Monday, November 24, 2008

Understanding Auto Insurance

Understanding Auto Insurance

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.


Cheap Teen Auto Insurance

One of the most common desires of teenagers is acquiring his or her own car. And when they truly deserve it, they do get one. Of course, before you can allow your son or daughter to drive on their own, they must first meet the required age to secure a license. In most cases, being able to secure a license means one thing for teenagers - freedom!

Once you've got your teens their cars, the next thing that you must think about is car insurance. One of the first and most important considerations is the price of the insurance premium. Most insurers charge higher premiums for auto insurance for teenagers. This is because these companies see most teen drivers as being more reckless and accident-prone than adults.

Fortunately, there are ways in which you can lessen the charges for your teenager's car insurance. These factors might help you get a better deal in the future.

1. A spotless driving record. It is essential that you emphasize the importance of observing traffic laws and of having a clean driving record to your teenager. This means that they should avoid speeding tickets and other such traffic violations at all costs. And, while accidents do happen, being more aware can minimize the incidence of one happening. A clean driving record will be awarded with lower premium payments.

2. Look for auto insurance with a greater deductible. The premium payment is usually less for auto insurance that covers a higher deductible.

3. A car endowed with more safety features. It would be more beneficial to get your child a car that has a lot of advanced safety features. Avoid vehicles that fall under the higher hazard ranking class.

4. Follow license restrictions. Teenage drivers need to stick to the restrictions and guidelines that their licenses specify.

5. Get a stand-alone policy. With this kind of policy, your child will be responsible for his own insurance. As a new driver, he will only be allowed daylight driving, a certificate from a driving school, and the like.

As a parent, the most appropriate thing for you to do is to inculcate the value of responsibility in them. Make them accountable for whatever happens to their car. They can even work part-time so that they can pay for one-half of their premium.

Understanding Auto Insurance

Dealing with the little details of insurance is always an issue with so many people. Most do not even understand the working of auto insurance. I would share some tips that would help you to understand auto insurance.

1. One of the most important tips that would help you get a discount is to check with your auto insurance agent before buying a car. The value of the car, the cost of maintenance and the likelihood of theft all affects the rates you have to pay. Get to know the policies of your insurance provider before you make a final decision on the car/vehicle to buy.

2. Most insurance companies would give you discounts if you take out more than one insurance policy from them. You can check to find out whether it would be better for you to take out all your insurance policies from one company or if the discount you get from different companies on different policies would make more sense.

3. The deductible is the lowest minimum you have to pay before your insurance policy starts to run. The higher deductible you pay the more discounts you get. What is the highest deductible you can pay? It is always better to pay a higher deductible than lower.

4. Safety devices in your vehicle also qualify you for discounts. But you have to ask for them, most agents may not tell you about it unless you ask for it. Devices like airbags, anti-theft, anti-lock brakes and daytime running lights.

5. Shop around for the best deal! Do not just rely on one quote or one referral. Check out different insurance companies. There are many of them competing for business. So take advantage and save several hundreds of dollars.


Understanding Auto Insurance

Many times, people ignore buying insurance coverage while purchasing a car, considering auto insurance as an aspect that would increase the financial burden. However, buying car insurance is vital as it considerably reduces financial burden incurred due to an accident or property damage.

Most people have a faint idea about their insurance requirements. According to the law, car insurance should cover certain minimal requirements in order to be considered as valid. The primary coverages included in car insurance are liability coverage, personal injury protection, medical expenses, death benefits, property damage liability, uninsured/underinsured motorist coverage, comprehensive coverage and collision coverage. Each state has different requirements pertaining to these coverages. Understanding these coverages could significantly reduce the insurance costs.

Liability insurance coverage is mandatory under most of the State jurisdictions. Liability insurance provides coverage against injury caused to the person driving the car. It also provides coverage to people injured and to the property damaged during the accident. The minimum required amount for liability coverage differs from state to state. However, liability coverage is not a compulsion is States such as New Hampshire, Tennessee, South Carolina and Wisconsin.

Certain States require insurance policies that provide personal injury protection and also cover all the medical expenses incurred at the time of treatment. Also available are certain policies that provide financial coverage against any lost wages, if the person insured is injured in any accident. It is always wise to select a policy that includes death benefit option, so that in case of the unforeseen death of the insured person during an accident, the policy provides financial security to the family.

Collision coverage covers any vehicle damage that has occurred due to a collision. Comprehensive coverage covers issues such as theft, fire, and damages due to falling objects, missiles, explosions, earthquakes, flood and riots.

6 Different Types of Auto Insurance

Automobile insurance is the most popular and most bought insurance in the USA. The country has much more auto than people and a lot of States make it law that people need to have car insurance. With so many people demanding insurance it will always be best to be informed about the various aspects of motor vehicle insurance. This article will focus on the six different types of car insurance.

Bodily Injury Liability is an insurance policy that covers drivers of another car. If the policy holder is in an accident and another driver is hurt then the medical costs will be covered by bodily injury liability This mainly benefits policy holder as he does not have to worry about being sued.

The Medical Payments or Personal Injury Protection (PIP) insurance coverage is close to the bodily Injury liability mentioned above. The difference between the tow is the fact that the policy holder and associated passengers are covered in the case of an accident. This means they are entitled to have their medical bills, loss of wages and even death is covered.

Under Property Damage Liability car insurance policy, the insurance company will cover the cost of repairs to the other party’s car in the event of an accident. With this coverage the other individual’s damages will be paid for by the insurance company, while the policy holder would have to pay for his own damage from his own pocket.

The Collision insurance policy is one of the most common and cheapest auto insurance policies available. With collision the insurance company will pay for the damage or repairs if another driver crashes into you. This usually requires drivers to have a deductible and once the deductible is paid, the insurance company will pay for the rest.

Comprehensive coverage is another popular policy for motor vehicle owners. With comprehensive coverage the car is covered from a wide array of things. The car will be protected from fire, theft acts of God and collision with other vehicles. Policyholders need to pay a monthly deductible. Once this is paid in the event of an accident, the insurance company will cover the rest.

in the event that someone with no insurance crashes into you, then Uninsured and Underinsured Motorist Coverage will cover the costs of the damage sustained by the driver. If it happens to be a case where it was a hit and run, then the policy holder will be protected.

Understanding auto insurance makes it easier if you plan on purchasing in the future. You have looked at Bodily Injury Liability, Medical Payments or Personal Injury Protection (PIP), Property Damage Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Coverage. In analyzing each policy we get to see what each one has to offer. In doing so it allows the potential purchaser of insurance to have the best information available for making the choice on their auto .

Guide to Finding the Best Auto Insurance

Auto insurance policy is the primary need of all automobile owners and/or drivers. In some countries it is compulsory buy auto insurance just after a trial ride.

Finding the best auto insurance involves finding someone who will offer you good price as well as treat you fairly when you need them most “at the time of filing a claim.” Usually, it is easier to collect data and auto insurance quote but the toughest part is to find a counterpart who will treat you fairly when you will be in the need of help – after accident. Best auto insurance policy should be insurer friendly and cheap.

To find best auto insurance policy make a search in local markets, compare the provided quotes and ask them questions as much as you can. Provide them with full and detailed information about you and your vehicle and make them feel that your automobile is accessorized with anti-theft device and car alarm. If the company is fully satisfied they will surely offer you the best auto insurance policy with cheap quotes.

Internet would be helpful for you in both these regards. Information below will help you buying best auto insurance policy:

First of all look at the declaration part of the policy, which includes information about drivers in your house, model number of vehicle, vehicle identification number and policy number. Policy limits, deductibles and coverages purchased will be mentioned there. Thus read this portion and decide yourself, to accept or refuse.

Coverage portion of auto insurance policy comprises coverage limits such as medical, comprehensive and collision. This section mainly outlines what the insurance company will provide in case of accident. Auto insurance policy with strong coverage is the best auto insurance policy.

Conditions - This section includes all about legal bindings. Points included here are steps to filing claim, premium payment obligations and instructions to solve disputes. If you find this section of auto insurance is in your favor, then the policy is insurer friendly and also the best auto insurance for you.

Classic Auto Insurance

Do you have an antique or classic car that you want to have an auto insurance policy for? Collectors of antique cars often want to insure their vehicles in case anything was to happen to it, but many people don't know where to look. Before you start shopping around for classic car insurance, there are a few things you need to know about it.

1. Know what your Car is Worth

When shopping for insurance for your car, you will need to know the current value of it. Your car may appreciate slightly in value each year, as it gets older, and you will want to be insured for the right amount. It may mean a higher premium, but you will still want to know that the entire value of your car is insured in case anything should happen to it.

2. Know What You Need in an Insurance Policy

You will want to know ahead of time what kind of coverage you need on your insurance policy. Do you want coverage for fire and theft? Maybe you just want liability coverage in case you are in an accident. It is a good idea to plan ahead and know what kind of coverage you want before you start looking around.

3. Know How much you Drive

Many specialty insurance policies such as the one you are looking for have monthly or yearly mileage restrictions. Make sure you know the mileage restrictions included on your policy and be aware of how much you are driving.

3. Do Some Research on the Top Companies

Know which companies specialize in providing insurance for antique cars. Here are some of the top insurance providers for classic cars:

Grundy
Hagerty
American Collectors
Classic Collectors
Leland-West


Understanding Auto Insurance

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.


Cheap Teen Auto Insurance

One of the most common desires of teenagers is acquiring his or her own car. And when they truly deserve it, they do get one. Of course, before you can allow your son or daughter to drive on their own, they must first meet the required age to secure a license. In most cases, being able to secure a license means one thing for teenagers - freedom!

Once you've got your teens their cars, the next thing that you must think about is car insurance. One of the first and most important considerations is the price of the insurance premium. Most insurers charge higher premiums for auto insurance for teenagers. This is because these companies see most teen drivers as being more reckless and accident-prone than adults.

Fortunately, there are ways in which you can lessen the charges for your teenager's car insurance. These factors might help you get a better deal in the future.

1. A spotless driving record. It is essential that you emphasize the importance of observing traffic laws and of having a clean driving record to your teenager. This means that they should avoid speeding tickets and other such traffic violations at all costs. And, while accidents do happen, being more aware can minimize the incidence of one happening. A clean driving record will be awarded with lower premium payments.

2. Look for auto insurance with a greater deductible. The premium payment is usually less for auto insurance that covers a higher deductible.

3. A car endowed with more safety features. It would be more beneficial to get your child a car that has a lot of advanced safety features. Avoid vehicles that fall under the higher hazard ranking class.

4. Follow license restrictions. Teenage drivers need to stick to the restrictions and guidelines that their licenses specify.

5. Get a stand-alone policy. With this kind of policy, your child will be responsible for his own insurance. As a new driver, he will only be allowed daylight driving, a certificate from a driving school, and the like.

As a parent, the most appropriate thing for you to do is to inculcate the value of responsibility in them. Make them accountable for whatever happens to their car. They can even work part-time so that they can pay for one-half of their premium.

Understanding Auto Insurance

Dealing with the little details of insurance is always an issue with so many people. Most do not even understand the working of auto insurance. I would share some tips that would help you to understand auto insurance.

1. One of the most important tips that would help you get a discount is to check with your auto insurance agent before buying a car. The value of the car, the cost of maintenance and the likelihood of theft all affects the rates you have to pay. Get to know the policies of your insurance provider before you make a final decision on the car/vehicle to buy.

2. Most insurance companies would give you discounts if you take out more than one insurance policy from them. You can check to find out whether it would be better for you to take out all your insurance policies from one company or if the discount you get from different companies on different policies would make more sense.

3. The deductible is the lowest minimum you have to pay before your insurance policy starts to run. The higher deductible you pay the more discounts you get. What is the highest deductible you can pay? It is always better to pay a higher deductible than lower.

4. Safety devices in your vehicle also qualify you for discounts. But you have to ask for them, most agents may not tell you about it unless you ask for it. Devices like airbags, anti-theft, anti-lock brakes and daytime running lights.

5. Shop around for the best deal! Do not just rely on one quote or one referral. Check out different insurance companies. There are many of them competing for business. So take advantage and save several hundreds of dollars.


Understanding Auto Insurance

Many times, people ignore buying insurance coverage while purchasing a car, considering auto insurance as an aspect that would increase the financial burden. However, buying car insurance is vital as it considerably reduces financial burden incurred due to an accident or property damage.

Most people have a faint idea about their insurance requirements. According to the law, car insurance should cover certain minimal requirements in order to be considered as valid. The primary coverages included in car insurance are liability coverage, personal injury protection, medical expenses, death benefits, property damage liability, uninsured/underinsured motorist coverage, comprehensive coverage and collision coverage. Each state has different requirements pertaining to these coverages. Understanding these coverages could significantly reduce the insurance costs.

Liability insurance coverage is mandatory under most of the State jurisdictions. Liability insurance provides coverage against injury caused to the person driving the car. It also provides coverage to people injured and to the property damaged during the accident. The minimum required amount for liability coverage differs from state to state. However, liability coverage is not a compulsion is States such as New Hampshire, Tennessee, South Carolina and Wisconsin.

Certain States require insurance policies that provide personal injury protection and also cover all the medical expenses incurred at the time of treatment. Also available are certain policies that provide financial coverage against any lost wages, if the person insured is injured in any accident. It is always wise to select a policy that includes death benefit option, so that in case of the unforeseen death of the insured person during an accident, the policy provides financial security to the family.

Collision coverage covers any vehicle damage that has occurred due to a collision. Comprehensive coverage covers issues such as theft, fire, and damages due to falling objects, missiles, explosions, earthquakes, flood and riots.

6 Different Types of Auto Insurance

Automobile insurance is the most popular and most bought insurance in the USA. The country has much more auto than people and a lot of States make it law that people need to have car insurance. With so many people demanding insurance it will always be best to be informed about the various aspects of motor vehicle insurance. This article will focus on the six different types of car insurance.

Bodily Injury Liability is an insurance policy that covers drivers of another car. If the policy holder is in an accident and another driver is hurt then the medical costs will be covered by bodily injury liability This mainly benefits policy holder as he does not have to worry about being sued.

The Medical Payments or Personal Injury Protection (PIP) insurance coverage is close to the bodily Injury liability mentioned above. The difference between the tow is the fact that the policy holder and associated passengers are covered in the case of an accident. This means they are entitled to have their medical bills, loss of wages and even death is covered.

Under Property Damage Liability car insurance policy, the insurance company will cover the cost of repairs to the other party’s car in the event of an accident. With this coverage the other individual’s damages will be paid for by the insurance company, while the policy holder would have to pay for his own damage from his own pocket.

The Collision insurance policy is one of the most common and cheapest auto insurance policies available. With collision the insurance company will pay for the damage or repairs if another driver crashes into you. This usually requires drivers to have a deductible and once the deductible is paid, the insurance company will pay for the rest.

Comprehensive coverage is another popular policy for motor vehicle owners. With comprehensive coverage the car is covered from a wide array of things. The car will be protected from fire, theft acts of God and collision with other vehicles. Policyholders need to pay a monthly deductible. Once this is paid in the event of an accident, the insurance company will cover the rest.

in the event that someone with no insurance crashes into you, then Uninsured and Underinsured Motorist Coverage will cover the costs of the damage sustained by the driver. If it happens to be a case where it was a hit and run, then the policy holder will be protected.

Understanding auto insurance makes it easier if you plan on purchasing in the future. You have looked at Bodily Injury Liability, Medical Payments or Personal Injury Protection (PIP), Property Damage Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Coverage. In analyzing each policy we get to see what each one has to offer. In doing so it allows the potential purchaser of insurance to have the best information available for making the choice on their auto .

Guide to Finding the Best Auto Insurance

Auto insurance policy is the primary need of all automobile owners and/or drivers. In some countries it is compulsory buy auto insurance just after a trial ride.

Finding the best auto insurance involves finding someone who will offer you good price as well as treat you fairly when you need them most “at the time of filing a claim.” Usually, it is easier to collect data and auto insurance quote but the toughest part is to find a counterpart who will treat you fairly when you will be in the need of help – after accident. Best auto insurance policy should be insurer friendly and cheap.

To find best auto insurance policy make a search in local markets, compare the provided quotes and ask them questions as much as you can. Provide them with full and detailed information about you and your vehicle and make them feel that your automobile is accessorized with anti-theft device and car alarm. If the company is fully satisfied they will surely offer you the best auto insurance policy with cheap quotes.

Internet would be helpful for you in both these regards. Information below will help you buying best auto insurance policy:

First of all look at the declaration part of the policy, which includes information about drivers in your house, model number of vehicle, vehicle identification number and policy number. Policy limits, deductibles and coverages purchased will be mentioned there. Thus read this portion and decide yourself, to accept or refuse.

Coverage portion of auto insurance policy comprises coverage limits such as medical, comprehensive and collision. This section mainly outlines what the insurance company will provide in case of accident. Auto insurance policy with strong coverage is the best auto insurance policy.

Conditions - This section includes all about legal bindings. Points included here are steps to filing claim, premium payment obligations and instructions to solve disputes. If you find this section of auto insurance is in your favor, then the policy is insurer friendly and also the best auto insurance for you.

Classic Auto Insurance

Do you have an antique or classic car that you want to have an auto insurance policy for? Collectors of antique cars often want to insure their vehicles in case anything was to happen to it, but many people don't know where to look. Before you start shopping around for classic car insurance, there are a few things you need to know about it.

1. Know what your Car is Worth

When shopping for insurance for your car, you will need to know the current value of it. Your car may appreciate slightly in value each year, as it gets older, and you will want to be insured for the right amount. It may mean a higher premium, but you will still want to know that the entire value of your car is insured in case anything should happen to it.

2. Know What You Need in an Insurance Policy

You will want to know ahead of time what kind of coverage you need on your insurance policy. Do you want coverage for fire and theft? Maybe you just want liability coverage in case you are in an accident. It is a good idea to plan ahead and know what kind of coverage you want before you start looking around.

3. Know How much you Drive

Many specialty insurance policies such as the one you are looking for have monthly or yearly mileage restrictions. Make sure you know the mileage restrictions included on your policy and be aware of how much you are driving.

3. Do Some Research on the Top Companies

Know which companies specialize in providing insurance for antique cars. Here are some of the top insurance providers for classic cars:

Grundy
Hagerty
American Collectors
Classic Collectors
Leland-West


Understanding Auto Insurance

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.


Cheap Teen Auto Insurance

One of the most common desires of teenagers is acquiring his or her own car. And when they truly deserve it, they do get one. Of course, before you can allow your son or daughter to drive on their own, they must first meet the required age to secure a license. In most cases, being able to secure a license means one thing for teenagers - freedom!

Once you've got your teens their cars, the next thing that you must think about is car insurance. One of the first and most important considerations is the price of the insurance premium. Most insurers charge higher premiums for auto insurance for teenagers. This is because these companies see most teen drivers as being more reckless and accident-prone than adults.

Fortunately, there are ways in which you can lessen the charges for your teenager's car insurance. These factors might help you get a better deal in the future.

1. A spotless driving record. It is essential that you emphasize the importance of observing traffic laws and of having a clean driving record to your teenager. This means that they should avoid speeding tickets and other such traffic violations at all costs. And, while accidents do happen, being more aware can minimize the incidence of one happening. A clean driving record will be awarded with lower premium payments.

2. Look for auto insurance with a greater deductible. The premium payment is usually less for auto insurance that covers a higher deductible.

3. A car endowed with more safety features. It would be more beneficial to get your child a car that has a lot of advanced safety features. Avoid vehicles that fall under the higher hazard ranking class.

4. Follow license restrictions. Teenage drivers need to stick to the restrictions and guidelines that their licenses specify.

5. Get a stand-alone policy. With this kind of policy, your child will be responsible for his own insurance. As a new driver, he will only be allowed daylight driving, a certificate from a driving school, and the like.

As a parent, the most appropriate thing for you to do is to inculcate the value of responsibility in them. Make them accountable for whatever happens to their car. They can even work part-time so that they can pay for one-half of their premium.

Understanding Auto Insurance

Dealing with the little details of insurance is always an issue with so many people. Most do not even understand the working of auto insurance. I would share some tips that would help you to understand auto insurance.

1. One of the most important tips that would help you get a discount is to check with your auto insurance agent before buying a car. The value of the car, the cost of maintenance and the likelihood of theft all affects the rates you have to pay. Get to know the policies of your insurance provider before you make a final decision on the car/vehicle to buy.

2. Most insurance companies would give you discounts if you take out more than one insurance policy from them. You can check to find out whether it would be better for you to take out all your insurance policies from one company or if the discount you get from different companies on different policies would make more sense.

3. The deductible is the lowest minimum you have to pay before your insurance policy starts to run. The higher deductible you pay the more discounts you get. What is the highest deductible you can pay? It is always better to pay a higher deductible than lower.

4. Safety devices in your vehicle also qualify you for discounts. But you have to ask for them, most agents may not tell you about it unless you ask for it. Devices like airbags, anti-theft, anti-lock brakes and daytime running lights.

5. Shop around for the best deal! Do not just rely on one quote or one referral. Check out different insurance companies. There are many of them competing for business. So take advantage and save several hundreds of dollars.


