Hazel Calvin


Entrepreneur Scott Hirsch CEO Pioneered Popular Digital Marketing Strategies

Delray Beach, Florida. – Scott Hirsch CEO of Media Direct and internationally recognized expert in data, analytics, and digital marketing, has created a lasting legacy. Scott O Hirsch helped develop several commonly used data technology concepts. These include opt-in email, digital data/media marketing, affiliate marketing, E-appending, and DIY application development.

Hirsch started developing digital direct marketing for Lens Express in 1991. Opt-in email, also known as permission marketing, is one form of digital direct marketing. It involves sending marketing materials to those who have provided their email and indicated a willingness to receive the materials. E-appending helps businesses find emails for their customers by matching names and street addresses with vendor lists.

“Opt-in email marketing is an effective way to nurture a customer relationship and drive sales,” Hirsch stated. Now, 61 percent of consumers prefer that the brand contact them via email, says Scott Hirsch CEO, who founded eDirect in 1998. eDirect, the world’s first opt-In based email data marketing company, later merged with Naviant and then sold the combined company to Equifax.

Scott O Hirsch also pioneered the use of digital data and founded RelationServe, an interactive marketing company, and created its proprietary database. He later sold his interest. He has since established DigDev, a data marketing company.

The affiliate marketing industry, of which he is one of the founders, has grown 52 percent in the last five years. About 12,000 affiliate marketing programs currently exist in the United States. “Affiliate marketing will continue to become a major way companies acquire new customers,” says Scott Hirsch.

Finally, Scott Hirsch CEO, also sees the creation of apps as a forward-looking marketing strategy. “More than half of those who access the Internet on their phones browse with apps,” says Scott Hirsch CEO. “Apps can give you access to potential customers you wouldn’t otherwise have while also improving customer engagement,” he continues. “An app also can create another opportunity to build a brand.”

Scott Hirsch CEO is a member of the Forbes Business Council and has written articles on digital marketing for Forbes, the Huffington Post, Time, Inc, Fox Business, and Entrepreneur.

Scott O Hirsch hasn’t just created a lasting legacy in the marketing industry. He also has made a lasting legacy in the boxing world. He managed Shannon Briggs, former WBO heavyweight champion. The Boxing Writers Association of America nominated Scott Hirsch CEO for “Manager of the Year” during 2006 when Briggs won the WBO title.

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Hauser Insurance Gives Back to Community with Support of Talbert House

Hauser Insurance Group recently continued its philanthropic commitment to the Cincinnati community with its participation in the Fatherhood @ FC Cincinnati event.

The event served as a fundraiser for the Talbert House, a local charitable organization, and its Fatherhood Project, which helps men become more responsible, nurturing, and committed fathers.

Hauser Insurance was a Mentor Sponsor for the event, continuing a role it had played for the past several years. It’s all part of the company’s goal to support organizations that provide services designed to improve the quality of life for Cincinnati residents.

The August 2021 event was coordinated by the Hatton Foundation and served as the Talbert House’s annual fundraiser.

Attendees were able to enjoy an insiders’ look at the new TQL Stadium, which serves as the home for the MLS FC Cincinnati franchise. Guests were able to enjoy a three-hour event that featured a peek inside the normally off-limits team locker rooms and clubrooms.

Families could also enjoy refreshments, balloon artists, magicians, and games. Soccer-themed fun included dribbling course and penalty kicks.

There were also door prizes and fundraising raffles.

Helping to Build Stronger Families

Initially opened as a halfway house in 1965, Talbert House is named in honor of the late Ernest Talbert, a University of Cincinnati sociology professor.

While initially focusing on homeless men, today Talbert House services adults, children, and families. In 2020, the organization helped support 21,000 people in person and another 96,000 people via its prevention services and hotline.

A Commitment to Community

Hauser Insurance Group has long been committed to corporate philanthropy. Its charitable contributions also allow employees to volunteer in their communities.

Given that many local nonprofit organizations run on razor-thin budgets, Hauser Insurance believes in giving back in order to provide those agencies with operating capital to develop and expand offerings that support those in need.

