reasons Why You Need to Shift To Organic Makeup As well as Skin care Quickly

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A good idea about offering to clients online is actually that they come back to you down the road to obtain brand-new products. Individually, I recognized Avon offered cosmetics, precious jewelry as well as a couple of males's fragrances, yet had no suggestion the amount of products they definitely deliver. Market Wellness delivers payment payments bimonthly through vast remittance choices (examination through mail, financial institution cord, Paypal, pre-paid money card through Payoneer). There are actually a considerable amount of various procedures, most of which you probably really did not associate with a smile's elegance - they're merely appear essential in order that you could continue to use your mouth. Unlike other pro-breast products which could either be actually man-made or even enlargers, it is actually just organic and also operates to earn the boob tissue agency good enough and also back in their position. Also aromatherapy is taken into consideration to be a successful means from accomplishing lovely skin however don't forget that the true charm is revealed through our diet plan. Products that teem with chemicals are going to just dry out your skin, however those skin treatment products created from all-natural substances are going to promote well-balanced skin layer. Be your very own supervisor and produce your very own hours through offering the items you rely on as well as individuals would like to purchase. If you adored this article and you would such as to receive even more information pertaining to mountains in scotland (megliola-figura-eilcorpo.info) kindly go to our web page. This wellness as well as appeal item is improved with necessary constituents like Vitamin E and also Omega 3 that guards as well as nourishes your skin as well as vitalizes your hair also. 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Find terrific skin layer care ideas and also fantastic posts on a vast array of topics for girls at our Skin layer Treatment Blog and - Along with skin layer treatment, they are likewise a terrific resource for As Viewed On TELEVISION Products. Ayurveda recognizes 3 other general body types and also present you how you can easily measure up to your personal capacity with certain revitalizing, cleansing, as well as anti-aging procedures, products, dishes and also practices you create your own self coming from natural components. The title awareness from a beauty franchise offers you an instantaneous consumer bottom that is often big, loyal, as well as expanding, and this lets you use the sources as well as support system from the franchisor, which totals up to a ready-made, effective medspa service planning being put down straight prior to you. Our mission claim is actually Aid people attain their finest feasible wellness futures; and also that can help them appear a lot better, experience far better and live longer, more healthy lives." Our experts were actually the only and first business to become provided a license for a therapeutic skin health routine linked to DNA-based skin health evaluation. Have a good time exploring our posts on sustaining your organic charm - given that elegance really performs begin on the in. Rawsome appeal is actually not produced coming from the outside yet cultivated coming from the inside through nutritionally billed food. I am actually referring to feminine beauty to simply guys and make you feel excellent concerning your own self. To avoid all these exhaustions, having the appeal treatments carried out in your home is actually the most ideal option. 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easyweight101 · 7 years ago

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Redefine Eye Cream Review (UPDATED 2017): Don’t Buy Before You Read This!

Redefine Eye Cream is an eye cream designed to target crow’s feet, dark circles and puffiness. The product works to smooth imperfections and brighten the eye area.

Redefine Eye Cream is made from a formula that includes peptides and caffeine—working together to firm up the under eye skin, as well as reduce puffiness under the eye. The product also contains minerals that reflect light—offering a luminizing effect.

After reviewing a number of anti-aging solutions targeting the eye, we’ve found that Kremovage bring the most comprehensive results to the area. With retinol and peptides doing the heavy lifting, hyaluronic acid and rich oils like avocado and macadamia work to smooth and hydrate. Click here to learn more about Kremovage and its long list of benefits.

Do You Know the Best Eye Creams of 2017 ?

Redefine Eye Cream Ingredients and Side Effects

Redefine Eye Cream contains a variety of ingredients used to create a more awake, brilliant look. Here’s a look at the active components of this formula:

Mica Macadamia Oil Gingko Biloba Peptides Caffeine Honey

Mica: Mica is a mineral that is often used in skin care or cosmetics due to its shimmering effect. In eye creams, for example, it works to offset the appearance of under eye circles.

In some cases, mica may irritate the eyes.

Peptides: Peptides work to penetrate the top layer of the skin, sending a signal to skin cells to produce more collagen. An increase in collagen production works to smooth wrinkles and firm up skin, creating a more youthful appearance.

Macadamia Oil: Macadamia oil is lightweight and easily absorbed by the skin. Rich in omega-9s, this ingredient has an anti-inflammatory effect on the skin—reducing puffiness and adding moisture.

Caffeine: Caffeine constricts the blood vessels around the eye to reduce redness. It’s a good ingredient for people with rosacea or sensitive skin. It aids in circulation and helps reduce excess fluid in the skin, making it a powerful tool in treating puffy eyes.

