Hopefully lessons will been learned from the crisis, do not try to rebuild business on the principle that Marketing & Advertising are always right!The words “60% of all advertising, globally is wasted” were splashed yesterday across the marketing papers. This kind of unanimity in the trade press is not coincidental – “If it ain’t broke, don’t fix it” the advertising community do-nothing mentality was taken to its logical extreme by the preparation of $3 million ads for the Super Bowl by doltish advertising agencies apparently totally unaware that they are all well past their sell by date.To have any hope of repairing the damage left behind by the highly dishonest and incompetent banks, big business must first convince the majority of the population that they are really capable of fixing the problems.. Not only are we trapped in the worst recession in living memory. but behind all this lurks a horror even more shocking; the entire marketing/advertising-economic model of free enterprise, rugged individualism, creative advertising and marketing is broken beyond all hope of repair.Marketing/Advertising on which the Western world built its seeming success seems to have completely broken down. How else can one describe a situation in which all of the countries main financial institutions and many of its biggest industrial companies are effectively bankrupt and on government life-support?The crisis triggered by September’s Credit Crisis appears to have discredited many of the assumptions on which our prosperity and democracy was founded. In this sense, it really is possible to compare the credit crunch, as Ed Miliband did last weekend, to the fall of the Berlin Wall. In 1989 the world, from China and Russia to South Africa, India and Brazil, concluded that there was no serious alternative to market forces as a means of organising productive activity. In 2009 the whole world seems to have reached the opposite conclusion – that free markets and financial incentives together with marketing & advertising, lead even the richest and most sophisticated societies to disaster.There is, however, a crucial difference between these pivotal years and this brings us to the positive side of our message. Communism was a monolithic and inflexible system that worked against the grain of human nature and had to be brutally imposed. Capitalism, by contrast, is a constantly evolving and organic set of human relationships. It advances by trial and error and takes a myriad different forms. Thus the demise of the post-19W fundamentalist faith in market forces as the solution to all social problems now offers us all the chance to preside over a new evolution of capitalism, including Marketing & Advertising. making Advertising & Marketing into a more stable and ultimately more successful form of business. Creating this new kind of marketing & advertising will be the most important challenge to us all.But two features of this evolutionary process can already be suggested. First, it is clear that America will continue to lead the world in marketing & advertising, but also as a model of economic management.Second, we must encourage much more pragmatic thinking around the world about when Advertising & Marketing are useful and when they are useless, about the right balance between the profit motive and social objectives, and about the relative efficiency of private and public enterprises. The question we ask today is not whether Marketing & Advertising is too big or too small, but whether it works.The most important asset that we need today and in the future is not just money but a way of thinking, specifically that businesses biggest problems have to be addressed in a businesslike way in the sense of a serious focus on results, there is no advertising accountability at the moment ; understanding which advertising has had the most impact; a determination quickly to scale up solutions that work and a toughness in shutting advertising down that does-not work.Undoubtably the crisis could well be the cause of an idea whose time has come, for the new model of Marketing & Advertising that we must now invent More generally, financial.regulation and macroeconomic management will surely now recognise that naive theories about “efficient” advertising/ marketing and the highly dubious claim they spawned “advertising works” were a major cause of the entire financial disaster. It will still be capitalism, but Marketing/Advertising will not try to rebuild business on the principle that “marketing and advertising are always right”.
Automobile warranties are a great investment to make. We all know that sometimes our automobiles can break down at any time. Automobile repairs can be very serious and can require hundreds, or even thousands of dollars to pay for them. In today’s economy many Americans cannot afford to make the necessary car repairs for their automobiles because of the immense repair costs.
Getting a warranty on your automobile can protect you from having to pay most, or if not all of your necessary automobile repair costs. You can obtain an automobile warranty through your automobile’s manufacturer, or you can ask your local car dealership about warranties. Most new automobiles come with some type of automobile warranty called a factory warranty, but you can always purchase an extended warranty when your current automobile warranty expires.