As a nationally known insurance agency, Hauser has been providing customized insurance solutions and risk management services since its founding in 1971. Today, its customer base includes public companies, small businesses, family-owned firms, multinational corporations, and special-purpose acquisition companies (SPACs).

Hauser Insurance has specialized expertise in helping private equity firms with advisory services, due diligence, risk management, and insurance products, both for the firms themselves and business acquisition targets.

Its risk advisory experts have years of experience and its brokerage area includes professionals with expertise in private equity transactions.

Its 2021 client base includes 70 private equity companies in 44 states. In 2020, the company assisted in nearly 200 private equity transactions.

Its due diligence services complement its ongoing risk management and insurance solutions. Hauser Insurance is able to provide transactional support, employee benefits services, and insurance brokerage all in one shop, led by a partner who understands the complexities of private equity.

Hauser Insurance provides risk management, due diligence, and insurance services to clients nationwide with full-service operations in Atlanta, Chicago, and New York City with additional offices in Kansas City, Los Angeles, and St. Louis.

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What Do You Need to Fulfil Credit Card Eligibility Requirements

Do you ever feel that you badly need a credit card? But have somehow always failed to meet the required criteria. In that case, having good knowledge about the eligibility criteria can make things much more straightforward, improving your chances.

Here’s a list of things you need to be aware of to fulfil credit card eligibility requirements:

You Must Be Over 18 Years

Although it might be a very obvious thing, one must not forget that to qualify for a credit card the person must be an adult (18 years or above).  All citizens, residents and non-residents can apply.

Employment and a Stable Income Source

Having a job and regular income is one of the most important eligibility factors for a credit card. You can be a salaried or self-employed individual. Credit cards with higher limits need holders to have higher annual income. For instance, for a credit limit of ₹5 lacs and more, you might be required to have an annual income of ₹36 lacs. Having a steady source of income assures the bank of your creditworthiness.

A Good Credit Score

A higher credit rating goes a long way to help you qualify for a higher limit credit card. Bill repayment history is the main determinant when it comes to calculating your credit score. Therefore, you must pay all your bills on time and avoid lapses. Multiple hard inquiries can also impact the credit score. This is why; you need to avoid applying for many credit cards, even if you fulfill the eligibility criteria.

Existing Debt

Existing debt is also a very big factor in deciding whether you are eligible or not. Having existing debt on your account affects your credit score. Therefore, you must always keep your debt under control.

Important Documents

Different banks might need a different set of documents. However, most commonly you will need to provide your Aadhar card, any other proof of identity or address,  PAN card, completed application form, latest income proof, bank statements, and proof of business (if self-employed).

As you would have observed, there are several eligibility criteria that you need to meet to obtain a credit card. Apart from these factors, there can be many other things banks consider such as your location, no records of default, or your age.

You must try to acquire a good understanding of how to make the best use of your credit card. Also, before you get yourself a card, you must not forget to compare different cards, check the perks, and keep an eye out as to what payment offers a particular credit card is providing. Such factors go on to have a major influence on finances in the longer run.

Credit card application is easy online, where you can also find eligibility factors. You have to simply upload the required documents, and provide your contact details to start the process.

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What is MT4 Trading and its Benefits? | Century Financial

The MT4 platform allows you to trade seamlessly from a tablet, laptop, desktop, or smartphone. It is a multifunctional trading platform designed for Forex traders. Click here to know more!

What is MT4 Trading and its Benefits?

Is there a trading platform that provides numerous benefits along with an easy and flexible interface? MT4 is the most used interface around the world, including the UAE. Here are the benefits that can bring things into perspective.

MT4 or metatrader4 is a virtual trading platform that is used globally for trading in,

  • Forex
  • Indices
  • Cryptocurrencies
  • Commodities
  • CFDs (Contract for Differences. Similar to option derivatives)

The global reach and easy access tools make it an investors’ favourite trading platform online. Hence, all the brokers favour the MT4 interface to trade in the above securities.

