Hiring a Social Media Manager: 21 Questions to Ask

The Social Media Manager is becoming the go-to person for businesses who require assistance with their online marketing efforts. It’s no secret the impact social marketing can have on a business and the advantages its brings. And it’s also no secret that most business owners cannot handle their social marketing all on their own.

A Social Media Manager does a whole lot more than just posting status updates on profiles. Social media management encompasses figuring out the who, the what, the when and why. Who does your business want to reach? What is needed to reach them? Where are they most active? Why should we use social media as part of our marketing efforts? Many businesses are finding that outsourcing or hiring someone to manage their campaigns is becoming an important part of using social media for marketing. An outside individual can usually see the bigger picture more clearly.

Social media management is a position that has attracted a huge amount of attention and membership in recent years. I see the main reasons for its popularity as:


The Ultimate Guide to Becoming a Great Social Media Manager

A great social media manager is, as Ron Burgundy would say: “The balls“.

It’s an undisputed fact that every business needs to be active in social media. The ever-changing demands of the modern day consumer requires brands to think fast and adapt quickly in order to stay one step ahead.

The role of a social media manager has appealed to the mass generation of socially-active internet users. It’s hard not to. Especially when some might think that you can earn big bucks from posting Facebook updates. Hardly.

Being a social media manager is kind of like being a stand-up comedian. You have to quickly understand your audience and your engagement with them is vital. In order to accomplish this, you need to know if the audience is laughing at your jokes and you need to know this in real-time. If you can do this, then you have already won the crowd.

So, how do you become a social manager? More to the point, how do you become a great social manager?

The answer will be surprising to some. Firstly, you have to want it. Second, you have to love it. Third, you have to learn it. And even if you tick all these boxes, you should ask yourself: “Am I a social person?” If the answer is no, then becoming a social media manager is probably not for you…


BlackBerry 8820 – A Phone With Expensive Looks But Affordable Cost

As far as the ‘innovative media’ is concerned, it has actually taken many years for the decisive masses to understand how these innovations would effect their lifestyle. Nowadays, the advancement in technology has supported people to communicate one-to-one very easily. All the myths became a hard reality with the advent of wireless communication.

Now when brands are concerned Nokia is the most preferred in the market. This brand has actually created a strong position in the market with its durability and mobility feature. Moreover, whenever any model is launched by this brand people assume it would come enhanced with certain high-end features. As such, every model from this brand succeeds to astir the mobile community at ease. The latest Nokia 6500 Classic is yet another stylish handset from this domain.

The Nokia 6500 Classic handset has been enhanced with 2 mega pixel camera to facilitate your photography passion. with this camera phone you can capture and store far, close, still and moving images very easily. However, this camera phone has been adorned with extra camera features such as flash. This additional features would support you to capture and store clear and bright images without any hassle. Moreover, with this camera phone you can record video clips too.

Its scintillating 2 inches TFT screen has the capability to display images with a resolution of 240 x 320 pixels. Moreover, to enhance the visual clarity the images would be supported with 16 million colours. This mobile phone is enhanced with various feature-rich options, still it weighs just 94 gms and comes with dimensions 109.8 x 45 x 9.5 mm. The 1 GB memory of this hand


Tips for Planning Your Business Startup

Beginning a business can be an overwhelming experience if an appropriate arrangement isn’t set up. Most business people fire up their organizations without setting up sufficient designs to succeed. No big surprise one out of each five organizations disintegrates inside 5 years! In the event that one thing ought to be paid attention to very, it ought to be your field-tested strategy. This is your “diagram for progress.”

Each business starts from an idea. An idea or thought can possibly become reality when expected moves are made. At the point when a thought is considered, the legitimate end product is that such thoughts should be worked out, clearly and on paper; or, in all likelihood the thought will blur off when the eagerness that the idea at first brought dies down. Thus, having a composed strategy is appropriate if your business is to stand the trial of time.

Presently, what is a Business Plan?

One definition, as per, is that a marketable strategy is a “composed portrayal of things to come of your business; a report that shows what you mean to do and how you expect to do it.” If you notice a section on the rear of an envelope depicting your business technique, you have just begun a composed arrangement, or if nothing else the main draft of an arrangement. The actual strategy comprises of an account and a few monetary worksheets.

The actual demonstration of preparation causes you to thoroughly consider things in a deliberate and intensive manner. Study and examination your market specialty in the event that you don’t know of current realities, and take a gander at your thoughts basically. It might require some investment presently, yet assists with turning away expensive and shocking errors in future.

