The Difference Between Niche Marketing and General Online Marketing

Online marketing is a popular method of spreading the word about products, services or information on the Internet. Companies from small local business to bloggers to large corporations advertise and market their products and services online. One of the reasons why people jump to the Internet every time they want to get the word out about something is because there are billions of Internet users all over the world. People search for all types of information and products while they are online, so it is very easy to get information to a ton of people very quickly.

The one issue with getting the word out to people on the Internet is that search engine marketing has to be used in order for people to easily be able to find the information or products that the company or person is marketing. This field is very competitive and millions of websites, people and companies are trying to get their products or services noticed. There are two major types of search engine marketing; niche and general. Here are the differences between the two:

  • General marketing does not typically target a specific group of people, while niche marketing targets a demographic of people who are going to be the most likely to buy products, services or read the information that they are providing.
  • Niche marketing uses very specific and targeted keywords in campaigns, where the general method often uses broad keywords that are very competitive and expensive.
  • Since general marketing often reaches people who have no interested in products or services that are being offered, the conversion rate is often lower; money is wasted and time is also thrown away.
  • General online marketing using search engines can be done when a company or person is marketing a lot of different products or services, but niche marketing is often used when a person or company is campaigning for one product or service (even though they may offer more).

Each type of search engine marketing is meant for different situations, but people often cross the tactics and use them both in order to achieve online marketing success. Niche marketing is becoming popular as Internet marketers look for a way to have success without having to deal with all of the competition that general search engine marketing provides.

Commercial General Liability Insurance – How to Get the Right Coverage

Commercial general liability coverage is a complex subject depending on the business to which it applies. Examples would be a small retail store that requires third party liability to cover a slip and fall type exposure only or right up to a large manufacturing firm that requires a wider range of liability coverage to cover its completed products and operations.

Any situation where a person attending at or using a service provided by the business or purchasing a product from the business can claim that the product, service or advise caused them financial or physical injury or harm. A single claim can literally wipe out years of hard work building up a business. Even if you have done absolutely nothing wrong and your product has worked exactly has it was supposed to, the cost of defending an action against your business can run into the tens of thousands of dollars. It only makes sense to make sure that you are protecting the business that you work hard daily to build. Despite this many small businesses are operating without any commercial general liability coverage and many are doing so because they are under the mistaken impression that the cost of the insurance is too high to warrant paying it. Having seen first hand the consequences of not carrying proper coverage I would not recommend that to anyone.

Each business must be assessed as to the exposures that their particular industry presents. Your broker must take into consideration your operations, your product, the source of your materials or products if obtained from a different supplier, where that supplier is located, whether you have alternative suppliers or do you depend on a single outlet, whether you manufacture your product of wholesale it only. Do you repackage the product and sell under your label or do you retail under someone else’s label. Where do you sell your product or service and what is the amount of gross sales in each area. How many employees do you have and do they need to be added as additional named insured. Do you own the building where the business is located or are you a tenant renting the location. Do you offer a warranty on your product or are there warranties offered by the original supplier.

Each individual industry has it’s own inherent liability exposures and your broker must address all of them in order to place the proper coverage. Endorsements such as completed products and operations, limits for equipment, stock and electronic data equipment, boiler and machinery coverage, installation floater, employee benefit liability and non-owned auto liability coverage are but a few of the coverage’s that need to be considered.

Certain industries also need to look at Professional Liability coverage. This is often referred to as Errors and Omissions Insurance. Many service oriented businesses such as hairdressers and beauty salons, home inspectors, general insurance brokers and other professional service providers require this type of coverage due to the nature of advise that they render to the clientele.

When you compare premium rates for commercial general liability insurance it is important to make sure that you are comparing the coverage provided by each policy and that the coverage being provided is appropriate for your business.

Yours truly,

Kenneth R Greig CFP. CAIB. RIBO.