Understanding Auto Insurance

Many times, people ignore buying insurance coverage while purchasing a car, considering auto insurance as an aspect that would increase the financial burden. However, buying car insurance is vital as it considerably reduces financial burden incurred due to an accident or property damage.

Most people have a faint idea about their insurance requirements. According to the law, car insurance should cover certain minimal requirements in order to be considered as valid. The primary coverages included in car insurance are liability coverage, personal injury protection, medical expenses, death benefits, property damage liability, uninsured/underinsured motorist coverage, comprehensive coverage and collision coverage. Each state has different requirements pertaining to these coverages. Understanding these coverages could significantly reduce the insurance costs.

Liability insurance coverage is mandatory under most of the State jurisdictions. Liability insurance provides coverage against injury caused to the person driving the car. It also provides coverage to people injured and to the property damaged during the accident. The minimum required amount for liability coverage differs from state to state. However, liability coverage is not a compulsion is States such as New Hampshire, Tennessee, South Carolina and Wisconsin.

Certain States require insurance policies that provide personal injury protection and also cover all the medical expenses incurred at the time of treatment. Also available are certain policies that provide financial coverage against any lost wages, if the person insured is injured in any accident. It is always wise to select a policy that includes death benefit option, so that in case of the unforeseen death of the insured person during an accident, the policy provides financial security to the family.

Collision coverage covers any vehicle damage that has occurred due to a collision. Comprehensive coverage covers issues such as theft, fire, and damages due to falling objects, missiles, explosions, earthquakes, flood and riots.

6 Different Types of Auto Insurance

Automobile insurance is the most popular and most bought insurance in the USA. The country has much more auto than people and a lot of States make it law that people need to have car insurance. With so many people demanding insurance it will always be best to be informed about the various aspects of motor vehicle insurance. This article will focus on the six different types of car insurance.

Bodily Injury Liability is an insurance policy that covers drivers of another car. If the policy holder is in an accident and another driver is hurt then the medical costs will be covered by bodily injury liability This mainly benefits policy holder as he does not have to worry about being sued.

The Medical Payments or Personal Injury Protection (PIP) insurance coverage is close to the bodily Injury liability mentioned above. The difference between the tow is the fact that the policy holder and associated passengers are covered in the case of an accident. This means they are entitled to have their medical bills, loss of wages and even death is covered.

Under Property Damage Liability car insurance policy, the insurance company will cover the cost of repairs to the other party’s car in the event of an accident. With this coverage the other individual’s damages will be paid for by the insurance company, while the policy holder would have to pay for his own damage from his own pocket.

The Collision insurance policy is one of the most common and cheapest auto insurance policies available. With collision the insurance company will pay for the damage or repairs if another driver crashes into you. This usually requires drivers to have a deductible and once the deductible is paid, the insurance company will pay for the rest.

Comprehensive coverage is another popular policy for motor vehicle owners. With comprehensive coverage the car is covered from a wide array of things. The car will be protected from fire, theft acts of God and collision with other vehicles. Policyholders need to pay a monthly deductible. Once this is paid in the event of an accident, the insurance company will cover the rest.

in the event that someone with no insurance crashes into you, then Uninsured and Underinsured Motorist Coverage will cover the costs of the damage sustained by the driver. If it happens to be a case where it was a hit and run, then the policy holder will be protected.

Understanding auto insurance makes it easier if you plan on purchasing in the future. You have looked at Bodily Injury Liability, Medical Payments or Personal Injury Protection (PIP), Property Damage Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Coverage. In analyzing each policy we get to see what each one has to offer. In doing so it allows the potential purchaser of insurance to have the best information available for making the choice on their auto .

Guide to Finding the Best Auto Insurance

Auto insurance policy is the primary need of all automobile owners and/or drivers. In some countries it is compulsory buy auto insurance just after a trial ride.

Finding the best auto insurance involves finding someone who will offer you good price as well as treat you fairly when you need them most “at the time of filing a claim.” Usually, it is easier to collect data and auto insurance quote but the toughest part is to find a counterpart who will treat you fairly when you will be in the need of help – after accident. Best auto insurance policy should be insurer friendly and cheap.

To find best auto insurance policy make a search in local markets, compare the provided quotes and ask them questions as much as you can. Provide them with full and detailed information about you and your vehicle and make them feel that your automobile is accessorized with anti-theft device and car alarm. If the company is fully satisfied they will surely offer you the best auto insurance policy with cheap quotes.

Internet would be helpful for you in both these regards. Information below will help you buying best auto insurance policy:

First of all look at the declaration part of the policy, which includes information about drivers in your house, model number of vehicle, vehicle identification number and policy number. Policy limits, deductibles and coverages purchased will be mentioned there. Thus read this portion and decide yourself, to accept or refuse.

Coverage portion of auto insurance policy comprises coverage limits such as medical, comprehensive and collision. This section mainly outlines what the insurance company will provide in case of accident. Auto insurance policy with strong coverage is the best auto insurance policy.

Conditions - This section includes all about legal bindings. Points included here are steps to filing claim, premium payment obligations and instructions to solve disputes. If you find this section of auto insurance is in your favor, then the policy is insurer friendly and also the best auto insurance for you.

Classic Auto Insurance

Do you have an antique or classic car that you want to have an auto insurance policy for? Collectors of antique cars often want to insure their vehicles in case anything was to happen to it, but many people don't know where to look. Before you start shopping around for classic car insurance, there are a few things you need to know about it.

1. Know what your Car is Worth

When shopping for insurance for your car, you will need to know the current value of it. Your car may appreciate slightly in value each year, as it gets older, and you will want to be insured for the right amount. It may mean a higher premium, but you will still want to know that the entire value of your car is insured in case anything should happen to it.

2. Know What You Need in an Insurance Policy

You will want to know ahead of time what kind of coverage you need on your insurance policy. Do you want coverage for fire and theft? Maybe you just want liability coverage in case you are in an accident. It is a good idea to plan ahead and know what kind of coverage you want before you start looking around.

3. Know How much you Drive

Many specialty insurance policies such as the one you are looking for have monthly or yearly mileage restrictions. Make sure you know the mileage restrictions included on your policy and be aware of how much you are driving.

3. Do Some Research on the Top Companies

Know which companies specialize in providing insurance for antique cars. Here are some of the top insurance providers for classic cars:

Grundy
Hagerty
American Collectors
Classic Collectors
Leland-West


Thursday, November 20, 2008

Against stools - you can easily regenerate their glance

Against stools - you can easily regenerate their glance


You have these against stools out of wooden in your kitchen which miss just in the department of model, but the thing is, you do not want débarasser them because they are always extremely vigorous.Well, which you must do then is to regenerate their glance and here some ideas of which you could benefit to do that just.

Really, you can regenerate the glance of your against stools which are made starting from wood and it is not as hard as you could think.Follow simply this guide and in one nothing time whole yours will have a new and improved aspect.The ok, so much initially in addition to the EC what you must do is to sandpaper in addition to old spot or to finish which is currently on them.This could take two or three days to make thus if you want to accelerate the process instead of doing it with the hand with a piece of paper of sand, can buy or rent a grinder to you to obtain work completed more quickly.

After sandpapering, your stools of meter will have a very basic aspect and will provide you a white fabric to carry out enough much of any glance which you want with them.For example, perhaps you want to very give them a country like aspect to go with your directed kitchen of country.Then, which you could do is to paint your stools with any painting of color which you want, like blue or red, even white or cream regular would be a nice choice.Thus, you comb the stools and to achieve their aspect then, you turn over to these document of sand and sand in addition to few spots here and to give them a beautiful afflicted aspect there.

Or, perhaps the glance which you want to carry out with your against stools out of wooden is something which has more than one sophisticated glance.Then, which you could do is to apply a deep nut spot to him.You could have to apply the spot several times to make sure that it takes and covers well each field of the supply.Do not make any type of sandpapering after you are made applying the spot different with the option from country because then it will not prove as you want.

In addition to the sophisticated countries and glances, there are many of other manners of improving the glance of your against stools.You must just obtain creative and if you are not completely sure what to make, made simply research on the Internet to have some ideas and what you could make with these beautiful options of allowance of the places.And, the Internet is also a nice manner to buy the new ones as well thus if you do not feel like taking a project to change their aspect, do not make you must and can just buy the new ones in the place.

Thus, if counters them stools drink some in your kitchen are not all which satisfying the eye, then change to the top of their aspect with some of the ends that you have ready about today.

Against stools - you can easily regenerate their glance


You have these against stools out of wooden in your kitchen which miss just in the department of model, but the thing is, you do not want débarasser them because they are always extremely vigorous.Well, which you must do then is to regenerate their glance and here some ideas of which you could benefit to do that just.

Really, you can regenerate the glance of your against stools which are made starting from wood and it is not as hard as you could think.Follow simply this guide and in one nothing time whole yours will have a new and improved aspect.The ok, so much initially in addition to the EC what you must do is to sandpaper in addition to old spot or to finish which is currently on them.This could take two or three days to make thus if you want to accelerate the process instead of doing it with the hand with a piece of paper of sand, can buy or rent a grinder to you to obtain work completed more quickly.

After sandpapering, your stools of meter will have a very basic aspect and will provide you a white fabric to carry out enough much of any glance which you want with them.For example, perhaps you want to very give them a country like aspect to go with your directed kitchen of country.Then, which you could do is to paint your stools with any painting of color which you want, like blue or red, even white or cream regular would be a nice choice.Thus, you comb the stools and to achieve their aspect then, you turn over to these document of sand and sand in addition to few spots here and to give them a beautiful afflicted aspect there.

Or, perhaps the glance which you want to carry out with your against stools out of wooden is something which has more than one sophisticated glance.Then, which you could do is to apply a deep nut spot to him.You could have to apply the spot several times to make sure that it takes and covers well each field of the supply.Do not make any type of sandpapering after you are made applying the spot different with the option from country because then it will not prove as you want.

In addition to the sophisticated countries and glances, there are many of other manners of improving the glance of your against stools.You must just obtain creative and if you are not completely sure what to make, made simply research on the Internet to have some ideas and what you could make with these beautiful options of allowance of the places.And, the Internet is also a nice manner to buy the new ones as well thus if you do not feel like taking a project to change their aspect, do not make you must and can just buy the new ones in the place.

Thus, if counters them stools drink some in your kitchen are not all which satisfying the eye, then change to the top of their aspect with some of the ends that you have ready about today.

Against stools - you can easily regenerate their glance


You have these against stools out of wooden in your kitchen which miss just in the department of model, but the thing is, you do not want débarasser them because they are always extremely vigorous.Well, which you must do then is to regenerate their glance and here some ideas of which you could benefit to do that just.

Really, you can regenerate the glance of your against stools which are made starting from wood and it is not as hard as you could think.Follow simply this guide and in one nothing time whole yours will have a new and improved aspect.The ok, so much initially in addition to the EC what you must do is to sandpaper in addition to old spot or to finish which is currently on them.This could take two or three days to make thus if you want to accelerate the process instead of doing it with the hand with a piece of paper of sand, can buy or rent a grinder to you to obtain work completed more quickly.

After sandpapering, your stools of meter will have a very basic aspect and will provide you a white fabric to carry out enough much of any glance which you want with them.For example, perhaps you want to very give them a country like aspect to go with your directed kitchen of country.Then, which you could do is to paint your stools with any painting of color which you want, like blue or red, even white or cream regular would be a nice choice.Thus, you comb the stools and to achieve their aspect then, you turn over to these document of sand and sand in addition to few spots here and to give them a beautiful afflicted aspect there.

Or, perhaps the glance which you want to carry out with your against stools out of wooden is something which has more than one sophisticated glance.Then, which you could do is to apply a deep nut spot to him.You could have to apply the spot several times to make sure that it takes and covers well each field of the supply.Do not make any type of sandpapering after you are made applying the spot different with the option from country because then it will not prove as you want.

In addition to the sophisticated countries and glances, there are many of other manners of improving the glance of your against stools.You must just obtain creative and if you are not completely sure what to make, made simply research on the Internet to have some ideas and what you could make with these beautiful options of allowance of the places.And, the Internet is also a nice manner to buy the new ones as well thus if you do not feel like taking a project to change their aspect, do not make you must and can just buy the new ones in the place.

Thus, if counters them stools drink some in your kitchen are not all which satisfying the eye, then change to the top of their aspect with some of the ends that you have ready about today.

Wednesday, November 19, 2008

Male products of removal of hair


The male products of removal of hair become now an enormous market of improvement of beauty.The men see finally the potential of what good grooming can do for their aspect.There are various techniques of removal of hair available for the men, that can take much time in the bathroom.Generally the type of technique employed to remove hair depends on the place, the density and the type of hair to be removed.

Many male products of removal of hair even traditional shaving, waxing and tweezing.The principal destruction of cause and make suffer literally.These techniques offered a very short provisional difficulty to the nondesired hair that all the treatments of laser of stop become also very popular, but if you prove precisely to change a spirit the effects cannot be reversed.Consequently you want a product of removal of hair which has a decent longevity, that does not cost an arm and a leg, and also allows you to be in and out of the bathroom quickly.

There is fortunately an option.The product of removal of the hair of Revitol is one 100% all the normal cream of removal of hair, this employs the best and documented well ingredients to remove successfully of the hair.Evaluated like cream of removal of hair of number 1 # on the market.Examined per many dermatologists, who all concluded that the cream is extremely effective by removing the nondesired hair.The cream is formulated to be applied with the precision to be able to obtain the best possible aspect.

The cream is also formulated to be able to be employed on same the most significant parts of the body.Are manufactured of 100% all the normal ingredients there no possible possibility of the side effects of the malicious chemicals.One of the best advantages of employing this product of removal of hair is than to more employ it you more regularly than more the recroissance hair becomes is slow, and it becomes also less dense.Revitol are so proud and trustful in their male product of removal of hair of the number one that they support it with a guarantee of money back 90 day old.

Male products of removal of hair


The male products of removal of hair become now an enormous market of improvement of beauty.The men see finally the potential of what good grooming can do for their aspect.There are various techniques of removal of hair available for the men, that can take much time in the bathroom.Generally the type of technique employed to remove hair depends on the place, the density and the type of hair to be removed.

Many male products of removal of hair even traditional shaving, waxing and tweezing.The principal destruction of cause and make suffer literally.These techniques offered a very short provisional difficulty to the nondesired hair that all the treatments of laser of stop become also very popular, but if you prove precisely to change a spirit the effects cannot be reversed.Consequently you want a product of removal of hair which has a decent longevity, that does not cost an arm and a leg, and also allows you to be in and out of the bathroom quickly.

There is fortunately an option.The product of removal of the hair of Revitol is one 100% all the normal cream of removal of hair, this employs the best and documented well ingredients to remove successfully of the hair.Evaluated like cream of removal of hair of number 1 # on the market.Examined per many dermatologists, who all concluded that the cream is extremely effective by removing the nondesired hair.The cream is formulated to be applied with the precision to be able to obtain the best possible aspect.

The cream is also formulated to be able to be employed on same the most significant parts of the body.Are manufactured of 100% all the normal ingredients there no possible possibility of the side effects of the malicious chemicals.One of the best advantages of employing this product of removal of hair is than to more employ it you more regularly than more the recroissance hair becomes is slow, and it becomes also less dense.Revitol are so proud and trustful in their male product of removal of hair of the number one that they support it with a guarantee of money back 90 day old.

Male products of removal of hair


The male products of removal of hair become now an enormous market of improvement of beauty.The men see finally the potential of what good grooming can do for their aspect.There are various techniques of removal of hair available for the men, that can take much time in the bathroom.Generally the type of technique employed to remove hair depends on the place, the density and the type of hair to be removed.

Many male products of removal of hair even traditional shaving, waxing and tweezing.The principal destruction of cause and make suffer literally.These techniques offered a very short provisional difficulty to the nondesired hair that all the treatments of laser of stop become also very popular, but if you prove precisely to change a spirit the effects cannot be reversed.Consequently you want a product of removal of hair which has a decent longevity, that does not cost an arm and a leg, and also allows you to be in and out of the bathroom quickly.

There is fortunately an option.The product of removal of the hair of Revitol is one 100% all the normal cream of removal of hair, this employs the best and documented well ingredients to remove successfully of the hair.Evaluated like cream of removal of hair of number 1 # on the market.Examined per many dermatologists, who all concluded that the cream is extremely effective by removing the nondesired hair.The cream is formulated to be applied with the precision to be able to obtain the best possible aspect.

The cream is also formulated to be able to be employed on same the most significant parts of the body.Are manufactured of 100% all the normal ingredients there no possible possibility of the side effects of the malicious chemicals.One of the best advantages of employing this product of removal of hair is than to more employ it you more regularly than more the recroissance hair becomes is slow, and it becomes also less dense.Revitol are so proud and trustful in their male product of removal of hair of the number one that they support it with a guarantee of money back 90 day old.

Prolongations of nail - obtain the long ones and elegant nails today

Prolongations of nail - obtain the long ones and elegant nails today

When you meet initially a person, the hands are one of the things which you note initially.The hands can be a strong reflexion of the character of the person, and the nails make usually the major part of the indication.The short nails, shredded and chew-towards the top can indicate a character nervous or subjected to a constraint, the long nails with dirtiness under them can be a sign of poor hygiene while the clean nails and bien-manicured indicate to you that the person takes time to work with their aspect.If you envy the women who have long sophisticated nails, then you can want to start to look at some types of prolongations of nail to see how you can carry out the same glance.

Acrylic resin

One of the popular types of prolongations of nail is the acrylic prolongation.These prolongations are mixture of a liquid and acrylic powder.Once that combined, the two elements create a paste.This paste is then swept above the nail and left to harden.Many women prefer this type of prolongation of nail because of its normal glance and longevity.However, you must prepare with frequent sufficiencies which should be made every two weeks.

Glass fibre

The ladies who would like to go to seek a lighter option consider glass fibre prolongations.These prolongations can be meaner but they offer really same impact strength as their acrylic cousins.Be just sure to stick with the glass fibre, and not the fabric or the silk which are also the popular products of replacement.These two can not offer the same force that you need.

Freezing

Freezing is one of the types of prolongations of nail which are traditional.The process to apply prolongations of nail of freezing implies to mould a coloured piece of freezing and fitting of precision it at the end of the nail.You can choose to make it mix with the remainder of your nail or you can go to seek a French end.Once that adapted, light UV is employed to harden freezing and to form part it of the place.

Prolongations of nail - obtain the long ones and elegant nails today

When you meet initially a person, the hands are one of the things which you note initially.The hands can be a strong reflexion of the character of the person, and the nails make usually the major part of the indication.The short nails, shredded and chew-towards the top can indicate a character nervous or subjected to a constraint, the long nails with dirtiness under them can be a sign of poor hygiene while the clean nails and bien-manicured indicate to you that the person takes time to work with their aspect.If you envy the women who have long sophisticated nails, then you can want to start to look at some types of prolongations of nail to see how you can carry out the same glance.

Acrylic resin

One of the popular types of prolongations of nail is the acrylic prolongation.These prolongations are mixture of a liquid and acrylic powder.Once that combined, the two elements create a paste.This paste is then swept above the nail and left to harden.Many women prefer this type of prolongation of nail because of its normal glance and longevity.However, you must prepare with frequent sufficiencies which should be made every two weeks.

Glass fibre

The ladies who would like to go to seek a lighter option consider glass fibre prolongations.These prolongations can be meaner but they offer really same impact strength as their acrylic cousins.Be just sure to stick with the glass fibre, and not the fabric or the silk which are also the popular products of replacement.These two can not offer the same force that you need.

Freezing

Freezing is one of the types of prolongations of nail which are traditional.The process to apply prolongations of nail of freezing implies to mould a coloured piece of freezing and fitting of precision it at the end of the nail.You can choose to make it mix with the remainder of your nail or you can go to seek a French end.Once that adapted, light UV is employed to harden freezing and to form part it of the place.

Prolongations of nail - obtain the long ones and elegant nails today

When you meet initially a person, the hands are one of the things which you note initially.The hands can be a strong reflexion of the character of the person, and the nails make usually the major part of the indication.The short nails, shredded and chew-towards the top can indicate a character nervous or subjected to a constraint, the long nails with dirtiness under them can be a sign of poor hygiene while the clean nails and bien-manicured indicate to you that the person takes time to work with their aspect.If you envy the women who have long sophisticated nails, then you can want to start to look at some types of prolongations of nail to see how you can carry out the same glance.

Acrylic resin

One of the popular types of prolongations of nail is the acrylic prolongation.These prolongations are mixture of a liquid and acrylic powder.Once that combined, the two elements create a paste.This paste is then swept above the nail and left to harden.Many women prefer this type of prolongation of nail because of its normal glance and longevity.However, you must prepare with frequent sufficiencies which should be made every two weeks.

Glass fibre

The ladies who would like to go to seek a lighter option consider glass fibre prolongations.These prolongations can be meaner but they offer really same impact strength as their acrylic cousins.Be just sure to stick with the glass fibre, and not the fabric or the silk which are also the popular products of replacement.These two can not offer the same force that you need.

