How to Get Affordable Car Insurance in Ohio

People who live in the state of Ohio may be in for a surprise when they open their mailbox. In this state the Bureau of Motor Vehicles sends out 280,000 requests a year to see proof of insurance. Once someone receives one of these notices in the mail they only have three weeks to prove they have insurance. Although it’s obviously mandatory to have car insurance, some people forego it because of the price. There are ways to find affordable car insurance and some are not things most people are aware of including:

o Using one insurance company for all your policies including car, home, health and life. Insurance companies give discounts to individuals who purchase more than one type of insurance from them. Ask your health insurance or life insurance agent about a quote for car insurance.

o Buying a car that costs less to insure. Most people never consider the insurance costs that are associated with a particular type of car before they buy it. Call several insurance agents and ask for quotes on a car you are considering buying. You may be surprised to learn exactly how expensive it is, and if you find this out before you finalize the sale, you can save yourself a lot of money.

o Mention that you have a car alarm or consider getting one. A car alarm is a great idea for many reasons including the reduction you are likely to experience in insurance costs. Any effort that you make to keep your car safer is viewed in a good light by the insurance company. You’ll have to be prepared to show proof that the car alarm system is indeed installed.

The most important factor in determining your car insurance rates is likely your driving record. If you have been in more than one accident in the last few years or you have a pile of speeding tickets with your name on them, you are obviously going to have a more difficult time getting an affordable rate. If this is the case, make a resolution to start driving safely now and you’ll see your rates steadily drop.

How the Internet Affects Traditional Media

Traditional Publishing, REST IN PEACE

This is the headline that greets you when you land on a web page erected as a memorial to commemorate the decline of Traditional Media. A photograph of a man who seems to be in distress and who’s possibly just lost his job accompanies this headline. If this does not paint a bleak picture, go on to read the 548 headlines that all sing to the same tune as the following:

  • Bad Times: NYT Says Revenue Fell 13.9% Last Month

    – Forbes.com

  • Men’s monthly magazine Arena to cease printing after 22 years

    – Guardian.co.uk

  • Cosmopolitan UK publisher to cut 100 jobs

    – Guardian.co.uk

There’s even a website entitled Newspaper Death Watch that chronicles all the publishing and newspaper houses that close down. All rather morbid wouldn’t you say?

The Deadly Spell

Let’s take a quick look at Traditional Media and how the Internet cast it’s deadly spell.

Back in the old days, we’re talking 500 years ago; Gutenberg revolutionized the printing industry by inventing the printing press. This meant bibles could be produced at a fraction the time it used to. This also meant more copies in a shorter time and the Word of God got further reach in a shorter time. Newspaper houses and Magazine publishers still use a printing press today (well thank you captain obvious).

Much later, shortly after the advent of electricity, the world was blessed with another few media breakthroughs, namely radio then a few years later, television. Marketers and Advertising agencies had it all figured out as they devised Integrated Marketing Campaigns with astronomical budgets. Ah, the good old days. Well, much to the dismay of many of these agencies, this media landscape started to change.

Behold! Enter The WWW

At first a website was seen as a cute way to put your company brochure online and on top of that the disastrous dot bomb era created skepticism that labeled the Internet as a bad media and business channel.

Fortunately, since then the Internet has matured. Now, in countries where broadband has achieved high levels of household penetration, the web has become the consumer medium of choice.

Why? Because people can do research, shop online, watch videos and connect with friends all in the comfort of their own homes. People can choose what media they want to consume, where and when they choose too, especially with mobile connectivity. Marketers can no longer dictate what advertising messages people get subjected too.

Social Media, The New Black

Then there is the phenomenon of Social Media. It changed the media landscape forever. Social Media websites have allowed consumers to connect with friends, family, colleagues and peers in ways that were never imaginable a few decades ago.

Technology has empowered the consumer to become the Prosumer. Prosumers are consumers who produce content such as videos, photos and blogs that can be instantly distributed and shared amongst millions of people via social media platforms. This is also known as user-generated content or UCG.

Here is an interesting bit of trivia about the reach of Traditional Media vs. the Internet and Social Media.

