Direct and indirect costs of accidents

E 'has been estimated that employers pay almost $ 1000000000 per week in direct costs associated with Workers' Compensation. What is all the more surprising by the National Safety Council, the indirect costs exceed the brand to a maximum of $ 1000000000 $ 4000000000 a week! With these facts in mind, this is really the time to cut your security?

Your raise the level of attention? I hope so, because this problem does not rest on the shoulders of the insurance companies. E 'rests on the shoulders of every business and we must do something. Now.

One of the first steps in fighting this growing giant, is to educate the people in charge of the compensation of their workers' and safety programs. Many of these people are only aware of the direct costs, which is what they pay for 'compensation insurance for their workers.

We have everything that you can keep your employees safe and healthy is priority number one, or shouldbe that any company in the country. However, his company to be profitable and competitive, remain a major player on the market. But sometimes, the companies will consider to reduce costs, reduce their security budgets and compensation of employees'.

With that said, this movement can end up costing the company more money than could be saved. Workers' Compensation and security budgets are too often seen as a kind of gray. Sense, it is very difficult to actually see a value and monitor the fruits of your hard efforts in dollars. The only thing black and white, the dollar out of workers 'compensation premiums' is.

As we have mentioned before, the direct costs of security and 'compensation premiums are paid workers, security, investment programs and financing. The indirect costs of any unexpected costs associated with a lesion refers to the employees described to return to the status before the injury. With aDirect and indirect cost ratio of 4:1, indirect costs should be> identified occurs, to understand the impact of each injury. Some of these costs include, but are not limited to:

Damage to equipment, machinery, materials, equipment, etc.
Downtime
Lower Austria work ethic
Loss of goods or services
Delays in shipping or orders to
Overtime
Lost Time Managers' resulting from the accident. This includes inspections,Studies, meetings, and administrative
Support staff in the accident. Includes first aid and witness statements
Recruitment and training of deputy
The wages of the workers' compensation
Other non-productive time incurred by the injured worker. It includes all medical
Potential OSHA penalties
Expenditure

A nice list, but has not yet cover all indirect costs. Understand that for every violationThat occurs in the workplace, increasing your workers compensation premiums' of all indirect costs associated with injury is the shade provided. Now is the time to limit the measures required to eliminate or, better yet, any injuries to your company for maximum productivity and profitability assured.

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The importance of direct mail is the cost?

As with any business rate, the rate is related in a direct mail campaign usually an important factor for advertisers is, before you ask. The cost of mailing campaign could create a direct relationship depends on many variable factors on the nature of the list of target audience, advertising to be provided to improve the quality of paper used to print the words.

Some of the most important variables on which the> Cost of a direct mail campaign depends, are:

1. The list of recipients that agents obtained from a direct mailing list - The cost of such a list could range from $ 20 USD per thousand addresses at about 200 This is a very important factor on which corners should not be in the interest of reducing costs, as the success of the campaign will be cut directly to the kind of public programs link. If the recipients do not have a targeted use for thatProduct that the advertiser wants to sell, then the whole purpose of direct mail campaign is lost. For example, there is a successful investment for a list of recipients, without a single problem for a campaign of intent for the sale of food products for infants and children as most of these individuals would not be interested in the product are collected.

2. Quality of direct mail campaign - If you plan to send letters or catalogs printed on glossy paper, coloredDrawings and pictures on them, the cost could be much higher than just a mail with the paper printed on cheap paper. Since most of the postal service charges depending on the size of the e-mail or weight, increased costs corresponding to the increase of the size and weight of the package of mail, it would be wise to face the best and the campaigns direct mail point cut costs significantly.

3. Porto - Porto is the mostcost of the campaign, but can be as low as 12.7 cents.

direct mail marketing is a form of expensive advertising campaigns, can be chosen, which is the most successful. The costs incurred from beginning to end mail to the account of factors mentioned above would be somewhere in a dollar fifty cents a tie. The thing to watch out for the return of investment, could get even if you end up spending a lot of money for the campaign.

If onan average of 20 leads to generate thousands of messages and each of the lines considerably to cover the cost of the campaign, produced the expected profit margin, it is worth going for this type of advertising. Most postal services offer reduced fares for the front allows direct mail campaign in order to reduce the cost per advertiser. The U.S. Postal Service offers several packages of direct mail, the advertiser could choose a prospective study toto their needs.

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Low cost, simple and direct cremation or funeral? Keep the death with dignity, but at affordable prices!