Freezing

Freezing is one of the types of prolongations of nail which are traditional.The process to apply prolongations of nail of freezing implies to mould a coloured piece of freezing and fitting of precision it at the end of the nail.You can choose to make it mix with the remainder of your nail or you can go to seek a French end.Once that adapted, light UV is employed to harden freezing and to form part it of the place.

Webstats Software

Webstats Software

First, a quick note on the webstats packages you’re likely looking at if you use a basic web hosting package, such as the Mini-Me package I use for Work Industries from Nexcess.net, a service I recommend.

Webstats Software

The webstats software you’re using is free and offered en masse to everyone. Common webstats packages used include AWStats and Webalizer, both of which are not great but will do the job for most people starting out or looking for an overview of their website’s performance.

Webstats Software

First, a quick note on the webstats packages you’re likely looking at if you use a basic web hosting package, such as the Mini-Me package I use for Work Industries from Nexcess.net, a service I recommend.

Webstats Software

The webstats software you’re using is free and offered en masse to everyone. Common webstats packages used include AWStats and Webalizer, both of which are not great but will do the job for most people starting out or looking for an overview of their website’s performance.

Webstats Software

First, a quick note on the webstats packages you’re likely looking at if you use a basic web hosting package, such as the Mini-Me package I use for Work Industries from Nexcess.net, a service I recommend.

Webstats Software

The webstats software you’re using is free and offered en masse to everyone. Common webstats packages used include AWStats and Webalizer, both of which are not great but will do the job for most people starting out or looking for an overview of their website’s performance.

Webstats software, A Quick Guide to Reading Webstats

Webstats software, A Quick Guide to Reading Webstats

On Monday and Tuesday of this week, I was in Penticton visiting a client, Theytus Books. Theytus is Canada’s largest indigineous publisher and I’m part of a team doing work for them to analyze some of their business practices and make technology and web recommendations. Visiting Theytus’ office and business setup was a great experience and helped me contextualize the work I’m doing for them. The visit improved my understanding of Theytus’ technology and web practices, and it allowed me to get a better handle on how our recommendations will end up living in their world.

On the second day of our visit, I sat with Anita Large, Theytus’ Managing Publisher, and asked her to show me Theytus’ hosting account. We went through some of the details and I made notes. Then we opened up Theytus’ webstats. Anita knew about her webstats and knew they meant something about the performance and health of her website, but she didn’t have a great understanding of what each metric meant and so she had stopped looking at them.

I spent some time going through the Theytus webstats with Anita, and it was suggested to me by a colleague, Kiley, who also listened in on my webstats chat, that Anita was not alone in wanting a quick guide to webstats. I walked Anita through the stats in about half an hour and she loved being able to understand the words and figures. So, in the spirit of sharing, and because I think Kiley was right, here’s a quick guide to reading webstats.

Webstats Software

First, a quick note on the webstats packages you’re likely looking at if you use a basic web hosting package, such as the Mini-Me package I use for Work Industries from Nexcess.net, a service I recommend.

The webstats software you’re using is free and offered en masse to everyone. Common webstats packages used include AWStats and Webalizer, both of which are not great but will do the job for most people starting out or looking for an overview of their website’s performance.

Think of it this way: the webstats packages that come with basic hosting are like the standard gauges on a car - speedometer, oil temperature, battery amps, fuel volume. They tell you some basics and you’re able to start off and get around with them. A more advanced car comes with some more advanced gauges - tachometer, turbo-boost, oil pressure, fuel consumption, tire pressure. An expensive car built for a specific purpose - an F1 race car, a rally car, an endurance car - requires more specialized tools that provide greater volume and more granular detail of information. The more advanced tools also require skills and experience to interpret the information, relate it to the performance of the car, and turn it into a meaningful action plan to change the performance. But I’m getting ahead of myself. Here, let’s stick with the basics.

Just as with a car, some of the measures in your webstats are useful for managing and enhancing your website. Some of the measures are just added-on information to sell the car. They’ve been added because they make sense to the folks who built the webstats packages or simply because they could be added.

Knowing how to interpret the measures - to transform them into useful information - is far more important than the volume or detail of the measures. The more you invest in your car or website and the more you demand of its performance, the more you need to know, and the more you need to create a strong feedback loop that monitors performance. The reporting should be commensurate with both the rewards of analysis and the analyst’s level of expertise. A daily commute doesn’t require an F1 race car.

So which measures matter and which measures are just added-on information?

Finding the Meaning in the Glut

For most websites, here are the numbers that matter from the common webstats packages:

Meaningful Webstats, Webstats software

  1. Unique Visitors: This is the single best measure of how many people are coming to your website. Under detailed scrutiny it’s flawed, but as a basic measure, it works very well. Keep your eye on it. Your Unique Visitors number should be growing month after month and year over year. See if you can find monthly patterns in this number, or seasonal patterns that correlate to something in your business. (This stat can also be called Uniques.)
  2. Visits: Visits displays the total number of times people or spiders have come to your site. People are humans visiting with a web browser, while spiders (or bots) are computer programs used by websites like search engines to crawl your site and retrieve its content so it can be added to the search engine index. (Here is a good list of the search engine bots’ names.) The Visits stat is the second-most important thing to watch. (Visits can also be called Number of Visitors or Visitors.)
  3. Page Views: The Page Views number shows you the total number of pages requested and served by your web server. If a user comes to your homepage (1), then clicks on a link to your About page (2), then clicks on Contact Us (3), then closes their browser window, they will show up in your stats as 3 page views, 1 unique visitor, and 1 visitor. (Page Views can also be called Pages.)
  4. Referrers: These are the other websites and sources of links (called direct referrals, meaning bookmarks, email links, direct URLs typed into the browser) that are directly sending you traffic. Keep an eye on this stat because it will tell you where your users are coming from and who is linking to you.
  5. Search Keywords: These are the searches people are using to find your website. When they click through to your website, the search engine tells your web server what search they used, and your webstats software reports on this.
  6. HTTP Status Codes: These will tell you what errors your web server has logged. The most common and most important to stay current with are 404 errors - “file not found.” These occur when someone tries a URL and doesn’t get anything back from the server. They often indicate a misspelled link or misreferenced file (internal) or a mistake from an external site pointing at your site. Either way, you want to track down each of these errors and see what’s causing it. Each one is a potential connection with a prospective client.

Kinda Meaningful Webstats, Webstats software

  1. Days of Month: It’s interesting to watch which days attract more traffic, and to watch which new content or events on the website can drive user behaviours, but it’s very hard to correlate these stats back to events.
  2. Days of Week: See above. But, the real value in looking at Days of Week is seeing which days people visit your site. Generally, the middle of the week will be busiest, with Tuesday, Wednesday, and Thursday probably your most popular days.
  3. Hours: If you blindfolded yourself and had to guess when people were visiting your site, you could probably draw a graph pretty close to the way this stat appears. A business-related website will draw people during working hours and a website that caters to personal interests will draw people in the evening.

Mostly Meaningless Webstats

  1. Hits: Hits represent the most overused and abused term in website performance. Hits mean nothing. I’ve heard some people say that HITS are How Idiots Track Success. Simply, a hit is one file requested and served from your server. That file could be any type. A homepage consisting of 37 files (not unusual) will register 37 hits every time a person or bot requests the homepage. Hits mean next to nothing.
  2. Bandwidth: This is the amount of data transferred from your web server to requestors. Unless you’re metered by bandwidth, it’s not too important. You’ll likely find that your homepage or most popular landing page is the top bandwidth user, unless you have high-bandwidth files on your server, such as audio, high-resolution images, or video files. Don’t pay much attention to bandwidth unless you’re close to your hosting limit.
  3. Hosts: These are the ISPs used to connect to your site. Unless you can differentiate ISPs from URLs, skip spending any time on this stat.
  4. Visitor Domains: Depending on your webstats, these have varying degrees of accuracy. Basically, every request to your web server comes from a requestor using an IP address. Visitor Domains groups these requestors by IP address, which are assigned in blocks to various organizations and countries. But the mapping of IP addresses to countries is very unreliable, so Visitor Domains ends up being unreliable.
  5. Operating Systems: Microsoft Windows is the most popular operating system in the world. Do you need your stats package to tell you that? What are you going to do with that information? Nothing, unless you’re offering software for download.
  6. Browsers: Microsoft’s Internet Explorer is the most popular web browser in the world, but its market share is eroding. Mozilla Firefox is second and growing. Apple’s Safari reach is small. So are Opera’s and a few others. The only important thing I have ever learned by looking at Browsers is that a mobile browser was accessing one of my websites. That .2% of my traffic was interesting to me. But I wasn’t going to do anything about it. Build your site according to the W3C web standards, employ a good web designer to ensure your site works with the quirks of the major browsers, and every few months glance at the overall market share of browsers.
  7. Any other stats overlooked here.

Setting Up and Securing Your Webstats

In your hosting account, you likely have access to your stats page. It’ll be called webstats or the name of one of the software packages listed above. A few questions to ask are:

  • Is your stats page secure or can anyone with the URL for it see it? This is important. Copy the URL of your stats page, log out, then paste the URL into the address bar of your web browser. Can you see the stats page? If so, it’s not secure and anyone can see it. You want it to be secure. Get in touch with your hosting company and tell them you want it secured. If they balk at this or try to charge you money for it, change hosting companies.
  • Is your own activity tracked in your stats package? You probably visit your own website. Is your webstats package adding you or your company’s activity to its numbers? Ask your hosting provider. Or, look for a page that only gets accessed when you’re logged in. If one of these pages shows up in your stats as getting activity, then you are skewing your own stats. This could mean very little, if you have strong traffic volume, or it could mean a lot. Contact your hosting provider and ask them how to remove your own activity from your stats. There are ways to do this, such as not including the traffic of a specific IP address, so be persistent and get them working for you.
  • Do you get your webstats on a regular basis? Are they run automatically? You should be able to answer “yes” to both of these questions. You also want to get your webstats on as regular a basis as possible. Weekly is good, daily is better.
  • Never let your ISP or host throw away your webstats. Historical data are important and data storage is cheap. If they insist on removing your historical webstats, tell them you still want the data and ask them to export them to a file for you to keep.

Trends to Watch: How Your Webstats Relate to Your Efforts

Here is a first-draft list of things to watch for in your stats:

  • Month-over-month trends for meaningful metrics (or week-over-week if you get weekly stats).
  • Spike activity in unique visitors, visits, and bandwidth. The good scenario is when this correlates with a link to your site from an external site with lots of traffic. You’ve been found, deemed worthy of attention, and linked to. Watch your referrers to see where the traffic is coming from. The less-good scenario is when a spike correlates to poached content (other sites using your images to serve on their pages) or some kind of scraping of content (other sites literally copying and pasting your content onto their own site).
  • Search keyword phrases: These will tell you what terms people are using to find your site in search engines. Some search keyword phrases will come as no surprise if you’ve built your site correctly, but others will be completely unexpected. This is both the pleasure and frustration of working on the web - getting found for what you offer and getting found completely randomly for something you never considered being found for. Search keyword phrases are leading indicators of areas of opportunity for your site.
  • Referrers: Since referrers are the websites that are sending you traffic, of course you’re going to want to pay attention to them. Who are they? What made them link to you? Can you find how they linked to you? Go to their website and get in touch with them. The web is made of people. Web people love to get a “thank you for linking to me” email.
  • Most popular entry pages: These are the pages people have bookmarked or linked to. Why? Are you an authority or resource for something you never intended to be? Sleuth around a little and find out why people are coming to that page of your site.
  • Overall number of visitors: Unless you have large enough numbers - like in the hundreds or thousands - for the Meaningful Webstats listed above, don’t sweat changes in your overall numbers too much. Watch them, but don’t obsess. Small numbers are often statistically unreliable. Ignore the percentages of change until you have large enough numbers for them to mean something.

So that’s it. What do you think? Many of you out there have great knowledge of webstats packages, far more than I have. Feel free to take this quick guide and use it to educate others - just give me some credit for starting the snowball rolling!

If you have anything to add or ask, please do so. Together we’re much stronger than any of us alone or on islands. The web is about links and connecting information. Add a comment, send me an email or post on your own site and link to this post to continue the conversation.

Webstats software

Webstats software, A Quick Guide to Reading Webstats

On Monday and Tuesday of this week, I was in Penticton visiting a client, Theytus Books. Theytus is Canada’s largest indigineous publisher and I’m part of a team doing work for them to analyze some of their business practices and make technology and web recommendations. Visiting Theytus’ office and business setup was a great experience and helped me contextualize the work I’m doing for them. The visit improved my understanding of Theytus’ technology and web practices, and it allowed me to get a better handle on how our recommendations will end up living in their world.

On the second day of our visit, I sat with Anita Large, Theytus’ Managing Publisher, and asked her to show me Theytus’ hosting account. We went through some of the details and I made notes. Then we opened up Theytus’ webstats. Anita knew about her webstats and knew they meant something about the performance and health of her website, but she didn’t have a great understanding of what each metric meant and so she had stopped looking at them.

I spent some time going through the Theytus webstats with Anita, and it was suggested to me by a colleague, Kiley, who also listened in on my webstats chat, that Anita was not alone in wanting a quick guide to webstats. I walked Anita through the stats in about half an hour and she loved being able to understand the words and figures. So, in the spirit of sharing, and because I think Kiley was right, here’s a quick guide to reading webstats.

Webstats Software

First, a quick note on the webstats packages you’re likely looking at if you use a basic web hosting package, such as the Mini-Me package I use for Work Industries from Nexcess.net, a service I recommend.

The webstats software you’re using is free and offered en masse to everyone. Common webstats packages used include AWStats and Webalizer, both of which are not great but will do the job for most people starting out or looking for an overview of their website’s performance.

Think of it this way: the webstats packages that come with basic hosting are like the standard gauges on a car - speedometer, oil temperature, battery amps, fuel volume. They tell you some basics and you’re able to start off and get around with them. A more advanced car comes with some more advanced gauges - tachometer, turbo-boost, oil pressure, fuel consumption, tire pressure. An expensive car built for a specific purpose - an F1 race car, a rally car, an endurance car - requires more specialized tools that provide greater volume and more granular detail of information. The more advanced tools also require skills and experience to interpret the information, relate it to the performance of the car, and turn it into a meaningful action plan to change the performance. But I’m getting ahead of myself. Here, let’s stick with the basics.

Just as with a car, some of the measures in your webstats are useful for managing and enhancing your website. Some of the measures are just added-on information to sell the car. They’ve been added because they make sense to the folks who built the webstats packages or simply because they could be added.

Knowing how to interpret the measures - to transform them into useful information - is far more important than the volume or detail of the measures. The more you invest in your car or website and the more you demand of its performance, the more you need to know, and the more you need to create a strong feedback loop that monitors performance. The reporting should be commensurate with both the rewards of analysis and the analyst’s level of expertise. A daily commute doesn’t require an F1 race car.

So which measures matter and which measures are just added-on information?

Finding the Meaning in the Glut

For most websites, here are the numbers that matter from the common webstats packages:

Meaningful Webstats, Webstats software

  1. Unique Visitors: This is the single best measure of how many people are coming to your website. Under detailed scrutiny it’s flawed, but as a basic measure, it works very well. Keep your eye on it. Your Unique Visitors number should be growing month after month and year over year. See if you can find monthly patterns in this number, or seasonal patterns that correlate to something in your business. (This stat can also be called Uniques.)
  2. Visits: Visits displays the total number of times people or spiders have come to your site. People are humans visiting with a web browser, while spiders (or bots) are computer programs used by websites like search engines to crawl your site and retrieve its content so it can be added to the search engine index. (Here is a good list of the search engine bots’ names.) The Visits stat is the second-most important thing to watch. (Visits can also be called Number of Visitors or Visitors.)
  3. Page Views: The Page Views number shows you the total number of pages requested and served by your web server. If a user comes to your homepage (1), then clicks on a link to your About page (2), then clicks on Contact Us (3), then closes their browser window, they will show up in your stats as 3 page views, 1 unique visitor, and 1 visitor. (Page Views can also be called Pages.)
  4. Referrers: These are the other websites and sources of links (called direct referrals, meaning bookmarks, email links, direct URLs typed into the browser) that are directly sending you traffic. Keep an eye on this stat because it will tell you where your users are coming from and who is linking to you.
  5. Search Keywords: These are the searches people are using to find your website. When they click through to your website, the search engine tells your web server what search they used, and your webstats software reports on this.
  6. HTTP Status Codes: These will tell you what errors your web server has logged. The most common and most important to stay current with are 404 errors - “file not found.” These occur when someone tries a URL and doesn’t get anything back from the server. They often indicate a misspelled link or misreferenced file (internal) or a mistake from an external site pointing at your site. Either way, you want to track down each of these errors and see what’s causing it. Each one is a potential connection with a prospective client.

Kinda Meaningful Webstats, Webstats software

  1. Days of Month: It’s interesting to watch which days attract more traffic, and to watch which new content or events on the website can drive user behaviours, but it’s very hard to correlate these stats back to events.
  2. Days of Week: See above. But, the real value in looking at Days of Week is seeing which days people visit your site. Generally, the middle of the week will be busiest, with Tuesday, Wednesday, and Thursday probably your most popular days.
  3. Hours: If you blindfolded yourself and had to guess when people were visiting your site, you could probably draw a graph pretty close to the way this stat appears. A business-related website will draw people during working hours and a website that caters to personal interests will draw people in the evening.

Mostly Meaningless Webstats

  1. Hits: Hits represent the most overused and abused term in website performance. Hits mean nothing. I’ve heard some people say that HITS are How Idiots Track Success. Simply, a hit is one file requested and served from your server. That file could be any type. A homepage consisting of 37 files (not unusual) will register 37 hits every time a person or bot requests the homepage. Hits mean next to nothing.
  2. Bandwidth: This is the amount of data transferred from your web server to requestors. Unless you’re metered by bandwidth, it’s not too important. You’ll likely find that your homepage or most popular landing page is the top bandwidth user, unless you have high-bandwidth files on your server, such as audio, high-resolution images, or video files. Don’t pay much attention to bandwidth unless you’re close to your hosting limit.
  3. Hosts: These are the ISPs used to connect to your site. Unless you can differentiate ISPs from URLs, skip spending any time on this stat.
  4. Visitor Domains: Depending on your webstats, these have varying degrees of accuracy. Basically, every request to your web server comes from a requestor using an IP address. Visitor Domains groups these requestors by IP address, which are assigned in blocks to various organizations and countries. But the mapping of IP addresses to countries is very unreliable, so Visitor Domains ends up being unreliable.
  5. Operating Systems: Microsoft Windows is the most popular operating system in the world. Do you need your stats package to tell you that? What are you going to do with that information? Nothing, unless you’re offering software for download.
  6. Browsers: Microsoft’s Internet Explorer is the most popular web browser in the world, but its market share is eroding. Mozilla Firefox is second and growing. Apple’s Safari reach is small. So are Opera’s and a few others. The only important thing I have ever learned by looking at Browsers is that a mobile browser was accessing one of my websites. That .2% of my traffic was interesting to me. But I wasn’t going to do anything about it. Build your site according to the W3C web standards, employ a good web designer to ensure your site works with the quirks of the major browsers, and every few months glance at the overall market share of browsers.
  7. Any other stats overlooked here.

Setting Up and Securing Your Webstats

In your hosting account, you likely have access to your stats page. It’ll be called webstats or the name of one of the software packages listed above. A few questions to ask are:

  • Is your stats page secure or can anyone with the URL for it see it? This is important. Copy the URL of your stats page, log out, then paste the URL into the address bar of your web browser. Can you see the stats page? If so, it’s not secure and anyone can see it. You want it to be secure. Get in touch with your hosting company and tell them you want it secured. If they balk at this or try to charge you money for it, change hosting companies.
  • Is your own activity tracked in your stats package? You probably visit your own website. Is your webstats package adding you or your company’s activity to its numbers? Ask your hosting provider. Or, look for a page that only gets accessed when you’re logged in. If one of these pages shows up in your stats as getting activity, then you are skewing your own stats. This could mean very little, if you have strong traffic volume, or it could mean a lot. Contact your hosting provider and ask them how to remove your own activity from your stats. There are ways to do this, such as not including the traffic of a specific IP address, so be persistent and get them working for you.
  • Do you get your webstats on a regular basis? Are they run automatically? You should be able to answer “yes” to both of these questions. You also want to get your webstats on as regular a basis as possible. Weekly is good, daily is better.
  • Never let your ISP or host throw away your webstats. Historical data are important and data storage is cheap. If they insist on removing your historical webstats, tell them you still want the data and ask them to export them to a file for you to keep.

