Digital Branding

6 Examples of Great Co-Branding

Partnering strategically with another business in your marketing can be wildly successful for everyone involved. However, if the relationship isn’t constructed properly, a co-branding campaign could turn into an epic failure. Both companies have to be on the same page with their target audience, vision, promotion, and price to create a successful campaign. The whole point of co-branding is creating an agreement that will make both parties more successful than they could have been on their own by finding a partner that complements them well. There are plenty of examples of great co-branding and below you’ll find six from major brands that can help you in your own business.

Red Bull and GoPro

Red-Bull-and-GoPro

In 2012, Red Bull and Go Pro teamed up for the event “Stratos” which featured Australian Skydiver Felix Baumgartner jumping from a helium balloon 24 miles above the earth. During the jump, Baumgartner broke three world records, shattered the sound barrier, and used a Go Pro camera to capture everything. The event was wildly popular and a successful project for both Red Bull and Go Pro.

Stratos worked because both brands target the same audience. These companies market to thrill-seekers, extreme sports fans, and those who want adventure. Red Bull’s director of sports marketing Sean Eggert has said that “GoPro camera technology is allowing us to compliment the programming by delivering new athlete perspectives that have never been seen before.”

Cold Stone Creamery and Tim Horton’s

Cold-Stone-Creamery-and-Tim-Hortons

In 2009, ice cream chain Cold Stone Creamery and coffee shop Tim Horton’s launched a partnership where each company would put the other one’s menu in 50 of its stores. Executives from both companies decided to partner with each other because they share many of the same customers and each company does most of their business during different parts of the day. Tim Horton’s sees most of its sales come in during the morning and afternoon while Cold Stone serves more customers in the evening. After seeing an increase in sales during a test run, both companies decided to expand the initiative. The two even started offering joint menu items such as coffee floats after listening to the requests of customers.

This co-branding strategy made sense because each company looked at their sales activity and realized that they could complement each other since many of the same customers enjoyed products from both brands at different times of the day. They believed that creating co-branded stores would draw in more customers and they were right.

Uber and Spotify

Uber-and-Spotify

Who doesn’t like listening to music in their car? This partnership allows Spotify users to listen to their favorite songs while they’re in an Uber ride. When you’re waiting for your car to arrive you can queue up a playlist so that your song starts playing as soon as your driver begins your trip. It gives an exclusive experience for Uber riders, Spotify customers have another a reason to pay for a premium membership, and it also gives both companies a unique differentiation over competitors like Lyft, iTunes, Pandora, and YouTube.

MasterCard and Apple Pay

MasterCard-and-Apple-Pay

Both Apple and MasterCard understand that cashless transactions are where our society is headed. MasterCard became the first credit card company to support Apple Pay. This gave Apple an ample customer base to work with while it tweaked its service and gave MasterCard a brand new functionality that was exclusive to their customers. Apple has since teamed up with other major credit card companies to expand their user base.

Dr. Pepper and Bonne Belle

Dr.-Pepper-and-Bonne-Belle

The oldest partnership on the list started in 1975 between cosmetics company Bonne Belle and beverage company Dr. Pepper. After launching the flavored lip balm line Lip Smacker in 1973, Bonne Belle successfully formed a partnership to create Dr. Pepper flavored lip balm. This flavor of lip balm still exists today and continues to be successful.

Nike and Apple

Nike-and-Apple

This is an absolute no-brainer and is an example of very successful complementary branding. Nike knows that their customers who are runners want to listen to music when they exercise and track their progress. So, they formed a partnership with Apple so that their customers could do both. Nike developed a footwear line called Nike+ and Apple created a microchip that fits into the shoes which records the users progress when they activate the feature from their iPod or iPhone. This microchip will tell the user statistics like the number of calories burned, speed, distance, and time. You can even program your Apple device to start playing a particular song when you reach a certain point during your run.

Conclusion

Co-branding can be an excellent way to grow a company without having to make a major investment in resources or create expensive marketing campaigns. It creates a “best-of-both worlds” relationship where each business benefits from the reputation, image, and customer base of the other. However, co-branding isn’t an end all be all solution and should be executed with caution. If co-branding initiatives aren’t performed correctly, they can turn into absolute blunders. However, if executed properly, they can pay off greatly for all involved and make customers happy.