Benefits of Trading on MT4

1)     Real-Time Market Access

One of the major advantages of the MetaTrader 4 trading platform is that the price always matches with stock exchanges. In the detailed view, you can see all the relevant market indicators in real-time including,

  • Market Depth
  • Bid-Ask Spread
  • Contract Size

2)     Easy User Interface

MT4 trading provides a highly user-friendly interface. All the features are easily accessible with a single click. You can choose to apply automatic triggers like Stop Loss and Book Profit. Trading reports are available on the go that allows you to track your trading history efficiently. 

3)     Market Study Tools

Market securities can be studied through technical and fundamental analysis.

  1. Technical Analysis: The analysis of trend charts and identifying patterns indicating market changes is called technical analysis.
  2. Fundamental Analysis: The study of the intrinsic value of securities by understanding the commercial indicators is called fundamental analysis.

You can find these analysis tools in the real-time on the MT4 trading platform. The charts are elaborate and use 24 graphical objects, 30 technical indicators and 9 time-frames.

By studying these, you can build effective short-term and long-term trading strategies. Multiple charts can be opened at once using this interface. This is another major attraction for traders.

4)     Demo Practice with USD 100,000

When you make your own MT4 trading account, you get a default demo trading account. An amount of USD 100,000 (may vary as per the investment ratio) is provided in this demo account. You can use this amount to learn the trade in the real-time market view. It allows you to study the market while trading and building a winning investment strategy.

5)     Copy the Experts

Many experts build their own trading strategies on the MT4 platform. They are allowed to advertise their strategies and performance. You can choose your favourite expert out of them based on your goals and objectives.

Your account is then connected to your strategist. The investments of your strategist are replicated on your account. This can help you get potentially good returns without lifting a finger. Your strategist receives a commission for this service.

At the same time, you do not lose control of your account. You can monitor the performance of your strategist and terminate the connection if it doesn’t suit you.

If you are new to the markets, then you should learn about it before investing through the trading platform. Be aware of the associated risks and rewards before you make the trade.

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Fulfill Your Dreams In Less Time With Less Worry

Whenever a person is facing a financial crisis with negative savings, how can they save themselves?

The answer is taking a loan from the bank. Loans are a great thing that can help you in troublesome situations. You can get a loan through a bank or financial institution in return for security or otherwise. It is a great and wise way of getting what you want.

However, there is also a consideration to be paid from your side. A bank gives a loan in return for an interest rate. But on the bright side, there are several forms of loans based on the credit history or collateral.

There is also a feature called ‘No Credit Loan.’ This feature helps those who have a bad credit history and are facing problems while availing of loans. It is different from secured as well as unsecured loans. However, It is beneficial for individuals who are not sure about the history of the credit.

How Does This Work?

In case of no credit loans, the lender does not Pay attention to the credit score of the individual. It is one of the quickest loan approval systems. Apply online for no credit check loans, and the work is complete. Just proof of income is enough to get the loan.

However, good things always come with a price tag. The interest rate in no credit loans is higher than the other loans. The lender requires no formalities for a loan but usually demands a higher return.

Benefits Of Getting No Credit Loan

·  Good Credit History Is Not Necessary

As already stated, the lender is least concerned with the credit score of an individual. Even the persons with low credit information Bureau Ltd score can get a loan. It’s one of the easiest and quickest forms of granting a loan.

·   Higher Amount Of Loan

Individuals in need of a higher amount of loan with quick approval can prefer this loan. The lenders are willing to provide any amount of loan. The tenure periods for returning the loan can also vary. Therefore, your monetary needs are contented promptly.

Less Documentation And No Collateral

What is the best thing than no documentation and collateral, right? We all know the number of formalities to get a loan. However, in this type of loan, only proof of income is mainly required. Moreover, no collateral, paperwork, security, asset, and so on is needed.

·  Fixed Interest Rates

In the case of normal or other loans, the interest rates differ from each other. In those loans, the amount is also very less. But in No Credit loan, the whole situation is different. Though the interest rates are high but are fixed for everyone. In return, a higher amount of loan can be granted without formalities.