Years it took to reach a market audience of 50 Million:

  • Radio – 38 Years
  • TV – 13 Years
  • The Internet – 4 Years
  • The iPod – 3 Years
  • Facebook – 2 Years

So How Does The Internet Affect Traditional Media?

The Internet has decreased the need for Traditional Media because it enabled consumers to join social societies within their neighborhoods, across their countries and internationally. It has empowered them to converse at their leisure, 24/7, with friends.

Considering all that’s been said, the demise of Traditional Media can largely be attributed to the following factors:

  1. Decline in readership: The distribution of free news and information on the web has led to the decline in readership for traditional publications.
  2. Decline in revenues: The decline in readership means advertisers will spend their money elsewhere and this leads to a decline in ad revenue.
  3. Real-time updates: Traditional Media can’t compete with instantly updated user-generated content that’s immediately available for the world to see.
  4. The rise of UGC websites: People have the freedom of unlimited real time commentary on content while Traditional Media is static and is a one-way communication tool.
  5. Online Audio/Video channels: People can choose what they want to watch and listen, when they want to and where without any advertising interrupting their experience.

Simply put. The Internet has revolutionized the way things get done today. It has revolutionized the way we do business, the way we communicate and has broken down the walls of Traditional Media.

A recent example is the decision by Unilever UK to fire Lowe, their Ad agency of 15 years, in favor of crowdsourcing – which means it has thrown the brand creative pitch open to agencies and basically any person who can think of an idea, worldwide. This is done on the Internet of course.

Traditional Media will still be around for a while, but the Internet is getting more and more integrated into our daily lives.

Think about this. You could do without the Mail & Guardian or the MensHealth Mag for quite some time, perhaps live quite happily without it? But you just dare cut that ADSL connection…

The Benefits of Non-Profit Branding

To the uninitiated, branding is synonymous to the image of a logo. Yet, branding is much more than a logo. What then, is branding? “Branding is endowing products and services with the power of a brand” (Kotler & Keller, 2015). One can clearly tell from this definition that branding is much more than a logo, a website or a brochure.

In times past, non-profits adopted the concept of branding mainly for fundraising purposes. Today, branding has evolved beyond fundraising purposes and offers the following benefits:

1). Builds Trust

An effective branding strategy that communicates the impact of a non-profits work engenders trust. By sharing its’ activities and progress, people become aware of the role the non-profit plays in its’ community. With the trust earned, a non-profit can easily garner support for its’ causes.

2). Advocacy / Expanded Support Base

Once people become aware of a non-profits’ work, it becomes easier for them to connect with its’ brand. Consequently, they not only become loyal adherents of the non-profit but they also become its’ advocates. This can serve the non-profit in many ways. For instance, success stories shared on a non-profit’s social media page can be re-posted by loyal adherents and shared with their friends. Such activities have the power of expanding a non-profit’s support base since a wider audience is reached through the act of sharing.

3). Increased Funding Opportunities

A strong brand improves the rate of success of a non-profits’ funding endeavors. By creating a positive brand image, it becomes easier to engage favorably with funders and stakeholders alike.

4). Facilitates Partnership Formation

A strong brand makes it easier for a non-profit to forge meaningful partnerships. The ability to collaborate with other organizations enhances a non-profits ability to implement projects that have a wider reach/scope. This in turn creates a favorable perception for the non-profit and influences its’ fund-raising potential.

5). Reflects a Non-Profit’s Identity

According to Nathalie Kylander & Christopher Stone (Spring 2012 Blogpost), a ” brand embodies the identity of the organization, encapsulating its mission, values, and distinctive activities”. In essence, a thoughtfully planned and executed brand image will convey the ideals of a non-profit to its’ constituents and the general public in an effective manner. It will aid in reflecting the unique value proposition of a non-profit while differentiating it from other entities.

Thus, its’ constituents and the general public will be in a position to familiarize themselves with the vision of the non-profit while keeping track of its’ achievements. As a result, the process of nurturing relationships with supporters(such as volunteers) and sympathizers to its’ cause while entrenching its’ position will be greatly improved.

