By Patricia Winker

The Baby Boomer generation is a hotly sought after market and has been for some time now. Perhaps you’ve marketed a few items to this generation. Maybe you’ve had some success. However, if you are trying to market to Baby Boomers you need to narrow your age group. Why? Because the generally accepted time frame of this demographic is someone born between 1946 and 1964. That is one wide range of ages to target!

From data supplied by the US Census Bureau, we know that we have a huge population of aging Americans. When we take this group of people and put them all together in a single demographic, we are causing a marketing nightmare. How can you market to Boomers as if they are all the same age when the period in history that we refer to spans almost two decades?

Just to be clear; in 2010, people born during the baby boom years are ages 46 to 64. People in their 40’s are vastly different than people in their 60’s. They have different life experiences, histories, wants, and needs. This time spans an entire generation.

If you search the term “baby boomer” you will be marketing to a group of people who have been lumped together by an arbitrary measure of time. Can you afford to waste your time marketing to this one, vast group of people with the same product? A 40 year old will buy a different product than a 60 year old.

If I search a website that says they have products for baby boomers, and I find out that their products are luxury cruises for retired people with time on their hands and money to spend, I will be upset, or maybe even insulted, if I am 46 years old. I may have kids at home yet, am working two jobs just to save money for their college education, and am as far away from time or money for a luxury cruise than you can get!

If I click on a website that uses the general term “boomer” in their marketing vernacular, and the products they sell are anti-aging creams and serums, which age group are they targeting? In my 40’s I may have bought up every anti-aging cream on the market, but folks in their 60’s may be not as interested in anti-aging lotions and more interested in moisture and sun protection.

How can you target your products more specifically to the age group you intended them for? To begin with, you may want to drop the “baby boomer” references entirely. It’s perfectly fine to use that term as a general “remember when” reference, but when it comes to a direct sales approach, you’d better know your market better than that.

So, yes, use the term Baby Boomer Generation when you want to talk about something from your past… a little nostalgia is great. But, when your product will help someone in their 40’s, it may be wrongly marketed to someone in their 60’s.

If you are 46 years old and you receive a product endorsement for Medicare Supplement Insurance how would you feel? I guarantee the name of that product, and your name, would forever be thought of as untrustworthy and an unreliable source. Take a lesson from AARP – that letter comes almost exactly on your 50th birthday. They are not sending them out to a generic Baby Boomer demographic.

It’s often said that when you’re writing something for many people to read, “write for one person.” I must add, “sell to one person.” Know the one person you are marketing to, and not just some arbitrary demographic. Your product, and you, will be rewarded with the trust and esteem of your audience – and, hopefully, customers.

People in their 40’s, 50’s, and 60’s don’t want to be lumped together anymore than someone in their 20’s wants to be grouped with someone in their 40’s. You are marketing to a very different group of people, so treat us as individuals.

Take action now to change your marketing strategy. Drop the Baby Boomer Generation references from your marketing strategies. We are NOT one age group. This demographic is confusing at best and using this generic term won’t help you market to the so-called baby boomers. Once you focus your marketing on a specific group, rather than a confusing demographic, you’ll earn the respect of all of us Boomers… of every age!

About the Author: Patti Winker knows if you market to a specific age within the demographic called

Baby Boomers

, you’ll find the customer who respects you. We share a long history. Join me as we share memories, ideas, laughs, and even a tear or two at

RemarkableWrinklies.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=553885&ca=Marketing

Health has always been uncertain. We can try our best to keep fit, but after a certain age the expenses on health do increase. Its better to keep ourselves insured under a Medical Plan to make sure that our medical expenses are taken care of.If we talk about Individual Health Insurance Plans in US, they are designed to help an individual and their families access care and cover the medical cost of receiving medical services from any physician, hospital or other provider.There are different types of Medical Plans: Indemnity Health Maintenance Organization Preferred Provider Organization Point of Service Plan Exclusive Provider Organization Consumer-DrivenHealth Insurance Portability and Accountability Act (HIPAA) Privacy Protected Health Information.Under HIPAA Privacy, unauthorized individuals cannot ask or inquire about any clinical or personal health information when counseling participants about their Medical Plans.Indemnity Plans These plans are sometimes called Free-for-Service Plans, where: An individual pays the medical care provider directly for services Files claim to be reimbursed by the PlanAn Individual can seek care from any doctor or hospital and receive benefits.Hospital precertification is required for some services in order to receive the highest level of benefits.This plan: Pays reasonable and customary deductible coinsurance amounts, up to an out-of-pocket maximum Rely on Utilization Management to control costsHealth Maintenance Organization (HMO) An HMO provides prepaid benefits for most health care needs with no bills or claim forms. It provides services through a selected group of doctors, hospitals and other providers who are under contract to the HMO. To choose an HMO option, an individual must live or work in an area supported by the HMO network as defined by their home ZIP Codes. An individual choose a Primary Care Physician (PCP) from a list of physicians They pay copayment (instead of deductibles) each time they visit a provider Services rendered by the PCP or from a provider referred by PCP is reimbursed HMOs provide preventive care and rely on Utilization Management to control costsPreferred Provider Organization (PPO) A PPO is a network of contracted participating physicians and hospitals that agree to render their services at discounted rates.PPOs maintain networks of participating doctors and hospitals; however, individuals are not required to choose a PCP to coordinate their care. They have the choice of using in-network and out-of-network providers, using in-network providers offers higher benefits though.Point of Service Plan (POS) POS Plans have networks of participating doctors and hospitals that provide medical care at negotiable rate. Individuals living in a POS service area, according to their home ZIP Codes, are eligible to join the plan and must choose an in-network PCP or facility from the list of providers Using in-network providers offer the highest level of benefitsExclusive Provider Organization (EPO) EPO Plan resembles to HMO. Benefits are provided within a specific contracted network of physicians and hospitals with no out-of-network benefits available. Individual chooses a PCP from the list of physicians Individual are required to pay a predetermined copayment (instead of a deductible) each time they visit a provider. Services rendered by PCP or by a provider referred by the PCP will be reimbursed EPOs provide preventive care and rely on Utilization Management to control costs