In this article, I need to give a concise glance at the means associated with arranging a business:

  1. Distinguish Your Passion: Knowing what you love doing, even without bringing in cash, is the venturing stone in beginning any business. A great many people go into a business they know nothing about, and stop after just couple of months. Some become weary of their organizations basically on the grounds that they are not content with the exercises associated with maintaining the business any longer. As indicated by Sabrina Parsons, (CEO of Palo Alto Software) “Know yourself, and work in a work that obliges your qualities. This information will make you more joyful.”

The motivation behind why numerous organizations fizzle in their initial five years is on the grounds that the business visionaries don’t discover satisfaction in maintaining their business any longer. Subsequently, they will in general proceed onward in quest for satisfaction.

You should search inside by assessing yourself and distinguish what you are acceptable with. In the event that what you are acceptable at gives you bliss, consider how you can adapt it and make it a business. You do this by offering your enthusiasm to other people. Notwithstanding, energy alone isn’t sufficient in beginning a business. You need to design, set objectives or more all, know yourself.

  1. Direct Intense Market Research: As expressed above, enthusiasm alone isn’t sufficient in deciding the sort of business attempt you ought to engage in. You should be certain if there are individuals who are truly keen on paying for what you have to bring to the table. Aside from that, you need to personality the class of individuals who can manage the cost of the costs of your items or administrations, and in what amount.

You additionally need to decide how to draw in your forthcoming clients. How would you mean to arrive at your focused on clients? How would you expect to disperse your items to your focused on clients? How would you know the genuine value that potential clients are happy to pay for your items? These and numerous different things are what you should know prior to putting your cash in beginning any business.

  1. Compose a Business Plan: A field-tested strategy is a composed archive that portrays your business thought. Your strategy will provide you a feeling of guidance towards accomplishing your business objectives and destinations. It depicts what you need to do, when to do it, where to do it, and how to do it. A composed strategy can likewise be utilized as a guide maintaining your fruitful business.

Recording your arrangements encourages you to foresee the eventual fate of your business. Envisioning your business causes you to recognize and perhaps keep away from any test that may perplex your business later on.

  1. Register Your Business: After you have recorded your field-tested strategy, you should enlist your business with the goal that customers will take you genuine. Aside from that, enrolling your business causes your business to have a day to day existence of its own. It isolates you from your business. Any genuine disapproved of business visionary should have his business enrolled.

The most widely recognized sort of business is that of a Sole Proprietor. You maintain your business yourself and keep exact books (for charge purposes). You deduct your costs and pay charges on the additions. This is the least difficult sort of business to open. It is additionally the most powerless against having your resources removed by a furious client who might record a claim against you for reasons unknown. This is one of numerous reasons that entrepreneurs choose one of different kinds of business set ups.

A Partnership is a kind of business where at least two individuals go into a business course of action. Two companions, and so forth choose to start a business. In the event that you choose to go into an organization, you need an archive that subtleties how the business will be partitioned if the association is separated. It might sound rough to design this prior to opening the entryways, yet it will save a great deal of sorrow and costs eventually. Moreover, on the off chance that you never break down the association – the report is rarely required. This is one of those “it is smarter to have it if it’s required instead of need it and not have it” minutes.

Partnerships: There are a few sorts of approaches to join. I’m not going to engage with a definite conversation here. My suggestion is on the off chance that you are anticipating fusing your business – employ a lawyer with ability here. There as a few kinds of organizations and your lawyer can assess the realities encompassing your business and guide you to the most fitting sort of company for you to utilize.

  1. Get The Necessary Capital: This is the most troublesome part of beginning a business. Getting the funding to back a business is the main consideration that deters most business people from pushing forward with their arrangements.

There is no uncertainty that most organizations start through self-financing. The purpose behind this is clear – Nobody has faith in your fantasy until there is an actual sign. As a potential money manager, you should figure out how to save forcefully to meet the monetary necessities of working your business while dealing with your family simultaneously. You can likewise choose advances from companions, family or corporate bodies (banks, saving and credits, and so forth)

An overall principle of business expresses that, notwithstanding your beginning up costs you ought to likewise have at any rate six to a year of your family’s spending plan in the bank. To fund your organization, you should coordinate the organization’s requirements to the fitting financing choice. You should look for the help of a decent bookkeeper here. The bookkeeper will have the option to prompt you what is best in your circumstance and furthermore offer help with charge arranging.

  1. Facing Challenges: Once the monetary part of beginning a business is settled, what hazards you should take ought to be the following line of activity. You should continue testing various things to have the option to discover what functions admirably for you and your strategy. By precisely posting the worthy dangers you are happy to take before hand (in your field-tested strategy) and in what circumstances these dangers would be taken, will give you significant direction when impediments happen (and they will happen).