Who Can Apply For This Loan?

There are no eligibility criteria for being a borrower for this loan. Any person despite being salaried or non-salaried can get this loan. All you need is to apply for it and show the minimum documents.

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This is How You Choose the Best Personal Loan for You!

When a borrower approaches any financial institution for a loan for a shorter term, no obligation to offer any collateral based upon the borrower’s creditworthiness is termed a personal loan. Here, a financial institution sanctions a loan of a borrower and credits the loan amount to the borrower’s account. Thereafter, the borrower repays the principal and interest in monthly instalments or known as personal loan EMI.

Before applying for a personal loan, there are certain factors that need to be considered:

  1. Eligibility Criteria of Lenders

Every lender’s personal loan eligibility criteria can differ from one another. In such a scenario, a lender that holds eligibility criteria that is not stringent and easy-to-meet can be a good option. This factor can also help to avail an instant personal loan when a fund is required at the last minute.

Furthermore, many financial institutions have a tie-up with renowned organisations to provide loans to their employees without any hassle and based on the company’s goodwill. This approach can benefit a salaried person from such an organisation to apply for a personal loan in those institutions.

In terms of documentation, in the case of a salaried person, one needs to show the latest salary certificate of the organisation they are working at and bank statement for the last three months. For self-employed professionals and businessmen, an income tax return for the last two years is mandatory to show.

  1. Compare Different Interest Rate

Many lenders in the market offer different personal loan interest rates. These interest rates are based on the loan amount, credit score, and repayment ability. A borrower should check all permutations and combinations using a personal loan EMI calculator. It will help you compute the EMI to be paid.

While a borrower seeks to avail a personal loan, the interest rate has to be scrutinised since it contributes largely to the actual amount a borrower will pay during the loan term.

  1. Check Repayment Flexibility

Flexibility in repaying the total loan amount can enable a borrower to pay as per one’s own convenience and affordability. By doing so, the EMI can be broken down so that it will suit the borrower’s budget and avoid any default circumstances.

  1. Inquire About Additional Charges

Various additional charges are associated with a personal loan, such as processing fees, prepayment charges, penal interest, and secure fees. These charges should be checked with the lender, as when charged, it might be more than a borrower’s anticipation.

The above factors will guide you to choose a personal loan offering that suits your requirement. So, don’t. Wait. Apply for personal loan, today.

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You Should Know About These Home Loan Products in India

In India, buying a house has become the benchmark for getting settled. Now, many people dream of buying houses, and most of them do so with the help of home loans. But did you know there are different types of housing loans? To meet the needs of different sections of society, lenders offer various home loan products.

5 types of home loan plans that are offered by lenders:

  • Home Construction Loan

If you own a piece of land and wish to construct a house on that land, you can apply for a home construction loan. With a basic housing loan, a lender makes a lump sum payment of the loan amount. However, with a home construction loan, the amount is disbursed in instalments depending on the construction project’s progress. Lenders usually approve the loan amount based on the approximate expenses for construction.

  • Land Purchase Home Loan

Land or plot can be purchased by applying for a land purchase home loan. This loan can even be used for constructing a house. Lenders offer these loans for investment or residential purposes. A land purchase home loan can cover up to 85% of the total value of the plot. With a positive credit score and a good repayment record, it is possible to apply for this loan even with existing home loans.

  • Standard home loan

This is the most common and popular type of housing loan that borrowers apply for. You can apply for home loan to buy a house of your choice. Upon fulfilling all the home loan eligibility criteria of a lender, it is possible to receive 80-90% of the total cost of the house. This loan can then be repaid in monthly instalments.

  • Home Loan Balance Transfer

Many borrowers shift their home loans from one lender to another. If you find another lender offering better benefits than your current one, you can opt for a home loan balance transfer. Mostly, the reason for going for a home loan balance transfer is for a better home loan interest rate. Before making the switch, make sure to read the documents required for home loan balance transfer. This is to consider the actual savings made through the new lender after additional expenses such as processing fees and more.