How To Get The Right Auto Insurance For Your Business

by

Sukhdeep Singh

Car insurance is something that we associate with private citizens. In fact, it is almost unheard of for our places of work to secure car insurance for us. It is something that most of us have to do on our own. However, if you are in a business that involves driving from place to place, or transporting something, then car insurance becomes a business matter. If you re in this situation, have you ever wondered how to get the right auto insurance for your business? Do you know how to do it? We can help you with a few tips.

For small businesses especially, commercial car insurance is one of the main expenses that have to be considered. Many have a false notion that affordable commercial insurance can be hard to find; however, a keen talent for research has proven that business owners can often find competitive commercial insurance rates just by performing quick online comparisons. These days, a lot, if not all insurance companies offer coverage for company cars, so it is not unusual to find special deals for them.

Those running businesses and wanting commercial car insurance should start off by knowing the insurance requirements in the state where the business is located. Some states actually do not require auto coverage at all. However, even in cases like this, car insurance is still advised because getting into a car accident can be devastating, financially, to a business that may not have enough money. It may also not be enough to have a personal insurance plan to cover the business car driver. More often than not, in the event of an accident, the opposite party may sue not only the driver, but the business as well. Another thing to be aware of is insurance companies usually do not cover personal plans if they find out that the car was used for business purposes at the time of the accident. All these contribute to why commercial car insurance is a must!

Businesses that have several vehicles, generally more than two, should opt for a car fleet policy instead. Instead of dealing with individual insurance coverage for each car the company has, the business can get a general policy for all the cars, and save time, effort, and of course, money! In a car fleet policy, specific liability limits are applied to every vehicle, meaning changing the limit to one car means changing it for all. Also, if an employee of the company is registered with the same insurance provider as the fleet, then they can drive any vehicles in the fleet and still be covered!

Obtaining the correct car business insurance can really be a great thing for any business out there. It provides businesses with the right amount of security and protection. In case of an accident, or if a lawsuit does happen, then these businesses could save lots of money, as well as hassle. If you are running a business, look into car fleet insurance plans today.

Sam Briones is a freelance writer who covers topics ranging from finding the best

car insurance

to driving safety tips.

Sukhdeep Singh

safeauto.com

Article Source:

ArticleRich.com

By Terry Bolton

You can buy a luxury Chrysler 300 with all the extras. Nevertheless, you can buy more auto accessories parts to add your own personal touch to this classic vehicle. The Chrysler 300 might has an expensive and classy look, but unlike other top-of-the-line vehicles in the luxury class, this car is affordable to many people. Any extra cash can be used for quality auto parts or accessories.

Begin with custom car accessories such as the Sherwood Dash Thirty-Four Piece Dash Kit for your dashboard to add a wooden accent to your interior. If you want to spare no expense to upgrade your interior, you can go with the Laurence Gartel Signature Series Dash Art that cost $1300 US and up. Each of these dashes is something unique and comes with a signed certificate of authenticity.

Next, make sure you choose quality auto accessories parts for your Baby Bentley, such as the Mopar OEM AM/FM 6-CD changer/MP3 Player as well as DVD Navigation Radio. These multi-faceted radios come with color digital display which utilize GPS technology to guide you turn-by-turn to any location in the United States or Canada. The unit also comes equipped with the amazing Sirius Satellite Radio technology. It make sense to choose this feature if you have a subscription to Sirius and a proper antenna. This amazing system can set you back a cool $2,000 to $3,000.

What kind of car accessories parts do you need to get Sirius radio? You don’t have to look any further than Mopar’s OEM Chrysler 300 Sirius Satellite Radio kit. This kit comes with a permanent but neat-handed antennae and receiver that wire directly into your radio. The expense is a manageable $350 US plus $12.95/mth subscription to Sirius.

A good radio needs a high quality sound system. The Kicker Subwoofer Kit (about $500 US) has a strong booming base. Double that with Kicker Premium Front and Rear Speakers (around $280 US), and you will have the rivalry of all custom car accessories.

Purchase either an All Sales Flame Rearview Mirror ($90 US) or All Sales Polished Billet Oval Rear View Mirror ($80 US), in addition to DUB Custom Edition Floor Mats ($80 US for set) for a classy finishing touch.

The exterior of your Chrysler 300 should be treated with as much quality and classy auto accessories parts as the interior. Installing an E&G Classics “Phantom” Style Grille for $800 US would make your car look powerful and elegant with its stainless steel design. Be aware however, this classy item only fits the 2005 and 2006 models of the Chrysler 300.

What about A silver Xenon 6-piece Fascia Auto Body kit? This will make your car look sleek and sporty for less than 2 grands. If scratches and dings is a must to avoid, you can add on a Vertical “Lambo” door kit from JT Auto Style. This will prevent you from making dings and scratches when opening your doors in tight spots. Both these custom auto accessories need to be installed professionally and they also require a few minor body adjustments to fit properly. Be aware not all of the best deals are found at your local dealership. If you visit a few auto accessories parts stores and then look online for great deals before before you buy, you’re virtually guaranteed to get the best deal.

About the Author: Terry Bolton is and internet publisher of automotive stuff. Read his useful and popular articles at cheap-used-cars.w-eland.com/

Source: isnare.com

Permanent Link: isnare.com/?aid=191012&ca=Automotive