Drug Addiction – Understanding the Nature of Addiction to Understand Cross Addiction

Early addiction recovery is a fragile thing. One of the most frequent contributing factors in relapse is something we call “cross-addiction”. Essentially what cross-addiction means, is that if you are alcoholic or addicted to other mood altering drugs, you a potentially addicted to all mood altering drugs.  

To truly understand cross-addiction, you must appreciate the character of addiction and the nature of mood/mind altering drugs.  

Addiction is a disease. It is frequently described as a primary, chronic, progressive, and relapsing disease.  Research in the last decade tells us that addiction is a brain disease. 

People are often reluctant to acknowledge addiction as a disease because of voluntary first use of the chemical.  Although someone chooses to use alcohol or other drugs initially, the changes that occur in the brain over time do not reflect a deliberate choice.  Addiction changes the neuropathways of the mind.  These changes are suspected of creating the thinking and feeling distortions that lead to the compulsion to consume drugs despite the obvious negative consequences. Thus, the nature of addiction is that of compulsive drug use despite negative consequences.  This “compulsive use despite negative consequences” observation has become an part of an accepted definition of addiction. 

Addiction induced brain changes are common to all drug addictions and some process addictions (e.g. compulsive behavioral addictions such as gambling addiction, compulsive overeating, sexual addiction). Addiction also involves a bio psychosocial combination of factors in the genesis, maintenance, and recovery.  It has been said in the addictions field for a long time that certain people are “hardwired” for addiction, due to biology (i.e., genetics), and become addicted with first use of any mood altering drug.  

The nature of mood/mind altering drugs is that they drug your feelings, thoughts, and behavior. They distort your reality or they allow you to escape or ignore reality. Any mood/mind altering drug can be cross addictive.  It is the mood altering effects of drugs that people are addicted to.  You choose a particular drug for its unique pharmaceutic effects, based on your own individual needs.  As your needs change, your drug of choice may change.  The effects of the drug on your body can change over time as well.   

Other variables are often involved in an addict’s choice of drug.  Consciously or unconsciously, other factors, like availability, “social acceptability”, perceived lack of negative consequences, and cost may be part of the selection process. 

Mood altering drugs operating in the altered brain neuropathways are self reinforcing in a number of ways. They meet specific individual needs (relaxation, feelings numbing, reducing behavioral inhibitions, etc.), which is self-reinforcing.  The altered neuropathways help maintain the compulsion. The specific drug(s) selected meets individual needs over time so that living skills to meet those same needs do not develop.  A common example is where a drug is chosen for its anxiety reduction properties because the addicted individual has few if any anxiety reduction skills.  When stress and anxiety levels exceed some threshold, relief will be sought.  Without skills to reduce the anxiety, a pharmaceutical solution will be sought, regardless of whether the drug is last drug of choice or a substitute.  This is one reason why it is so crucial to identify the roles that the chemicals have played in a recovering person’s life, and to develop the living skills with which to replace those roles.  

When a person in recovery acknowledges the problems caused by the drug of choice and believes that s/he can safely use a different drug of choice, they are not taking into account the fact the “new drug”. like the “old drug” will still operate in the brain in the same way(s).  When an addict substitutes one drug for another they are not abstinent.  His/her brain is still in an active state of addiction.  Thus, someone who is addicted to one mood altering drug is addicted to all mood altering drugs.  

An addicted brain is qualitatively changed.  Changing drugs of choice does not return an addict to a non-addicted state.  An addicted person will continue to experience the same negative consequences of drug use.  You cannot regain persistent control over drug use by changing drugs.

Many people, in the process of trying to regain control over their life, chase an “illusion of control”, believing that the latest attempt at control (switching drugs) has, and will have a lasting effect and that control is once again re-established. It has not. It is only a matter of time, usually a short amount of time.

To successfully prevent relapse, you must be able to understand the nature of addiction and cross-addiction. One of the most frequent causes of relapse is cross-addiction. Click here to purchase my eBook, Understanding Cross Addiction to Prevent Relapse

My website has a number of other valuable resources for recovering addicts/alcoholics and their families. There is a “Link” page that could serve as an effective starting place for research on most addiction and mental health topics. A “Recommended Readings” page can help point you in the right direction for many topics. I make myself available to answer educational kinds of questions in my “Ask Peggy” column. There are a number of articles roughly categorized currently as “Marriage Articles”, “Sexual Addiction”, “Addiction and Mental Health”, “Family Dynamics of Addiction”.

Whether you are dealing with addiction issues, emotional or mental health issues, relationship issues, or need some additional living skills, my website is available to you. My site is a work in progress with additional features, articles, and resources being added to it on a regular basis.

Dr. Peggy L. Ferguson, Ph.D., LADC, LMFT, Marriage/Family Therapist and Alcohol/Drug Counselor.


