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Condon and Forsyth

Law firm with experience in insurance and reinsurance disputes.
www.condonlaw.com

CATEX - The Catastrophe Risk Exchange

An Internet-based electronic trading system for the insurance and reinsurance industry and risk managers worldwide.
www.catex.com

Ruschlikon - Centre for global dialogue

Swiss Re's centre for global dialogue on managing capital and risk. Applied research, business solutions and corporate development.
www.ruschlikon.net

Riskvertical

Risk and insurance marketplace to buy, sell and transact reinsurance and commercial property and casualty insurance including alternative risk transfer business and related services.
www.riskvertical.com/

Baden-Baden Meeting Directory

This site is for all the insurance professionals across the world who attend the Baden-Baden meeting.
www.badendirectory.com

Devonshire Group

Devonshire Group provides full-range (re)insurance management and third party administration services (specializing in run-off solutions) for U.S. and international clients.
www.devonshiregroup.com

ReSys - Reinsurance Run-Off System

ReSys is a modern run-off administration system to offer complete support to all areas in a new or existing reinsurance run-off operation.
www.falx.com

Insurance Resources and Auditing Services

Provider of A&H Audits, special risk audits, back office administration, licensing and insurance and reinsurance services.
www.irasinc.com

The Importance of Market Research


By Justin Kander

Marketing is a versatile, competitive world, and when developing your marketing plan, odds are you will not get it right the first time. You need time to learn about the demographics, geography, and psycho graphics of your customers before your marketing can really be effective. That is why it is important to not stick with your first plan, as you will need to change it frequently for one reason or another.

A good phrase to live by in marketing is, "Learn from your mistakes." Sometimes testing happens naturally. Some of your marketing campaigns will fail, but instead of getting discouraged, analyze what went wrong. Maybe you advertised through the wrong medium, or to the wrong demographic. Collect all the mistakes you have made and really look at them; do not try to forget or ignore them, you have to face your mistakes if you want to be successful.

If you hate making mistakes and want to get it right the first time, there is a way, and that is market research. However, full on market research is incredibly expensive and small businesses cannot afford it, but light end market research is possible. Basically, you just have to look at the demographic of your competitors and make that your demographic. It's not that easy, though. Demographics may vary between businesses of the same nature, and that is where testing comes in. You need to test if that demographic works for you, and if it does not, you need to test another demographic.

You should not spend a lot of money on market tests. The purpose, after all, is to find the medium and demographic through which you should advertise or market. For example, if you have a website, you might want to try out banner advertising. Don't spend a lot of money at first, only spend a little and see the ROI. If the conversion is good, you know you will want to keep advertising through that medium. Executing so many marketing tests is time-consuming and costly, but it all pays off when you finally develop an effective, recyclable marketing campaign.

Justin Kander works with http://www.getprocash.com to give people tons of ways to make money online.

A7

Pay Per Clicks


By Chad Sandifer

There are many advertising options out there for small and large businesses alike. A new phenomenon that has recently hit the scene is the use of sponsored link searches for advertising needs. Are sponsored links really the best way to allocate valuable advertising dollars?

A re occurring complaint I hear from many of my customers is that sponsored links are not developing the return on investment they desire. There are several key reasons to why this may be occurring. Sponsored links, or pay per click advertising, are links on the right hand side of most search engines. These links, historically, are only used by approximately 30% of the online search market. By using only sponsored links in your online marketing campaign, you have essentially cut out 70% of the market that may be searching for your business. Further, did you know that there is a constant bidding war on the sponsored side of the page? Business are having to spend valuable working time managing their sponsored link page to make sure the are staying on the first page, while not breaking the bank. Because most consumers don't search past the first page of search engines, it is a constant war to "out bid" your competitors and stay in those valuable spots. But what is to keep your competitors from clicking your links and costing you tons of money and headaches? Thankfully, Google (among others) have allowed you to set certain limits on the amount of money you wish to spend monthly on sponsored link searches. While pay per click ads may get you some form of business, I do not believe they are the end all in online marketing. It is important to recognize several key factors when thinking about investing in pay per clicks.