Trends to Watch: How Your Webstats Relate to Your Efforts

Here is a first-draft list of things to watch for in your stats:

  • Month-over-month trends for meaningful metrics (or week-over-week if you get weekly stats).
  • Spike activity in unique visitors, visits, and bandwidth. The good scenario is when this correlates with a link to your site from an external site with lots of traffic. You’ve been found, deemed worthy of attention, and linked to. Watch your referrers to see where the traffic is coming from. The less-good scenario is when a spike correlates to poached content (other sites using your images to serve on their pages) or some kind of scraping of content (other sites literally copying and pasting your content onto their own site).
  • Search keyword phrases: These will tell you what terms people are using to find your site in search engines. Some search keyword phrases will come as no surprise if you’ve built your site correctly, but others will be completely unexpected. This is both the pleasure and frustration of working on the web - getting found for what you offer and getting found completely randomly for something you never considered being found for. Search keyword phrases are leading indicators of areas of opportunity for your site.
  • Referrers: Since referrers are the websites that are sending you traffic, of course you’re going to want to pay attention to them. Who are they? What made them link to you? Can you find how they linked to you? Go to their website and get in touch with them. The web is made of people. Web people love to get a “thank you for linking to me” email.
  • Most popular entry pages: These are the pages people have bookmarked or linked to. Why? Are you an authority or resource for something you never intended to be? Sleuth around a little and find out why people are coming to that page of your site.
  • Overall number of visitors: Unless you have large enough numbers - like in the hundreds or thousands - for the Meaningful Webstats listed above, don’t sweat changes in your overall numbers too much. Watch them, but don’t obsess. Small numbers are often statistically unreliable. Ignore the percentages of change until you have large enough numbers for them to mean something.

So that’s it. What do you think? Many of you out there have great knowledge of webstats packages, far more than I have. Feel free to take this quick guide and use it to educate others - just give me some credit for starting the snowball rolling!

If you have anything to add or ask, please do so. Together we’re much stronger than any of us alone or on islands. The web is about links and connecting information. Add a comment, send me an email or post on your own site and link to this post to continue the conversation.

Webstats software

Webstats software, A Quick Guide to Reading Webstats

On Monday and Tuesday of this week, I was in Penticton visiting a client, Theytus Books. Theytus is Canada’s largest indigineous publisher and I’m part of a team doing work for them to analyze some of their business practices and make technology and web recommendations. Visiting Theytus’ office and business setup was a great experience and helped me contextualize the work I’m doing for them. The visit improved my understanding of Theytus’ technology and web practices, and it allowed me to get a better handle on how our recommendations will end up living in their world.

On the second day of our visit, I sat with Anita Large, Theytus’ Managing Publisher, and asked her to show me Theytus’ hosting account. We went through some of the details and I made notes. Then we opened up Theytus’ webstats. Anita knew about her webstats and knew they meant something about the performance and health of her website, but she didn’t have a great understanding of what each metric meant and so she had stopped looking at them.

I spent some time going through the Theytus webstats with Anita, and it was suggested to me by a colleague, Kiley, who also listened in on my webstats chat, that Anita was not alone in wanting a quick guide to webstats. I walked Anita through the stats in about half an hour and she loved being able to understand the words and figures. So, in the spirit of sharing, and because I think Kiley was right, here’s a quick guide to reading webstats.

Webstats Software

First, a quick note on the webstats packages you’re likely looking at if you use a basic web hosting package, such as the Mini-Me package I use for Work Industries from Nexcess.net, a service I recommend.

The webstats software you’re using is free and offered en masse to everyone. Common webstats packages used include AWStats and Webalizer, both of which are not great but will do the job for most people starting out or looking for an overview of their website’s performance.

Think of it this way: the webstats packages that come with basic hosting are like the standard gauges on a car - speedometer, oil temperature, battery amps, fuel volume. They tell you some basics and you’re able to start off and get around with them. A more advanced car comes with some more advanced gauges - tachometer, turbo-boost, oil pressure, fuel consumption, tire pressure. An expensive car built for a specific purpose - an F1 race car, a rally car, an endurance car - requires more specialized tools that provide greater volume and more granular detail of information. The more advanced tools also require skills and experience to interpret the information, relate it to the performance of the car, and turn it into a meaningful action plan to change the performance. But I’m getting ahead of myself. Here, let’s stick with the basics.

Just as with a car, some of the measures in your webstats are useful for managing and enhancing your website. Some of the measures are just added-on information to sell the car. They’ve been added because they make sense to the folks who built the webstats packages or simply because they could be added.

Knowing how to interpret the measures - to transform them into useful information - is far more important than the volume or detail of the measures. The more you invest in your car or website and the more you demand of its performance, the more you need to know, and the more you need to create a strong feedback loop that monitors performance. The reporting should be commensurate with both the rewards of analysis and the analyst’s level of expertise. A daily commute doesn’t require an F1 race car.

So which measures matter and which measures are just added-on information?

Finding the Meaning in the Glut

For most websites, here are the numbers that matter from the common webstats packages:

Meaningful Webstats, Webstats software

  1. Unique Visitors: This is the single best measure of how many people are coming to your website. Under detailed scrutiny it’s flawed, but as a basic measure, it works very well. Keep your eye on it. Your Unique Visitors number should be growing month after month and year over year. See if you can find monthly patterns in this number, or seasonal patterns that correlate to something in your business. (This stat can also be called Uniques.)
  2. Visits: Visits displays the total number of times people or spiders have come to your site. People are humans visiting with a web browser, while spiders (or bots) are computer programs used by websites like search engines to crawl your site and retrieve its content so it can be added to the search engine index. (Here is a good list of the search engine bots’ names.) The Visits stat is the second-most important thing to watch. (Visits can also be called Number of Visitors or Visitors.)
  3. Page Views: The Page Views number shows you the total number of pages requested and served by your web server. If a user comes to your homepage (1), then clicks on a link to your About page (2), then clicks on Contact Us (3), then closes their browser window, they will show up in your stats as 3 page views, 1 unique visitor, and 1 visitor. (Page Views can also be called Pages.)
  4. Referrers: These are the other websites and sources of links (called direct referrals, meaning bookmarks, email links, direct URLs typed into the browser) that are directly sending you traffic. Keep an eye on this stat because it will tell you where your users are coming from and who is linking to you.
  5. Search Keywords: These are the searches people are using to find your website. When they click through to your website, the search engine tells your web server what search they used, and your webstats software reports on this.
  6. HTTP Status Codes: These will tell you what errors your web server has logged. The most common and most important to stay current with are 404 errors - “file not found.” These occur when someone tries a URL and doesn’t get anything back from the server. They often indicate a misspelled link or misreferenced file (internal) or a mistake from an external site pointing at your site. Either way, you want to track down each of these errors and see what’s causing it. Each one is a potential connection with a prospective client.

Kinda Meaningful Webstats, Webstats software

  1. Days of Month: It’s interesting to watch which days attract more traffic, and to watch which new content or events on the website can drive user behaviours, but it’s very hard to correlate these stats back to events.
  2. Days of Week: See above. But, the real value in looking at Days of Week is seeing which days people visit your site. Generally, the middle of the week will be busiest, with Tuesday, Wednesday, and Thursday probably your most popular days.
  3. Hours: If you blindfolded yourself and had to guess when people were visiting your site, you could probably draw a graph pretty close to the way this stat appears. A business-related website will draw people during working hours and a website that caters to personal interests will draw people in the evening.

Mostly Meaningless Webstats

  1. Hits: Hits represent the most overused and abused term in website performance. Hits mean nothing. I’ve heard some people say that HITS are How Idiots Track Success. Simply, a hit is one file requested and served from your server. That file could be any type. A homepage consisting of 37 files (not unusual) will register 37 hits every time a person or bot requests the homepage. Hits mean next to nothing.
  2. Bandwidth: This is the amount of data transferred from your web server to requestors. Unless you’re metered by bandwidth, it’s not too important. You’ll likely find that your homepage or most popular landing page is the top bandwidth user, unless you have high-bandwidth files on your server, such as audio, high-resolution images, or video files. Don’t pay much attention to bandwidth unless you’re close to your hosting limit.
  3. Hosts: These are the ISPs used to connect to your site. Unless you can differentiate ISPs from URLs, skip spending any time on this stat.
  4. Visitor Domains: Depending on your webstats, these have varying degrees of accuracy. Basically, every request to your web server comes from a requestor using an IP address. Visitor Domains groups these requestors by IP address, which are assigned in blocks to various organizations and countries. But the mapping of IP addresses to countries is very unreliable, so Visitor Domains ends up being unreliable.
  5. Operating Systems: Microsoft Windows is the most popular operating system in the world. Do you need your stats package to tell you that? What are you going to do with that information? Nothing, unless you’re offering software for download.
  6. Browsers: Microsoft’s Internet Explorer is the most popular web browser in the world, but its market share is eroding. Mozilla Firefox is second and growing. Apple’s Safari reach is small. So are Opera’s and a few others. The only important thing I have ever learned by looking at Browsers is that a mobile browser was accessing one of my websites. That .2% of my traffic was interesting to me. But I wasn’t going to do anything about it. Build your site according to the W3C web standards, employ a good web designer to ensure your site works with the quirks of the major browsers, and every few months glance at the overall market share of browsers.
  7. Any other stats overlooked here.

Setting Up and Securing Your Webstats

In your hosting account, you likely have access to your stats page. It’ll be called webstats or the name of one of the software packages listed above. A few questions to ask are:

  • Is your stats page secure or can anyone with the URL for it see it? This is important. Copy the URL of your stats page, log out, then paste the URL into the address bar of your web browser. Can you see the stats page? If so, it’s not secure and anyone can see it. You want it to be secure. Get in touch with your hosting company and tell them you want it secured. If they balk at this or try to charge you money for it, change hosting companies.
  • Is your own activity tracked in your stats package? You probably visit your own website. Is your webstats package adding you or your company’s activity to its numbers? Ask your hosting provider. Or, look for a page that only gets accessed when you’re logged in. If one of these pages shows up in your stats as getting activity, then you are skewing your own stats. This could mean very little, if you have strong traffic volume, or it could mean a lot. Contact your hosting provider and ask them how to remove your own activity from your stats. There are ways to do this, such as not including the traffic of a specific IP address, so be persistent and get them working for you.
  • Do you get your webstats on a regular basis? Are they run automatically? You should be able to answer “yes” to both of these questions. You also want to get your webstats on as regular a basis as possible. Weekly is good, daily is better.
  • Never let your ISP or host throw away your webstats. Historical data are important and data storage is cheap. If they insist on removing your historical webstats, tell them you still want the data and ask them to export them to a file for you to keep.

Trends to Watch: How Your Webstats Relate to Your Efforts

Here is a first-draft list of things to watch for in your stats:

  • Month-over-month trends for meaningful metrics (or week-over-week if you get weekly stats).
  • Spike activity in unique visitors, visits, and bandwidth. The good scenario is when this correlates with a link to your site from an external site with lots of traffic. You’ve been found, deemed worthy of attention, and linked to. Watch your referrers to see where the traffic is coming from. The less-good scenario is when a spike correlates to poached content (other sites using your images to serve on their pages) or some kind of scraping of content (other sites literally copying and pasting your content onto their own site).
  • Search keyword phrases: These will tell you what terms people are using to find your site in search engines. Some search keyword phrases will come as no surprise if you’ve built your site correctly, but others will be completely unexpected. This is both the pleasure and frustration of working on the web - getting found for what you offer and getting found completely randomly for something you never considered being found for. Search keyword phrases are leading indicators of areas of opportunity for your site.
  • Referrers: Since referrers are the websites that are sending you traffic, of course you’re going to want to pay attention to them. Who are they? What made them link to you? Can you find how they linked to you? Go to their website and get in touch with them. The web is made of people. Web people love to get a “thank you for linking to me” email.
  • Most popular entry pages: These are the pages people have bookmarked or linked to. Why? Are you an authority or resource for something you never intended to be? Sleuth around a little and find out why people are coming to that page of your site.
  • Overall number of visitors: Unless you have large enough numbers - like in the hundreds or thousands - for the Meaningful Webstats listed above, don’t sweat changes in your overall numbers too much. Watch them, but don’t obsess. Small numbers are often statistically unreliable. Ignore the percentages of change until you have large enough numbers for them to mean something.

So that’s it. What do you think? Many of you out there have great knowledge of webstats packages, far more than I have. Feel free to take this quick guide and use it to educate others - just give me some credit for starting the snowball rolling!

If you have anything to add or ask, please do so. Together we’re much stronger than any of us alone or on islands. The web is about links and connecting information. Add a comment, send me an email or post on your own site and link to this post to continue the conversation.

Webstats software

Anti Spam at the Enterprise Level

"anti spam appliance" Anti Spam at the Enterprise Level

Every one of us knows how spam impacts us. Every day we either get a ton of spam - or if we're fairly well protected by spam filters - only a few pieces.

Like a large number of people, I don't use any spam filters. Ah. You think I'm insane. But wait. My problem is that I get a lot of email from marketing types which I want to receive. And the spam filtering software is not very sensitive to my needs. Even white-listing doesn't always work. So, I prefer to get all that spam and just delete it.

Now this solution can work for me despite the time it takes to delete my daily overdose of spam. However, at the enterprise level, it's a whole different story. If you have a relatively large internal network with even a modest number of email users, you're looking at a major problem. And the more users you have, the worse the problem is.

Sure, you can put up software on the mail server. Works, kind of. But pretty soon you may find you need to upgrade the mail server. And that's after you already put it on a stand-alone machine.

anti spam appliance

Rather than continuing to buy ever more expensive software to run on a machine that keeps needing to be upgraded, you might want to think about a dedicated anti spam appliance.

To give you some idea of what's possible let's take a look at Barracuda Networks dedicated anti spam appliance. All you need to do is put this baby in front of your mail server. I say baby, advisedly because this one will learn by doing and by training provided by your users.

Dean Drako, CEO of Barracuda Networks said, "Bayesian filtering is still one of the most accurate defenses against spam. The new plug-ins allow users to directly train the Bayesian filter, making the Barracuda Spam Firewall even more accurate based on the users individual email preferences. Viruses and other threats can infect the network quickly if they are not stopped at the network edge. With Intent Analysis our customers have an advantage over these threats because the Barracuda Spam Firewall is able to block them real time. Consequently we have consistently been a first responder when some of the most malicious virus attacks have hit, saving our customers from potentially devastating damage to their networks."

This is one beautiful little machine. A Barracuda Spam Firewall can support from 1,000 to 30,000 active users. It can usually be installed in less than five minutes and receives automatic hourly updates for new forms of spam and viruses. It has a 10 layer defense system beyond the use of open source anti spam and anti virus solutions: denial of service and security protection, IP block list, rate control, virus check with archive decompression, proprietary virus check, user specified rules, spam fingerprint check, Intent Analysis, spam rule-based scoring, and Bayesian analysis. Plus it also does both inbound and outbound email filtering with the inclusion of sophisticated outbound email filtering techniques (just in case you've got a spam zombie on board or somebody's got an infected PC).

However, it isn't exactly cheap. Still, when you consider the time, bandwidth, user frustration and potential hardware upgrade costs, the price may look a lot more reasonable. You can check it out at http://www.barracudanetworks.com/

If you are in the market for an anti-spam appliance, the Barracuda Spam Firewall isn't your only choice. The impact of spam on internet businesses - even those who primarily use it for just email - is so great that a simple search for "anti spam appliance" will find you a number of alternatives to examine. Even McAfee is getting into the anti spam hardware game.

I'm hoping that it won't be too long before I can pick up a Bayesian multi-level anti spam, anti virus firewall appliance for my home PC that keeps me safe and cuts my need to delete without deep-sixing the email I want or costing me more than I can afford. I suspect it's on the way.

"anti spam appliance" Anti Spam at the Enterprise Level

Every one of us knows how spam impacts us. Every day we either get a ton of spam - or if we're fairly well protected by spam filters - only a few pieces.

Like a large number of people, I don't use any spam filters. Ah. You think I'm insane. But wait. My problem is that I get a lot of email from marketing types which I want to receive. And the spam filtering software is not very sensitive to my needs. Even white-listing doesn't always work. So, I prefer to get all that spam and just delete it.

Now this solution can work for me despite the time it takes to delete my daily overdose of spam. However, at the enterprise level, it's a whole different story. If you have a relatively large internal network with even a modest number of email users, you're looking at a major problem. And the more users you have, the worse the problem is.

Sure, you can put up software on the mail server. Works, kind of. But pretty soon you may find you need to upgrade the mail server. And that's after you already put it on a stand-alone machine.

anti spam appliance

Rather than continuing to buy ever more expensive software to run on a machine that keeps needing to be upgraded, you might want to think about a dedicated anti spam appliance.

To give you some idea of what's possible let's take a look at Barracuda Networks dedicated anti spam appliance. All you need to do is put this baby in front of your mail server. I say baby, advisedly because this one will learn by doing and by training provided by your users.

Dean Drako, CEO of Barracuda Networks said, "Bayesian filtering is still one of the most accurate defenses against spam. The new plug-ins allow users to directly train the Bayesian filter, making the Barracuda Spam Firewall even more accurate based on the users individual email preferences. Viruses and other threats can infect the network quickly if they are not stopped at the network edge. With Intent Analysis our customers have an advantage over these threats because the Barracuda Spam Firewall is able to block them real time. Consequently we have consistently been a first responder when some of the most malicious virus attacks have hit, saving our customers from potentially devastating damage to their networks."

This is one beautiful little machine. A Barracuda Spam Firewall can support from 1,000 to 30,000 active users. It can usually be installed in less than five minutes and receives automatic hourly updates for new forms of spam and viruses. It has a 10 layer defense system beyond the use of open source anti spam and anti virus solutions: denial of service and security protection, IP block list, rate control, virus check with archive decompression, proprietary virus check, user specified rules, spam fingerprint check, Intent Analysis, spam rule-based scoring, and Bayesian analysis. Plus it also does both inbound and outbound email filtering with the inclusion of sophisticated outbound email filtering techniques (just in case you've got a spam zombie on board or somebody's got an infected PC).

However, it isn't exactly cheap. Still, when you consider the time, bandwidth, user frustration and potential hardware upgrade costs, the price may look a lot more reasonable. You can check it out at http://www.barracudanetworks.com/

If you are in the market for an anti-spam appliance, the Barracuda Spam Firewall isn't your only choice. The impact of spam on internet businesses - even those who primarily use it for just email - is so great that a simple search for "anti spam appliance" will find you a number of alternatives to examine. Even McAfee is getting into the anti spam hardware game.

I'm hoping that it won't be too long before I can pick up a Bayesian multi-level anti spam, anti virus firewall appliance for my home PC that keeps me safe and cuts my need to delete without deep-sixing the email I want or costing me more than I can afford. I suspect it's on the way.

"anti spam appliance" Anti Spam at the Enterprise Level

Every one of us knows how spam impacts us. Every day we either get a ton of spam - or if we're fairly well protected by spam filters - only a few pieces.

Like a large number of people, I don't use any spam filters. Ah. You think I'm insane. But wait. My problem is that I get a lot of email from marketing types which I want to receive. And the spam filtering software is not very sensitive to my needs. Even white-listing doesn't always work. So, I prefer to get all that spam and just delete it.

Now this solution can work for me despite the time it takes to delete my daily overdose of spam. However, at the enterprise level, it's a whole different story. If you have a relatively large internal network with even a modest number of email users, you're looking at a major problem. And the more users you have, the worse the problem is.

Sure, you can put up software on the mail server. Works, kind of. But pretty soon you may find you need to upgrade the mail server. And that's after you already put it on a stand-alone machine.

anti spam appliance

Rather than continuing to buy ever more expensive software to run on a machine that keeps needing to be upgraded, you might want to think about a dedicated anti spam appliance.

To give you some idea of what's possible let's take a look at Barracuda Networks dedicated anti spam appliance. All you need to do is put this baby in front of your mail server. I say baby, advisedly because this one will learn by doing and by training provided by your users.

Dean Drako, CEO of Barracuda Networks said, "Bayesian filtering is still one of the most accurate defenses against spam. The new plug-ins allow users to directly train the Bayesian filter, making the Barracuda Spam Firewall even more accurate based on the users individual email preferences. Viruses and other threats can infect the network quickly if they are not stopped at the network edge. With Intent Analysis our customers have an advantage over these threats because the Barracuda Spam Firewall is able to block them real time. Consequently we have consistently been a first responder when some of the most malicious virus attacks have hit, saving our customers from potentially devastating damage to their networks."

This is one beautiful little machine. A Barracuda Spam Firewall can support from 1,000 to 30,000 active users. It can usually be installed in less than five minutes and receives automatic hourly updates for new forms of spam and viruses. It has a 10 layer defense system beyond the use of open source anti spam and anti virus solutions: denial of service and security protection, IP block list, rate control, virus check with archive decompression, proprietary virus check, user specified rules, spam fingerprint check, Intent Analysis, spam rule-based scoring, and Bayesian analysis. Plus it also does both inbound and outbound email filtering with the inclusion of sophisticated outbound email filtering techniques (just in case you've got a spam zombie on board or somebody's got an infected PC).

However, it isn't exactly cheap. Still, when you consider the time, bandwidth, user frustration and potential hardware upgrade costs, the price may look a lot more reasonable. You can check it out at http://www.barracudanetworks.com/

If you are in the market for an anti-spam appliance, the Barracuda Spam Firewall isn't your only choice. The impact of spam on internet businesses - even those who primarily use it for just email - is so great that a simple search for "anti spam appliance" will find you a number of alternatives to examine. Even McAfee is getting into the anti spam hardware game.

