Regular Automotive Service A New Years Resolution!

The New Year is usually a time to make resolutions for the coming year. The year 2015 may bring financial challenges to many people and, as a result, you may be looking at keeping your older vehicle a little longer than originally planned. It’s easy to overlook the small responsibilities of keeping up basic automotive service. Vehicle owners know that regular automotive service and timely automotive repair are investments that will pay off in the long run with a vehicle that will keep going strong for many more miles.

Consider these three resolutions that will help maintain your vehicle, save you money, and keep you driving safely in the New Year:

Resolution #1 — Schedule a basic automotive service check-up twice a year. A well-trained mechanic can spot problems ahead of time that you might miss. Taking the time to schedule an automotive service with a good mechanic twice a year may seem obsessive, but preventative maintenance is cheap insurance, and will help prevent major automotive repair later. A basic automotive service should include inspecting the tires, lights, windshield wipers, brakes, and car battery.

Resolution #2 – Keep up with fluid and filter changes. Checking on your vehicle’s fluids and filters are crucial to its longevity, making sure to include radiator fluid and the air filter. Mark one day on your calendar each month to make sure all fluids are topped off and filters clean. It can save you some serious automotive repair dollars down the road.

Resolution #3 Take care of small problems early. This is perhaps the easiest responsibility to overlook, but the potential consequences of doing so can lead to major problems and automotive repair costs. That strange noise you hear in your vehicle won’t go away on its own.

Remember…. Don’t put off minor automotive service. Your car will thank you by providing good service for many miles to come.

Need a quality automotive repair? Contact our ASE Certified Technicians at Rum River Automotive by calling (763) 389-3811, or go on-line at http://www.rumriverauto.com/ for professional advice about automotive service. Since 1997, our auto repair shop has served vehicle owners in Princeton, MN and in the surrounding areas of Milaca and Zimmerman, MN.

Five Emerging Trends for the Insurance Industry

Five Emerging Trends for the Insurance Industry
Over the past few months, I have delivered a number of insurance oriented keynotes and, later this week, Ill be addressing a conference on Emerging Technologies for the insurance industry. While I cover a wide variety of trends in the information technology, biotechnology and nanotechnology sectors, here are five trends already impacting the insurance industry and which will only grow more prevalant over the coming years:

1. Genomics: Since 1998, the price of sequencing a base pair of genes has plummeted 100 million-fold. An individual can now have his or her genome sequenced for about $10,000. Obviosly, this still isnt practical or affordable for the average person but the price will soon decrease to $1000 and then $100and eventually even lower. The impact on human health will be profound and the implications for the insurance insurancein terms of life expectancy alonewill be immense.

2. Gaming Dynamics: The ability for smartphones to monitor everything from a persons heart rate and blood pressure to their glucose levels is impressive. To date, however, most of this data was just collected and then transferred wirelessly to healthcare providers who helped the patient make sense of it. This is about to change and gaming dynamics will lead the way by providing users new ways to engage, interact and, ultimately, control their own healthcare. Imagine, for example, receiving a lower insurance rate because you could verify that you exercised for 40 minutes and burned 400 calories. The potential for gaming dynamics to unleash new, innovative business models for the insurance industry is real.

3. Locational Intelligence & Pervasive Connectivity: Due to the exponential advancement of GPS technology and sensors, it is now possible to know a persons location to within a few feet. While this has made it easier for the “directional-challenged” to find their friends house a little quick, the technology is poised to revolutionize the insurance industry by making it feasible to monitor a persons driving habits. For instance, if a person is going too fast, braking too suddenly or driving or parking in a crime-ridden area, itll be possible to adjust that persons insurance rates accordingly. Undoubtedly this raises significant privacy concerns which might ultimately doom the technology, but it is just as feasible that cost-conscious consumers will be willing to provide access to such information in return for lower rates.