Honey: Honey works to protect the skin against environmental damage due to its high antioxidant content. It also hydrates the skin, helping maintain moisture and elasticity.

Gingko Biloba: Gingko biloba is known for its antioxidants and antiaging potential. Gingko is thought to prevent and treat fine lines and wrinkles with use.

Click here to read up on the best tips for maintaining that youthful glow—hint, it’s all in the eyes.

Redefine Eye Cream Quality of Ingredients

Redefine Eye Cream contains some good stuff. Caffeine is known for its ability to minimize puffiness around the eyes—showing that its ability to induce wakefulness works on a topical level, too.

Peptides of course are a critical component of many eye creams—providing many of the same benefits as the collagen-producing retinols, minus the potential for redness and irritation.

Based on our look at the ingredient profile, it looks like this product has some potential to reduce fine lines and help users look more awake.

Those with sensitive skin may find the presence of mica and titanium dioxide slightly irritating, but the rest of the formula—macadamia oil, peptides, etc. may offset the risk of a bad reaction.

Also, this product may not be the best choice for those consumers committed to keeping a clean ingredient profile. This product does contain polyurethane—an ingredient with a low hazard risk according to the EWG.

Get the latest on the plants with hidden antiaging benefits — more about botanical skin care right here.

The Price and Quality of Redefine Eye Cream

Redefine Eye Cream is sold directly from the Rodan + Fields, at $62 per 0.5 oz. container. Preferred customers can subscribe and save 10% on all orders, but it’s worth mentioning, sales are not open to the general public.

The Rodan + Fields website functions as a way for the company’s consultants to replenish their supplies. Potential consumers who are not consultants must have a consultant provide them with a code to pass along savings.

Aside from finding a consultant, Redefine Eye Cream may be purchased from Amazon and eBay by third-party sellers. We’ve found that on average, this product goes for around $70 per jar.

Rodan + Fields’ business model is set up to encourage the use of a consultant to place an order. The company does not authorize sales through channels like Amazon, but it can be tricky to regulate online sales.

Overall, this product seems a bit overpriced, and dealing with a consultant may prove to be more trouble than it’s worth.

Additionally, buying from Amazon may come with some risks. Many of the comments posted online suggested that there’s been a problem with fake products making the rounds on the platform.

EDITOR’S TIP: Combine this product with a proven eye cream such as Kremovage for better results.

Click here to read our 2017 eye cream roundup — experts weigh in with the best creams at every price range.

Business of Redefine Eye Cream

Redefine Eye Cream is made by the company Rodan + Fields. Their contact information may be found below.

Phone: 415.273.8000

Address: 60 Spear Street, Suite 600 San Francisco, CA 94105

Email: [email protected]

Redefine Eye Cream is part of a larger line of anti-aging products made by Rodan + Fields. Rodan + Fields is kind of a modern update on the Avon lady or the Mary Kay sales rep—the company relies on independent consultants to sell their wares, often on Facebook and Instagram.

Potential shoppers can buy the products through the Rodan + Fields website, but must first be referred by a consultant who provides a code.

Consultants are part of a multilevel marketing program and not only sell products to friends, acquaintances and more, but recruit others to join the team. The system operates in the same manner as their predecessors—Mary Kay, Pampered Chef, etc.—offering trips, cars and other incentives to encourage sales.

The Rodan + Fields product line was developed by two doctors, who first developed the line of Proactiv acne products.

Overall, the company seems legitimate—especially when considering the fact that this brand is part of a multilevel marketing program.

It’s hard to get a good sense of whether consumers are getting a good value. There’s not much to

Redefine Eye Cream, or any of the other products in this skin care line—the formulas look pretty good, but seem a bit overpriced.

That said, the seemingly high rates may contribute to supporting this company’s large independent sales force.

Customer Opinions of Redefine Eye Cream

Redefine Eye Cream had mixed reviews. Many people mentioned this did have some positive effects, but we didn’t see any comments that suggested people were seeing these dramatic results with use.

Here’s a look at some of the comments people left online:

“What’s great about this product is that it goes on smooth and doesn’t irritate skin and it’s not greasy. Really nice stuff!”

“I’m quite pleased with this product. Been using this for about two years and have seen some great results. I know it’s a little bit spendy, but I feel like its worth the cost.”

“I don’t think this product is better than anything else available on the market. I can’t really say much about it, I’m in my 50s and have some deep wrinkles. Maybe it’s better for younger people.”

“This is great. I have such sensitive skin and this has been a real godsend. It moisturizes, removes lines and doesn’t cause breakouts. Just fantastic.”