Digital Branding

5 Famous Rebrands and What We Can Learn From Them

At some point in time, every company is faced with the decision to rebrand. Rebranding isn’t easy. Changing your message, mission, culture, or target audience is guaranteed to alienate part of your customer base. Many rebrands are unsuccessful. It takes more than a new slogan to create a successful rebrand. A successful rebrand must win over the minds and hearts of customers to be successful. Changing how people think of you is no easy task. However, by taking the initiative to do things like engage in creative marketing, focus on the consumer, develop a quality product, and address public concerns, successful rebranding is possible. Take a look at how these five companies have rebranded successfully.

Old Spice

old-spice

Clever marketing revolutionized the Old Spice brand and gave a big boost to their bottom line. Old Spice’s sales were slowing down and they needed to take a fresh angle to rejuvenate their brand. After realizing that females made up over 50% of their customer base, they started a viral marketing campaign that sold directly to women, instead of men. Old Spice’s first over-the-top commercial starring Isaiah Mustafa went viral and generated millions of views on the internet. But, they didn’t stop there. They went on to release 186 video responses to online comments on their YouTube channel from celebrities and bloggers to drive engagement. It worked. Within the first six months of the campaign their sales increased 27%.

Creating clever, viral advertising and using social media to reach your customers directly can pay huge dividends. Old Spice was once only seen as a product for older generations and now has become a staple of a younger audience.

Harley-Davidson

harley

In 1982, Harley-Davidson was in debt $90 million and no banks wanted to lend them money. The motorcycle company had a solid customer base and brand but they were failing to generate any profit because they didn’t have a quality product. The company almost went bankrupt in 1985. Instead of going under, Harley-Davidson started focusing on providing a better product to their customers. They improved the reliability and quality of their products and it paid off.

Focus on your customers. Make sure you’re providing them a great deal of value and it will pay off.

Lego

lego

Danish toymaker Lego was facing bankruptcy in the late 90’s and was forced to make a change. Lego dropped hundreds of different products and was able to successfully turn itself around. Lego took the approach of marketing to an audience that had fond memories of their brand (adults) and then used that connection to establish a bond with a younger generation (their children). Lego uses a lot of social media and user driven content. You’ll routinely see customer creations on Lego’s social media accounts. They focus on engaging with consumers.

Remember that your customers are actual people. People want to engage with brands that they admire so make sure that you give them an opportunity to do so.

Apple

apple

In the 90’s, Apple nearly went bankrupt and was facing tough competition from its competitors. The company needed to revamp its image. Steve Jobs launched the “Think Different” campaign to turn the Apple brand into a lifestyle, rather than just a computer company It is now estimated that Apple will soon be worth more than $1 Trillion. But it wasn’t just an ad campaign that brought Apple back from the brink. The company focused on producing reliable, quality products that are beautifully designed. They have also instilled their core values in all of their employees and make sure that their message is communicated to their consumers as well.

What can we learn from this? Don’t just sell customers a product or service. Sell them your core values. Customers who share your beliefs will turn into loyal fans. Also, you can’t go wrong with investing in creating quality products and keeping your customers happy.

McDonalds

mcdonalds

McDonald’s has been a juggernaut in the fast food industry for quite a while but they have had their fair share of bumps and bruises along the way. McDonald’s has been criticized for being a cheap, unhealthy restaurant with products that promote obesity. To avoid this, McDonald’s has focused on providing healthy options such as salads. In its advertising, the slogan “I’m Lovin’ It” has been coupled with images of young people and families enjoying their meals. The company has also been able to reach the coffee crowd with their premium coffee product line McCafé. These initiatives have worked and have driven a rise in sales.

What we can learn here is that it’s important to listen to your customers, the public, and the media. But, don’t just brush off negative comments. Take a look inside your company and see how you can address these concerns.

Conclusion

Your brand is vital to your business and should be protected like your first born. Rebranding, when done properly, can pay off in a huge way. However, a hasty rebrand can have adverse effects so make sure that you tread carefully.

Digital Branding

The Secret to Selling $1,500 Coats

During the winter months, you won’t have to look too hard to find someone with a winter coat made by Canada Goose. Once reserved for Canadian Rangers and explorers, the Canada-based winter clothing retailer has become an elite brand all over the world that’s worn by everyone from college students to celebrities. If you stumble across a Canada Goose jacket the first thing you’ll notice is the price. Their coats retail anywhere from $500 to upwards of $1,500. However, the sky-high prices haven’t slowed Canada Goose down at all. When Dani Reiss became CEO of the company, Canada Goose was bringing in $3 million in sales annually. That figure has now climbed to over $200 million and counting. How did Canada Goose do it?