1) How can I minimize "fraudulent" clicks by my competitors

2) Are their other online options, for around the same cost, which can give me a better return on investment? and

3) Am I willing to cut our 70% of the search market by spending money on sponsored links?

For some businesses, pay per clicks work. I am not advocating that they don't. The law of "big numbers" may come into play here where if you do something long enough, the average return will be worth the investment. I have found other advertising mediums that allow my customers a better, more stable, return on their investment. Diversity is the key to the marketing game and in order to advertise to all corners of a market, it is necessary to weigh your options and decide if you have the time, and money, to play the "big numbers" game.

Chad Sandifer
http://www.tenlist.com

R7

The PSP Guide - How To Download Music and Video's to Your PSP


By Neil Gerstein

Congratulations on buying that new PSP. You bought some great games with your new PSP and to play them, all you need do is slip a cartridge in the slot and your good to go. Sweet, isn't life great. Hey, how about playing some of your favorite songs or watching one of your music videos on your new favorite toy. Oh! Oh! The store didn't have a cartridge for that! Now what? Don't panic, just follow the step-by-step instructions below and life will be sweet again.

To download music to your PSP you will need to follow these steps.

Definitions

CD Ripper Software - Software that extracts (rips) music/mp3 files from your CD and puts them in another file on your computer's hard drive.

PSP Video Converter - Converts your personal computers (PC) video/movie format files into Sony's PSP video/movie format so that you can view them on your PSP.

USB Cable - Cable used to connect peripheral equipment such as camera's, external hard drives and PSP's to your computer's USB port.

1) Put your music CD (the one with the songs you want converted) into your PC's CD drive. Start-up your CD Ripper software or PSP Video Converter.

2) Choose the songs you want to extract to your PSP and select "Extract & Encode". This will convert the selected songs PSP format and transfer them to a file on your PC's hard drive.

3) Using the USB Cable, connect your PSP to your computer.

4) Turn on your PSP and select "USB Connection" on your PSP. Your computer will automatically detect the new USB device connected to it and designate a new drive letter, usually E:, but not always. You can check in "My Computer" to be sure.

5) Create a new Folder (name it Music or Videos) under the E: drive or whatever letter your PSP was designated. This new folder will actually be your PSP.

6) It's time to start downloading your music and/or video files from your computer to your PSP.

7) That's all there is to it. After you have downloaded all of your favorite video's and music, disconnect the USB cable and you're good to go.

http://www.moviesmusicgamesandmore.com/games.html

I live in Largo, Florida where I work for the states largest Power Company. I currently have two websites, one being http://www.moviesmusicgamesandmore.com/ and I also have a Squidoo lens: http://www.squidoo.com/game-download-sites-review I also enjoy writing articles on different subjects.

A10

How to Get Number 1 Rankings on Google, Yahoo and MSN Using Video Hosting Sites


By Jeff Mills

Proper tagging elements include coming up with a TITLE for the Video, a DESCRIPTION, and TAGS or KEYWORDS. Let me say a little about each area.

The TITLE tag is the #1 most important tag. It's the one the search engines will display in the search results. If someone searches for "free home based business dvd" in a search engine, and you are offering a free home based business dvd, you want your website to come up, as well as your video. So tag your Title well, with up to 3 phrase or keywords you are hoping to be found by. As a marketer, you can find out what are the most popular keywords by simply looking at Google's Trends website. Search for Google trends and they tell you what is hot right now in search.

The DESCRIPTION tag is the #2 most important tag. I always recommend, if you are plugging a website or are marketing something, put the URL as the first thing people see in the description slot, follow by a logical telling of what the video is about, being mindful of good keywords and phrasing. Make sure the URL begins with http:// in the front, as some movie hosting sites will turn it into an active an hyperlink, while sometimes they won't. I dunno why they work sometimes, and then not work others.