There are two different types of warranties for automobiles; the power train automobile warranty and the bumper to bumper warranty. The bumper to bumper automobile warranty covers most of the car’s parts except those that need repair due to constant use and wear such as tires, wind shield wipers, brakes, brake pads etc. This can be a good warranty to have because it covers the most expensive repairs that might arise. The downside is that you still have to pay for the repairs that are caused by wear, but it is still a good warranty to have because it protects you from larger problems.
The power train automobile warranty covers all the moving parts of the automobile such as the engine and transmission. This is a great type of warranty because a transmission can cost over $3,000 to repair and if your engine goes as well, it is just as expensive, if not more expensive than replacing a faulty engine.
The bad thing about purchasing a new automobile, is that even if the car cannot work mechanically, you will still need to make the monthly payments that you agreed to when purchasing the vehicle. If you purchase a warranty or an extended warranty on your automobile then you are protecting your investment. You don’t want to have to make monthly payments on an automobile that is parked in your front yard because you cannot pay for the necessary car repairs on top of your monthly car payments. When you go to buy your next automobile, consider purchasing a warranty if your automobile does not come with one. You will be grateful when you need a car repair and your coverage takes care of the expenses. Any warranty pays for itself in the long run.
Do not attempt to drive an automobile in the state of Maryland without automobile insurance. If you are caught driving on a public road in Maryland without automobile insurance your license plates can be confiscated and your registration revoked. No new registration and no new plates will be issued to you until you can prove that you have the required insurance coverage. In addition you may be subject to additional criminal penalties imposed by the courts.In other words, it really doesn’t make any sense to even try to drive an automobile in Maryland unless you carry insurance.Automobile insurance in Maryland does not have to be prohibitively expense for most drivers. In fact, there are several things you can do to help keep your rates as low as possible.Start by keeping a clean driving record. A speeding ticket or a drunk or impaired driving conviction will cause your automobile insurance rates to rise to the stratosphere. Likewise, accidents, especially accidents that are deemed your fault, will also cause your monthly premiums to rise sharply – and once your premiums have risen because of any of these factors they are likely to stay high for several years. Changing insurance companies does no good; your records are available to all automobile insurance companies.If you are below 25 years of age then you know that automobile insurance is especially costly for you. If you are still in school and you want to keep your rates as low as possible then stay in school and work hard; average grades of “B” or better will save you as much as 5% in monthly premiums at most insurance companies. This is known as a Good Student Discount.If you are 55 years of age or more you may have noticed your automobile insurance rates creeping up. They don’t have to remain high, however. Talk to your insurance agent and see if your company offers a discount for seniors who have successfully completed a refresher driver’s course. Many companies offer a monthly premium discount of as much as 10% to qualifying seniors.If you have an older car, especially one with little or no trade-in value, you might consider canceling your collision and comprehensive coverage on your car. If your car is damaged in an accident your insurance won’t pay for its repair or replacement, but if your car had little Kelly Blue Book value before the accident then your insurance company would not have paid anything for it anyway – so you really lose nothing and save a considerable amount of money.One of the most dramatic things you can do to lower your automobile insurance rates is to increase your policy’s deductible. Your deductible is how much money you will pay out of your own pocket if you should have a claim. Since you will be paying for a portion of each claim your insurance company is willing to reduce your monthly premiums.O.K., now it’s time for you to jump online and check out at least 3 of the many websites that offer to let you compare automobile insurance policies and prices at multiple insurance companies side-by-side. Take the extra time and fill out all of the necessary information on at least 3 different comparison websites. In this way you will be certain to have compared every insurance company that sells automobile policies in Maryland and you can rest assured that you have saved money and gotten discount automobile insurance in Maryland.The point of all this is that you are not helpless when it comes to controlling how much you pay for automobile insurance here in Maryland.