Reviews were all over the place, but it seems that people either loved the product or hated it. A lot of the negative comments were directed at Amazon sellers who may not be legitimate Rodan + Fields consultants.

Additionally, many of the reviewers mentioned those product was great for dealing with puffy or tired eyes. It’s likely it’s just not the antiaging product it claims to be.

Erase crow’s feet for good — the best eye serums, creams and other potent potions after the jump

Conclusion – Does Redefine Eye Cream Work?

Redefine Eye Cream seems like a decent product. The ingredient profile contains some potent ingredients, but we’re not sure we can fully endorse this product.

For one, the business model may be a deterrent for some potential customers. It doesn’t appear to be a scam, and the founders of Rodan + Fields do have a great deal of expertise in the skincare space. But, we can imagine dealing with high-pressure consultants may not appeal to someone who just wants to order an eye cream and be done with it.

Though purely anecdotal, there are several articles circulating about this company and their consultants—often customers are recruited to be consultants themselves or pressured into buying a whole line of skincare products for best results.

Second, this product isn’t cheap. The price listed on the website is $62, but that’s the wholesale price, so end consumers can expect to pay more.

The formula does not justify the high costs, either. While we’ve come across many peptide-heavy creams, there are several options far more affordable than this one.

Redefine Eye Cream might work for some people, but our takeaway is, there are likely better products out there—ones that can be purchased in a more straightforward manner.

Kremovage, no doubt, is our top pick for eye creams that take on the signs of aging. This product is rich in antioxidants, hydrates and plumps skin, while reducing the appearance of fine lines, wrinkles and puffy eyes.

Kremovage was formulated in a certified lab. From end to end, this product has been tested for quality, safety and satisfaction—ensuring consumers get the best antiaging product each time they place an order. Click this link to order Kremovage—and start looking younger ASAP.

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responsegroup110-blog · 7 years ago

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Detailed Notes on Response Marketing Group

Competitor Response To Marketing MixThe third-- and also most advanced-- form of connection is "utilize," whereby each element is used to the very best advantage on behalf of the total mix. The sales feedback curve assists answer this question (see Exhibit I). In its most basic kind, the contour reveals the partnership between sales, typically measured in units but sometimes in dollars, and an advertising input measured in either financial or physical terms.

Reaction Marketing Excellence

Once we have established the matrix, we could review each of our potential marketing actions, here, as an example, when it come to cost, high quality, and advertising and marketing taking into account possible competitor action. If we anticipate that there is a 70% opportunity that the rival will certainly fulfill our price cut however only a 20% possibility that it will fulfill a quality rise, we may reason that a top quality boost assists us to establish a much more distinct advertising and marketing approach than the rate cut, which is most likely to be imitated. We could additionally proceed our self-displined conjecture by asking just how we (Company A) must respond to the competition's (Company B's) probably reaction to every of our actions. If we reduced price, and also it is 70% most likely to fulfill our new cost, exactly what should we plan to do when it does meet our new cost? Sales action contours enable an online marketer to research the partnership in between a given level of expenditure of several advertising and marketing variables and the most likely level of sales. Extra effective, nonetheless, is the capacity to check out the modifications in sales connected to adjustments in expenditure degree. Exhibition I, for instance, implies that as advertising and marketing expenses raise, they have little influence originally, after that a good deal of impact, as well as, lastly, little impact again from added expenditures. In the very same way, the online marketer could recognize the dynamics of the connections and communications of 2 elements in a three-dimensional chart. The advertising and marketing program must fit the business's overall abilities. A price-oriented technique works well in a business that emphasizes efficient production and also distribution along with management austerity. An account-oriented marketing program is a lot more most likely to prosper in a customer-oriented culture that has receptive operating and logistics individuals compared to in a manufacturing-oriented society that stresses effectiveness to the hinderance of customer support. The huge plant tailored to long production runs is well matched to a method of a slim line of product with extreme rate alignment. And the company with a strong balance sheet as well as affordable of funding could far more conveniently offer generous credit terms than could an economically restricted competitor.

Response Marketing Group Lindon Ut

Gradually, these behaviorial or cultural features can transform. However the price of change is restricted. It typically takes quite a very long time for a business to create a strength in advertising if it has little understanding of the field. For instance, it is difficult for amateurs to determine as well as employ marketing specialists from other business. Such a method requires time and, frequently, a number of experimental cycles. In some cases the newbies employ the wrong people; even when they employ the appropriate people, the novices they select are typically so unusual to the culture of the firm that the "transplant" is "declined." One exec generally could not transform an entire society, particularly in a large company. Over time, solid leaders can change the culture, yet not with ease and also fantastic rate. Thus the behavior fit in between the program and the business should be carefully thought about.