The TAGS are simply the keywords and phrases to plug your video with. Don't be stingy with your tagging. Get em all in there so you might be found, but try to be a relevant to the video and do not tag spam!

Finally - Make sure all your login and pw info is stored correctly in Tubemogul so that your videos will post correctly to the video hosting sites, and then push the button that makes this machine come alive and within hours, you'll see your videos posted in their appropriate places in your accounts. I love using tools which can easily automated task one used to have to do by themselves.

Do a quick Google search, using the title of your video and see how fast Google has indexed that video. When I did this last time, within 24 hours, I had the top 3 listings for the keywords I wanted to be found and listed with.

So, making a video or using audio and pictures to make a video is really simple. Once you have your video made, upload it to Tubemogul, tag it and post it and within hours your videos will be all over the search engines bringing you free leads and traffic daily.

Jeff Mills is a former Youth Pastor of 9 years, and now a self made millionaire, a full time internet information entrepreneur, seminar promoter, book author, speaker, sales coach, and also an avid traveler. Learn more about Jeff at http://www.whoisjeffmills.com

R10
Google
 

Business Portal News

Ideal conference badge
I don’t even know how many conferences I’ve been to in the last decade, but it’s probably 30-40. In that time, maybe 2-3 conferences have really nailed the conference badge for attendees. Here’s what the ideal conference badge should look like, in my opinion: I’ll walk you through the important features of this badge: - Each attendee’s [...]

Webspam in 2009?
It’s the beginning of the year, so I just wanted to get some outside opinions: what would you like to see Google’s webspam team tackle in 2009? Here’s how I asked for suggestions in 2006: Based on your experiences, close your eyes and think about what area(s) you wish Google would work on. You probably want [...]

Start the Year with an Empty Inbox!
Here’s a nice Gmail tip that will make you feel like a million bucks: empty out your crufty email inbox. There’s nothing like an empty inbox to motivate you and give you a fresh start for the year. “But Matt,” you say, “my inbox is my to-do list!” I know, me too. So here’s how to [...]

Chrome Provides Dedicated Privacy Options
I was browsing the web when I ran across a statement about Google Chrome that I’ve seen echoed in different ways in the last couple months: “the reality is that Google Chrome is sending basic info about my pc back to them. Is Google the new “Big Brother” looking over everybodies [sic] shoulder…you betch ya.” I’ve [...]

Last Toolbar PageRank update of 2008
In case you didn’t see where I confirmed it on Twitter, Google recently did a toolbar PageRank update. It’s pretty much done now. If you want more info, I’ve answered questions about PageRank and the Google Toolbar in the past. I predict that this will be the last toolbar PageRank update of 2008.

Yahoo Search Engine News

Fed's Rosengren says recession more severe than thought (Reuters)
Reuters - The U.S. recession looks to be longer and more severe than originally thought, but there are signs that the economy will improve in the second half of 2009, a top Federal Reserve official said on Thursday.

Chevron sees big drops in Q4 production and earnings (Reuters)

A Chevron Corporation gasoline tank truck delivers gas to a Chevron service station in Redondo Beach, California August 10, 2005. (Fred Prouser/Reuters)Reuters - Chevron Corp expects its fourth-quarter earnings to be significantly lower than the previous quarter due to the impact of lower energy prices on its exploration and production business.



Citi backs measure to help avoid foreclosures (Reuters)

People taking the Long Island Foreclosure Tour arrive at a foreclosed home for sale in New Hyde Park, New York in this May 17, 2008 file photo. Citigroup could soon agree to principles that would let troubled borrowers save their homes through bankruptcy, sources familiar with the talks said on Thursday, while industry groups are easing their opposition to the plan. (Shannon Stapleton/Reuters)Reuters - Financial giant Citigroup Inc will support a proposal in Congress to rewrite U.S. bankruptcy law to help troubled mortgage borrowers avoid foreclosure, Chief Executive Vikram Pandit said on Thursday.