Positioning

Positioning-canada-goose

Canada Goose was originally founded in 1957 by Polish Immigrant Sam Tick under the name Metro Sportswear Ltd. In 1972 Tick’s son-in-law, Reiss’ grandfather, became CEO. In the early 1980s Reiss’ grandfather purchased the company from Tick and started making parkas under the name “Snow Goose” which was eventually changed to Canada Goose. The brand was originally made to keep wearers warm under the harshest and coldest environments. Canada Goose gained a cult following from those that used and needed the company’s products the most.

In the early 2000s, there was a mass exodus of North American manufacturing jobs. Companies were moving their manufacturing operations to Asia in droves to reduce costs, lower prices, and improve margins. Instead of following the herd, Reiss decided to keep manufacturing in Canada to maintain the company’s authenticity. At first, the U.S. market rejected Canada Goose’s high price points. However, Canada Goose became a luxury item in Europe and slowly U.S. retailers caught on and began to see Canada Goose as a high-end brand that was worth the cost.

Consumers love a good story and they have fallen in love with the company’s humble beginnings and strong narrative. Staying true to its roots and remaining authentic allowed Canada Goose to separate itself from the competition and position its products as high-end.

Cultural Branding

Cultural Branding

Canada Goose doesn’t engage in traditional marketing campaigns. They rely on cultural branding. Cultural branding occurs when a company wants their brand to assimilate within a culture. They do this through strategic product placement within a target market. By doing this, Canada Goose has taken the power of influence away from marketing experts and has given it to the consumer. They want awareness of their brand to spread between friends, family, coworkers, etc. This creates a brand that is much more likeable than one that just blasts ads to you through several mediums. When you buy a Canada Goose product you aren’t buying a coat, jacket, or hat. You’re buying a lifestyle. Canada Goose has made some genius marketing moves to shape its brand:

In the 2013 Sports Illustrated Swimsuit Issue, supermodel Kate Upton was photographed on a yacht in Antarctica. To keep herself warm, Upton wore a Canada Goose jacket lined with fur. This gave Canada Goose a huge brand awareness boost.

In 2012, Canada Goose sponsored the Sundance Film Festival by giving coats to over 300 celebrities. This exposed the brand to the “who’s who” of Hollywood and gave the company excellent exposure. To penetrate the high-end luxury culture, Canada Goose took a top-down approach by influencing celebrities and tastemakers to wear their merchandise. This helped to make their brand popular among the average consumer.

Becoming Fashionable

Canada Goose has followed in the footsteps of brands like The North Face and L.L. Bean whose products became popular with small groups like hikers and fisherman but later started engaging broader audiences. They did this by shifting from being seen as a functional brand to becoming a fashionable one. People are willing to pay more for fashion and luxury.

Reputation & Distribution

Reputation & Distribution

Canada Goose has done an excellent job at protecting its brand. When you first think of Canada Goose, high prices may come to mind. When it comes to their success, Canada Goose must be recognized for their ability to hold onto a strong reputation. As Canada Goose grows in popularity there has been an increased demand for their products. But, the retailer has focused on limiting access to their product. A luxury brand has to remain exclusive. Canada Goose has remained exclusive by not saturating the market with too many product lines or allowing their product to end up in discount stores.

Wrapping Up

wrapping-up

In 2013, private equity firm Bain Capital bought a $250 million majority stake in Canada Goose that will give the retailer cash to expand its operations. The company has offices in the U.S., Europe, and of course, Canada. Moving forward, Reiss wants to make sure that he maintains the brand’s integrity and value. “We have to continue to make an amazing product…We have to stay away from licensing, stay away from diluting the brand, stay away from making crappy stuff and throwing our logo on it, because I think that kills anything. We’re not just a logo.”

Digital Branding

The Top 5 Best Ad Campaigns of All Time

What makes people buy? The best advertising campaigns are able to invoke an emotional response from consumers, connect, and engage with them at their core. A product rarely achieves advertising success based solely on merit. The best marketing and ad campaigns psychologically and emotionally create a response in all of us. With the growth of the internet and social media, brands are constantly fighting over the attention of consumers. To make your product or brand stand out you must get creative. Here are four brands that created insanely successful ad campaigns.

