Basics of Standard Renters Insurance

Planning on getting renters insurance? If you are then there are certain details that you should take into consideration and understand before you actually opt for one. This is mainly because renters insurance does have certain terms and conditions that may not just suit anyone.Insurance is not about protecting the building that you’re staying in. The insurance that your landlord is holding on his building does not include your safety and also the possessions that you have in the property. Taking that into view, below are some of the basics of standard renters insurance.First of all most standard renters insurance is broken up into two types which is HO-4 which is for renters and also HO-6 which is for condo owners. The policies in these insurances do include natural disasters such as fires or lightning, snow and also volcanic eruption. But one thing you should take into account is that most of these renters insurances do not cover floods and earthquakes. Why you may ask? The reason being that if you’re located in a flood or earthquake prone area the insurance agency would have to fork out a high amount in damages to their customers. Being that, most insurance agencies do not have policies that cover those two natural disasters. If you’re living around these types of places try to find the most appropriate policy for yourself as being safe is better than being sorry later on.Besides that another aspect that you should take into account would be the type of payment your insurance policy is entitled to give you if there are any damages or theft. There are two types of payment schemes available which are actual cash value (ACV) and also replacement cost average. ACV refers to a coverage scheme that pays you only the current value of an item. For example, you had bought a speaker set for $200 2 years ago and it got damaged recently, your insurance will only pay you back the actual amount of the speaker set today and not the $200 you had spent 2 years ago. Replacement cost average will pay for the actual cost of the item that you have lost. This method works by claims that you’ll have to submit to your insurance agency.

Looking At Coastal Businesses for Sale?

Coastal businesses for sale in New Zealand provide the prospective buyer a wealth of opportunities to continue the successful operation, or development of, a viable business operation that not only offers financial growth and security, but also a lifestyle change that can only be experienced in coastal environments. Consisting of three islands, New Zealand is blessed with a near endless supply of unspoilt and scenic coastal areas, ranging from secluded bays, sandy beaches, scenic harbours and inlets, and rugged coastlines. The popularity of such regions is proven by the population bases that are located in such regions. Being in high demand by both international and domestic tourists, many coastal businesses are based in the tourism and hospitality industries; sectors of the economy that are vital for the long term growth of gross domestic product in New Zealand and one of the mainstays of the New Zealand economy.According to statistics released by Tourism New Zealand, tourism is the country’s largest export earner and the number one contributor to the economy, surpassing the revenue generated by the farming and agricultural industries and contributing over $8 billion dollars each year. Furthermore, the data highlighted that this trend of growth is set to continue with average increases in profit of 4.3% experienced by the industry. Furthermore, international visitors are predicted to rise at a steady rate of four percent each year, with the income derived from international tourism forecasted to overtake that of domestic tourism in 2011.The Rugby World Cup in 2011 promises to provide a boost to the economy through tourism earnings. With New Zealand on showcase to the rest of the world and numbers of 85,000 extra tourists predicted to be in New Zealand for the largest sporting event of the year, there has never been a better time to secure a coastal tourism operation or business for sale in New Zealand. According to the Chamber of Commerce, the Rugby World Cup 2011 offers significant economic benefit, especially to those businesses within the tourism and hospitality industries. Furthermore, the event will highlight New Zealand and confirm it as one of the most desired international tourist destinations.The value of this will be represented with the spin-off effects of creating more desire and demand for tourism, and as a result, the profit generating ability of those businesses who are best able to take opportunity of these increased numbers and popularity. Coastal businesses for sale in New Zealand are steadily increasing in their demand as many astute business persons are realising the revenue opportunities of coastal, tourism and hospitality businesses. Not only do they provide a future income, but they do this in an area that is under high demand by international and domestic tourists. Secure your own piece of paradise and consider viewing coastal businesses for sale today.

