How To Choose The Best Digital Marketing Agency For Your Business?

Often do we read news of fraud, scam and reports of some digital marketing agencies that add no value to their clients’ businesses. In a world where companies spend millions of dollars every year on digital marketing campaigns, the need to distinct good agencies from bad cannot be stressed enough.

Combining various internet marketing tactics with other forms of media and strategies, digital marketing has become one of the most effective methods of lead-generation, branding and procuring bigger customer-base. Broadly speaking, it can be subdivided into internet marketing, mobile marketing and offline marketing.

The importance of having a digital marketing agency for any type of business is obvious. It is the nature of any firm to focus its whole attention to the industry that it is in and subsequently to the primary objectives that form the company. This necessitates delegating other works like digital marketing to external agencies.

For example, a company that manufactures clothes will devote most of its workforce to manufacturing and selling clothes alone. The business of that company is clothes, not marketing or advertising; and even if it does its own marketing campaigns, there’s a better chance that a marketing agency, whose sole business is creating marketing campaigns, is going to do the job far better than the company’s marketing department.

And in a world where most consumers are now equipped with mobile phones, TV, internet and other electronic media, the need to digitize one’s marketing campaigns need not be mentioned. Because there’s a simple truth above all else: digital marketing works. It is cheaper than traditional strategies and visibly more effective.

So how does one find the right digital marketing agency to work with?

Choosing the right agency can be a daunting task especially because there are new companies springing up almost everyday. And because the variety of services offered by these companies is not the same. Let’s take a look at the various elements that will help you choose the best digital agency for your business:

Services Offered

The first thing you should always consider when looking for digital marketing agencies to work with is the nature and variety of services they offer. A good agency should offer as many services as possible under one roof. This will save you the trouble of finding another company for a specific service as you can easily delegate all your digital marketing needs to that company.

A full serviced agency typically offers:

- Web design and development

- Search engine optimization and marketing

- Mobile marketing

- Email marketing

- Social media marketing

- Online advertisement

- Online reputation management

Portfolio And Testimonials

A good digital marketing agency will always have a portfolio that consists of clients with visible levels of success. You can easily access this portfolio from their website. A portfolio page that lists a good number of clientele is more trustworthy than one that displays only a few.

Testimonials are another criterion to help in choosing a digital agency for your business. Good agencies will have feedback and testimonials from previous customers. The more testimonials, the better.

Online Presence And Reputation

It’s only natural for a company that deals in digital marketing to have a visible online presence. Does it have a Facebook page and if so, how many Likes does it have on the page? What is its Twitter following like? Social media presence and activity is a good measure of a company’s repute.

A quick Google search using the company’s name as the search term will reveal a great deal of information about the company, including reviews and feedback on review sites, if any. A search query that returns very little result may not be the best company to have your marketing work delegated to.


Any good company should have excellent support. Try contacting the digital marketing agency that you’re currently researching on from their website or via their Live chat application, if they have one. How long does it take for them to respond? Call them up and talk to them. Find out how knowledgeable their support team is. This is a company that you’re going to give a lot of money to, it’s important to know before-hand if they are worth investing in and that if you ever run into problems, they are there for you.

RMS Titanic Insurance Claims

It is exactly 100 years since the pride of the White Star Line, the RMS Titanic, hit an iceberg in the Atlantic Ocean and sank with the loss of over 1500 lives.

The centenary has prompted many insurance companies on both sides of the Atlantic to publish documents relating to the greatest maritime loss to date in relative costs, mostly showing their company’s involvement with claims payouts.

When the Titanic sank on the 15th of April 1912, the Lutine Bell was rung at Lloyd’s of London, and a very rapid claims process was begun.

A few months earlier the ships owners, the White Star Line, had instructed insurance brokers Willis Faber and Co. to find cover for the hull, cargo, contents and personal effects of the ship. Willis Faber passed the ‘slip’ to their Lloyd’s mercantile division where it was assessed and subsequently underwritten by multiple syndicates and insurance underwriters acting on behalf of members.

The Titanic’s hull was insured for total loss for $5 million or just over one million pounds sterling at the exchange rate of the time. The policy also included total loss cover for cargo at $600,000 and contents at $400,000 a value equivalent to two hundred thousand pounds.

The original broking slip passed around Lloyd’s has been lost, but was photographed and can be seen in Wright and Fayles book of 1928 called ‘A history of Lloyd’s’. It shows that seven large insurance companies took nearly forty percent of the risk between them and the other sixty percent was underwritten by over seventy individuals and Lloyd’s ‘Names’.

According to documents recently released by Willis the marine insurance policy cost White Star £7500 or $38,000 to insure the Titanic at a rate of 15 shillings per hundred. Modern day rates for cruise liners are considerably lower.

The Ship was considerably underinsured for a value of only five-eighths of its replacement cost. This was apparently because the owners thought the hull to be unsinkable and were prepared to bear the additional $3 million dollars of risk themselves.

Willis state that despite the owners belief in the vessel being unsinkable, they had trouble placing all the hull cover at Lloyd’s and some forty thousand pounds was underwritten in Germany. There was also an extremely high excess or deductible of 15% of the insured value.

Four days after the Titanic sank the US senate held a preliminary investigation at the Waldorf Hotel in New York. The surviving officers of the ship presented their evidence to the panel describing the events of the sinking and signed what is called a ‘protest’ which enable insurance claims to be paid.

Incredibly White Star were reimbursed for the loss of the hull within seven days of the sinking, presumably minus the excess, and fully paid up on cargo and contents losses within thirty days.