Depression Medication Side Effects

Many depression medication side effects can be very unpleasant. They can affect each individual differently as well as different medications can have different side effects. For some individuals depression medication side effects subside after a couple of weeks as their bodies adjust to the medication. Because the effects can be so severe, some individuals stop taking the medications.

Medications for depression can usually take a couple of weeks or more to work, which is a major factor in individual not sticking with the medication they have been prescribed. If they are feeling side effects this can increase the problem of individuals stopping their medication before there is a chance of finding it may have worked. Aside from depression medication side effects causing individuals to stop taking their medication, trying to find a medication that works can be a lengthy trial and error period. When a medication prescribed for an individual does not work after a couple of weeks they will need try another medication until one is found to work. Individuals can loose faith that a medication that works can be found and cause them to give up trying new medications.

There are Four different types of medication used for depression, each having slightly different effects on the brain.

Tricyclic Antidepressants (TCAs)

Discovered in the 1950’s and started being used for depression later in that decade. This medication has been proven to help with depression but can have side effects that are more severe than the newer types of medications. This type of medication is used usually as a last resort or when newer types of medications do not work. This depression medication side effects include: dry nose, dry mouth, constipation, changes in appetite and weight, blurry vision, dizziness, memory impairment, restlessness, increased body temperature, drowsiness, weakness, anxiety, confusion, hypersensitivity, sweating, sexual dysfunction, muscle twitches, nausea, hypotension, tachycardia, Overdoses can cause: irregular heart rhythms, twitching, hallucinations, delirium and coma.

Monoamine Oxidase Inhibitors (MAOIs)

This type of medication is also an older type that has some of the worse depression medication side effects that can prove to have a lethal dietary and drug interactions. Mostly prescribed for the treatment of atypical depression it is usually used as a last resort when all other medications have failed. The FDA has approved a patch form of the medication that has reduced the dangers of dietary dangers because it does not enter the gastrointestinal system. This depression medication side effects include: dry mouth, insomnia, increased heart rate, drowsiness, blurred vision, appetite changes, muscle twitching and feelings of restlessness and loss of sexual desire or ability. Also it may interact with certain foods.

Atypical Antidepressants

This type of medication is a newer type of medication that targets other neurotransmitters than serotonin. Some of the medications may target serotonin as well as other neurotransmitters or without the serotonin. The chemicals they affect are mainly norepinephrine and dopamine. This depression medication side effects include:nausea, fatigue, weight gain, sleepiness, nervousness, dry mouth, and blurred vision. The side effects are less severe than the older type medications.

Selective Serotonin Reuptake Inhibitors (SSRI’s)

This is also a newer type of medication that has gained a lot of popularity and has proven to work quite well. This medication works by affecting serotonin in the brain. This medication side effects include: sexual problems, drowsiness, sleep difficulties, and nausea. In adults over 65 it can cause and increase in falls and bone fractures.

All medications can cause thoughts of suicide in young adults and should not be prescribed for use in children and caution in young adults. Withdrawals also can occur with all depression medications and medication should never be abruptly stopped doses need to be gradually reduced over time.


Insurance For Beginners

Welcome to the global business guide. In this context, we will be taking about the insurance industry, the general definition of insurance, adequate and precise explanation of the definition, brief talk about the history, the insurer, the insured, classes of insurance, the role of the underwriter in the industry and how you as an individual can benefit maximally when you get yourself, your car, your house, even that your business insure. We do hope you will enjoy reading this article and the essence of your quest for the topic above will be met.

Insurance is a financial institution classified as a non bank financial institution. They are important financial inter-mi diaries. It is believed to have originated from the ancient practices of inhabitants of the valleys of rivers Tigris and Euphrates in the present day Iraqi in about 4.000BC. History has it that in 1800BC, the Babylonians code of Hammurabi contained provisions which had elements of insurance in the laws that govern their commerce. But today what we have in the industry, both locally and internationally had moved from just an agreement between two persons into a very big industry across the globe.

Going by definition, we learn that insurance means a situation whereby someone protects his or herself against risk and reduce effects of uncertainties as well as distribute loss. Other explanation to this owe it to the situation whereby a certain amount of money when collected from someone by an insurance company agrees to pay a compensation or render services to that person if and whenever that person suffers the kind of loss specified in the insurance agreement; and from the explanation, this is where an insurance company comes into play since they are the people that will go into agreement with the person taking any insurance policy against any of his belongings. This industry has widely been believed as a means whereby people reduce the risk of unforeseen circumstances. As financial intermediaries, they act as middlemen between the surplus units and deficit units of the economy thereby sustaining the general growth of the economy.