Reaction Marketing Ltd

Company strategy is usually talked about as well as established in the context of competitors. It is related to a struggle for scarce sources. The objective of the "aggressor" company is to boost its position vis-à-vis "competitors." The competitors, i.e., "defenders," could be various other organizations, clients, representatives, or suppliers. The competitors is the adversary. Words such as "campaign," "strike," "fight," as well as "loss" are frequently used. There is an "I win, you lose"-- often called a "zero-sum game"-- attitude. This, certainly, is also the operating framework for individuals, families, groups, alliances, as well as countries when formulating army or political strategy. For this reason, business and advertising and marketing approach is often linked with political and armed forces strategy.

Reaction Marketing Orlando

The affordable action matrix is a flexible logical technique. One can add even more columns standing for several advertising tools, include more rows for postponed actions (for instance, will the competition cut price immediately, in a month, in a quarter?), as well as include rows for extra rivals. The self-control of the approach is exceptionally beneficial. Advertising and marketing approach is established by inner and external uncontrollable environmental forces. The inner environment (the atmosphere within the company) includes previous and also higher-level methods in addition to resources (such as products, processes, licenses, trademarks, trademark employees, and funding). An instance of an inner environmental influence on advertising and marketing method is when a previous tactical decision (such as the choice of an item market for a tactical service unit of a company) influences existing advertising decisions (such as market division as well as target market choice). Similarly, an organization's financial toughness (such as present cash flow) affects its formula of advertising and marketing methods (such as target audience selection, positioning choices, and also marketing mix choices). Market setting can also help to establish the most reasonable advertising program. The market share leader, for instance, gains when it encourages competition on a fixed-cost basis through components like national marketing, company-owned circulation, or heavy research and development. Its position allows it to spread the prices over a large quantity, lowering its cost per system offered far below that of smaller sized competitors. Marketing method could be created with the aid of such tools as advertising and marketing concepts, advertising designs, as well as computers. Contemporary approaches to advertising and marketing typically fall right into 2 general but not mutually exclusive categories: customer-oriented marketing approaches and also competitor-oriented marketing approaches. Since numerous marketing professionals think that making every effort to satisfy customers can profit both customers as well as businesses, they contend that advertising and marketing technique need to concentrate on customers.

Advertising and marketing Mix

A couple of examples will quickly make apparent the broad range of advertising and marketing approaches offered. A huge distinction exists in between the advertising and marketing techniques of firms that market toothpaste and also those that sell huge coal-fed boilers for electric generation. Such a distinction is, naturally, natural and to be anticipated. Toothpaste prices little, Response Marketing Group as well as firms could offer it in small quantities to many consumers for which it is greater than an unimportant yet less than a major purchase decision. Coal-fed central heating boilers cost 10s of numerous bucks as well as few people get them; producers sell them to business where lots of people labor over the choice of an unit for a lengthy time.

Feedback Marketing Lindon Utah

The affordable reaction matrix is beneficial in assisting to develop an unique strategy to the marketplace. It enables a rival to recognize more conveniently exactly how it could distinguish itself from the marketing programs of other competitors. Extra unusual are the variations amongst marketing professionals of the same item classifications. Cosmetics, as an example, are sold in various methods. Avon has a sales force of numerous hundred thousand that call directly on individual customers. Charles of the Ritz as well as Estee Lauder make use of selective circulation through department stores. Model as well as Del Laboratories emphasize chain drugstores and other mass merchandisers. Model does a great offer of marketing, while Del stresses personal marketing and promotions. Redken markets with beauty therapists. Revlon's approach inclusives a vast selection of brands and marketing approaches. Method precedes advertising and marketing and advertising and marketing strategy. The entire articulated collection of decisions (chosen methods) is called the advertising and marketing approach. If the marketing strategy is part of a marketing strategy, some or all of the strategy decisions might be formally mentioned. An instance of an internal environmental influence on advertising approach is when a direct response llc previous critical choice (such as the option of a product market for a calculated company device of an organization) impacts existing marketing decisions (such as market segmentation and also target market selection). Advertising strategy can be developed with the help of such devices as marketing principles, marketing designs, and computers. Contemporary approaches to marketing typically drop right into two general but not equally unique classifications: customer-oriented advertising methods as well as competitor-oriented advertising strategies. Method precedes marketing and advertising and marketing strategy. If the marketing technique is part of a marketing plan, some or all of the approach decisions can be formally stated.

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