If you’re looking for a new and different way to get your company’s message across, consider aerial advertising. It might not seem like the most obvious, reasonable use of your advertising dollar, to employ plane advertising, but humor us for a moment.Think about the myriad of ads you see and read on a daily basis. There could be hundreds, when you consider the newspaper advertising, the ads on the radio and television, and billboards.Now think about the ads you have seen and ask yourself how many you remember. Maybe you remember the nearly naked woman, but anything else? Do you even remember the product she was selling? Do you remember the ads you saw for energy drinks and jewelry?It’s likely the answer is no. But you might likely remember that plane flying over the beach last summer. You remember what it looked like, what it sounded like, and – best of all – you remember the banner it was towing. That’s because aerial advertising is one of the best uses of advertising dollars. People remember the message they see when it’s towed behind a plane.Why do people respond well to airplane advertising? It’s likely due to the novelty factor. We are bombarded with more traditional advertising, but plane advertising is novel and unique. It’s unusual and different. People see the airplane messages and they think about what they saw. They might remember the product long after the plane is out of sight and the airplane advertising is long gone.Here’s what we know – people remember anything that’s unique and different. If it makes them look skyward, if it makes a noise and it if presents a message that’s short and sweet, it will be remembered. Airplane advertising is effective because it employs all these techniques.Consider these interesting facts about plane advertising. According to recent studies:* 89% of those surveyed said they remembered the airplane messages more than 30 minutes after the airplane was out of sight.* 79% of those surveyed said they remembered what the airplane banner was advertising* 67% were able to retain at least half of the airplane advertising message.Other forms of advertising might bring in numbers for each of these categories that are at the 50% rate. That is, about 50% of consumers will remember a billboard or magazine ad, but not 89%. Often, you remember seeing an ad, but can’t recall what the advertising was for. Clearly, that isn’t the case with aerial advertising.And why is that again? Novelty, novelty and more novelty. It’s fresh, different and interesting. People focus on it because it’s fresh and different and when they focus on it, they remember it. They can recall it when asked later. They think about the product or service advertised and, when they recall it later, they might seek out that product or service. That’s called good advertising.Business owners should consider the novel and unique approach that airplane advertising can bring. If the goal is to be noticed and remembered, plane advertising ensures just that.Aerial Advertising services are available from many companies that specialize in this type of advertising. The Internet is a good source of information when it comes to choosing aerial advertising services.
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6 Ways Health Care Directives Fail
One of the most important pieces of a person’s estate plan is the Health Care Directive. Simply put, the Health Care Directive (or HCD for short), spells out how a person wants to be cared for when they become disabled. I say when they become disabled, because people are six times more likely to become disabled than die in a given year. We will all be disabled at one point; it could be the last 20 minutes of our life or the last 20 years.Because of the risks of disability, it is wise to have your health care wishes legally stated. This is where the Health Care Directive comes into play. The HCD will state the treatments or procedures you would like once you become disabled. Additionally, the HCD will state the treatments or procedures you would not like. In fact, stating what you would not like may be just as important.Since it is such an important document, the HCD should be reviewed every three to five years. Just like a Will or a Trust, the HCD may need to be updated. Here is a list of six ways that Health Care Directives fail: Not in Doctor’s Hands (Accessibility)-When the time comes for you to use your Health Care Directive, you may not be conscious. If that’s the case, you will want your HCD to be in your doctor’s hands when you arrive at the hospital. In fact, this is a simple step that many people do not take, which can lead to your wishes being dismissed when a new HCD is created (see #6).
No HIPAA Authorization-An incredibly important document that should accompany your Health Care Directive is a HIPAA Authorization. HIPAA stands for the Health Insurance Portability and Accountability Act. This document authorizes other Loved Ones to receive updates on your treatment status. If you are an elderly parent, you may want your adult children to know about your health.
Not Properly Written-A Health Care Directive that is poorly written will not get better with age! Different people want different options when it comes to deciding their healthcare choices. Usually a “template” HCD cannot offer these choices.
Wrong Parties-The people whom you designate on your HCD should actually be the people you want to make decisions on your behalf. Surprisingly, I have seen many HCDs that spell out the wrong people (or parties).
Old / Out of date-What happens when the person you designated as your Agent seventeen years ago has already passed away? Or what happens when your Agent has moved to California and won’t be able to travel to Minnesota? An out of date HCD is a ticking time bomb.
Revoked By Accident-Yes, this happens. In fact, it can happen quite easily. Here’s how: if the doctor at the emergency room asks your spouse or child about a HCD and they are unsure, they may sign a new “template” HCD right in the emergency room lobby. Chances are, this “template” HCD may not be the same as the well thought out version you completed with your attorney while you were peaceful and sound of mind.A Health Care Directive is an essential part of most people’s estate plans. However, it must be reviewed regularly to ensure that it continues to protect you as you wish. It’s a good idea to talk with an experienced estate planning attorney to see what is best for you.
Getting a Commercial Business Loan the Smart Way
Ever walked into a bank requesting a commercial business loan? Wouldn’t it have been nice to know ahead of time what your options were and how to qualify?In fact, being on the same page with the lender only helps the loan process to go more smoothly. When you go about getting commercial loans the right way, you can get exactly what you want and need.Let’s consider first things first. It’s important to know what constitutes a commercial business loan. Even though bankers have their own definition, the answer ultimately depends on you. For example, ask yourself, “Do I need…- A loan to buy, refinance or renovate commercial property?- A loan secured by other assets such as inventory, receivables, or equipment?- An unsecured business loan?- A cash advance (which is actually not a loan at all)?- Or something altogether different?”An experienced commercial loan specialist is skilled at assessing the best loan product available to meet your needs.Let’s imagine that you need a loan to purchase, refinance, or renovate a commercial property. (By the way, examples of commercial property might be multi-family dwellings, retail storefronts, office buildings, warehouses and the like.)Would you be curious about the easiest and most cost effective way to finance the deal? You might want to know credit score requirements and the amount of down payment you’ll need to qualify.Just like with any other loan, you’d likely expect a loan process that begins with an application and ends with a closing. Would you be concerned about how to excel through each phase of the process? Here are some questions you might ask:Your Questions…1.) Where can I go to get my question answered?2.) Where should I look for commercial business loans?3.) Can I find someone who is willing to hold my hand throughout this complicated business loan process?Real Answers…1.) Where can I go to get my question answered?Most would choose to go first to their local bank that carries their deposits. Others might look to their financial planner or accountant for guidance.However, these sources are often limited in their ability to secure financing sources that match your specific situation.For example, the local bank may expect you to have perfect credit along with a significant amount of deposits. They may not offer commercial loans without personal guarantees or without pre-payment penalties.2.) Where should I look for commercial business loans?Conversely, an established loan specialist will have access to a large number of banks and non-bank lenders who are more flexible and are willing to compete for your business.You can expect your loan officer to be able to point you in the right direction on where is the best place to apply based on your specific circumstance.3.) Finally, can I find someone who will be willing to hold my hand throughout this complicated business loan process?Yes, Indeed! Talk to your commercial business loan specialist. He or she will know which lenders…
Do NOT require perfect credit scores
Require less documentation
Close fast
And more
In fact, they’ll likely encourage you to get all your documentation together before ever approaching a lender. That way you’ll be in a position to know up front if you qualify. In essence, you’ll greatly decrease the stress of worrying about being turned down.A considerate loan officer will take the time to answer your questions and communicate with you throughout every phase of the loan process. Work with a good one and you’ll be prepared, confident, and most likely, approved.