It is essential for a non-profit to develop a compelling and consistent brand since it engenders trust among its’ audience, expands its’ support base, increases its’ funding opportunities, facilitates its’ ability to forge partnerships and reflects its identity.

References:

Kotler & Keller: Marketing Management (2015), American Marketing Association (AMA)

Nathalie Kylander & Christopher Stone (Spring 2012). The Role of Brand in the Non – Profit Sector[Blogpost]. Retrieved from https://ssir.org/articles/entry/the_role_of_brand_in_the_nonprofit_sector#bio-footer

Traveling in Mexico: Internet Cafes in Mexico City’s Zona Rosa

INTERNET CAFES IN THE ZONA ROSA

While you're tooling around Mexico, you'll want to stay connected. Mexico City has excellent internet café facilities even for those who Spanish is not the greatest. English is spoken in many internet cafés in the Zona Rosa and Historic District. Here are some of your e-café options.

Café Internet Victal

Address: Hamburgo No. 108 local 101 at the corner of Genova

Phone: 514 – 4161, 672 – 3821

With a going rate of 20 pesos per hour, this is one of the cheapest full-service Internet cafés in the area. Chats, computer games, and office programs (word, Excel, etc.) are also available. The staff is knowledgeable and helpful. The Victal is open from 9am to 9pm Monday through Saturday and is open on Sundays half a day. There are many computer-related services available – if it has to do with computers, they can probably do it or have it. Getting into the place is tricky at first. From the corner of Genova walk down Hamburgo about a quarter of a block. Enter the building through an arcade doorway and go up to the second floor. The entrance will be there but you'll have to look closely for the signs. The only visible signs from the street are above your head at the second story level with no clue for finding the entrance. You may have a short wait to get onto a computer but this place is worth the trouble.

Coffee Net – Zona Rosa

Address: Florencia No. 35 Local E (between Hamburgo and Londres)

Phone: 533 – 0844, 533 – 1760

An Internet café – cafeteria featuring a variety of gourmet sandwiches, salads, gourmet coffes and cappuccinos. The hourly rate is 25 pesos. Services are acceptable quality but a bit costly. Centrally located with good quality but pricey food.

Coffee Mail

Address: Amberes No. 61

A 24 pesos hourly rate internet café with standard fare. Similar in structure and price to Coffee Net but with less selection of sandwiches, coffees and foods. Regular customers typically come in to check or send e-mails. Other services are available but not heavily used.

Café Internet Red 2000

Address: in the Insurgentes metro station plaza

Phone: no phone

After exiting the metro at the Insurgentes station, this Internet café is in the outside plaza surrounding the station entrances. Long distance phone services are available through the internet. Rates are: 15 minutes 8 pesos, 30 minutes 16 pesos, 45 minutes 24 pesos, one hour 30 pesos. Only sodas and packed snacks are available.

Conecte Cafe

Address: Liverpool No. 140 (near Amberes)

Phone: 587 – 6179, 587 – 7737

A very well run internet café with full computer services including scanner, photoshop, translations, printing, Microsoft office and MP3 software available, all at reasonable rates. The internet use rate is 20 pesos per hour but there are only a few computers. Located across from Harmon Hall and Quick Learning building. There is also another Zona Rosa location at Genova No. 1. 71 on the first floor near Londres.

NOTE: There are other Internet cafés around the Zona Rosa area with varyingly higher prices for similar services.

In the Historic District:

LAFOEL Internet Service

Address: Doncelles No. 80 first floor (two blocks from the cathedral)

Phone: 512-3584, 521-2978

Open Monday to Friday from 9 am – 8 pm and Saturdays from 10 am – 5 pm. Rates for services are: 10 pesos for 15 minutes, 20 pesos for 30 minutes and 30 pesos for one hour. Conveniently located near the Zocalo but a bit on the high side for service costs. Okay just to check mail or send a quick message though. They also rent computer equipment. Just be sure to confirm the rates before signing anything or leaving the promises with equipment.

Finally, be sure to check out my other articles in the two continuing series: Teaching English in Mexico and Traveling in Mexico. If you would like more information, have questions or comments, the author can be e-mailed, see below.