I'm hoping that it won't be too long before I can pick up a Bayesian multi-level anti spam, anti virus firewall appliance for my home PC that keeps me safe and cuts my need to delete without deep-sixing the email I want or costing me more than I can afford. I suspect it's on the way.

Credit Card Fraud - Credit Card Scam

Credit Cards are a convenient payment method, although they do carry risks. Fraud with the use of stolen credit cards is committed for the purpose of obtaining goods without paying, to obtain unauthorized funds from a bank account or to sell stolen information further. Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of credit and charge card fraud, it is not the only way fraud occurs. A more subtle form of fraud is misappropriation. The use of your card number (not the card itself) without your permission. Misappropriation may occur in a variety of ways. Examples are:

  • A phone caller says that you need only provide your card number and its expiration date to qualify for a special discount vacation
  • A thief rifles through trash to find discarded receipts or carbons to use the card numbers illegally
  • A dishonest clerk makes an extra imprint from your credit or charge card for his or her personal use

Fraudulent credit card information or credit cards themselves are usually obtained through:

  • Fake Web Sites
  • Theft
  • Pick Pocketing
  • Phishing
  • Credit Card Swapping at ATM Machines
  • Skimming

By being aware of the risks involved, knowing the types of credit card fraud and by following below guidelines you can protect yourself from credit card fraud:

  • Destroy your expired cards
  • Immediately sign new cards
  • Don’t keep your PIN in your wallet
  • Treat credit cards as if they were real money
  • Lost or stolen cards should be reported immediately
  • Be cautious when giving information to websites or unknown individuals
  • Verify transactions on your statement with your receipts
  • Keep an eye on the credit card when making transactions in shops
  • Don’t sign a blank credit card receipt
  • Don’t borrow your cards - if a friend wants to buy something on the internet and needs a credit card, be with him when doing a transaction or you do the transaction for him (he might become a victim of credit card fraud, due to lack of knowledge).
  • It doesn’t matter whether or not their website is encrypted. Encryption means that your data is secure between your computer and the merchant, not between your computer and the credit card processor. The merchant will have your card number regardless.If you’re buying from an unfamiliar or likely untrustworthy store, consider using a temporary/virtual card number that card companies like Citibank provide.

SECURITY TIPS FOR MERCHANTS

Watch out for suspicious behavior of your customers. Some characteristics are in common with fraudulent transactions, although none of this can be an actual proof of fraud it still remains a good measure of identifying suspicious behavior. This type of fraud can eat up your profits so watch out when a customer:

  • Buys a priced item on a new credit card
  • Purchases large amounts of expensive items and doesn’t seem to care for other amounts that can occur during the transaction (delivery, packaging…)
  • Making small purchases to stay under the floor limit
  • Asks what the floor limit is
  • Making random purchases with no regard size, price or quality
  • Takes the credit card out of his pocket instead of a wallet
  • Awkwardly or slowly signs the receipt
  • If asked, can not provide a photo ID
  • Validation date expired
  • Credit card seems counterfeited or information altered
  • Receipt signature differs from the one on the card

COMMON TYPES OF CREDIT CARD FRAUD

What are the common types of credit card fraud? Counterfeit Credit Cards, Account Take Over and Skimming. We are going to look at each one and describe it.

Account Take-Over

Obtaining personal information for a thief is just about the same as if he found a gold mine. If such occurs, the thief does not even need your credit card to empty your bank account. He phones your credit card company and changes your address information. Your current credit card will be reported stolen by him and he will request a new to be issued or he will order a second credit card on his name, pretending he is YOU, the authorized credit card holder, on the phone. This card will then be sent to the address which he changed before or he will obtain instructions where to collect it. Your statements also will be sent to this new address, making you unaware of the fraud. If you don’t get statements on a monthly basis at about the same day, you should contact your financial institution and check your records on file. Ask for address change or if any information has been changed without your direct approval.

A thief can also steal your new credit card when it still is in your postal box or anywhere on the way between the bank and you. This can be an organized crime scenario involving assistants, such as a postman who intercepts your mail before it is delivered to your address. A fraudster may even get a hold of information when credit cards are issued to a particular address, waits near your mailbox and takes your post. So if you get a notification about an important delivery, collect it as soon as possible, because the longer you wait, the bigger the chance for a fraudster to intercept it.

Counterfeit Credit Cards

Counterfeit or altered credit cards is in short, duplicating legitimate credit cards which are then used for fraudulent activities. Latest technology is used in accordance with lamination and embossing to create realistic looking credit cards. To the untrained eye these will appear real and you will not be able to recognize the difference, since a complete hologram as well as the magnetic strip is included in the fake credit card. How to identify such will be explained a little bit later, below.

Card Not Present

Obtaining credit card and personal information for unauthorized usage of such information for fraudulent activities over the internet, phone or mail.

Credit Card Skimming

Electronic card reader, Skimmer, is used in stores legitimately when processing a transaction. However in the hands of a thief such a tool can be used to gather information for later usage in criminal activities. Usually a small electronic device is plugged into the real electronic reader and now gathering information of everyone who purchased at the store or done a money request at the ATM machine. Or a portable skimmer is used to quickly swipe your card through the magnetic reader while you are not looking. Such information will be used for later unauthorized purchases or making of a new counterfeit credit card. Usually done in restaurants or similiar institutions where you usually temporary lose sight of your credit card.

Security Features On A Credit Card

In this example we will use a mastercard. Visa’s security features are very similiar and those features that do differ will be explained. A Credit Card usually has 16 (some visa’s have 13) numbers embossed on their front, and every card has a BIN code. The BIN CODE is the first 6 digits of a credit card:

  • The first 4 digits stay for the country and credit card company
  • The 5th digit stays for the credit card type (debit card, gift card, credit card)
  • The 6th digits reveals if the card is a partnercard, secondcard, company card…
  • The remaining digits stay for the account number, with the last character being the check-digit

Credit Card Embossing:

  • MASTERCARD - The first of the 16 digits is a 5. VISA - the first of 13 OR 16 digits is a 4
  • MASTERCARD AND VISA - First four digits will be printed below OR above the embossed number
  • MASTERCARD - Usually a MC character will be embossed next to the expiry date. VISA - “V”,”CV”,”BV”,”PV” characters will appear next to the expiry date
  • MASTERCARD AND VISA - Embossed characters should be in alignment, same size, height and style

If you see ghost images of other numbers behind the embossed it means that those have been altered. If those have been altered there is a big chance that the hologram (the shiny image which changes colors if you move it) will be damaged. Also check if the expiry date has been altered.

Credit Card Signature:

  • MASTERCARD - A repeated colored “mastercard” name should appear on all signature panels. VISA - Same scenario, but with the name “Visa”
  • MASTERCARD AND VISA - A changed or altered signature panel can be glued, painted, discoloured, erased or covered with white tape
  • MASTERCARD AND VISA - Credit card signature should compare to the one on the sales receipt
  • MASTERCARD AND VISA - Signature panel will have a partial account number followed by a three digit validation code (CVV)

REFERENCE(s)

Fraud Investigator

Credit Cards are a convenient payment method, although they do carry risks. Fraud with the use of stolen credit cards is committed for the purpose of obtaining goods without paying, to obtain unauthorized funds from a bank account or to sell stolen information further. Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of credit and charge card fraud, it is not the only way fraud occurs. A more subtle form of fraud is misappropriation. The use of your card number (not the card itself) without your permission. Misappropriation may occur in a variety of ways. Examples are:

  • A phone caller says that you need only provide your card number and its expiration date to qualify for a special discount vacation
  • A thief rifles through trash to find discarded receipts or carbons to use the card numbers illegally
  • A dishonest clerk makes an extra imprint from your credit or charge card for his or her personal use

Fraudulent credit card information or credit cards themselves are usually obtained through:

  • Fake Web Sites
  • Theft
  • Pick Pocketing
  • Phishing
  • Credit Card Swapping at ATM Machines
  • Skimming

By being aware of the risks involved, knowing the types of credit card fraud and by following below guidelines you can protect yourself from credit card fraud:

  • Destroy your expired cards
  • Immediately sign new cards
  • Don’t keep your PIN in your wallet
  • Treat credit cards as if they were real money
  • Lost or stolen cards should be reported immediately
  • Be cautious when giving information to websites or unknown individuals
  • Verify transactions on your statement with your receipts
  • Keep an eye on the credit card when making transactions in shops
  • Don’t sign a blank credit card receipt
  • Don’t borrow your cards - if a friend wants to buy something on the internet and needs a credit card, be with him when doing a transaction or you do the transaction for him (he might become a victim of credit card fraud, due to lack of knowledge).
  • It doesn’t matter whether or not their website is encrypted. Encryption means that your data is secure between your computer and the merchant, not between your computer and the credit card processor. The merchant will have your card number regardless.If you’re buying from an unfamiliar or likely untrustworthy store, consider using a temporary/virtual card number that card companies like Citibank provide.

SECURITY TIPS FOR MERCHANTS

Watch out for suspicious behavior of your customers. Some characteristics are in common with fraudulent transactions, although none of this can be an actual proof of fraud it still remains a good measure of identifying suspicious behavior. This type of fraud can eat up your profits so watch out when a customer:

  • Buys a priced item on a new credit card
  • Purchases large amounts of expensive items and doesn’t seem to care for other amounts that can occur during the transaction (delivery, packaging…)
  • Making small purchases to stay under the floor limit
  • Asks what the floor limit is
  • Making random purchases with no regard size, price or quality
  • Takes the credit card out of his pocket instead of a wallet
  • Awkwardly or slowly signs the receipt
  • If asked, can not provide a photo ID
  • Validation date expired
  • Credit card seems counterfeited or information altered
  • Receipt signature differs from the one on the card

COMMON TYPES OF CREDIT CARD FRAUD

What are the common types of credit card fraud? Counterfeit Credit Cards, Account Take Over and Skimming. We are going to look at each one and describe it.

Account Take-Over

Obtaining personal information for a thief is just about the same as if he found a gold mine. If such occurs, the thief does not even need your credit card to empty your bank account. He phones your credit card company and changes your address information. Your current credit card will be reported stolen by him and he will request a new to be issued or he will order a second credit card on his name, pretending he is YOU, the authorized credit card holder, on the phone. This card will then be sent to the address which he changed before or he will obtain instructions where to collect it. Your statements also will be sent to this new address, making you unaware of the fraud. If you don’t get statements on a monthly basis at about the same day, you should contact your financial institution and check your records on file. Ask for address change or if any information has been changed without your direct approval.

A thief can also steal your new credit card when it still is in your postal box or anywhere on the way between the bank and you. This can be an organized crime scenario involving assistants, such as a postman who intercepts your mail before it is delivered to your address. A fraudster may even get a hold of information when credit cards are issued to a particular address, waits near your mailbox and takes your post. So if you get a notification about an important delivery, collect it as soon as possible, because the longer you wait, the bigger the chance for a fraudster to intercept it.

Counterfeit Credit Cards

Counterfeit or altered credit cards is in short, duplicating legitimate credit cards which are then used for fraudulent activities. Latest technology is used in accordance with lamination and embossing to create realistic looking credit cards. To the untrained eye these will appear real and you will not be able to recognize the difference, since a complete hologram as well as the magnetic strip is included in the fake credit card. How to identify such will be explained a little bit later, below.

Card Not Present

Obtaining credit card and personal information for unauthorized usage of such information for fraudulent activities over the internet, phone or mail.

Credit Card Skimming

Electronic card reader, Skimmer, is used in stores legitimately when processing a transaction. However in the hands of a thief such a tool can be used to gather information for later usage in criminal activities. Usually a small electronic device is plugged into the real electronic reader and now gathering information of everyone who purchased at the store or done a money request at the ATM machine. Or a portable skimmer is used to quickly swipe your card through the magnetic reader while you are not looking. Such information will be used for later unauthorized purchases or making of a new counterfeit credit card. Usually done in restaurants or similiar institutions where you usually temporary lose sight of your credit card.

Security Features On A Credit Card

In this example we will use a mastercard. Visa’s security features are very similiar and those features that do differ will be explained. A Credit Card usually has 16 (some visa’s have 13) numbers embossed on their front, and every card has a BIN code. The BIN CODE is the first 6 digits of a credit card:

  • The first 4 digits stay for the country and credit card company
  • The 5th digit stays for the credit card type (debit card, gift card, credit card)
  • The 6th digits reveals if the card is a partnercard, secondcard, company card…
  • The remaining digits stay for the account number, with the last character being the check-digit

Credit Card Embossing:

  • MASTERCARD - The first of the 16 digits is a 5. VISA - the first of 13 OR 16 digits is a 4
  • MASTERCARD AND VISA - First four digits will be printed below OR above the embossed number
  • MASTERCARD - Usually a MC character will be embossed next to the expiry date. VISA - “V”,”CV”,”BV”,”PV” characters will appear next to the expiry date
  • MASTERCARD AND VISA - Embossed characters should be in alignment, same size, height and style

If you see ghost images of other numbers behind the embossed it means that those have been altered. If those have been altered there is a big chance that the hologram (the shiny image which changes colors if you move it) will be damaged. Also check if the expiry date has been altered.

Credit Card Signature:

  • MASTERCARD - A repeated colored “mastercard” name should appear on all signature panels. VISA - Same scenario, but with the name “Visa”
  • MASTERCARD AND VISA - A changed or altered signature panel can be glued, painted, discoloured, erased or covered with white tape
  • MASTERCARD AND VISA - Credit card signature should compare to the one on the sales receipt
  • MASTERCARD AND VISA - Signature panel will have a partial account number followed by a three digit validation code (CVV)

REFERENCE(s)

Fraud Investigator

Credit Cards are a convenient payment method, although they do carry risks. Fraud with the use of stolen credit cards is committed for the purpose of obtaining goods without paying, to obtain unauthorized funds from a bank account or to sell stolen information further. Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of credit and charge card fraud, it is not the only way fraud occurs. A more subtle form of fraud is misappropriation. The use of your card number (not the card itself) without your permission. Misappropriation may occur in a variety of ways. Examples are:

  • A phone caller says that you need only provide your card number and its expiration date to qualify for a special discount vacation
  • A thief rifles through trash to find discarded receipts or carbons to use the card numbers illegally
  • A dishonest clerk makes an extra imprint from your credit or charge card for his or her personal use

Fraudulent credit card information or credit cards themselves are usually obtained through:

  • Fake Web Sites
  • Theft
  • Pick Pocketing
  • Phishing
  • Credit Card Swapping at ATM Machines
  • Skimming

By being aware of the risks involved, knowing the types of credit card fraud and by following below guidelines you can protect yourself from credit card fraud:

  • Destroy your expired cards
  • Immediately sign new cards
  • Don’t keep your PIN in your wallet
  • Treat credit cards as if they were real money
  • Lost or stolen cards should be reported immediately
  • Be cautious when giving information to websites or unknown individuals
  • Verify transactions on your statement with your receipts
  • Keep an eye on the credit card when making transactions in shops
  • Don’t sign a blank credit card receipt
  • Don’t borrow your cards - if a friend wants to buy something on the internet and needs a credit card, be with him when doing a transaction or you do the transaction for him (he might become a victim of credit card fraud, due to lack of knowledge).
  • It doesn’t matter whether or not their website is encrypted. Encryption means that your data is secure between your computer and the merchant, not between your computer and the credit card processor. The merchant will have your card number regardless.If you’re buying from an unfamiliar or likely untrustworthy store, consider using a temporary/virtual card number that card companies like Citibank provide.

SECURITY TIPS FOR MERCHANTS

Watch out for suspicious behavior of your customers. Some characteristics are in common with fraudulent transactions, although none of this can be an actual proof of fraud it still remains a good measure of identifying suspicious behavior. This type of fraud can eat up your profits so watch out when a customer:

  • Buys a priced item on a new credit card
  • Purchases large amounts of expensive items and doesn’t seem to care for other amounts that can occur during the transaction (delivery, packaging…)
  • Making small purchases to stay under the floor limit
  • Asks what the floor limit is
  • Making random purchases with no regard size, price or quality
  • Takes the credit card out of his pocket instead of a wallet
  • Awkwardly or slowly signs the receipt
  • If asked, can not provide a photo ID
  • Validation date expired
  • Credit card seems counterfeited or information altered
  • Receipt signature differs from the one on the card

COMMON TYPES OF CREDIT CARD FRAUD

What are the common types of credit card fraud? Counterfeit Credit Cards, Account Take Over and Skimming. We are going to look at each one and describe it.

Account Take-Over

Obtaining personal information for a thief is just about the same as if he found a gold mine. If such occurs, the thief does not even need your credit card to empty your bank account. He phones your credit card company and changes your address information. Your current credit card will be reported stolen by him and he will request a new to be issued or he will order a second credit card on his name, pretending he is YOU, the authorized credit card holder, on the phone. This card will then be sent to the address which he changed before or he will obtain instructions where to collect it. Your statements also will be sent to this new address, making you unaware of the fraud. If you don’t get statements on a monthly basis at about the same day, you should contact your financial institution and check your records on file. Ask for address change or if any information has been changed without your direct approval.

A thief can also steal your new credit card when it still is in your postal box or anywhere on the way between the bank and you. This can be an organized crime scenario involving assistants, such as a postman who intercepts your mail before it is delivered to your address. A fraudster may even get a hold of information when credit cards are issued to a particular address, waits near your mailbox and takes your post. So if you get a notification about an important delivery, collect it as soon as possible, because the longer you wait, the bigger the chance for a fraudster to intercept it.

Counterfeit Credit Cards

Counterfeit or altered credit cards is in short, duplicating legitimate credit cards which are then used for fraudulent activities. Latest technology is used in accordance with lamination and embossing to create realistic looking credit cards. To the untrained eye these will appear real and you will not be able to recognize the difference, since a complete hologram as well as the magnetic strip is included in the fake credit card. How to identify such will be explained a little bit later, below.

Card Not Present

Obtaining credit card and personal information for unauthorized usage of such information for fraudulent activities over the internet, phone or mail.

Credit Card Skimming

Electronic card reader, Skimmer, is used in stores legitimately when processing a transaction. However in the hands of a thief such a tool can be used to gather information for later usage in criminal activities. Usually a small electronic device is plugged into the real electronic reader and now gathering information of everyone who purchased at the store or done a money request at the ATM machine. Or a portable skimmer is used to quickly swipe your card through the magnetic reader while you are not looking. Such information will be used for later unauthorized purchases or making of a new counterfeit credit card. Usually done in restaurants or similiar institutions where you usually temporary lose sight of your credit card.

Security Features On A Credit Card

In this example we will use a mastercard. Visa’s security features are very similiar and those features that do differ will be explained. A Credit Card usually has 16 (some visa’s have 13) numbers embossed on their front, and every card has a BIN code. The BIN CODE is the first 6 digits of a credit card:

  • The first 4 digits stay for the country and credit card company
  • The 5th digit stays for the credit card type (debit card, gift card, credit card)
  • The 6th digits reveals if the card is a partnercard, secondcard, company card…
  • The remaining digits stay for the account number, with the last character being the check-digit

Credit Card Embossing:

  • MASTERCARD - The first of the 16 digits is a 5. VISA - the first of 13 OR 16 digits is a 4
  • MASTERCARD AND VISA - First four digits will be printed below OR above the embossed number
  • MASTERCARD - Usually a MC character will be embossed next to the expiry date. VISA - “V”,”CV”,”BV”,”PV” characters will appear next to the expiry date
  • MASTERCARD AND VISA - Embossed characters should be in alignment, same size, height and style

If you see ghost images of other numbers behind the embossed it means that those have been altered. If those have been altered there is a big chance that the hologram (the shiny image which changes colors if you move it) will be damaged. Also check if the expiry date has been altered.

Credit Card Signature:

  • MASTERCARD - A repeated colored “mastercard” name should appear on all signature panels. VISA - Same scenario, but with the name “Visa”
  • MASTERCARD AND VISA - A changed or altered signature panel can be glued, painted, discoloured, erased or covered with white tape
  • MASTERCARD AND VISA - Credit card signature should compare to the one on the sales receipt
  • MASTERCARD AND VISA - Signature panel will have a partial account number followed by a three digit validation code (CVV)

REFERENCE(s)

Fraud Investigator

Tuesday, November 11, 2008

Conclusion du parfum droit

Conclusion du parfum droit

Si tu recherches le parfum, si tu es une femme recherchant un parfum de signature, ou un type achetant le cadeau de l'anniversaire de sa maman, tu devras savoir faire des emplettes pour eux.Savoir les manières au circumnavigate autour du monde fou des odeurs dehors là est important en t'obtenant l'arome exact que tu veus et n'ayant aucun regret au sujet de l'acheter.

Je suis sûr que certains, la plupart du temps types, n'auront aucune idée où commencer même quand entrant dans le magasin de parfum.Ainsi, dans leur intéret, voici quelques bouts qui peuvent aider :

1) les premiers, ont une idée de quel genre de parfum tu veus.Cela dépend de la personne qu'il est pour.Si tu es un homme, tu voudras une odeur masculine rugueuse et si tu es une femme, tu voudras plus léger et attrayant.Si tu veus être noté, tu voudras un parfum fort-sentant.Tu peus même obtenir des échantillons des magasins pour l'inspiration.Si tu es totalement coincé, demander l'aide et la trouvaille une d'un ami qui n'a aucun problème être honnête avec toi.