One may ask, how do insurance companies generate the money used in compensating their policy holder when affected by any mishap? The answer to this question, will lead us into talking about the various means via which the insurance companies make their money and how their policy holders are compensated. The truth is that, the money they collect from their policy holder (i.e one that has an agreement with the insurance company) is invested in the form of premiums (an extra sum of money paid in addition to the normal cost of something. by BBC. Eng. dict) and that money is invested in Bonds, in stocks, mortgages (i.e house) and government securities (in our subsequent article, we will explain more of this: Bonds, stocks, mortgages and govt. securities). They generate income for themselves and those who are in their service. They invest their policy holder’s money in better business that has short term maximum returns on investment and from there meet their numerous needs when needed in claims and losses. These funds themselves are invested, that not only do they earn interest to be added to the funds, but they also benefit the government, public authorities, and industries whose securities the investment are spread, because of the investment policy of the insurer (we will explain later), their reserve funds are not left idle butt are used productively.

Another way via which the insurance companies compensate those who are in their service is that the contribution of many is used to compensate the few among them who were affected by the misfortune insured against. So the loss of few people is share by many.

We hope that to this extend, you must have understood the above explanation about insurance company. Now the next thing we will be considering is the functions of the insurance companies.

Amongst other functions, the main function of the insurance company is risk bearing, the financial losses of individuals are judiciously distributed among many people, for example, in the case of fire, the policy holder in fire insurance pays a premium into a common pool, out of which those who suffer loss are compensated.


1. The insurance industry encourages thrift (i.e money conservation) especially via it’s life policies which provide funds for family, welfare and old age provisions. It provides employment opportunity for those that have the interest of working with the industry.

The insurance companies works hand in hand with commerce. It owes it’s existence to commerce (i.e business in general both industrial etc) and commerce in return owes it’s strong stability to insurance, this is because it helped in various ways to enhance the general trend in business.

Before we proceed further to other functions, let’s explain this two terms: the insurer; the insured as it will aid us in our understanding.

The insured: This is the party affecting the insurance in other words, the individual or individuals which is taking the insurance policy. This can be done either directly or indirectly or via an agent or broker.

The insurer: This is the party providing the protection to cover by the policy. The insurer covers every other terms which includes the underwriter who is a senior official of an insurance company whose business lies in undertaking new business for the company.

The insurance company has a contract which promises to pay compensation at a future date for a consideration known as premium (i.e. the money paid by the insured to the insurer for the insurance cover provided in the policy). Like the way we have it in other contracts, i.e having it that contracts is based on the principles of offer and acceptance, consideration and capacity to contract. These contract, especially in insurance involves two parties i.e. the insurer and the insured.


Insurer, by reason of their principal function accumulate large funds which they hold as custodians and out of which claims and losses are met. Like in some countries, their insurers operate in many parts of the world and earn vast sums in overseas market in terms of underwriting profit and investment income. This tells us that insurance forms a considerable part of that country’s invisible exports.

As we continue in our functions, let’s see the role of the insured and the insurer.


In insurance, when the proposer becomes insured the party effecting an insurance is known as the proposer throughout the negotiations, and until the contract is in full force. The insurer plays a vital role in making this aforementioned contract to come into force, knowing that in insurance contract, just like we said before is base on the principle of offer and acceptance, consideration and capacity to contract, the contracts are always evidenced in writing which is made up of various forms to be filled and signed. If the insured does not accept the insurance offer and giving meticulous consideration to that, there can hardly be capacity to contract i.e the insurance contract can never be. So, from this, we now learn that this two parties (i.e the insurer and the insured) must be involved before an insurance contract can becomes a policy.


Here we are considering the roles of the insurer as a subsidiary functions of insurance; this is because in general sense (they have a very wide range of function), the insurer is the one providing the necessary insurance services, benefits to the insured, should any mishap, depending on the insurance policy undertaken. The insurer helps also in loss-prevention in the following ways:

We know that the extend to which loss prevention is seen, is mostly on property. An individual or a population can suffer great loss materially, if it were not for the intervention of loss prevention scheme by insurance companies to their policy holders.

The insurer also assists in boasting business venture: Many large -scale enterprise today can make their business in good faith, having transferred all their risk to the insurance company, in other words. The insurance companies help to maintain and to stabilize the atmosphere of the present day large-scale business and organizations.

Many questions had risen by on onlookers, as on how the policy holder can be compesated, should there be any mishap on the policy covered. It is better for us to note that the insurance company, when a loss is incurred to the policy holder can make for his or her loss, but that can only compensate him and make him return to his normal financial position before the occurrence of the incidence and not to profit him from the misfortune. This is generally because, no amount of financial compensation can pay adequately for the life and health of persons, so life and personal accidents are regarded as benefit policies. So let there be no misconception on this fact when mishap occurs, where the public is looking for the victim to be given everything lost, and having a meager compensation given to him or her. So let’s not distrust insurance companies in this area, knowing that it’s only the restoration to the exact position before the loss that is provided.