General Merchandise Pallets As A Business Opportunity

General merchandise pallets include variety of items used in households like electronic goods, beauty products, clothing, toys, foot-ware and beverages etc. These pallets of general merchandise are actually liquidation closeouts, surplus, store returns, salvage merchandise or overstock goods which are sold to retailers at flea markets, swap markets or live auctions at prices much lower than their wholesale rate.

The traders or companies who are into this business have continuous supply of liquidated or closeout general merchandise pallets inventory which they buy from departmental store facilities, factories, manufacturing units or retail outlets from all around the places (various states to countries) at much lower rates than their wholesale price and finally sell out around to exporters, retailers, e-bay sellers, flea market vendors, outlet stores, online retailers, distributors, small suppliers, auctioneers and brokers at marginal profits. They stock hundreds of pallets of different product lines offering their clients the almost the best quality goods at discounted and wholesale merchandise rates. The goods like electronics, gift wares, clothing, footwear, home furnishings, furniture, toys, baby care products and much more which a customer gets at much higher price in retail outlets or brand showrooms can be obtained at much lower price than their MRPs from dollar stores or flea outlets etc.

On Internet one can get all information of such trading companies all around the world along with details of their product lines and services. Buying in bulk general merchandise pallets is beneficial to avail good discounts on already low priced products, thus making a profitable exchange. Most such companies take care of import and export of regular shipments to both local and overseas that can be weekly or monthly pick up from your door or delivery to your door.

For the final customer or buyer also the deal is obviously profitable too as he or she is getting to shop for clothing, accessories and general merchandise goods like household appliance or even food at one of such stores at a price much lower than other retail outlets.

General merchandise stores sell a large collection of goods. There are department stores, discount department stores, super centers and warehouse club stores and dollar stores that sell wide assortment of inexpensive goods or merchandise. Past some years have seen many developments in the business pattern and strategy of general merchandise pallets sale and buy process to meet the high competition level. Traders or retailers etc are trying to obtain goods directly from the manufacturers, removing the wholesale stage altogether while big retailers are trying to reach vast customer base directly through online stores or discount outlets.

Dollar General, previously known as J.L. Turner & Son, Inc was founded by Cal Turner in Scottsville, Kentucky. The concept of all products below $1 was introduced in 1955, and the instant success of the idea led to the conversion of all stores owned by J.L. Turner and his son. The names of the stores were changed to Dollar General Corporation in 1968. The ticker symbol “DG” was introduced to signify the inexpensive household products sold by the company. The symbol was also used in the New York Stock Exchange for trading company’s stocks. The retail stores deal in regional and national brands along with home appliances, food products, apparels, seasonal products and others.

The company has over 10,000 stores across 40 U.S. states and employs more than 80, 000 employees in different positions. The retail stores chain also has a plan to add over 635 additional stores in different locations and improve 550 present stores. More than 6,000 new employees will be recruited by the company to serve the customers and manage new and improved stores.

Applicants aiming to build their careers in the retail stores chain can submit their Dollar General Job Application to specific jobs in Stores Operation, Distribution Centers and Corporate Home Office for entry level positions to management level, hourly and salaried positions.

Job Application Process

The company provides Dollar General Job Application Form online. An applicant can download and complete application form with necessary details before submitting it. The important fields that must be filled include:

Personal Information

· Full Name and Address, Phone, Email Street City State and Zip code

· Social Security No.

· Minimum age of 18 years

General information

· Criminal Conviction information (Applicants from Massachusetts and Philadelphia are excluded).

· If any relative working in the company.

· Submit documents proving legal authorization to work in the U.S.

Employment

· Details of previous Dollar General employment and reasons for leaving.

· Positions Desired

· Pay Expected

· Available to begin work

· Work hours per week

· Hold any customer service distribution center or warehouse experience

Education

· High school academic and diploma information

· College Degree details

· Professional Qualifications and Certifications

· Other Skills

Work History

Work References

Notification and Agreement

The printed Application form must be dated and signed by applicants before submitting it. They can also attach resume and cover letter with the form and submit it online.

Once you complete the application process and submit Dollar General Job Application, you can wait for the confirmation from the company. If your details match with the company’s own requirements they will respond to your application.