Dos Equis – The Most Interesting Man in the World

Dos-Equis---The-Most-Interesting-Man-in-the-World

In 2006, Dos Equis took a drastically different approach to selling beer. Instead of positioning their product as a must-have for getting the attention of attractive women, Dos Equis turned their beer into something that promoted distinction and curiosity. Played by actor Jonathan Goldsmith, the character “The Most Interesting Man in the World” says the following tagline at the end of every commercial: “I don’t always drink beer. But when I do, I prefer Dos Equis.” The ad campaign was so successful because it didn’t feel like a commercial. It felt more like a comedy short. Viewers became enamored with the character’s experiences and the character has even been turned into an internet meme. This unique positioning by Dos Equis opened the company’s product to a wider, more youthful audience.

California Milk Processor Board – Got Milk?

California-Milk-Processor-Board---Got-Milk-

California milk sales rose 7% in one year thanks to this clever ad campaign. The interesting part of this campaign is that it wasn’t created to target non-milk drinkers, but those who were already drinking milk. This is important because it’s not always beneficial or cost-effective to try and reel in a new audience. Sometimes, it’s better to market to your current audience and get them to not only start buying your product more, but become fans that promote your product to others as well.

Old Spice – The Man Your Man Could Smell Like

Old-Spice---The-Man-Your-Man-Could-Smell-Like

You usually don’t see a lot of overnight successes in online marketing but Old Spice’s “The Man Your Man Could Smell Like” campaign is an exception. In February 2010, ad agency Weiden + Kennedy launched the first commercial in the campaign, featuring actor Isaiah Mustafa, and it was a viral sensation. Later that year, Wieden + Kennedy devised a social media video campaign in which Mustafa made 186 video responses to viewer comments online. Wieden + Kennedy creative director Jason Bagley described it by saying, “We were creating and sending miniature TV commercials back to individual consumers that were personalized, and we were doing it on a rapid-fire basis…No one expects to ask a question and then be responded to. I think that’s where we broke through”. The video responses made this campaign extremely successful. Weiden + Kennedy capitalized on the momentum of their initial TV spots and engaged with followers and fans. Through all of this, sustaining the brand’s new image and voice were always kept as a high priority.

Dove – Campaign for Real Beauty

Dove---Campaign-for-Real-Beauty

In 2004, Unilever discovered that only four percent of women thought of themselves as beautiful. So, with the help of Edelman Public Relations and Ogilvy & Mather, the company launched a campaign that challenged people to rethink how they perceived female beauty. The campaign gained a flood of attention from the media and discussions of female beauty started taking place on talk shows, in magazines, newspapers, and online. One ad features a sketch artist who first draws a woman’s face based on the woman’s description of herself. Next, he does a sketch of the same woman but based on someone else’s description. Once complete, the sketches are both posted side-by-side and the subjects look at them. In every case, the drawing based on a description from a 3rd party is more flattering than the woman’s own description of herself. This video went viral and contributed in a big way to the success of this ad campaign. This campaign was successful because it touched people emotionally and allowed people to realize that “normal” standard for female beauty isn’t always attainable and that just being yourself is enough.

Progressive – Flo

Progressive---Flo

It’s not easy to make insurance interesting. With the help of stand-up comic Stephanie Courtney, Progressive launched an ad campaign that featured an upbeat, perky sales agent named Flo. In these commercials, Flo talks to customers about Progressive’s features in a sitcom style setting. Viewers loved the ad campaign so much that Flo has appeared in over 100 commercials since 2008. Progressive was able to successfully break away from the negative public perception that people have of insurance companies by creating a fun and interesting character.

Conclusion

Creating amazing, viral marketing isn’t easy. For every incredible success, there are many more failures. However, if you focus on engaging with your customer and creating a psychological and emotional connection with them, you’ll be well on your way to creating a successful campaign.

Digital Branding

Should You Relocate Your Business?

There are many reasons why you may want to relocate your business. Your business may be in a building in which the rent is too expensive or the management does not adequately maintain the property. You may decide that another area of town would bring more traffic and clients in your doors. Alternatively, you may decide for personal or business reasons to move your office to an entirely new city or state.