Now, as we have gone so far in understanding the functions of the insurance companies, the roles of the insured and the insurer, we will be proceeding forward to look at the various ways via which one can benefit from being insured in all spheres of life. For those who against all odds, accept insurance policy adequately, benefits, awaits them in areas like

1. pecuniary insurance

2. personal insurance

3. property insurance

4. liability insurance

We will take our time to give you enough explanation in all the sub-sections of these areas that will be of help to you.

1. PECUNIARY INSURANCE: This has to do with money or relating to something of such nature. This insurance policy benefits mostly company owners, directors, managers e.t.c This insurance policy provides cover to the employer against the loss of money unintentionally, or in a situation where an employee defrauds his or her employer on certain amount of money placed under his or her custody or in things relating to other occurrence/loss. Other policies under pecuniary insurance are; fidelity guarantee (known also as surety ship), legal expenses, credit insurance and business interruption insurance. All of these have their various function which in one way or the other relates to pecuniary. Like earlier stated, pecuniary insurance provides cover for C.E.O., M.D’S etc in case of loss of money either by intent or accident placed under the care of their employee or any officer of higher responsibility. These type of insurance cover, which their employee has will help to compensate them (i.e the employer’s) and also ease the employee the fear and tension which the mishap might generate for him or her. It is therefore advisable you consider this policy very well as an MD, C.E.O. etc, especially with the assistance of your insurance broker so as to adequately know, and be directed properly on how to go about it.


This involves all classes of life assurance and also accident policies. There are other types of person insurance, and the purpose of each is to meet the different need of individuals in their aim to provide for the future either for themselves or for their dependents. Other sub-divisions of personal insurance are:

i. Life assurance

ii. Personal accident and sickness insurance,

iii. Permanent health insurance,

iv. Social security

These sub-divisions has various similarities which come out at the end to meet the same aim, like in life assurance, personal accident and sickness insurance, this policy ensures that the policy holder when befallen by any misfortune, which resulted into permanent disability or death will still be able to fend for his or herself and also for his or her dependants in the case of death.


Property insurance policy involves insurance cover for property should any risk of damage or loss by fire, accident, burglary or other risks that may occur. Under this, there are other sub-divisions which include:

i. Motor Insurance

ii. Marine Insurance

iii. Fire Insurance

iv. Burglary Insurance

v. Special peril Insurance

vi. All risk Insurance

In all these sub-divisions of property insurance, respective insurance cover is given to them all should there be any damage or loss relating to the type of policy the holder has.


This provides cover for the insured against his legal liability to others. This can arise via negligence of the insured in failing to act in a reasonable manner. Such manners like crossing the road without properly looking on both side of the road which might result in accident. This may also arise via the insured’s unlawful disturbance of another person in the enjoyment of his or property (i.e constituting a nuisance to them) or via the insured’s trespass which is an unlawful act committed with force or violent on another person’s property. Liability insurance is also sub-divided into employer’s liability to his employee and public liability by the insured. The two sub-divisions of liability insurance owe their explanation to their respective liabilities, and since liability generally arises from lawsuits, liability policy covers only claims which the insured becomes legally obligated to.

We should also bear in mind that no insurance policy can prevent theft, fire, or other misfortune or the creation of legal liability, but can provide financial assistance in such situations. It does not also protect for example, the material property which is the subject matter of the insurance, but the financial interest of the insurer. This mean that the insurer can only get a financial compensation when any mishap happens to any thing insured against and not having the property restored back in case of fire or collapse (for building).


7 Killer Tips to Use a Domain Name Finder Service to Purchase Aged Domains

So you are in the market to find a domain name so you can make your first million (or two) on the internet.

Before you rush out and register that new domain I am going to suggest that you consider purchasing an existing aged domain.

An aged/expired domain is a domain that has previously been registered by someone else, and that person or company has, for whatever reason decided not to renew it.

Sometimes the reason is simply that they forget. There was a famous story a few years ago when a very valuable domain owned by Bill Gate’s Microsoft was forgotten about when it came time to renew the registration, meaning it became available for absolutely anyone to grab.

This guy did just that with this domain, but luckily for Microsoft this guy did the right thing and gave it back to them (I think Microsoft paid him a small sum to cover the registration).

Other reasons for not renewing a domain might be that the individual that owned the domain left the internet game, or they maybe transferred the business that used to operate on that domain to another person. In fact there are a multitude of reasons why domain names do not get renewed.

So what are the advantages for you re-registering an expired domain?

