Whether launching a new brand or trying to boost the online performance of an established brand, chances are you will need to reexamine the brand's basics to attract, hook, and engage more people online. That starts with reexamining how your category, value proposition, and position are communicated, and how these elements are supported by your brand profile. This isn't so much about changing the brand as it is about updating the way you profile and communicate your brand online. If your brand strategy hasn't been revised yet for today's digital environment, then this guide will help. This guide began its life as part of an introduction to strategic online marketing for graduate students and entrepreneurs. Duffy Agency has since expanded it to provide business owners and brand managers with a conceptual framework and step-by-step advice to focus their brand offers online. As you might imagine, this will also focus these brands offline. Today, your brand's prospects and customers live with one foot in both online and offline worlds.
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Bond Funds vs. Bond ETFs: An Overview Bond funds and bond ETFs or exchange-traded funds both invest in a basket of bonds or debt instruments. Bond funds or mutual funds contain a pool of capital from investors whereby the fund's manager allocates the capital to various securities. A bond ETF tracks an index of bonds with the goal of matching the returns from the underlying index. Bond funds and bond ETFs share several characteristics, including diversification via portfolios that hold numerous bonds. Both funds and ETFs have smaller minimum required investments that would be necessary to achieve the same level of diversification by purchasing individual bonds in constructing a portfolio. Before comparing bond funds and bond ETFs, it is worth taking a few moments to review the reasons why investors buy bonds. Most investors put bonds in a portfolio to generate income. A bond is a debt instrument that typically pays an interest rate, called a coupon rate each year to the bondholder. Although buying and selling bonds to generate a profit from fluctuations in their prices is a viable strategy, most investors invest in them for their interest payments.
Overall, I get these injections every four to six months, about 30 units in each masseter muscle. There is such a thing as getting too much Botox—if you watch Bravo, you've probably been exposed to this—so beware. Make sure that you consult your injector prior to getting these injections and ask them how long they've been administering injectables like Botox specifically for the masseter muscle. "Ask [your provider] what can go wrong. If you ask a lot of questions about the procedure, then you know that that person has an understanding of the right technique and potential complications, " said Dr. Nancy Samolitis of Facile Dermatology and Boutique in Los Angeles. "If you ask what could go wrong and they say, 'nothing! ' that's a little worrisome. " Like Dr. Samolitis said, research is critical in finding someone to administer these injections, or any injection. You want to make sure they have a good history of performing this treatment or else you could end up like I did at one point, with a crooked smile.
The following links may help you find legal representation and advice: Collaborative Family Law Center (court-sponsored) Links qualifying couples in New York City's five boroughs to collaborative divorce professionals. Links to private collaborative divorce professional organizations throughout New York State. Both spouses must agree to participate. Note: Inappropriate for cases involving domestic violence, child abuse, or where one spouse cannot locate the other. CourtHelp's Lawyer Locator Links to local bar associations that can provide referrals to private lawyers. Links to free legal services. Links to legal subjects and free law libraries. Links to free legal assistance in New York, information about legal rights, and more. Volunteer Attorney Program (court-sponsored) Volunteer attorneys provide free, brief legal advice in some of the court's Help Centers. For more information, send an email to:. Note: Court-sponsored volunteer attorney programs are not available in all locations.
Published: Jun 28, 2019 | Updated: Jul 31, 2019 Can I Get Life Insurance Without Medical Exam? When you get older and perhaps have a health issue or two, you may find that it is very expensive and hard to obtain life insurance coverage. That is why so many people seek out no medical exam life insurance, a type of insurance policy that does not require an exam. Learn more about these policies and when they may be a good fit for you, or when you should avoid them to choose a standard life insurance policy. Why Does Life Insurance Require a Medical Exam? Life insurance companies will often require people applying for a standard term life insurance policy or a whole life insurance policy to have a medical exam completed. This usually includes looking over your medical history, having a doctor provide a full examination, and providing blood work and lab screening. Insurance companies are looking for concerns that may mean you have a higher risk of dying at a young age. You may have a medical condition already, but understanding how at risk you are is important to determine if the company can offer life insurance to you.
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