4. Computational Analytics and Data Mining: When a mild earthquake hit Washington, DC this past August, the first Twitter report reached New York 40 seconds ahead of the quakes shock waves. An impressive feat to be sure but itll pale in comparison to the type of information that will soon be delivered by data-mining Twitter and numerous other social networking sites. Officials at Southeastern Louisiana University recently reported they could track influenza outbreaks by collating the rise of Twitter texts from people complaining about flu symptoms. Other researchers have discovered there is a strong correlation between a persons physical health and the health of their friends. One future possibility is that publically-available social network data can be data-mined by insurance companies to offer discounted rates to individuals who travel in healthier social circles. (Again privacy concerns and regulations may prevent such uses but, then again, maybe not.)

5. Hyper-Personalization: The foundation of the insurance industry is based on the idea of pooling risk. This strategy has worked well for centuries but in the not-to-distant future it is entirely possible that many individuals will prefer to be insured based on their individual actionsand not the statistical average of a large group. This is especially true if the person in question is healthier, a better and safer driver, and cost-conscious to the point that they arent concerned with sharing certain data with the insurance provider in return for securing a lower premium for themselves.
This future is coming. The only question is whether you, your business, your association or your industry is ready.

His latest book is Higher Unlearning: 39 Post-Requisite Lessons for Achieving a Successful Future.

Office Stationery Used As An Effective Advertising Tactic

When you start your own business, you have a budget and you have a need to stick to that budget. After all, you’re in business to make money. You know you need necessities like a roof over your head, a phone system, a computer, a printer and whatever supplies your business specialises in, but what about stationery?

Is stationery a valid office expenditure? Is it a waste of money? Won’t ordinary paper do the exact same thing fancy stationery will? Ordinary plain paper would definitely be cheaper, but you’d be surprised at just how effective the right stationery is for increasing your business.

Standard paper is cheaper. You don’t have to order it specially, you can pick it up at any paper store and you can print anything on it without having to worry about correct borders and margins, etc.

Regular paper is just that, however, it’s regular. It doesn’t stand out. If you mail someone a sales letter and it’s printed on a normal computer, it will look like every other sales letter that potential customer has ever received. It will be so lacklustre that it might just get tossed in the rubbish bin before it’s even read. Don’t let that happen to your important business letters and other transactions.

Instead, you’ll want to create a lasting memory with your customer. And you can do that by having office stationery designed for you.

With stationery, you can make a statement. If your business specialises in specific colours, having stationery designed with those colours will mentally let someone know that the stationery belongs to your business. With the right logo, the right motto, the right font and the right design, your stationery will become embedded in the customer’s memory so that they’re more likely to choose your business over the competition.

Although having your own stationery can be more expensive, but so is any other type of advertising. That’s right, stationery is a form of advertising. It’s advertising just like a phone book ad is advertising, or a billboard. When your stationery crosses someone’s desk, or your envelope reaches someone’s mailbox, you are advertising your business to that person. It’s an investment every business should make, as any advertising is good advertising, but only if it is carried out professionally.

If you’re one of those business owners that hold onto their money as tightly as they can, don’t worry. There are many ways to go about getting cheap, but effective, office stationery. You only have to shop online to see the wide ranges of office stationery available. Don’t be tempted to design your own as these only scream ‘amateur’ which will do little for you or your business.

Having correctly designed office stationery is one of the best things you can do for your business and there is stationery to fit any budget. As long as it’s designed correctly, it’s simple and easy to read and it stands out in the customer’s mind, it doesn’t matter what it costs, it only matters that it’s seen, remembered and generates further interest in what your company has to offer.

Small Company Ideas Marketing Developments For 2011

Consumers want to do business with somebody that they think is serious about their business. Company owners want to do company with someone that is expert about the way they run their company.

These steps differ depending on the nature of the products you are going to promote. For this post, we’ll appear into the essential actions to set up an eBay business that entails promoting Ebook products. If you want to make cash on eBay selling your eBooks, then read on.