  • Links – Most domains, particularly those domains that have been actively used in the past and not just left idle have other sites linking to them over time, and these links form a vital part in determining how well the site will rank in Google and other search engines for particular keyword phrases.
  • Page Rank – As a consequence of these links, many of these expired domains will have existing page rank.
  • Age – As a general rule the search engines give more ranking power to domains that have been continuously registered for a a longer period than other domains.
  • Web site Visitors – Many domains will have established traffic, with visitors arriving to that domain on a regular basis, often as a result of previous campaigns completed by the previous web site owner.
  • No Sandbox – New domains are once in a while placed in a “sandbox” where they will not rank as well as older domains until they have proven themselves to the search engines.

These are really the most attractive factors to consider when re-registering an expired domain versus registering a shiny new domain.

There is an important distinction I recommend you become familiar with between an expired or aged domain and a deleted domain.

An aged or expired domain name has the age preserved. For example if I registered a domain three years ago and then did not renew the registration and you come along and re-register it, then effectively the domain is still 3 years old and gets all the advantages of that age in the search engines.

If however, you re-register a deleted domain, then for all intensive purposes you have registered a BRAND NEW domain. You will still be be able to use any links, page rank, and traffic, but your domain may be subjected to the sandbox, and WILL be treated as a brand new domain by the search engines.

So the key is to make sure you get the domain before it is deleted by the domain registar. There are a number of websites with free search capability available that you can use to locate aged domains or expired domains.

Just do a search in Google for terms such as aged domain finder or something similar.

These websites will often even allow you to search for domains and return information about the age of the domain, existing page rank, number of links, traffic, and even allow you to use the wayback machine (a catalogue of all web pages at various points in time) to see what content was on the domain in the past.

Some of the more complete services will offer the functionality to search with keywords as well which is a very powerful feature.

You see domains rank better in the search engines if they contain a keyword relating to the particular niche you are looking to get involved in.

For example if you are selling products for cats, then if you have the word cat or cats in the domain name this will help you get better rankings than domains that do not have this (if everything else is equal).

Essential tips to purchasing aged domains

  1. Try and get a domain at least 5 years old (the older the better, this is a minimum).
  2. Aim for a decent number of links as possible (although this is not essential).
  3. A domain with existing page rank is not essential but a bonus if you can find it.
  4. Existing web traffic again is not necessary but is a huge bonus.
  5. Make sure the domain has a keyword relating to the niche you are going to use the domain in.
  6. Check the history of the domain to make sure you are happy with the previous content that has been used on the domain previously. Bad content may have blacklisted the domain in the search engines. Many services allow you to search for this automatically.
  7. Optional: Use a service that allows you to search closeouts. These are really cheap domains usually costing only $5 (plus standard registration fees). Why buy premium domains if you do not need them? You do not need to spend a heap of cash to find domains that have most of the items discussed above. In fact only recently I purchased a 10 year old domain, with a heap of existing traffic and lots of backlinks for just $5 !


Upgrade WordPress – Should You Click the Button?

Many people with a WordPress website wonder what to do when they see the notice in the WordPress admin prompting them to upgrade to the latest version.

Upgrading WordPress yourself can be as simple as clicking a button, but things can go wrong. Many people take it for granted that all WordPress websites should use the latest version. There is some risk involved, so it’s worth considering why it’s worth bothering – and what you can do to minimise the risks.

The latest major release of WordPress was version 3.3, released in December 2011. As well as the new features for WordPress developers, there are loads of improvements to benefit the average blogger or website owner:

  • My favourite new feature is the hover menus in the WordPress admin navigation, which give you single click access to any screen. It sounds simple, but it’s a big improvement that rather than having to click – for example – pages, THEN wait for the page to load, THEN clicking ‘Add New’, NOW you can hover over pages and immediately click ‘Add New’ in the flyout menu. As a WordPress designer, this has already saved me a huge amount of time and it will help you too.
  • It’s easier than ever before to upload images and other media via the single upload button in the WordPress toolbar. The drag and drop media uploader allows you to drag and drop files directly from your computer into the WordPress admin, rather than having to browse to the file’s location.
  • Whenever you add a new feature, a pointer tip appears providing useful information on how to use the feature.
  • Touch support has been improved for those using iPads or other tablets to manage their WordPress website.
  • Version control has been improved for larger companies with multiple users editing the same pages and posts – the improved co-editing support locks posts who are being edited by someone else.
  • And more.

Website security is constantly evolving. Hackers are constantly working to discover and exploit loopholes, and the WordPress developers are continuously working to close them. The latest version will usually have a number of important security fixes to protect your website. The responsible thing to do is to update to the latest version and protect your WordPress website.