Cremation is already on the rise, according to all of North America, and forecast a significant increase over the next fifteen years. There is a clear trend is changing the landscape of the funeral industry. A series of cultural changes that affect visible, because the Americans change their decisions late in life. As described below, led to the Cremation Association of North America (Cana) for research, were the following nine points as reasons for cremation now onto increase:

1. The elders die and choose cremation for themselves.
2. Migrate to positions of increasing retirement age.
3. Cremation has become acceptable.
4. Environmental considerations are increasingly important.
5. The level of education increases.
6. Ties to tradition are always the weakest.
7. Regional differences are smaller.
8. religious restrictions are in decline.
9. More flexibility in the services of commemoration.

CanaResearch to identify why not a large North American Cremation has become more and more - cost.

A report in 2006, the funeral industry (Wirthlin Report), sponsored five reasons why cremation is chosen as a principle
1. Saving money (30%)
2. Save the country (13%)
3. Easier (8%)
4. Body is not in the soil (6%)
5. Personal preference (6%)

This report clearly showed that the cost is a major reason for the cremation isto increase. Cremation is certainly a personal decision, but the decision to choose cremation for a cost of increasingly well. A simple direct cremation or can start at only $ 695, while a basic funeral will be $ 2,500, the costs are around. [These prices are examples and not a generalized funeral costs vary widely by state or province.] It 's therefore quite understandable, given that cremation is on the rise as economic times difficult to influence Americans'Pockets.

A global economic crisis is being felt on all aspects of life ... and death, and certainly can not be a true proposition, as it is "too expensive to die," these days! At a cost of great importance, and the small social assistance by the state, it is understandable why more and more people are turning to "the basic burial or cremation" as a solution. A direct combustion or funeral can be as simple as a decent expensive funeral so-called "traditional."

A simple funeral including the transfer of remains to funeral home, embalming, dressing, basic services of funeral director and staff, the use of facilities for viewing and the funeral (or supervision of the ceremony in another facility) a commercial vehicle, hearse, and the acquisition and archiving of all necessary certificates. Variations on a simple grave, the chapel service, can be done by varying prices.

A> Direct or simple cremation includes the collection and incineration of the dead without some form of faith or the funeral. usually includes basic services of a funeral, transportation of remains, the cost of cremation / crematorium, a receiver base for the cremation and the storage and archiving of all certificates and approvals necessary for the cremation. Rates may vary among providers, including this review the characteristics of direct combustion ofProvider. Even if a belief or memorial service is not included as part of a direct cremation, you can separately is a service. Alternatively, you can create your own monument in a place and time is close to family members. Many families are choosing their own memorial service in a personal way and in the right place to carry out their lost loved one.

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Read what Direct TV and Dish Network are regular prices

Both Dish Network and Direct TV several basic packages to choose from. If you want to decipher what the prices are advertised and what you pay for, look.

DISH Network regulate prices:

$ 19.99/mo. for 40 digital channels to 1 or 2 TV

$ 24.99/mo. for 3 or 4 of the TV.

Add $ 5 for local channels on this package.

$ 39.99/mo. for 115 digital channels for 1 or 2 TVs with DVR to two TVs. (Digital Video Recorder / TiVo) LocalThe channels are included in this package

$ 44.99/mo. for the same set-up, but 3 or 4 TV

$ 49.99/mo. for 215 digital channels for one or two televisions in two TV DVR w / Local Channels

$ 54.99/mo. for the same set-up, but 3 or 4 TV

$ 59.99/mo. for 265 digital channels for one or two televisions in two TV DVR w / Local Channels

$ 64.99/mo. for the same set-up, but 3 or 4 TV

DirecTV regular prices:

$ 29.99/mo. for 40 digital channels on a TV w / LocalChannels

$ 34.99/mo. "" 2 TV

$ 39.99/mo. "" 3 TV

$ 44.99/mo. "" 4 TV's

$ 52.99/mo. for 150 digital channels on a TV w / local channels

$ 57.99/mo. "" 2 TV

$ 62.99/mo. "" 3 TV

$ 67.99/mo. "" 4 TV's

(No free HD or DVR upgrade this package)

$ 57.99/mo. for 200 digital channels on a TV w / local channels

$ 62.99/mo. ""TV 2

$ 67.99/mo. "" 3 TV

$ 72.99/mo. "" 4 TV's

Upgrading to a TV Free DVR. Add $ 5.98/mo. for the cost of DVR service.