Consumer credit posts record drop in November (Reuters)

A shopper uses her credit card to pay for a purchase at a K-Mart store in Burbank, California November 28, 2008. (Fred Prouser/Reuters)Reuters - Consumer borrowing dropped by a record $7.94 billion in November, a Federal Reserve report showed on Thursday, the latest evidence that households were unwilling or unable to take on more credit.



Palm's new phone and operating system ignite shares (Reuters)

The Palm website is seen on the Palm Pre smartphone at the annual Consumer Electronics Show (CES) in Las Vegas, Nevada January 8, 2009. Palm Inc took the wraps off its overhauled mobile operating system and introduced the Pre touch-screen phone, hoping the move can help it win back customers from rivals like Nokia and Apple. Shares of Palm jumped more than 15 percent to $3.80 on the news. (Rick Wilking/Reuters)Reuters - Palm Inc overhauled its mobile operating system and introduced a new touch-screen phone, sending its shares soaring 35 percent as investors hoped the moves can help win back customers from rivals such as Apple Inc .



NY Times Business

$173 Million in Madoff Checks Reportedly Found
Arguing that Bernard L. Madoff’s bail should be revoked, prosecutors cited more evidence that he was hiding assets.


Marc Rich Among Those Facing Madoff Losses
A trader who fled to escape prosecution for his own financial crimes may find it difficult to sue for redress.


Fixed Mortgages at Lowest Rate in Decades
Rates on 30-year fixed loans fell for the 10th consecutive week to the lowest levels in decades, but it is not clear if it is enough to lure homebuyers back into the ailing house market.


Holiday Sales Were Dismal, Data Shows
The nation’s retail chains confirmed that they suffered one of the worst holiday seasons in decades.


TV Decoder: Obama Asks for Delay in Digital TV Switch
Echoing concerns from consumers groups, the recommendation was the most significant sign to date of concern about the digital TV transition.


Google News

Aon Benfield predicts steady reinsurance prices - Business Insurance

Aon Benfield predicts steady reinsurance prices
Business Insurance, IL - 3 hours ago
LONDON—Global reinsurance prices are expected to remain firm for Jan. 1 renewals and stay that way through the April and July renewals, according to a ...
Aon Benfield Reinsurance Market Outlook: April Through July ... PR Newswire (press release)
Reinsurance prices expected to remain firm through July: Aon Benfield Canadian Underwriter
California earthquake would accelerate US mortgage meltdown SmartBrief
all 14 news articles

Workers' comp reinsurance rates renewing 'as-is' or remaining ... - Workers Comp Forum

Workers' comp reinsurance rates renewing 'as-is' or remaining ...
Workers Comp Forum, PA - 1 hour ago
January renewal rates for workers' compensation reinsurance are expected to remain stable, according to two brokerage reports. ...
Catastrophe Losses Make 2008 One of Costliest Years On Record ... PR-Inside.com (Pressemitteilung)
all 2 news articles

Willis Names Fyfe Managing Director - Latin American Reinsurance - Insurance Journal

Willis Names Fyfe Managing Director - Latin American Reinsurance
Insurance Journal, CA - 13 hours ago
"In his new role, Fyfe will oversee all of the company's reinsurance offices in Latin America, continuing to work closely with Willis Global Markets ...

AIG Woes, Investment Losses Push Reinsurance Prices Higher - CNNMoney.com

AIG Woes, Investment Losses Push Reinsurance Prices Higher
CNNMoney.com - Jan 6, 2009
A lot of reinsurance contracts are renewed on Jan. 1 each year. This renewal season saw prices increase roughly 5% on average, according to Cliff Gallant ...
AIG General China Cleared to Operate Reinsurance Businesses With ... TMCnet
Property-Casualty Sector Takes Some Lumps Barron's
Insurers survive a tough year but 2009 set to be testing too Royal Gazette
Insurance Journal
all 37 news articles

Market Report -- In Play (IPCR) - MSN Money

Market Report -- In Play (IPCR)
MSN Money - Jan 7, 2009
The increases primarily arose from inwards retrocessional business (including reinsurance of direct and facultative business) and, to a lesser degree, ...

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