Upgrading WordPress should be as easy as clicking a button, but things aren’t always that simple. Things can sometimes go wrong – for example, the new version might not be compatible with your website theme or some of the plugins. The worst case scenario is that upgrading WordPress could actually break your website.

Problems are most likely to occur if:

  • Your website is particularly complex or has a lot of plugins installed
  • You haven’t updated for a whole and are running a particularly old version of WordPress, your website theme or any of the plugins

If any of this applies to your website then it might be worth getting a professional WordPress designer to upgrade WordPress for you. This is less likely to be necessary for simpler sites.

Upgrading WordPress will affect all files and folders included in the main installation, including all the core files that run WordPress and the plugins that come pre-packaged with it. If you have made any customizations to these files then your changes will be lost.

It’s not best practice to modify the core WordPress installation anyway, so if you have done this then I suggest that you find an alternative way to achieve what you’re trying to do. If you don’t know how then any good WordPress designer can help you with this.

Follow the instructions in the WordPress Codex to upgrade WordPress with minimal risk. This includes instructions on backing up your WordPress website before upgrading, so you have something to roll back to if anything goes wrong.

I would add a further precaution to make things extra-safe. As well as backing up your site, create a separate test site – this is basically a duplicate of your live site that you can test any changes on (i.e. upgrading WordPress) before applying the same changes to the live site. Although backing up is a good backup option (excuse the pun), restoring your WordPress site to a backed up version is a hassle so it’s best not to let things go wrong in the first place. Upgrading WordPress on a test site first is the way to do this – as with any other major changes you make to your site at any point.

I’d also recommend checking that each of your plugins is compatible with the new version. You can do this by finding the plugin in the WordPress Plugin Directory and checking the compatibility box in the right hand column.

Another tip is to wait a week or so until after a new version is released before applying the upgrade to your website. This gives the WordPress plugin developers and theme designers a chance to test their work with the new version and to release a new version if needed, which you can upgrade to at the same time. Don’t leave it too long, though, as running on an old version of WordPress is too much of a security risk.

If you update WordPress and the worst does happen then there are some things you can do:

  • If you backed up your site then you can roll back to the previous version. If you didn’t, don’t panic! Your WordPress web host is likely to have made regular backups of your site. Although there may be a charge for this service, they should be able to roll the site back to a previous version from before you made the upgrade. This will get your website working again, but you will still need to work out how to upgrade to the latest version without breaking it again.
  • You can try to identify the problem yourself by deactivating all the plugins and reactivating them one by one. If the problem re-occurs after activating a particular plugin then try deleting it and replacing it with something else.
  • If you can’t get to the bottom of the problem then you could ask a WordPress designer to get everything working properly again.

You may ask whether it’s worth the hassle, and I would say yes. Any upgrade carries a risk, but this is more than outweighed by the benefits.

Most WordPress designers offer a WordPress upgrade service and can do it for you, including full testing to make sure everything still works properly – this may be worth considering for complex sites with lots of plugins or custom features.


Why Choose Hong Kong For Your Business?

Many of the world’s economies are still experiencing a slowdown. Hong Kong though stands out as a place that has its trade and finance going steady.

The place where business is easy!

Let’s consider the facts. There is only 3.3% seasonal unemployment in the place as of August 2013, according to statistics released by the Census and Statistics Department. In fact, the number of employed people has been on a steady rise all the time. This is why many entrepreneurs look forward to starting their business there. If statistics are to be believed, the months between June to August this year witnessed another spurt of growth. Now, the total number of employed people is 3,751,200 in Hong Kong! That’s not all. For the last few years, there has only been an increase in employment each and every quarter. That’s a testimony to good economic conditions prevailing there.

Why is it a great place for starting your business?

Company formation in Hong Kong is a lot easier today and you shouldn’t be surprised. Business is good there even now. For instance, according to the latest statistics by the Census and Statistics Department (C&SD) released on September 17, the total volume of re-exports of goods has increased by a whopping 9.2% in July 2013. In totality, the volume of total exports of goods has increased by around 8.8 % – quite a healthy figure in these times. With company registration being easy in Hong Kong, most companies want to start off their venture there on a strong foot.

It’s simple. Businesses need demand and there is plenty in this place. There is good demand and people display a good amount of spending power. The domestic exports has too increased by 3.0% for instance, when comparing the first seven months of 2013 with the first seven months of 2012.

If you are thinking about the business prospects this place has for you, here are some other factors to consider. Hong Kong has one of the lowest times for approval of your business and you can get your business registered within days! Further, you do not have to worry about the tax system – one of the major worries of any entrepreneur. You have to pay tax at a fixed rate of 16.5% with no other taxes like business tax and value added tax. When you are investing and starting a business there, you might just be making one wise decision!