Moving a business, no matter how far, has financial implications. Thus, meeting with an accountant should be one of the first steps in considering any change in location. If you are in Northern Colorado, consider speaking to a CPA in Loveland Colorado to answer all of your questions. 

Relocating a business could result in loss of clients or employees who do not want to make the move to the new location. The farther the move, the more likely the chance business managers and owners face this challenge. As a result, business owners and managers should consider whether the benefits associated with a move outweigh the potential loss of valued clients and employees. How difficult will it be to replace these clients and employees in the new location? What are the potential financial gains and losses to the business? 

Businesses may not be aware of all the potential tax changes that a relocation could trigger. Even a move across town could involve crossing city limits or county lines. Crossing over those lines could result in changes to business tax, locality tax, sales tax, and property tax. Business owners should consult with an accountant about the tax implications associated with even these local relocations. Relocating across state lines can also introduce changes in business and sales tax for both the business and its clients. Depending on the location, businesses may be required to pay tax on commercial leases. Pay close attention to all of the potential tax changes and how they can impact net income.

Finally, consider not only the additional income that may be generated in the new location but also the costs of relocating and doing business there. How do real estate costs compare to your current location? How much will it cost not only to physically relocate but also to inform clients and create innovative marketing materials? What time and cost will managers incur in hiring and training new employees? Are the required costs of salaries and benefits different in the new location? Will the company be paying any relocation costs for current employees? An accountant can help you estimate and prepare for these additional expenses.

Relocating your business to a new location can bring many new, exciting opportunities for growth. In all of the excitement, however, do not lose sight of the need to prepare for all possible expenses and changes that will impact the business. An accountant can help identify potential costs and tax implications that will impact your business as well as help minimize the impact on your business finances and tax bill after the relocation.

 

Legal Branding

Six Important Steps to Take After Being Involved in a Traffic Accident


Last year, the number of fatal car accidents that occurred in Alabama rose by 25% percent over 2015 figures. In 2,016, there were an estimated 1,058 traffic fatalities, compared to the 849 people whose lives were taken as a result of a traffic accident.

Total car accidents for 2016 rose only slightly, with the 152,532 crashes in 2016 representing only a 2.1% increase over the number for 2015, which was 149,339. Odds are that you may find yourself involved in a vehicular crash at some point in your life, and when you do, there are some important things to remember. Of course, the first thing you should do is to ascertain that no one has been hurt; if they have been, call an ambulance immediately. You’ll also want to contact the police to ask them to come out, examine the scene, and make a report.

Second, don’t admit any fault to the other driver or to witnesses, even if you think you were at fault.

Third, take pictures of everything that may be important to establish the facts of the accident. Your car, the car or cars that were also involved, any damage to surroundings, or any road conditions that may have contributed to the accident. These can be useful to prove your case, should you need to go to court.

Fourth, exchange insurance information with the other driver. If there were witnesses to the accident, you should also gather their contact information in case they need to be called on at a later date to give their impressions of what happened. The police will likely want to speak with them too, but they may not be able to stick around until the police show up, so getting their information is crucial.

Fifth, when the police arrive, keep calm and tell your side of the events, as calmly as possible. Don’t point fingers at the other parties, deny your involvement, or be unruly. Cooperation with the police will go a long way toward establishing your credibility, in the event that it ever comes into question. Once the police have made their report, they will present you with a copy of it. You may need to have your vehicle towed and arrange for a ride home, but if not you will then be free to drive away.

Sixth, and the most important step to take after being involved in a car accident is to contact an automobile accident lawyer. Unless your crash was a simple fender bender, which the insurance companies can hash out with the help of the police report, having an attorney on your side is a valuable move to make.

Generally, attorneys won’t charge you for an initial consultation. During that consultation, they will take a look at all of the documentation and pictures, read the police report, and let you know whether they think you may have a case.

If you do, the attorney will be there, every step of the way, as you fight to get the compensation you deserve.

Digital Branding

Online Fitness Course for Serious Athletes

A few decades ago, personal trainers were reserved for the rich and famous. In recent years, personal trainers have become very popular with the general public. If you want to increase your personal fitness goals, you should consider working with an online fitness coach. If you live in a small town, the nearest gym could be several miles away from your home. An online trainer is an affordable option. When you use an online personal trainer service, you can train from anywhere in the world. You will save money on travel expenses, and you will not have to change your daily routine. When you are out of motivation, an online trainer can push you in the right direction. 