Low costs for graphic design are discovered in 1 of two locations: one) with inexperienced designers who require to develop up their portfolio and don’t know how to do it much more effectively; and 2) on crowdsourcing websites that have no brand name worth and are as impersonal as the Bobbies at Buckingham Palace.

Friends, family, customers and business contacts regardless of who it is Twitter tends to make it easy to maintain in get in touch with with these individuals. The initial stage is to start searching for these individuals on Twitter and start following them and to also begin sharing your Twitter ID with these individuals. In the previous people communicated utilizing instant messaging, but for the most part instant messaging is dying a slow death. So steer your friends towards Twitter and start making a better partnership.

Conduct Ebook sourcing. This is also referred to as group-sourcing. If you are as well occupied to create all the contents of your e-book, you can simply outsource content material-creation to other individuals. There are 1000’s of freelance content creators out there whom you can employ. In reality, numerous sellers make money on eBay promoting goods they did not create themselves.

Particular crowd sourcing contest companies would also make independent marketplace study to help rank names in accordance to popularity to help in creating a decision on a title to choose.

Crowd investment is really only feasible many thanks to the 2012 Work act, which was developed to make it simpler for startups to get the funding they need. So, as long as you satisfy particular requirements (like a $200,000 a year income) and are prepared to accept that most startups fall short, and you still want to make investments, there are much more and much more companies willing to take the money straight from you.

Buy what you need, sell what you don’t: You may believe that you can never have too numerous assets, but this is actually not true. You can usually have as well much of anything and occasionally, you end up with way more than you truly require. Whether it is cash or home, you will end up having to pay a cost to preserve your assets, which is heading to cut into your earnings. This is when it is time to begin selling off some of your assets, and quit investing money you don’t really have to spend. Then, you will really start to see your profits start to soar.

Freight Shipping Industry Concerns

The freight shipping industry has been on a fantastic ride for the last few years. The volume of shipments has increased exponentially and the number of freight forwarders and shipping providers has increased dramatically in order to keep up with demand. Although the freight shipping industry was impacted by the global recession in 2008 with many companies facing bankruptcy or going into receivership, overall the industry has remained bullish. The reason for the strength of the industry is simple businesses and individuals will always need to have their goods and products shipped to their customers.

Since the global marketplace has opened up drastically worldwide, it is now possible for consumers to shop twenty-four hours a day and for e-tailers to remain open in order to meet that demand. Naturally, with constant business being transacted, it means that freight shipping providers will always have work. The biggest problem currently facing the freight forwarders of the world is how to sustain the level of growth that they have been experiencing. It may not seem like a very complex issue, but it is, in fact, one of the most important that the shipping industry must resolve. The worlds shipping needs are currently being met because the infrastructure needed to sustain it is already in place. The problem arises from the fact that the current infrastructure is being used almost to capacity. If the freight shipping industry wants to continue expanding, it will have to begin creating new infrastructure to support the increase.

Now, creating the infrastructure requires financing something that the freight shipping companies may lack, and governments might not see the need to invest in building new ports, airports, railways and highways if they cannot see an immediate financial return from doing so. However, even if the governments from around the world were able to commit to building the needed infrastructure to allow the freight shipping industry to continue expanding, the creation of these new ports and airports will take time. The time needed to build the necessary infrastructure will, inevitably, have an impact on the speed of growth that the freight shipping industry is experiencing.

So, while it is true that the freight shipping sector can continue to expand for the foreseeable future, the long range forecast is far from clear. What is definitely clear is that the industry will have to begin investing in its future and also in finding ways to mitigate the eventual slowdown that all industry analysts know is coming.

The other very important point of consideration when it comes to the freight shipping industry is its negative environmental footprint. Engineers working for the shipping industry have been working on creating more powerful, more efficient engines for their sea and air carriers and they have also been working on ways of eliminating waste from their business model. However, the progress in this area is limited and still needs a lot of research and development to produce significant results. At least the reduction of the freight shipping industry footprint is on the agenda and being worked on diligently.