2) prochain, tu devras trouver le meilleur parfum compare les prix.Votre meilleur pari est des centres commerciaux.Cependant, si tu es sur un budget plus serré, tu peus toujours acheter des hypermarchés et des semblables.Il n'y a également aucun mal dans les boutiques de spécialités entrantes où ils font leurs propres parfums.Tu ne dois pas toujours opter pour les grandes marques.

3) quand au magasin de parfum, demander l'aide de l'aide.Expliquer à eux la situation, si tu recherches le parfum pour vous-même, ou pour quelqu'un d'autre.S'il est pour quelqu'un d'autre, est il pour un homme ou une femme ?Pour quel genre de personne est il ?Ce sont probablement les questions qu'elles te demanderont qu'et il est le meilleur pour avoir les réponses prêtes.

4) essayent beaucoup de parfums avant que tu décides.Ils peuvent tout sentir gentils, mais essayent de les évaluer sur différents aspects, tels que la force de l'odeur, la couleur, la bouteille et naturellement, le prix.Une fois que tu es satisfait de votre choix, acheter la petite bouteille.De cette façon, tu ne gaspillerais pas tellement l'argent si tu regrettes votre choix.

Ils disent que l'odeur que tu exsudes dépeint votre personnalité.Sur cette note, tu devrais trouver un parfum qui montre des personnes de votre nature et individu vrais.

Conclusion du parfum droit

Si tu recherches le parfum, si tu es une femme recherchant un parfum de signature, ou un type achetant le cadeau de l'anniversaire de sa maman, tu devras savoir faire des emplettes pour eux.Savoir les manières au circumnavigate autour du monde fou des odeurs dehors là est important en t'obtenant l'arome exact que tu veus et n'ayant aucun regret au sujet de l'acheter.

Je suis sûr que certains, la plupart du temps types, n'auront aucune idée où commencer même quand entrant dans le magasin de parfum.Ainsi, dans leur intéret, voici quelques bouts qui peuvent aider :

1) les premiers, ont une idée de quel genre de parfum tu veus.Cela dépend de la personne qu'il est pour.Si tu es un homme, tu voudras une odeur masculine rugueuse et si tu es une femme, tu voudras plus léger et attrayant.Si tu veus être noté, tu voudras un parfum fort-sentant.Tu peus même obtenir des échantillons des magasins pour l'inspiration.Si tu es totalement coincé, demander l'aide et la trouvaille une d'un ami qui n'a aucun problème être honnête avec toi.

2) prochain, tu devras trouver le meilleur parfum compare les prix.Votre meilleur pari est des centres commerciaux.Cependant, si tu es sur un budget plus serré, tu peus toujours acheter des hypermarchés et des semblables.Il n'y a également aucun mal dans les boutiques de spécialités entrantes où ils font leurs propres parfums.Tu ne dois pas toujours opter pour les grandes marques.

3) quand au magasin de parfum, demander l'aide de l'aide.Expliquer à eux la situation, si tu recherches le parfum pour vous-même, ou pour quelqu'un d'autre.S'il est pour quelqu'un d'autre, est il pour un homme ou une femme ?Pour quel genre de personne est il ?Ce sont probablement les questions qu'elles te demanderont qu'et il est le meilleur pour avoir les réponses prêtes.

4) essayent beaucoup de parfums avant que tu décides.Ils peuvent tout sentir gentils, mais essayent de les évaluer sur différents aspects, tels que la force de l'odeur, la couleur, la bouteille et naturellement, le prix.Une fois que tu es satisfait de votre choix, acheter la petite bouteille.De cette façon, tu ne gaspillerais pas tellement l'argent si tu regrettes votre choix.

Ils disent que l'odeur que tu exsudes dépeint votre personnalité.Sur cette note, tu devrais trouver un parfum qui montre des personnes de votre nature et individu vrais.

Conclusion du parfum droit

Si tu recherches le parfum, si tu es une femme recherchant un parfum de signature, ou un type achetant le cadeau de l'anniversaire de sa maman, tu devras savoir faire des emplettes pour eux.Savoir les manières au circumnavigate autour du monde fou des odeurs dehors là est important en t'obtenant l'arome exact que tu veus et n'ayant aucun regret au sujet de l'acheter.

Je suis sûr que certains, la plupart du temps types, n'auront aucune idée où commencer même quand entrant dans le magasin de parfum.Ainsi, dans leur intéret, voici quelques bouts qui peuvent aider :

1) les premiers, ont une idée de quel genre de parfum tu veus.Cela dépend de la personne qu'il est pour.Si tu es un homme, tu voudras une odeur masculine rugueuse et si tu es une femme, tu voudras plus léger et attrayant.Si tu veus être noté, tu voudras un parfum fort-sentant.Tu peus même obtenir des échantillons des magasins pour l'inspiration.Si tu es totalement coincé, demander l'aide et la trouvaille une d'un ami qui n'a aucun problème être honnête avec toi.

2) prochain, tu devras trouver le meilleur parfum compare les prix.Votre meilleur pari est des centres commerciaux.Cependant, si tu es sur un budget plus serré, tu peus toujours acheter des hypermarchés et des semblables.Il n'y a également aucun mal dans les boutiques de spécialités entrantes où ils font leurs propres parfums.Tu ne dois pas toujours opter pour les grandes marques.

3) quand au magasin de parfum, demander l'aide de l'aide.Expliquer à eux la situation, si tu recherches le parfum pour vous-même, ou pour quelqu'un d'autre.S'il est pour quelqu'un d'autre, est il pour un homme ou une femme ?Pour quel genre de personne est il ?Ce sont probablement les questions qu'elles te demanderont qu'et il est le meilleur pour avoir les réponses prêtes.

4) essayent beaucoup de parfums avant que tu décides.Ils peuvent tout sentir gentils, mais essayent de les évaluer sur différents aspects, tels que la force de l'odeur, la couleur, la bouteille et naturellement, le prix.Une fois que tu es satisfait de votre choix, acheter la petite bouteille.De cette façon, tu ne gaspillerais pas tellement l'argent si tu regrettes votre choix.

Ils disent que l'odeur que tu exsudes dépeint votre personnalité.Sur cette note, tu devrais trouver un parfum qui montre des personnes de votre nature et individu vrais.

Parfum Ou Cologne ?

Parfum Ou Cologne ?

Sembler bon a toujours été a doit pour chacun, particulièrement pour le sexe plus juste.Aller voir attrayant aura beaucoup d'avantages, comme obtenir des promotions du travail et élargir votre cercle social.Mais, ce qui beaucoup de gens tendent à oublier qu'elles ne pourraient pas sentir cela gentil.Tu pourrais être habillé pour tuer, mais peus également puer pour tuer aussi.

Beaucoup de gens ont différentes solutions au problème de l'odeur de corps (B.O).Certains appliquent le désodorisant supplémentaire avant de sortir.La logique à celle est que s'il n'y a aucune sueur, là n'est aucune odeur.Cette méthode fonctionne réellement, particulièrement pour les personnes qui sont contenu juste avec masquer leur B.O.Mais, et ceux qui veulent non seulement sentir gentils, mais vouloir également avoir un parfum de signature ?

La réponse est simple :Parfums et colognes.Ces deux ont été les amis fidèles du monde civilisé pendant des siècles.Mais, beaucoup de gens ne peuvent pas sembler les différencier.

1) le parfum est fait d'huiles essentielles avec des degrés différents de concentrations, basés sur la marque.Il est la plupart du temps fait d'eau et éthanol, les dissolvants, qui sont nécessaires pour diluer les produits chimiques.Sans eux, l'extrait d'huile pourrait nuire à la peau de l'utilisateur et même causer la mort si l'utilisateur a une réaction allergique.

Les parfums ont un plus long effet sur la peau humaine et durent normalement autour 7 à 8 heures.La force de l'odeur dépend du pourcentage d'huiles.La meilleure manière de porter le parfum est de pulvériser une brume fine dans l'air et l'a laissé t'enduire corps.Si elle fort-sent, jet juste quelques baisses à votre cou.

2) Colognes, ou UCE De Cologne, sont un autre type de parfum, mais en raison de sa popularité et unicité, elle a été classée par catégorie en tant que ses propres.Elle a normalement les huiles inférieures d'une concentration que le parfum, autour 2% à 5%.Ceci la fait perdre son parfum plus vite que le parfum, ainsi il est recommandé pour avoir une bouteille à portée de la main si tu es dehors pendant longtemps.

La meilleure manière d'appliquer Cologne est de la tamponner au fond de votre cou et sur tous les deux vos poignets.Ce sont des emplacements d'impulsion, qui dégageront réellement l'odeur à l'air environnant.

Les parfums et les colognes sont la meilleure manière de combattre B.O.Si tu partying dehors la nuit entière, il est vraiment en valeur lui pour avoir une petite bouteille de l'un ou l'autre autour avec toi.

Parfum Ou Cologne ?

Sembler bon a toujours été a doit pour chacun, particulièrement pour le sexe plus juste.Aller voir attrayant aura beaucoup d'avantages, comme obtenir des promotions du travail et élargir votre cercle social.Mais, ce qui beaucoup de gens tendent à oublier qu'elles ne pourraient pas sentir cela gentil.Tu pourrais être habillé pour tuer, mais peus également puer pour tuer aussi.

Beaucoup de gens ont différentes solutions au problème de l'odeur de corps (B.O).Certains appliquent le désodorisant supplémentaire avant de sortir.La logique à celle est que s'il n'y a aucune sueur, là n'est aucune odeur.Cette méthode fonctionne réellement, particulièrement pour les personnes qui sont contenu juste avec masquer leur B.O.Mais, et ceux qui veulent non seulement sentir gentils, mais vouloir également avoir un parfum de signature ?

La réponse est simple :Parfums et colognes.Ces deux ont été les amis fidèles du monde civilisé pendant des siècles.Mais, beaucoup de gens ne peuvent pas sembler les différencier.

1) le parfum est fait d'huiles essentielles avec des degrés différents de concentrations, basés sur la marque.Il est la plupart du temps fait d'eau et éthanol, les dissolvants, qui sont nécessaires pour diluer les produits chimiques.Sans eux, l'extrait d'huile pourrait nuire à la peau de l'utilisateur et même causer la mort si l'utilisateur a une réaction allergique.

Les parfums ont un plus long effet sur la peau humaine et durent normalement autour 7 à 8 heures.La force de l'odeur dépend du pourcentage d'huiles.La meilleure manière de porter le parfum est de pulvériser une brume fine dans l'air et l'a laissé t'enduire corps.Si elle fort-sent, jet juste quelques baisses à votre cou.

2) Colognes, ou UCE De Cologne, sont un autre type de parfum, mais en raison de sa popularité et unicité, elle a été classée par catégorie en tant que ses propres.Elle a normalement les huiles inférieures d'une concentration que le parfum, autour 2% à 5%.Ceci la fait perdre son parfum plus vite que le parfum, ainsi il est recommandé pour avoir une bouteille à portée de la main si tu es dehors pendant longtemps.

La meilleure manière d'appliquer Cologne est de la tamponner au fond de votre cou et sur tous les deux vos poignets.Ce sont des emplacements d'impulsion, qui dégageront réellement l'odeur à l'air environnant.

Les parfums et les colognes sont la meilleure manière de combattre B.O.Si tu partying dehors la nuit entière, il est vraiment en valeur lui pour avoir une petite bouteille de l'un ou l'autre autour avec toi.

Parfum Ou Cologne ?

Sembler bon a toujours été a doit pour chacun, particulièrement pour le sexe plus juste.Aller voir attrayant aura beaucoup d'avantages, comme obtenir des promotions du travail et élargir votre cercle social.Mais, ce qui beaucoup de gens tendent à oublier qu'elles ne pourraient pas sentir cela gentil.Tu pourrais être habillé pour tuer, mais peus également puer pour tuer aussi.

Beaucoup de gens ont différentes solutions au problème de l'odeur de corps (B.O).Certains appliquent le désodorisant supplémentaire avant de sortir.La logique à celle est que s'il n'y a aucune sueur, là n'est aucune odeur.Cette méthode fonctionne réellement, particulièrement pour les personnes qui sont contenu juste avec masquer leur B.O.Mais, et ceux qui veulent non seulement sentir gentils, mais vouloir également avoir un parfum de signature ?

La réponse est simple :Parfums et colognes.Ces deux ont été les amis fidèles du monde civilisé pendant des siècles.Mais, beaucoup de gens ne peuvent pas sembler les différencier.

1) le parfum est fait d'huiles essentielles avec des degrés différents de concentrations, basés sur la marque.Il est la plupart du temps fait d'eau et éthanol, les dissolvants, qui sont nécessaires pour diluer les produits chimiques.Sans eux, l'extrait d'huile pourrait nuire à la peau de l'utilisateur et même causer la mort si l'utilisateur a une réaction allergique.

Les parfums ont un plus long effet sur la peau humaine et durent normalement autour 7 à 8 heures.La force de l'odeur dépend du pourcentage d'huiles.La meilleure manière de porter le parfum est de pulvériser une brume fine dans l'air et l'a laissé t'enduire corps.Si elle fort-sent, jet juste quelques baisses à votre cou.

2) Colognes, ou UCE De Cologne, sont un autre type de parfum, mais en raison de sa popularité et unicité, elle a été classée par catégorie en tant que ses propres.Elle a normalement les huiles inférieures d'une concentration que le parfum, autour 2% à 5%.Ceci la fait perdre son parfum plus vite que le parfum, ainsi il est recommandé pour avoir une bouteille à portée de la main si tu es dehors pendant longtemps.

La meilleure manière d'appliquer Cologne est de la tamponner au fond de votre cou et sur tous les deux vos poignets.Ce sont des emplacements d'impulsion, qui dégageront réellement l'odeur à l'air environnant.

Les parfums et les colognes sont la meilleure manière de combattre B.O.Si tu partying dehors la nuit entière, il est vraiment en valeur lui pour avoir une petite bouteille de l'un ou l'autre autour avec toi.

Les trois genres de cheveux humains

Les trois genres de cheveux humains

Vite :Nommer les trois types de cheveux humains.Vite !Ce qui est celui, tu dis ?Cheveux principaux ?Cheveux de jambe ?… cheveux d'aisselle ?

Nope, nope et nope.Bien, bien, pas entièrement :Ceux sont trois des genres de cheveux sur le corps humain.Mais ils sont seulement un des trois types de cheveux humains qui apparaissent sur nos corps à un moment donné pendant nos vies.Deux de ceux, tu pourrais trouver probablement sur votre corps en ce moment (même si tu gardais tous vos vêtements dessus).Le troisième type serait plus dur à trouver sans de l'équipement de surveillance scientifique très sensible et sorte très spécifique de volontaire.

Mais plus sur cela bientôt.Sans davantage d'agitation, voici les trois biodégradations principales des cheveux humains :

Borne.Les cheveux humains terminaux sont le genre de cheveux que tu penses à le moment où tu penses aux cheveux.C'est les cheveux que tu es le plus intéressé avec.C'est les cheveux que votre styliste est le plus intéressé avec.C'est les cheveux que tu coupes et te courbes et mousse et gel -- mais c'est également les cheveux tu rases de temps en temps.Tandis que la plupart des cheveux terminaux peuvent être trouvés sur le cuir chevelu, la limite se rapporte réellement à tous les plus longs, les plus épais cheveux humains -- comprenant les cheveux faciaux, les cheveux d'aisselle et les cheveux de public.Chaque rive des cheveux terminaux est reliée à une glande sebacious, qui dépose les huiles grasses nécessaires sur elle.

Vellus.Les cheveux humains sont divers ;tandis que nous pensons généralement à des cheveux de corps ou à des cheveux de cuir chevelu quand nous pensons aux cheveux, nos corps sont couverts réellement dans les cheveux.Les cheveux de Vellus sont le "duvet de pêche" ce nous trouvent sur une grande partie de la surface de notre peau.Habituellement trouvé sur le visage et la nuque du cou, ces cheveux ne sont habituellement pas plus qu'un couple des millimètres long.Depuis les femmes et les enfants avoir moins de cheveux terminaux sur leurs corps que les hommes, cheveux de vellus est plus évident sur eux.

Lanugo.Non tous les cheveux humains peuvent être trouvés dans le miroir.Nous tous les cheveux eus de lanugo en même temps :Quand nous étions dans l'utérus.Puisqu'ils n'ont aucun "vrai" cheveu à parler de, les foetus accroissent des cheveux de lanugo tandis que dans l'utérus pour maintenir chaud.Après que nous naissions, ils sont remplacés par des cheveux de vellus (et, après un moment, des cheveux terminaux sur nos têtes).Il apparaît également si nous devenons jamais sous-alimentés pendant une période prolongée ;sans graisse nous maintenir aussi chauds, notre lanugo instinctivement développé de corps.Ce qui est plus, nous ne sommes pas les seuls mammifères avec le lanugo ;les éléphants et les joints l'ont aussi.

Les trois genres de cheveux humains

Vite :Nommer les trois types de cheveux humains.Vite !Ce qui est celui, tu dis ?Cheveux principaux ?Cheveux de jambe ?… cheveux d'aisselle ?

Nope, nope et nope.Bien, bien, pas entièrement :Ceux sont trois des genres de cheveux sur le corps humain.Mais ils sont seulement un des trois types de cheveux humains qui apparaissent sur nos corps à un moment donné pendant nos vies.Deux de ceux, tu pourrais trouver probablement sur votre corps en ce moment (même si tu gardais tous vos vêtements dessus).Le troisième type serait plus dur à trouver sans de l'équipement de surveillance scientifique très sensible et sorte très spécifique de volontaire.

Mais plus sur cela bientôt.Sans davantage d'agitation, voici les trois biodégradations principales des cheveux humains :

Borne.Les cheveux humains terminaux sont le genre de cheveux que tu penses à le moment où tu penses aux cheveux.C'est les cheveux que tu es le plus intéressé avec.C'est les cheveux que votre styliste est le plus intéressé avec.C'est les cheveux que tu coupes et te courbes et mousse et gel -- mais c'est également les cheveux tu rases de temps en temps.Tandis que la plupart des cheveux terminaux peuvent être trouvés sur le cuir chevelu, la limite se rapporte réellement à tous les plus longs, les plus épais cheveux humains -- comprenant les cheveux faciaux, les cheveux d'aisselle et les cheveux de public.Chaque rive des cheveux terminaux est reliée à une glande sebacious, qui dépose les huiles grasses nécessaires sur elle.

Vellus.Les cheveux humains sont divers ;tandis que nous pensons généralement à des cheveux de corps ou à des cheveux de cuir chevelu quand nous pensons aux cheveux, nos corps sont couverts réellement dans les cheveux.Les cheveux de Vellus sont le "duvet de pêche" ce nous trouvent sur une grande partie de la surface de notre peau.Habituellement trouvé sur le visage et la nuque du cou, ces cheveux ne sont habituellement pas plus qu'un couple des millimètres long.Depuis les femmes et les enfants avoir moins de cheveux terminaux sur leurs corps que les hommes, cheveux de vellus est plus évident sur eux.

Lanugo.Non tous les cheveux humains peuvent être trouvés dans le miroir.Nous tous les cheveux eus de lanugo en même temps :Quand nous étions dans l'utérus.Puisqu'ils n'ont aucun "vrai" cheveu à parler de, les foetus accroissent des cheveux de lanugo tandis que dans l'utérus pour maintenir chaud.Après que nous naissions, ils sont remplacés par des cheveux de vellus (et, après un moment, des cheveux terminaux sur nos têtes).Il apparaît également si nous devenons jamais sous-alimentés pendant une période prolongée ;sans graisse nous maintenir aussi chauds, notre lanugo instinctivement développé de corps.Ce qui est plus, nous ne sommes pas les seuls mammifères avec le lanugo ;les éléphants et les joints l'ont aussi.

Les trois genres de cheveux humains

Vite :Nommer les trois types de cheveux humains.Vite !Ce qui est celui, tu dis ?Cheveux principaux ?Cheveux de jambe ?… cheveux d'aisselle ?

Nope, nope et nope.Bien, bien, pas entièrement :Ceux sont trois des genres de cheveux sur le corps humain.Mais ils sont seulement un des trois types de cheveux humains qui apparaissent sur nos corps à un moment donné pendant nos vies.Deux de ceux, tu pourrais trouver probablement sur votre corps en ce moment (même si tu gardais tous vos vêtements dessus).Le troisième type serait plus dur à trouver sans de l'équipement de surveillance scientifique très sensible et sorte très spécifique de volontaire.

Mais plus sur cela bientôt.Sans davantage d'agitation, voici les trois biodégradations principales des cheveux humains :

Borne.Les cheveux humains terminaux sont le genre de cheveux que tu penses à le moment où tu penses aux cheveux.C'est les cheveux que tu es le plus intéressé avec.C'est les cheveux que votre styliste est le plus intéressé avec.C'est les cheveux que tu coupes et te courbes et mousse et gel -- mais c'est également les cheveux tu rases de temps en temps.Tandis que la plupart des cheveux terminaux peuvent être trouvés sur le cuir chevelu, la limite se rapporte réellement à tous les plus longs, les plus épais cheveux humains -- comprenant les cheveux faciaux, les cheveux d'aisselle et les cheveux de public.Chaque rive des cheveux terminaux est reliée à une glande sebacious, qui dépose les huiles grasses nécessaires sur elle.