Convenient and Affordable Training



A large segment of the general population does not have a fixed weekly schedule. Serious athletes need flexible workout schedules. An online personal trainer will always be by your side. When you take a personal trainer course, you can exercise in your home or at a local park. Whether you are energetic in the morning or in the middle of the night, your personal training course will be available to you whenever you need to workout. An online course will save you thousands of dollars, and it is more private than a traditional personal training session. You do not have to be subconscious while you are exercising. 

A Customized Fitness Plan



An online coach can give you the insight you need to reach intense fitness goals. Your coach can design a nutrition plan, and he can select exercises that are tailored to your specific needs. Your coach will take into account your training experience, physiology, gender and your level of commitment. You can communicate with your coach on a daily basis, and your coach can use motion tracking software. You can contact your trainer when you need advice about hunger management, stress management, sleep optimization and time management.

Great for Serious Athletes



Online fitness training is best for athletes who are at an advanced fitness level. The coach can give you guidance, but you should be committed to achieving your fitness goals. You should train at least three days a week. Many athletes shy away from intense interval training because they do not want to push themselves hard. Your coach will give you the extra push you need to take your routine to another level.

Get Valuable Feedback



All athletes need feedback. Since you are having virtual coaching sessions with your coach, you can pick time slots that are perfect for your busy schedule. When you hire an online coach, you will always have instant feedback. If you have any questions, you can receive a response within a matter of hours.

Do not settle for a general workout routine. Online fitness courses are challenging, and a great course will help you gain muscle mass. Join a course today, and you will see your physique change within a matter of weeks.

Digital Branding

4 Ways to Create an Engaged Team Using Your Corporate Brand

As a leader in your industry, it is often difficult to connect your corporate brand with the rest of your team. Creating an environment of teambuilding and employee engagement is a fantastic way to achieve the brand objectives of your company.

Teambuilding Using Your Corporate Brand

This process doesn’t need to be any more difficult than it already is. Please use the four suggestions that we are about to share with you. Apply them from the very beginning when onboarding new members of the team and use it to help existing team members.

1. Create a Team Brand 

When you build a Team Brand, you will have dedicated members of your staff that are ready to perform special tasks and are eager to complete their assignments. Many of these tasks will be relegated to brand communication. As an example, some tasks will include creating and implementing a brand strategy, adding valuable insight and input in regards to corporate communication campaigns, getting involved in social media discussions for the company, and handling client feedback.

2. Make brand reinforcement a top priority

Take the time to refine your current system or put an entirely new system in place that guarantees that brand reinforcement is a main priority for your company and staff.

As an example, let’s say that your brand is about innovative product development. This message needs to come across in every way possible. You have to infuse your brand with innovation in all of its processes and systems. That’s how companies stay on point with brand reinforcement, because it becomes everything that your brand is all about. One way to reinforce your brand is to reach out to and engage brand ambassadors.

3. Build solid employer/employee relationships

A simple way to keep your team engaged is to build a solid relationship with them as a leader. These relationships should be founded on engaging conversations that you have with the members of your staff. When you stay connected with your employees, you should also have regular conversations about the brand strategy. Help them get a better grasp of the company’s values, vision, mission and more. And even help them better learn key brand initiatives, brand attributes, your brand’s promise, and a host of other things that will keep them on task.

Think about Google as a prime example. All Google employees know more than the basics about the company. There is a very popular story behind the color scheme of the Google logo, and every employee knows it.

Do your employees know why you chose the colors for your logo? Maybe it’s time they find out.

If you’d like to become a better leader for your team make sure to check out these infographics.

4. Make a commitment to your company’s brand identity

Whether your company has been around for many years or it’s a brand-new start up; committing to a brand identity is an absolute must in today’s business world. Come up with brand imagery, fonts, color schemes, and more, and stay consistent with them with all communications and marketing messages.

Here’s a useful resource for branding a startup: Illustration: Brand Your Startup Uniquely

 

Digital Branding

Finding the Best Type Of Homeowner’s Insurance

There are so many necessary steps in buying a new home, that it can be overwhelming to the first-time home buyer. When they are considering homeowner’s insurance, they may think that signing their name on a policy is all that is needed. Since there are different policies, homeowners must be certain that they get the right type of coverage. If you are shopping for homeowner’s insurance, here are some guidelines to consider:

Compare Policies And Coverage


Before you are approved for a mortgage loan, the mortgage company will require that you have homeowner’s insurance. If you live in a place that is prone to earthquakes or flooding, you will need to purchase additional insurance for home protection. 