They were however grossly underinsured for their liability to others given the value of the people on board. Claims against the company exceeded their cover by over $1 million and whether they had private P and I accident cover for their staff liability, remains a mystery. Suffice to say that payouts to families of lost members of the crew, were paltry.

Claims for the loss of people amounted to in excess of five times what the value of the ship was worth, for those lucky ones who happened to have had life insurance policies or had taken out travellers personal accident cover. Although no disputes about loss of life occurred, families had to wait a lot longer than White Star for compensation.

The final payout for human losses has never been fully asserted as over one hundred and fifty different life of accident insurance companies were involved in cover, on both sides of the Atlantic. American companies took the bulk of the claims, due to the many rich entrepreneurs and millionaire family members who were drowned.

The total loss is estimated to be in the region of $20 million and one of the largest payouts was by the Travelers Insurance company of Hartford who paid out a life policy for over $1 million.

The sinking of the Titanic also brought about the first and only insurance claim for a car being hit by an iceberg, by a Mr William Carter who claimed five thousand dollars for his 25 horse power Renault, lost at sea.

Online Shopping For School Supplies

This season, when it comes time to back-to-school shopping, many parents have decided to switch to online shopping for the supplies and even Dell computers their children need. One could find anything and everything on a child's list for school through various online stores and Internet sites that are connected to real brick and mortar stores. Besides being convenient, getting supplies for school through online vendors, there is also a money saving incentive. Most of the online stores are significantly cheaper than the real world stores, even those connected to a real world store.

Canada online shopping is a big deal because they save even more money and taxes when they shop through the Internet rather than in the brick and mortar stores. Many of the online stores will offer free or very low cost shipping if a person's order total goes over a certain amount and with school supplies, this is easy to do. From notebooks to crayons and staples and pens, most of the online stores carry everything a student will need to outfit them for the new semester ahead.

Now is the time to begin hunting for bargains with all the back-to-school sales, even if one does not have a child going to school. These discounts are for everyone and anyone; They do not have to be a student in order to save money on things like laptop computers, folders, rulers and high tech calculators. Canadian online shopping consists of many different electronics, school supplies such as notebooks, pens, papers and books as well as discounts on clothing and shoes, everything a student would need to go back to school.

For students who are going off to college or universities that will be staying in a dorm or apartment, they need more items then the typical school supplies. These students will need home furnishing type supplies and most of the time; These types of items are also on sale at this time of year. These items consist of bed spread sets, desk and chairs, organizers for a desk, organizers for bathroom necessities for those who share a bathroom with others, small kitchen appliances and area rugs as well soft style floor seating.

There are many smaller office supplies or desk equipment that one may need during the course of a semester that they should purchase now to save themselves from running out and getting it later. Things such as a three hole puncher, ruler, protractor, paperclips, brads, rubber bands, masking and scotch tape, sticky notes, erasers, scissors, colored pencils, markers, glue and white-out. These things may not be used everyday but could be used at some point in the semester for a special project and it would be nice to have them on hand.

A lot of online shops will ship faster service for a small fee if someone needs a certain supply right away for a project. For example a poster board in a certain color or a type of scissors with a wavy edge. These are items that would cost less to purchase online then at the local supply store or book store and saving money is what college students need to do everywhere they can.

There are a couple of things to beware of when shopping online. One is the shipping and handling fees. Most companies are reducing their shipping fees in order to bring in more customers. However, they are raising their handling fees to make up for this lack of income. An individual would be wise to shop around for an online shop before filing their shopping cart they will no doubt save even more money.

There are also some stores online that will charge taxes and other that do not. There is no law that says an online store needs to collect taxes from a state where they are selling to. For example if a person lives in Missouri and they are shopping at a place in Texas, they may have to pay a Texas state tax online but they do not have to pay Missouri state taxes. This is something to watch out for.

Online Multi Level Marketing – How to Take Your MLM Business Online

It seems that everyone is using the internet these days to promote their products or business. Once you understand the basics of online marketing you will see just how powerful online multi level marketing can be. The internet can automate much of your recruiting efforts from initial contact, presenting your opportunity, answering questions, and following up. In this article I will show you how your existing network marketing skills can be applied on the internet.

In network marketing the first step you need to take to get someone to join your business is to contact them. Whether it is your warm market or your cold market you have to pick up the phone and make an appointment to talk to them. In the online world this initial contact is replaced with an advertising campaign – typically pay-per-click on one of the major ad networks. This allows you to target the specific people who are looking for what you have to offer. Once they click on your ad you can give them your presentation.

In online multi level marketing your presentation can consist of a video, audio, text, or a combination of these. Using these tools you present your offer to the visitor in a way that will entice them to leave their contact information. This is typically done with a short introduction that promises more information if they leave their contact details. Once they supply their information you can then give them more details about what you have to offer.

As you know, people typically have questions about what you are offering. One of the goals of your marketing information is to answer those questions before the person even thinks to ask them. This is called pre-selling. The better job you do pre-selling the more successful your online multi level marketing efforts will be. In addition to having questions most people will typically think things over before making a decision. This is why the experts always say the gold is in the follow-up.

One of the best features of online multi level marketing is that follow-up can be done in an automated fashion. If you've struggled before trying to make the recommended five to seven follow-up contacts you will appreciate just how easy it gets online. Using an auto-responder you can create a sequence of emails that are automatically sent at predetermined intervals. This will keep your opportunity fresh in your prospects mind while they think over your offer.

As you can see, using the internet to help with your MLM business can save you a lot of time while increasing your effectiveness. One of the advantages of implementing an online multi level marketing system is that there are known techniques and principles that can be followed and the system as a whole can be tweaked to improve its effectiveness. If you already have experience in network marketing then you can see how the process translates online allowing you to focus on working with your top earners.