Vellus.Les cheveux humains sont divers ;tandis que nous pensons généralement à des cheveux de corps ou à des cheveux de cuir chevelu quand nous pensons aux cheveux, nos corps sont couverts réellement dans les cheveux.Les cheveux de Vellus sont le "duvet de pêche" ce nous trouvent sur une grande partie de la surface de notre peau.Habituellement trouvé sur le visage et la nuque du cou, ces cheveux ne sont habituellement pas plus qu'un couple des millimètres long.Depuis les femmes et les enfants avoir moins de cheveux terminaux sur leurs corps que les hommes, cheveux de vellus est plus évident sur eux.

Lanugo.Non tous les cheveux humains peuvent être trouvés dans le miroir.Nous tous les cheveux eus de lanugo en même temps :Quand nous étions dans l'utérus.Puisqu'ils n'ont aucun "vrai" cheveu à parler de, les foetus accroissent des cheveux de lanugo tandis que dans l'utérus pour maintenir chaud.Après que nous naissions, ils sont remplacés par des cheveux de vellus (et, après un moment, des cheveux terminaux sur nos têtes).Il apparaît également si nous devenons jamais sous-alimentés pendant une période prolongée ;sans graisse nous maintenir aussi chauds, notre lanugo instinctivement développé de corps.Ce qui est plus, nous ne sommes pas les seuls mammifères avec le lanugo ;les éléphants et les joints l'ont aussi.

Monday, November 10, 2008

Es Tu S'ennuyant De Vos Meilleures Idées D'Amélioration De la Qualité ?

Es Tu S'ennuyant De Vos Meilleures Idées D'Amélioration De la Qualité ?

Le mois dernier j'ai parlé de garder vos changements d'amélioration de la qualité d'endroit
en utilisant un manuel que tu développes de la concession, procédures habituelles d'opération.Par
manière, si tu manquais cette issue, tu peus trouver elle sur mon site Web, et plusieurs plus tôt
aussi.

Ce mois je veux adresser lancer un projet d'amélioration de la qualité.C'est-à-dire, comment
tu décides sur quel projet à travailler ?Quelle issue ou processus cause les la plupart
gaspiller, fait la plupart de mal, est la plupart d'affectation du résultat inférieur ?Peut-être tu es a
le chef à votre emplacement et toi ont une idée de ce qui pose généralement des problèmes.Pour
citer, tu peut penser que les patients avec des cathéters obtiennent beaucoup d'infections.
Peut-être, la vérification des patients dedans à votre emplacement prend trop long et crée
un goulot d'étranglement.Peut-être les patients se plaignent au sujet de devoir attendre trop long au contrôle
dans au bureau d'un docteur.Il pourrait être que certains départements fonctionnent sous peu de
approvisionnements trop souvent.Il y a beaucoup d'autres possibilités.La probabilité est celle
à moins que tu sois directement impliqué dans le processus controversable, tu n'es pas probablement
averti de ce que les problèmes exacts se rendent et ne sont pas compte des solutions possibles.

Ceci nous mène à la conclusion qui afin de découvrir faire face de nombreux problèmes
chaque organisation, particulièrement en termes d'effort gaspillé, temps et argent, a là
pour être en place un mécanisme pour que les problèmes apprêtent aux chefs de l'avant
lignes de l'organisation.Il doit y a une manière pour que les chefs entendent parler du
problèmes de ceux qui sont directement impliqués.Par exemple, fait n'importe qui dans le votre
l'organisation savent quelles idées le personnel de nettoyage prend pour faire l'organisation
améliorer ?Quand je dis qu'il doit y a une manière pour que les idées apprêtent, je ne veux pas dire
que les seuls avec une voix devraient être personnel soignant et d'autres professionnels.
Plutôt, comme dans les plans d'amélioration de Baldrige, le personnel entier est impliqué dans l'amélioration
de la qualité.

Je sais de quelques hôpitaux où le conduite-président, le CFO, le ROUCOULEMENT, etc.-go dehors
plusieurs matins chaque semaine à parler au personnel à tous les niveaux et patients pour voir comment
les choses pourraient être meilleures et obtenir de la rétroaction positive au sujet de ce que sont les choses
aller bien.Peut-être à votre emplacement tu veus commencer quelque chose comme ceci.Comme le temps disparaît
par et car des suggestions sont mises en application, le personnel sentira plus en sécurité au sujet de faire
des suggestions.

La conduite doit s'assurer qu'en sécurité de sentir de personnel au sujet de faire des suggestions, non
la matière ce que la méthode de suggestion change est employée.Peut-être tu pourrais vouloir à
employer un aperçu anonyme pour rassembler des suggestions initiales.Après une partie de
des suggestions sont agies au moment, le personnel se sentiront comme les chefs veulent vraiment de bonnes idées
et sentira plus en sécurité les faisant connaître.Peut-être tu pourrais vouloir employer un conseiller
dans Healthcare maigre (plusieurs de ces idées que je suggère venu directement du maigre
Healthcare) pour enseigner au personnel les principes et les processus de Healthcare maigre et
d'autres outils comme peut sembler convenable.Cette approche aidera un grand début d'organisation
faisant à beaucoup les changements positifs rapidement, plutôt que d'en utilisant l'idée de lentement
la propagation des moyens du changement dans toute une organisation, en tant que préfèrent.

Quoi que votre processus initial d'avoir les idées filtrant vers le haut dans l'organisation,
après quelques idées pour l'amélioration de la qualité recommandée par la troupe être
avec succès mis en application et après que les améliorations et l'épargne soient faites connaître
dans l'organisation, il est temps de créer des manières d'avoir plus d'idées.Peut-être tu veus à
avoir les réunions régulières avec un chef indiqué et des représentants de plusieurs
fournissant les secteurs de personnel qui évoqueront des idées.Cela signifie que le reste du personnel doit
se sentir confortable au sujet de faire des suggestions à ces membres d'équipe.Si votre emplacement a
peu d'employés, alors peut-être il serait le meilleur pour avoir des réunions de personnel permanent avec tous
employés où l'ordre du jour inclut toujours l'heure pour des idées d'amélioration de la qualité
et pour des mises à jour sur des projets continus.Pour quelque méthode tu décides des travaux mieux
votre emplacement, soit sûr qu'une sûreté et une sécurité de l'atmosphère existe pour tout le personnel.
Ceci peut signifier aller autant que pour garantir qu'aucun personnel ne perdra là placer As
les améliorations créent plus d'heure d'obtenir des choses faites.

Ainsi, une fois que tu as un flux stationnaire des idées d'amélioration de la qualité produit par tous
dans l'organisation, lesquels si tu agis au moment ?Le mois prochain, j'aborderai cette
question.Cette issue que j'ai décidé de me concentrer sur l'étape de définir de six DMAIC du sigma
(définir, mesurer, agir, améliorer, commande).Après, je discuterai le segment de mesure.
Autrefois à l'avenir je couvrirai la dynamique d'équipe aussi.

Es Tu S'ennuyant De Vos Meilleures Idées D'Amélioration De la Qualité ?

Le mois dernier j'ai parlé de garder vos changements d'amélioration de la qualité d'endroit
en utilisant un manuel que tu développes de la concession, procédures habituelles d'opération.Par
manière, si tu manquais cette issue, tu peus trouver elle sur mon site Web, et plusieurs plus tôt
aussi.

Ce mois je veux adresser lancer un projet d'amélioration de la qualité.C'est-à-dire, comment
tu décides sur quel projet à travailler ?Quelle issue ou processus cause les la plupart
gaspiller, fait la plupart de mal, est la plupart d'affectation du résultat inférieur ?Peut-être tu es a
le chef à votre emplacement et toi ont une idée de ce qui pose généralement des problèmes.Pour
citer, tu peut penser que les patients avec des cathéters obtiennent beaucoup d'infections.
Peut-être, la vérification des patients dedans à votre emplacement prend trop long et crée
un goulot d'étranglement.Peut-être les patients se plaignent au sujet de devoir attendre trop long au contrôle
dans au bureau d'un docteur.Il pourrait être que certains départements fonctionnent sous peu de
approvisionnements trop souvent.Il y a beaucoup d'autres possibilités.La probabilité est celle
à moins que tu sois directement impliqué dans le processus controversable, tu n'es pas probablement
averti de ce que les problèmes exacts se rendent et ne sont pas compte des solutions possibles.

Ceci nous mène à la conclusion qui afin de découvrir faire face de nombreux problèmes
chaque organisation, particulièrement en termes d'effort gaspillé, temps et argent, a là
pour être en place un mécanisme pour que les problèmes apprêtent aux chefs de l'avant
lignes de l'organisation.Il doit y a une manière pour que les chefs entendent parler du
problèmes de ceux qui sont directement impliqués.Par exemple, fait n'importe qui dans le votre
l'organisation savent quelles idées le personnel de nettoyage prend pour faire l'organisation
améliorer ?Quand je dis qu'il doit y a une manière pour que les idées apprêtent, je ne veux pas dire
que les seuls avec une voix devraient être personnel soignant et d'autres professionnels.
Plutôt, comme dans les plans d'amélioration de Baldrige, le personnel entier est impliqué dans l'amélioration
de la qualité.

Je sais de quelques hôpitaux où le conduite-président, le CFO, le ROUCOULEMENT, etc.-go dehors
plusieurs matins chaque semaine à parler au personnel à tous les niveaux et patients pour voir comment
les choses pourraient être meilleures et obtenir de la rétroaction positive au sujet de ce que sont les choses
aller bien.Peut-être à votre emplacement tu veus commencer quelque chose comme ceci.Comme le temps disparaît
par et car des suggestions sont mises en application, le personnel sentira plus en sécurité au sujet de faire
des suggestions.

La conduite doit s'assurer qu'en sécurité de sentir de personnel au sujet de faire des suggestions, non
la matière ce que la méthode de suggestion change est employée.Peut-être tu pourrais vouloir à
employer un aperçu anonyme pour rassembler des suggestions initiales.Après une partie de
des suggestions sont agies au moment, le personnel se sentiront comme les chefs veulent vraiment de bonnes idées
et sentira plus en sécurité les faisant connaître.Peut-être tu pourrais vouloir employer un conseiller
dans Healthcare maigre (plusieurs de ces idées que je suggère venu directement du maigre
Healthcare) pour enseigner au personnel les principes et les processus de Healthcare maigre et
d'autres outils comme peut sembler convenable.Cette approche aidera un grand début d'organisation
faisant à beaucoup les changements positifs rapidement, plutôt que d'en utilisant l'idée de lentement
la propagation des moyens du changement dans toute une organisation, en tant que préfèrent.

Quoi que votre processus initial d'avoir les idées filtrant vers le haut dans l'organisation,
après quelques idées pour l'amélioration de la qualité recommandée par la troupe être
avec succès mis en application et après que les améliorations et l'épargne soient faites connaître
dans l'organisation, il est temps de créer des manières d'avoir plus d'idées.Peut-être tu veus à
avoir les réunions régulières avec un chef indiqué et des représentants de plusieurs
fournissant les secteurs de personnel qui évoqueront des idées.Cela signifie que le reste du personnel doit
se sentir confortable au sujet de faire des suggestions à ces membres d'équipe.Si votre emplacement a
peu d'employés, alors peut-être il serait le meilleur pour avoir des réunions de personnel permanent avec tous
employés où l'ordre du jour inclut toujours l'heure pour des idées d'amélioration de la qualité
et pour des mises à jour sur des projets continus.Pour quelque méthode tu décides des travaux mieux
votre emplacement, soit sûr qu'une sûreté et une sécurité de l'atmosphère existe pour tout le personnel.
Ceci peut signifier aller autant que pour garantir qu'aucun personnel ne perdra là placer As
les améliorations créent plus d'heure d'obtenir des choses faites.

Ainsi, une fois que tu as un flux stationnaire des idées d'amélioration de la qualité produit par tous
dans l'organisation, lesquels si tu agis au moment ?Le mois prochain, j'aborderai cette
question.Cette issue que j'ai décidé de me concentrer sur l'étape de définir de six DMAIC du sigma
(définir, mesurer, agir, améliorer, commande).Après, je discuterai le segment de mesure.
Autrefois à l'avenir je couvrirai la dynamique d'équipe aussi.

Es Tu S'ennuyant De Vos Meilleures Idées D'Amélioration De la Qualité ?

Le mois dernier j'ai parlé de garder vos changements d'amélioration de la qualité d'endroit
en utilisant un manuel que tu développes de la concession, procédures habituelles d'opération.Par
manière, si tu manquais cette issue, tu peus trouver elle sur mon site Web, et plusieurs plus tôt
aussi.

Ce mois je veux adresser lancer un projet d'amélioration de la qualité.C'est-à-dire, comment
tu décides sur quel projet à travailler ?Quelle issue ou processus cause les la plupart
gaspiller, fait la plupart de mal, est la plupart d'affectation du résultat inférieur ?Peut-être tu es a
le chef à votre emplacement et toi ont une idée de ce qui pose généralement des problèmes.Pour
citer, tu peut penser que les patients avec des cathéters obtiennent beaucoup d'infections.
Peut-être, la vérification des patients dedans à votre emplacement prend trop long et crée
un goulot d'étranglement.Peut-être les patients se plaignent au sujet de devoir attendre trop long au contrôle
dans au bureau d'un docteur.Il pourrait être que certains départements fonctionnent sous peu de
approvisionnements trop souvent.Il y a beaucoup d'autres possibilités.La probabilité est celle
à moins que tu sois directement impliqué dans le processus controversable, tu n'es pas probablement
averti de ce que les problèmes exacts se rendent et ne sont pas compte des solutions possibles.

Ceci nous mène à la conclusion qui afin de découvrir faire face de nombreux problèmes
chaque organisation, particulièrement en termes d'effort gaspillé, temps et argent, a là
pour être en place un mécanisme pour que les problèmes apprêtent aux chefs de l'avant
lignes de l'organisation.Il doit y a une manière pour que les chefs entendent parler du
problèmes de ceux qui sont directement impliqués.Par exemple, fait n'importe qui dans le votre
l'organisation savent quelles idées le personnel de nettoyage prend pour faire l'organisation
améliorer ?Quand je dis qu'il doit y a une manière pour que les idées apprêtent, je ne veux pas dire
que les seuls avec une voix devraient être personnel soignant et d'autres professionnels.
Plutôt, comme dans les plans d'amélioration de Baldrige, le personnel entier est impliqué dans l'amélioration
de la qualité.

Je sais de quelques hôpitaux où le conduite-président, le CFO, le ROUCOULEMENT, etc.-go dehors
plusieurs matins chaque semaine à parler au personnel à tous les niveaux et patients pour voir comment
les choses pourraient être meilleures et obtenir de la rétroaction positive au sujet de ce que sont les choses
aller bien.Peut-être à votre emplacement tu veus commencer quelque chose comme ceci.Comme le temps disparaît
par et car des suggestions sont mises en application, le personnel sentira plus en sécurité au sujet de faire
des suggestions.

La conduite doit s'assurer qu'en sécurité de sentir de personnel au sujet de faire des suggestions, non
la matière ce que la méthode de suggestion change est employée.Peut-être tu pourrais vouloir à
employer un aperçu anonyme pour rassembler des suggestions initiales.Après une partie de
des suggestions sont agies au moment, le personnel se sentiront comme les chefs veulent vraiment de bonnes idées
et sentira plus en sécurité les faisant connaître.Peut-être tu pourrais vouloir employer un conseiller
dans Healthcare maigre (plusieurs de ces idées que je suggère venu directement du maigre
Healthcare) pour enseigner au personnel les principes et les processus de Healthcare maigre et
d'autres outils comme peut sembler convenable.Cette approche aidera un grand début d'organisation
faisant à beaucoup les changements positifs rapidement, plutôt que d'en utilisant l'idée de lentement
la propagation des moyens du changement dans toute une organisation, en tant que préfèrent.

Quoi que votre processus initial d'avoir les idées filtrant vers le haut dans l'organisation,
après quelques idées pour l'amélioration de la qualité recommandée par la troupe être
avec succès mis en application et après que les améliorations et l'épargne soient faites connaître
dans l'organisation, il est temps de créer des manières d'avoir plus d'idées.Peut-être tu veus à
avoir les réunions régulières avec un chef indiqué et des représentants de plusieurs
fournissant les secteurs de personnel qui évoqueront des idées.Cela signifie que le reste du personnel doit
se sentir confortable au sujet de faire des suggestions à ces membres d'équipe.Si votre emplacement a
peu d'employés, alors peut-être il serait le meilleur pour avoir des réunions de personnel permanent avec tous
employés où l'ordre du jour inclut toujours l'heure pour des idées d'amélioration de la qualité
et pour des mises à jour sur des projets continus.Pour quelque méthode tu décides des travaux mieux
votre emplacement, soit sûr qu'une sûreté et une sécurité de l'atmosphère existe pour tout le personnel.
Ceci peut signifier aller autant que pour garantir qu'aucun personnel ne perdra là placer As
les améliorations créent plus d'heure d'obtenir des choses faites.

Ainsi, une fois que tu as un flux stationnaire des idées d'amélioration de la qualité produit par tous
dans l'organisation, lesquels si tu agis au moment ?Le mois prochain, j'aborderai cette
question.Cette issue que j'ai décidé de me concentrer sur l'étape de définir de six DMAIC du sigma
(définir, mesurer, agir, améliorer, commande).Après, je discuterai le segment de mesure.
Autrefois à l'avenir je couvrirai la dynamique d'équipe aussi.

Friday, November 7, 2008

The $500.00 A Month Plan

One way to make extra money or start a business of your own is by placing advertising which will pay a good profit. Selling printed information by mail can br financially rewarding. Classified advertising is the cheapest way to get into Mail Order and it is often possible to raise a fortune from these small ads. Just check any large publication such as Popular Mechanics, for their classified advertising section and you can see yourself the many ads.

"How would you like to receive $25 daily and keep all the money? For complete set-up rush $1 to (Your name and address)"

These small ads, running month after month would not be there if they were not profitable and making money. according to some of the promotional material being sent around the country, you could make up to $500.00 or possibly more by running the following classified ads over your name and address. They ask you to pick up a top national publication and test either one or both under "Money-Making Opportunities" headings and watch the dollars come in. I did not run any of these ads myself but was told they really are both profitable. Here are the programs and the advertisements:




You are supposed to fill orders you receive with a copy of this sheet you are now reading. Make photocopies or get a supply printed to send as needed.

"$500 monthly, work at home, receive money daily. For complete set-up send $1 to (Your name and address here)"

There are other variations of this plan, but all serve the same purpose: to sell printed information to people who are interested in making some extra money. (they say it is truly possible to make money with this plan).




If you have sufficient capital, some good pulling national magazines or Tabloids are:


*Popular Mechanics *Money Making Opportunities *Salesman's Opportunities *Specialty Salesman *Mechanics Illustrated *National Enquirer And many others to numerous to mention.

If you study the many classified ads in the big national publications, you may get a better idea of what the leading companies in Mail Order are doing. You will get a better idea of how classified advertising works. if you have limited capital, it would be wise to run your ads in smaller publications such as small newspapers, small Mail Order Publications and adsheets.


Yes! You can start your own advertising and mailing business at home and keep finances ahead of inflation but be sure you are involved in the kind of program that gives you a reasonable chance to be a winner.

Many such magazines tabloids and other good publications are available at your local news stand, library or through Mail Order. Many of them require a copy of the material you are selling with your ad and reserve the right not to print certain ads they feel may be injurious to the public or the image of their publication

One way to make extra money or start a business of your own is by placing advertising which will pay a good profit. Selling printed information by mail can br financially rewarding. Classified advertising is the cheapest way to get into Mail Order and it is often possible to raise a fortune from these small ads. Just check any large publication such as Popular Mechanics, for their classified advertising section and you can see yourself the many ads.

"How would you like to receive $25 daily and keep all the money? For complete set-up rush $1 to (Your name and address)"

These small ads, running month after month would not be there if they were not profitable and making money. according to some of the promotional material being sent around the country, you could make up to $500.00 or possibly more by running the following classified ads over your name and address. They ask you to pick up a top national publication and test either one or both under "Money-Making Opportunities" headings and watch the dollars come in. I did not run any of these ads myself but was told they really are both profitable. Here are the programs and the advertisements:




You are supposed to fill orders you receive with a copy of this sheet you are now reading. Make photocopies or get a supply printed to send as needed.

"$500 monthly, work at home, receive money daily. For complete set-up send $1 to (Your name and address here)"

There are other variations of this plan, but all serve the same purpose: to sell printed information to people who are interested in making some extra money. (they say it is truly possible to make money with this plan).