These are the most popular packages for each satellite TV service. So if you see the prices and promotions fantasy, now you know what really costs. I hope this helps. We've all been burned by the cable company before when we thought that our cable would cost "x" and then"Promo" ran out, and then seems to double. Remember, since both require 24 months Dish Network and DirecTV's commitment, if you see a price advertised for a time, just remember when you go to these "normal" prices are locked. At least with cable, if you blow up the prices, you can go via satellite. Just ask, ask, ask, what are the prices. But now that you have read this article, you now know.

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Postcard Direct Mail Marketing Tips and Ideas

The postcards are available, perhaps the least expensive way, a large number of people with your advertising message. Although they have their drawbacks, they are cheap to gain new customers. But only if you follow a few simple rules, professional direct mail copywriters follow.

Attracting their attention on Side A

A page is the page with a picture on it. A beauty of a postcard, direct mail, your potential customers do not have the sameto open. There in the morning mail is your advertising message seen by all. So make sure you put something on the page in which arrests the attention of your prospect. Here are some ideas:

1. a photo crazy

2. a photo of the product in a unique

3. a claim outrageous (but true)

4. Your unique selling promise in an intelligent and interesting, he explained

5. Their perspective, the problem (the one that solves your product or service) explained or presented in a convincingVia

The only goal of the A-side is the attention and the interest stopped. OK, so that the two objectives. You have to motivate your prospect to turn around your postcard to the side to read. So make sure an arrest of lateral and interesting, but do not tell your whole story.

Sell them on the B side

Side B is the one with the address and postage stamp. Here you can define lust and subject your readers to action. You do not have much real estate on which gives the sales pitch,strengthen Stick to your advantage. Describe in clear and convincing, that the reader gets to purchase the product or service. Not enough space here to say enough is to make a sale, so that only sell the next step.

Ask for the next step, not the order

The next step in these days is to visit often for the prospect to your website. This is a good use for the direct mail postcard marketing: take our potential customers a special page on your website (called a landing page)where you give the dog and pony show together and give prospects a convenient way to part with their money, if I may say so.

The next step is for the reader to call you, or to visit your company. Both use the direct-response postcards. Thus ensuring they say good enough, strong enough and in a way, this side of the board of a potential buyer to pick up the receiver and begin to motivate your head. This brings us to your offer.

Make your bidirresistible

All messages must be offered. The offer is what will motivate you dangle in front of prospects, the next step to take their business. What sells and what is your offer, they are two different things. For example, using direct mail to promote the credit card banks. This is what they sell. But you see now are acting to extend an initial interest rate and temporary only 2.5% (with some conditionsof course!). This is their offer. Your bid is to overcome inertia. And so it should be. Make sure your card with a strong offer. provides for more efficient information processing, please read the many articles I have written on this subject found on my site.

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Direct Mail Direct Marketing and how it has changed

direct mail marketing and its advantages and disadvantages have been reviewed, analyzed and celebrated and criticized many times by experts in the field of marketing. Although the direct mail and has been around has been used for marketing purposes with varying success in different businesses, is its unquestionable importance.

A few decades ago in the use of e-marketing strategy was just to win attention. E 'was used primarily to sell productsPeople in remote areas where the purchase of the latest products available on the market was a challenge for the lack of supermarkets and shopping malls. The sender and the recipient has the choice to order a variety of products via e-mail with the order was a very promising prospect at the moment.

As consumption has grown by leaps and bounds over the past few decades, the possibilities of direct-mail marketing also changed. Direct mail began to be increasingly used inStrategies for specific groups of people for the sale of certain products. It 'been in your face advertising at its best. Compared to advertising on television, radio and newspaper advertising with direct mail is more personalized and found to generate more leads to sales for the company, the campaigns have been using these products to help them.

Before the advent of direct mail marketing was a direct product of the management of sales staff that is committed at home.Although the success rate with this form of marketing as high as 2 to bring 10 homes visited, it was not a viable option, there was a restriction on the number of people who were the recipients of this form of marketing. Marketing costs associated with this kind of high was also right.

Another method was to distribute leaflets door to door, details are contained in a product, and listed their achievements. This method has been found largely ineffective and wasovershadowed. The advantage of marketing in collaboration with Direct Mail is that compared to other forms, has a longer range. If the target recipient after careful filtration weed out prospective blind alleys for the production of lead, then elected, the success rate of this strategy is highly desirable. The marketing costs associated with direct mail was significantly lower than the methods Traditional also mentioned.

HighestLead generation also ensures that the return on investment. It 'was an ideal strategy for small business adopted in order to promote their growth. For companies established meant expansion. Even though email marketing direct marketing campaigns participated in the competition was new marketing strategies such as online advertising and e-mail that he still has his kingdom.