You have a choice when it comes to insurance companies; however, you need to have sufficient coverage. Do some research and find the best insurance for your budget. Just because a policy is cheap does not mean it has the best coverage for you. Click here to discover articles about homeowner’s insurance.

Combining Insurance with Your Mortgage


You can use an escrow account to include your insurance premium with your mortgage, states bankrate.com. In this case, paying the insurance premium becomes the responsibility of the lender. Escrow accounts are preferred by mortgage lenders because they know that their loan will be safely insured. When you choose this option, you will probably need to pay up the insurance premium for a year at the closing meeting.

The Difference Between Replacement Cost and Cash Value


Your amount of coverage is more important than the price of your policy. There are two different plans from which you can choose. The policy can be for either cash value or replacement cost. If your home was destroyed and you have replacement cost insurance, the company would pay you the cost to rebuild your home at current market value. The replacement cost would be more expensive as time goes on, because the cost of materials and labor fluctuates with the market. If you choose a cash value plan, you will only get enough money to pay off what you owe on the mortgage. Your loan will be paid off, but you are still will not have a house.

Find A Policy with An Affordable Deductible


Your home insurance deductible can be anywhere between $250 and $1500. This is the amount that you must pay before your insurance starts to pay. The higher your deductible is, the lower your monthly payment will be. You will pay a higher rate when you reduce your deductible. This is something to consider if something happens to your home. You will have to come up with a lot of cash if your deductible is high. Usually, your lender will have guidelines for what deductible rate will be allowed. 

If you keep these helpful hints in mind, you can get the insurance policy that is best for your home and is still budget-friendly. Any reputable insurance representative will be happy to discuss which policy is in your best interest. You will have the peace of mind in knowing that your mortgage is safely insured.

Create a branded blog
Digital Branding

6 Tips to Brand Your Blog

It’s never easy to stand out amongst the crowd in the blogosphere. So many online content publishers slap together a website and immediately start posting content without ever thinking about their brand and the message that they hope to get across. If you ever intend to break through all of the noise on the Internet, creating a brand has to become a top priority.

Take some time now to think about your brand. And use the following six tips to develop the ideal brand message that will get your vision and mission across every time.

6 Blog Branding Tips to Live by

Domain name

    • Get a distinctive and memorable website address – most of the popular .com domains have all been taken at this point, but you still can find a good one from time to time. No matter what, the name of your brand has to be distinct and memorable. And it must match your website address. This way it will be easy for your readers to remember the address so that they have a simple time typing it into their web browser the next time they want to stop by for a quick read.
    • Choose the right name for your brand – we’ve already touched upon this, but choosing the right name for your brand will go a long way with brand recognition. And people will have an easy time remembering who you are and what you’re all about. For example, bestonlinecoursescoupon has a long name but branding wise catchy and easy to remember.
    • Choose a consistent photo presentation – your blog is a big part of your business and it should share a consistent message. Regularly use the same type and style photos to keep your blog’s brand on point while continuing to get your message across. There are many sources for free images online. Use them to your advantage and always stay consistent.

Coordinate your blog palate

  • Choose the best color palette for your brand – whether you realize it or not, color is a big part of your brand and it really is an important element. Take some time to come up with the right color scheme that helps to get your message across. Make sure the colors you choose fit with your brand. Contact a graphic artist and ask for help if you’re having trouble making the connection.
  • Choosing the ideal theme for your blog – choosing an appropriate site theme is a critical step when branding. Not only does it provide viewers with the right visual cues; it also creates structure that determines the way your content is presented. How many sidebars will you have? One? Two? None? You also need to consider your overall goals when making a decision. If you’re using your blog to promote an online store, for example, you should always use a responsive eCommerce theme, not a one-size-fits-all design. This way, you know you’re setup with all the bells and whistles recommended to funnel leads toward your products and eventually generate sales.

Wordpress blog

Enhancing WordPress Themes With Plug-Ins

Add WordPress plug-ins for additional features – if you’ve chosen your theme correctly, your blog most likely has many bells and whistles already. WordPress plug-ins is a great way to add additional valuable features without the need to change your blog’s entire theme. Find out more about WordPress plug-ins by reading this additional resource.