If you have sufficient capital, some good pulling national magazines or Tabloids are:


*Popular Mechanics *Money Making Opportunities *Salesman's Opportunities *Specialty Salesman *Mechanics Illustrated *National Enquirer And many others to numerous to mention.

If you study the many classified ads in the big national publications, you may get a better idea of what the leading companies in Mail Order are doing. You will get a better idea of how classified advertising works. if you have limited capital, it would be wise to run your ads in smaller publications such as small newspapers, small Mail Order Publications and adsheets.


Yes! You can start your own advertising and mailing business at home and keep finances ahead of inflation but be sure you are involved in the kind of program that gives you a reasonable chance to be a winner.

Many such magazines tabloids and other good publications are available at your local news stand, library or through Mail Order. Many of them require a copy of the material you are selling with your ad and reserve the right not to print certain ads they feel may be injurious to the public or the image of their publication

One way to make extra money or start a business of your own is by placing advertising which will pay a good profit. Selling printed information by mail can br financially rewarding. Classified advertising is the cheapest way to get into Mail Order and it is often possible to raise a fortune from these small ads. Just check any large publication such as Popular Mechanics, for their classified advertising section and you can see yourself the many ads.

"How would you like to receive $25 daily and keep all the money? For complete set-up rush $1 to (Your name and address)"

These small ads, running month after month would not be there if they were not profitable and making money. according to some of the promotional material being sent around the country, you could make up to $500.00 or possibly more by running the following classified ads over your name and address. They ask you to pick up a top national publication and test either one or both under "Money-Making Opportunities" headings and watch the dollars come in. I did not run any of these ads myself but was told they really are both profitable. Here are the programs and the advertisements:




You are supposed to fill orders you receive with a copy of this sheet you are now reading. Make photocopies or get a supply printed to send as needed.

"$500 monthly, work at home, receive money daily. For complete set-up send $1 to (Your name and address here)"

There are other variations of this plan, but all serve the same purpose: to sell printed information to people who are interested in making some extra money. (they say it is truly possible to make money with this plan).




If you have sufficient capital, some good pulling national magazines or Tabloids are:


*Popular Mechanics *Money Making Opportunities *Salesman's Opportunities *Specialty Salesman *Mechanics Illustrated *National Enquirer And many others to numerous to mention.

If you study the many classified ads in the big national publications, you may get a better idea of what the leading companies in Mail Order are doing. You will get a better idea of how classified advertising works. if you have limited capital, it would be wise to run your ads in smaller publications such as small newspapers, small Mail Order Publications and adsheets.


Yes! You can start your own advertising and mailing business at home and keep finances ahead of inflation but be sure you are involved in the kind of program that gives you a reasonable chance to be a winner.

Many such magazines tabloids and other good publications are available at your local news stand, library or through Mail Order. Many of them require a copy of the material you are selling with your ad and reserve the right not to print certain ads they feel may be injurious to the public or the image of their publication

Prove It! - Give Your Marketing and Advertising More Credibility

Your marketing and advertising won't be effective if your potential customers don't believe the claims you make. So how can you prove your that you can do what you say you can?

Tone it down. Even if it is possible, your claim that dieters can lose 50 pounds in a month probably won't be believed. Make it more realistic and representative of typical results.

Get customer testimonials. Let them see that others have had great results. Testimonials should be specific and include the customer's real name for the most credibility.


Positive media coverage will make you a star. Media coverage provides an implied endorsement from a respected source.

Get endorsements from experts. Respected authorities who say that your product or service is good make you look good.

Show a track record. Have you been in business for 20 years? Customers are more comfortable doing business with someone they believe will be around if there is a problem after the sale.


Cite statistics from a reputable source to back up your claims. There is a joke that 67.8% of all statistics are made up on the spot. When you use statistics, tell where they came from.

Make yourself accessible. Give a phone number or e-mail address where customers can contact you (or support staff) directly with questions. Phone numbers are especially valuable in creating the awareness that you are approachable by clients. Add live chat at your web site to resolve support issues.

And, never make claims that aren't true. If you are caught in a lie, it can be difficult or impossible to reclaim the trust of your customers.

Your marketing and advertising won't be effective if your potential customers don't believe the claims you make. So how can you prove your that you can do what you say you can?

Tone it down. Even if it is possible, your claim that dieters can lose 50 pounds in a month probably won't be believed. Make it more realistic and representative of typical results.

Get customer testimonials. Let them see that others have had great results. Testimonials should be specific and include the customer's real name for the most credibility.


Positive media coverage will make you a star. Media coverage provides an implied endorsement from a respected source.

Get endorsements from experts. Respected authorities who say that your product or service is good make you look good.

Show a track record. Have you been in business for 20 years? Customers are more comfortable doing business with someone they believe will be around if there is a problem after the sale.


Cite statistics from a reputable source to back up your claims. There is a joke that 67.8% of all statistics are made up on the spot. When you use statistics, tell where they came from.

Make yourself accessible. Give a phone number or e-mail address where customers can contact you (or support staff) directly with questions. Phone numbers are especially valuable in creating the awareness that you are approachable by clients. Add live chat at your web site to resolve support issues.

And, never make claims that aren't true. If you are caught in a lie, it can be difficult or impossible to reclaim the trust of your customers.

Your marketing and advertising won't be effective if your potential customers don't believe the claims you make. So how can you prove your that you can do what you say you can?

Tone it down. Even if it is possible, your claim that dieters can lose 50 pounds in a month probably won't be believed. Make it more realistic and representative of typical results.

Get customer testimonials. Let them see that others have had great results. Testimonials should be specific and include the customer's real name for the most credibility.


Positive media coverage will make you a star. Media coverage provides an implied endorsement from a respected source.

Get endorsements from experts. Respected authorities who say that your product or service is good make you look good.

Show a track record. Have you been in business for 20 years? Customers are more comfortable doing business with someone they believe will be around if there is a problem after the sale.


Cite statistics from a reputable source to back up your claims. There is a joke that 67.8% of all statistics are made up on the spot. When you use statistics, tell where they came from.

Make yourself accessible. Give a phone number or e-mail address where customers can contact you (or support staff) directly with questions. Phone numbers are especially valuable in creating the awareness that you are approachable by clients. Add live chat at your web site to resolve support issues.

And, never make claims that aren't true. If you are caught in a lie, it can be difficult or impossible to reclaim the trust of your customers.

Why Radio Advertising Could Be The Best Thing You Ever Did For Your Business

In the marketing world, radio has earned the reputation of
being the odd step-cousin. You know the one. No one
knows quite what to do with him. Especially at family
gatherings when everyone tries hard to avoid sitting with
him. (After all, who knows WHAT he'll start talking about.)


A good friend of mine, who's also a marketing consultant
but before that she sold radio for many years, has a theory
about that. She says radio works on a subconscious or
unconscious level. People remember the ad, but not that
they heard it on the radio. So, they tend to credit a different
medium for the ad, like the yellow pages. Yellow pages gets
a boost while radio drops a few points.

Much of that reputation comes from radio being tough to
track. On one hand, radio does work. Businesses do notice
an increase in sales when they add radio to the mix.
However, radio doesn't test well. In surveys and other
tracking methods, radio tends to be the one with the dismal
scores.


However, I feel there are possibilities beyond merely
reaching local customers.

Regardless, radio should not be ignored because it does
work. And many marketing consultants will probably tell you
radio is an excellent medium to reach a local market.

Internet radio shows are starting to take off in a big way.
That means advertising and sponsorship opportunities are
also taking off. In addition, "offline" methods have been
shown to be pretty effective at driving traffic online. If
increasing Web traffic is your goal, using traditional media
outlets to increase traffic should be a part of your mix.


Below are some other positive reasons to use radio:

* Affordable -- when you compare spot to spot, radio tends
to be one of the least expensive media out there. However,
one spot ain't going to do it. To reach your target market, you
need to purchase several spots. That's why radio can also
turn into one of the more expensive media. However, there
are ways to keep your costs in line yet still reap the benefits
of radio -- for instance, buying less spots but running them
all in one or two weeks, so your customers are more likely
to hear your message.

If people already know you (which they might in your local
market) they're more likely to be loyal. And they're more likely
to send other customers to your site. Depending on the
costs of radio in your community, radio may be a very
affordable way to get a good viral campaign going. (A viral
campaign is when your customers send promotional items
about your business such as e-mails, articles, Web site
urls, etc. to their friends and family members.)

* Psychological, if you voice the commercials yourself --
hearing your voice makes people feel like they "know" you.
(Hence the popularity of audio on Web sites. In fact,
marketing gurus claim just by adding audio to a site
substantially increases how many people buy.)

People tend to buy from people and businesses they know
and trust. Hearing your voice helps them feel as if they know
you. These psychological aspects may be another reason to
consider running a few radio ads in your local market even if
you have an Internet business.

* Speed -- you can get your spot up and running in no time.

* Loyalty -- listeners choose stations based on the music or
shows they like and they tend to be quite loyal to that station.
If you know what your customers enjoy listening to, it's an
excellent way to reach them. (I include both music and talk
shows in this.)

* Good support medium -- radio works really well when
paired with other marketing mediums (like print, direct mail
or television).

But for every positive, there's a negative. In the spirit of being
objective, here are a few for radio:

* Background medium -- radio tends to be on in the
background, which means it tends to be ignored. Generally,
your target market needs to be exposed to your ad more
times than other marketing media before they'll act upon
your message.

* Little staying power -- the lack of visuals again keeps radio
from "sticking" with people. At least, that's what some of the
marketing gurus say. But, here again my marketing
consultant friend differs. She thinks it's that subconscious
thing again.

And if you can write a spot that creates pictures in your
customers' heads, you can actually work this to your
advantage. In fact, according to my friend, if the picture is
defined enough, not only will people remember it better, but
they'll also think it was a print ad instead of a radio ad. (More
on the art of creating pictures using words in later issues.)

* Hard to track – it's impossible to know exactly how many
people are tuning in at any given time.

A final note: Because radio is subconscious, keep that in
mind when crafting your ad. Repeat your business name a
lot and any other branding info, so it gets into your
customers' heads. Don't put in phone numbers. Instead,
purchase a memorable Web site domain name and repeat
that. And remember to create "pictures" whenever possible.

Creativity Exercise -- How can you use radio in your
business?

Would radio work for your business? Let's find out.

Take out a sheet of paper and a fun pen. (I'm partial to gel
pens.) Draw a line down the center.

On one side, put the header: Why advertising on radio is a
good idea for my business. On the other side, put the
header: Why advertising is a bad idea for my business.

Now pick a side and start writing down reasons.


For instance, let's say you started with the bad idea. One of
your reasons was: My product is completely visual. You
could turn it around by saying "Because my product is so
visual, I'll have to work harder to create pictures in my
customers' minds. And because the customers create their
own pictures, they're more likely to remember them."

Or what if you started with a good idea, and one of the
reasons was: "Because my business is local." You could
turn it around and say "Because radio is holding me back --
I'm only reaching this local market." (Ah, now I'm even going
against what I said earlier. Maybe with this statement you
could look for ways to get your customers to spread the
word outside the area about your business.)

You might be more comfortable starting with the side that's
easiest for you. Then when you work on the other side, you
can simply turn the reasons around.

As you saw by my last example, you'll be amazed at what
comes out when you do this exercise. Even if you don't
change your views on radio advertising, you may come up
with new and powerful insights to your business.

In the marketing world, radio has earned the reputation of
being the odd step-cousin. You know the one. No one
knows quite what to do with him. Especially at family
gatherings when everyone tries hard to avoid sitting with
him. (After all, who knows WHAT he'll start talking about.)


A good friend of mine, who's also a marketing consultant
but before that she sold radio for many years, has a theory
about that. She says radio works on a subconscious or
unconscious level. People remember the ad, but not that
they heard it on the radio. So, they tend to credit a different
medium for the ad, like the yellow pages. Yellow pages gets
a boost while radio drops a few points.

Much of that reputation comes from radio being tough to
track. On one hand, radio does work. Businesses do notice
an increase in sales when they add radio to the mix.
However, radio doesn't test well. In surveys and other
tracking methods, radio tends to be the one with the dismal
scores.


However, I feel there are possibilities beyond merely
reaching local customers.

Regardless, radio should not be ignored because it does
work. And many marketing consultants will probably tell you
radio is an excellent medium to reach a local market.

Internet radio shows are starting to take off in a big way.
That means advertising and sponsorship opportunities are
also taking off. In addition, "offline" methods have been
shown to be pretty effective at driving traffic online. If
increasing Web traffic is your goal, using traditional media
outlets to increase traffic should be a part of your mix.


Below are some other positive reasons to use radio:

* Affordable -- when you compare spot to spot, radio tends
to be one of the least expensive media out there. However,
one spot ain't going to do it. To reach your target market, you
need to purchase several spots. That's why radio can also
turn into one of the more expensive media. However, there
are ways to keep your costs in line yet still reap the benefits
of radio -- for instance, buying less spots but running them
all in one or two weeks, so your customers are more likely
to hear your message.

If people already know you (which they might in your local
market) they're more likely to be loyal. And they're more likely
to send other customers to your site. Depending on the
costs of radio in your community, radio may be a very
affordable way to get a good viral campaign going. (A viral
campaign is when your customers send promotional items
about your business such as e-mails, articles, Web site
urls, etc. to their friends and family members.)

* Psychological, if you voice the commercials yourself --
hearing your voice makes people feel like they "know" you.
(Hence the popularity of audio on Web sites. In fact,
marketing gurus claim just by adding audio to a site
substantially increases how many people buy.)

People tend to buy from people and businesses they know
and trust. Hearing your voice helps them feel as if they know
you. These psychological aspects may be another reason to
consider running a few radio ads in your local market even if
you have an Internet business.

* Speed -- you can get your spot up and running in no time.

* Loyalty -- listeners choose stations based on the music or
shows they like and they tend to be quite loyal to that station.
If you know what your customers enjoy listening to, it's an
excellent way to reach them. (I include both music and talk
shows in this.)

* Good support medium -- radio works really well when
paired with other marketing mediums (like print, direct mail
or television).

But for every positive, there's a negative. In the spirit of being
objective, here are a few for radio:

* Background medium -- radio tends to be on in the
background, which means it tends to be ignored. Generally,
your target market needs to be exposed to your ad more
times than other marketing media before they'll act upon
your message.

* Little staying power -- the lack of visuals again keeps radio
from "sticking" with people. At least, that's what some of the
marketing gurus say. But, here again my marketing
consultant friend differs. She thinks it's that subconscious
thing again.

And if you can write a spot that creates pictures in your
customers' heads, you can actually work this to your
advantage. In fact, according to my friend, if the picture is
defined enough, not only will people remember it better, but
they'll also think it was a print ad instead of a radio ad. (More
on the art of creating pictures using words in later issues.)

* Hard to track – it's impossible to know exactly how many
people are tuning in at any given time.

A final note: Because radio is subconscious, keep that in
mind when crafting your ad. Repeat your business name a
lot and any other branding info, so it gets into your
customers' heads. Don't put in phone numbers. Instead,
purchase a memorable Web site domain name and repeat
that. And remember to create "pictures" whenever possible.

Creativity Exercise -- How can you use radio in your
business?

Would radio work for your business? Let's find out.

Take out a sheet of paper and a fun pen. (I'm partial to gel
pens.) Draw a line down the center.

On one side, put the header: Why advertising on radio is a
good idea for my business. On the other side, put the
header: Why advertising is a bad idea for my business.

Now pick a side and start writing down reasons.


For instance, let's say you started with the bad idea. One of
your reasons was: My product is completely visual. You
could turn it around by saying "Because my product is so
visual, I'll have to work harder to create pictures in my
customers' minds. And because the customers create their
own pictures, they're more likely to remember them."

Or what if you started with a good idea, and one of the
reasons was: "Because my business is local." You could
turn it around and say "Because radio is holding me back --
I'm only reaching this local market." (Ah, now I'm even going
against what I said earlier. Maybe with this statement you
could look for ways to get your customers to spread the
word outside the area about your business.)

You might be more comfortable starting with the side that's
easiest for you. Then when you work on the other side, you
can simply turn the reasons around.

As you saw by my last example, you'll be amazed at what
comes out when you do this exercise. Even if you don't
change your views on radio advertising, you may come up
with new and powerful insights to your business.

In the marketing world, radio has earned the reputation of
being the odd step-cousin. You know the one. No one
knows quite what to do with him. Especially at family
gatherings when everyone tries hard to avoid sitting with
him. (After all, who knows WHAT he'll start talking about.)


A good friend of mine, who's also a marketing consultant
but before that she sold radio for many years, has a theory
about that. She says radio works on a subconscious or
unconscious level. People remember the ad, but not that
they heard it on the radio. So, they tend to credit a different
medium for the ad, like the yellow pages. Yellow pages gets
a boost while radio drops a few points.

Much of that reputation comes from radio being tough to
track. On one hand, radio does work. Businesses do notice
an increase in sales when they add radio to the mix.
However, radio doesn't test well. In surveys and other
tracking methods, radio tends to be the one with the dismal
scores.


However, I feel there are possibilities beyond merely
reaching local customers.

Regardless, radio should not be ignored because it does
work. And many marketing consultants will probably tell you
radio is an excellent medium to reach a local market.

Internet radio shows are starting to take off in a big way.
That means advertising and sponsorship opportunities are
also taking off. In addition, "offline" methods have been
shown to be pretty effective at driving traffic online. If
increasing Web traffic is your goal, using traditional media
outlets to increase traffic should be a part of your mix.


Below are some other positive reasons to use radio:

* Affordable -- when you compare spot to spot, radio tends
to be one of the least expensive media out there. However,
one spot ain't going to do it. To reach your target market, you
need to purchase several spots. That's why radio can also
turn into one of the more expensive media. However, there
are ways to keep your costs in line yet still reap the benefits
of radio -- for instance, buying less spots but running them
all in one or two weeks, so your customers are more likely
to hear your message.

If people already know you (which they might in your local
market) they're more likely to be loyal. And they're more likely
to send other customers to your site. Depending on the
costs of radio in your community, radio may be a very
affordable way to get a good viral campaign going. (A viral
campaign is when your customers send promotional items
about your business such as e-mails, articles, Web site
urls, etc. to their friends and family members.)

* Psychological, if you voice the commercials yourself --
hearing your voice makes people feel like they "know" you.
(Hence the popularity of audio on Web sites. In fact,
marketing gurus claim just by adding audio to a site
substantially increases how many people buy.)

People tend to buy from people and businesses they know
and trust. Hearing your voice helps them feel as if they know
you. These psychological aspects may be another reason to
consider running a few radio ads in your local market even if
you have an Internet business.

* Speed -- you can get your spot up and running in no time.

* Loyalty -- listeners choose stations based on the music or
shows they like and they tend to be quite loyal to that station.
If you know what your customers enjoy listening to, it's an
excellent way to reach them. (I include both music and talk
shows in this.)

* Good support medium -- radio works really well when
paired with other marketing mediums (like print, direct mail
or television).

But for every positive, there's a negative. In the spirit of being
objective, here are a few for radio:

* Background medium -- radio tends to be on in the
background, which means it tends to be ignored. Generally,
your target market needs to be exposed to your ad more
times than other marketing media before they'll act upon
your message.

* Little staying power -- the lack of visuals again keeps radio
from "sticking" with people. At least, that's what some of the
marketing gurus say. But, here again my marketing
consultant friend differs. She thinks it's that subconscious
thing again.

And if you can write a spot that creates pictures in your
customers' heads, you can actually work this to your
advantage. In fact, according to my friend, if the picture is
defined enough, not only will people remember it better, but
they'll also think it was a print ad instead of a radio ad. (More
on the art of creating pictures using words in later issues.)

* Hard to track – it's impossible to know exactly how many
people are tuning in at any given time.

A final note: Because radio is subconscious, keep that in
mind when crafting your ad. Repeat your business name a
lot and any other branding info, so it gets into your
customers' heads. Don't put in phone numbers. Instead,
purchase a memorable Web site domain name and repeat
that. And remember to create "pictures" whenever possible.

Creativity Exercise -- How can you use radio in your
business?

Would radio work for your business? Let's find out.

Take out a sheet of paper and a fun pen. (I'm partial to gel
pens.) Draw a line down the center.

On one side, put the header: Why advertising on radio is a
good idea for my business. On the other side, put the
header: Why advertising is a bad idea for my business.

Now pick a side and start writing down reasons.


For instance, let's say you started with the bad idea. One of
your reasons was: My product is completely visual. You
could turn it around by saying "Because my product is so
visual, I'll have to work harder to create pictures in my
customers' minds. And because the customers create their
own pictures, they're more likely to remember them."

Or what if you started with a good idea, and one of the
reasons was: "Because my business is local." You could
turn it around and say "Because radio is holding me back --
I'm only reaching this local market." (Ah, now I'm even going
against what I said earlier. Maybe with this statement you
could look for ways to get your customers to spread the
word outside the area about your business.)

You might be more comfortable starting with the side that's
easiest for you. Then when you work on the other side, you
can simply turn the reasons around.

As you saw by my last example, you'll be amazed at what
comes out when you do this exercise. Even if you don't
change your views on radio advertising, you may come up
with new and powerful insights to your business.