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The enigma Great Direct Marketing

Many entrepreneurs have a house of sleepless nights thinking of ways to transform your project into a unit of higher profit and build it has released its main source of income. This is never easy for a home business because most start-ups, the initial lack of flows of cash and face. A little 'short of cash business would also find some' uphill to get outside financing. The best way, someone will say to you is to advertise ... All the big companies do and made very well. Without doubtAdvertising, PR you have a big impact on sales, but also for the owner of a home business can be prohibitive at first. The trick is in a creative and a little cost - high impact strategies. Go through the help pages on the Internet and there is plenty of choice.

We propose that direct marketing on top of your list. Why? There are several reasons:

- It 's more convenient than mass media strategies Advertisement

- There is less "spill - over of the mass media, such as advertising and public relations

- You can "measure" the impact of direct marketing

The solution to the riddle Direct Marketing

By definition, a direct-marketing and sales promotion, in which the advertising material delivered individually to potential customers via direct mail, telemarketing, home-to-door sales or other> Direct means. Direct marketing is one of the most effective marketing tools a home business owner can use profitably expand their business and make more. It may help to maintain the visibility for your company and educate the public about the products and / or services you sell.

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Direct marketing is not complicated, confusing marketing option that few leave frustrated and down with athousand dollars. If with the right planning, concentration and creativity, some running, these tools can do wonders for your home business. Some of the best direct marketing tools and the most popular are:

Brochures: A brochure is your sales staff in the newspaper. Give your potential customers all the information you need for your company, the opportunity, your products, services, know-how and a platform for evaluating contact you for more information. A brochure createdserious and careful with details expected all this and more can be done to you. Some tips:


A persuasive cover letter is a must to always read the views of the entire brochure
A well-designed brochure, the target to keep in mind the level of sophistication in both style and content, and the market operates in
A brochure is now the prospect of sending a request for business are pursued. Do not forget to add your contact information, a postageEnvelope is enclosed with the pamphlet is a good idea.

http://www.powerhomebiz.com/vol134/brochure.htm


Direct mail: Direct Mailer includes sending promotional mailings, flyers, reply cards and other advertising material by mail order pre-expressed on a mailing list of potential customers. When the target group-oriented, accurate, you can quickly get answers and do not have to cost a lot. The most important part of directMailing list building a strong list with the correct name. You can develop this list through its own records, or buy lists from a list broker. You could also try to help the SBDC (Small Business Development Center), a national program sponsored by the SBA to take that know-how, for operators of small businesses and home and have access to targeted mailing lists that as a customer SBDC. offer a look at http://www.sba.gov/sbdc
http://www.entrepreneur.com/article/0, 4621,317818,00. html
Telemarketing: Telemarketing mailer you can use the same list for direct marketing. Look for the message to suit a phone call, keep it short conversation. Telemarketing, by far the fastest result. A call can get appointments for sales team demo or a meeting to talk about your business. Another important response, he can obtain, is a negative confirmation. This will helpYou tune your list of best and most time and money in an attempt of a person who does not know is to contact your services or simply do not care.
Postcards: One of the biggest advantages of using postcards is its "openness", literally. Use compelling copy and creative on postcards. Team with visual content, and nine out of ten cases, the beneficiary is likely to read at once rather than downloading the trash. It is an effective anda very economical way to keep in touch and in contact with existing and potential customers.
E-mail: The WWW is the source of life at home business, you can ignore e-mail? It 'easy to economic and time-saving direct marketing tool rather than the message to get thousands of people who respond with equal ease. Decide on the copy very carefully so that it stands above all the junk mail that the account holder to receive a daily basis. You canbuy mailing lists from list brokers. Refine your message to be able to pack the most important information in a short paragraph. Add visual link to your site and contact information. This should include a phone number and fax number, postal address and name of contact person.

Before you begin an exercise in direct marketing spend lots of time to assess what tools would be better for business, effective, but not prohibitively expensive, as would beIt measures your message for brochures, mailings, e-mail, etc., so that, by disorder and maximum impact. Once through, spend much time creating the mailing list with the correct name. You will be hundredths of a degree lower than the cost of the exercise list to also be 30, but have a mailing list of 20,000 people all the wrong name .... every penny has gone down the drain! Someone once said: "There is a difference between efficiency andEffectiveness. Efficiency is the right thing to do, but the effectiveness is the right thing! "Then at work, an effective direct marketing plan and watch your business expand and financially sound.

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