VO Marketing Tips – Part 1, The Basics

For the past few years, I have had the distinct honor and pleasure of taking part in an exciting and wonderful career as a Voice Talent. Because I have such a passion for voice acting, it naturally drives me to want to succeed and see my business flourish. Most people, when I tell them what I do for a living, simply shake their heads in amazement and exclaim how cool it must be to get paid “just for using my voice”. I smile, shake my head vehemently, and agree. But, as all of us in the industry know, the fun part of using your voice is probably only 20% of the job! The rest is comprised of everything else that is required to operate and maintain a successful business. A large part of that is knowing how to market yourself to generate new business, as well as having an effective plan to nurture and sustain existing business relationships.

Along my journey, I have experienced many trials and tribulations, and have been truly blessed to have learned a few lessons along the way. I certainly do not claim to be a marketing expert to any degree, but I’d love to share some marketing tips that were effective for my business. I hope that they can, in some way, help you too, and allow you to truly flourish in this great industry!

Some basic tips that I have found to be really helpful in expanding my business include:

Get Your Demo Professionally Produced and Keep it Fresh!

This is your most important marketing tool and vital to your success as a voice over artist. If you are serious at all about your VO business, this should be your number one goal. As you grow as an artist and as a business, it will be necessary to keep your demos current and even add more to your current portfolio. Go to a professional studio and make it a priority to invest in your demo – it is your calling card!

Write a Great Bio

A foundation to marketing yourself – Even if you are just starting out in the business, you will need to provide people with information about who you are and your relevant experience. For many of us, this can be an immensely difficult task! Once your bio is developed, however, it can be used many times over – as part of your business introduction for new clients, a cover letter for auditions, Bid Response letters, as well as a section on your website.

Talk about what you do

All the time – to everyone! You never know who may be in need of your services. Even if they may not be in need of your services right now, they just might be later on down the road, or they may know someone who is. Don’t be shy! People always seem to be fascinated with the concept of voice overs as a business – and it’s a great ice breaker and conversation piece at parties!

Figure out your “Brand” and Develop a Strategy

This is a vital step in creating and establishing your identity as a voice over artist. Exactly “who” are you and what is your specialty? Your brand identity will be repeatedly communicated, in multiple ways with frequency and consistency throughout the life span of your business. Famous for his innovative branding,Doug Turkell, the “Unnoucer” has flourished by creating and marketing his unique brand of voice overs. Just do it already! Butdothink carefully about this one – changing your brand once established can be a bit difficult, though not impossible!

Take classes and workshops in your profession

It will allow you to network with your peers and even better, establish a relationship with an industry “expert”, who can provide you with even more valuable business leads. Taking classes will not only add educational/ training credits to your resume, but will also allow you to establish and assess your “competition”, and strengthen your vision for possible “niche” markets which may not be covered by your peer group.

Make yourself Accountable

Write down your business goals and establish a system of accountability for your business. This will help you develop a clear picture of how you can better market yourself. Spend an allotted time each day working on new contacts – this includes cold calling! Make it a goal to meet someone new in the business everyday!

It’s all about Customer Service!

Go above and beyond for your clients. Give more than they expect – and you will find that they will come back again and again. When I book a job, I usually give at least two finished takes for the client to choose from, even if they are not requested. Since I usually record more than two takes for each spot anyway, it doesn’t add a lot of time to the job on my end, and my clients really appreciate it!

Take care of your existing customers!

The word “Marketing” is often thought to describe advertising activities specific to gaining new business, but keep in mind that enriching and nurturing the relationship of your existing customers can be critical to your business survival. Contact them periodically and let them know you are available for them and keep them abreast of any new projects. Many times during a new business “low”, my repeat clients have come through with flying colors and kept my business booming!

Get Testimonials and Publish them!

When you complete a job, especially when you know the client loved your work, always ask for a testimonial, as well as a copy of the finished product for your demo reel. You can simplify this process by creating a generic “Thank You” template or form email that includes your request so you don’t forget. You’d surprised at how many clients are more than willing to do this for you if you just ask! Let your clients do the marketing for you!

I hope you have found these tips to be helpful and I welcome all comments! Upcoming articles in this series will discuss marketing options for building and marketing your VO business online.