  • Home Expansion Loan

There are many instances where borrowers look to expand their homes. This could include adding a room or even a separate floor to the house. For such expenses, you can apply for a home expansion loan. Even if the house needs certain improvements or a complete renovation, a home expansion loan can provide the financial cover for it. Now, the expenses for a home extension can go into lakhs. Going for a home expansion loan will help avoid spiralling your costs.

No matter which loan you go for, always make it a point to pick a loan plan that is easily repayable. Make use of a home loan EMI calculator to learn about the loan’s EMIs. This will help you in making an informed decision in picking a suitable loan plan!

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Should we use specialist money transfer services?

One of the most important aspects of overseas travel and overseas stay in the forex. There are several forex services like outward remittance, currency exchange, and travel cards. These services are provided by many forex service providers like banks and forex companies. But why should you go with a specialist money transfer service provider? You can see it for yourself below.

You get better pricing and exchange rates when you prefer a specialist foreign currency exchange service provider. It is because they give priority to forex since it is where they are working their hearts out to serve smiles on their client’s faces. Whereas for banks, forex is an add-on service. And, so the concentration in that area would be comparatively less.

The best foreign exchange companies can help you with solutions crafted for your forex problems. They also provide forex services combined with cutting-edge tech. You can live track the forex rates through their online portal, which enables you to get the best exchange rates while buying and transferring forex. If you can’t get it, dial their customer care and, they can care for you the way you need.

  At last, forex services of these forex companies are easy to use and, the time taken to complete the same is considerably faster. You can opt for a wire transfer or currency exchange sitting at your home using their online service. Their executives will meet you at your place to complete the procedures for the opted services and it will be done in a moment.

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How to Choose the Right Term Insurance Plan?

No one can ever predict what the future holds for us and what our condition will be at a certain point in time. Thus, it becomes necessary to prepare for the financial safety of your family. Once you do this, you can live in the moment without worrying incessantly about securing your family’s future.

There are various insurance products available today to prepare for unpredictable circumstances. These products offer several deliverables customised to fit your various requirements.

Among these exhaustive varieties of insurance products, term insurance plans are among the top contenders. In such plans, the policyholder does not receive maturity benefits if the insured amount is not used within the pre-defined term. However, in the event of an unfortunate circumstance, term insurance provides the policyholder’s family with life cover and financial stability, as regards the policyholder’s nomination and realisation in the fixed tenure.

Read further to know more about what term insurance is and how to choose the right fit for you:

  1. Go for Insurers with High Claim-to-Settlement Ratio

It is critical to know the monetary reimbursement plan first-hand before opting for term insurance. Check whether the plan has a good claim settlement process in place, using its claim settlement ratio. If the claim settlement ratio is high, it means that the policyholder’s family has a greater scope of getting the entirety of the total sum assured.

  1. Check the Ratio of Solvency

The ratio of solvency helps you know the organisation’s capability to pay their long-term loans along with interests. The ideal solvency ratio prescribed by the IRDAI is 150%. Your insurer must have a solvency ratio that is close to 150% and not too high either.

  1. Choose Riders for Comprehensive Coverage

A term insurance plan provides benefits after the death of the policyholder. When choosing the plan, you can also opt for some other features that fit your unique requirements.

Some policies have the option to get riders to grow your coverage and minimise your risks. The following are the benefits of a rider that you should look for:

  • Critical illness: This rider covers certain major diseases, viz. paralysis, cancer, artery bypass, heart attack, renal failure, stroke, transplant of any major organ and coma.
  • Premium waiver: This rider helps during situations that result in defaults by writing down premium payments for the future.
  • Disability cover: This rider cover helps you to have a safety net for your future. This insures you from any accidents that could result in disability, due to an unforeseen accident.
  1. Premium Cost

After determining which term insurance plan suits you the best and if you require any rider benefits, knowing the premium costs is now the final factor.

Do not settle for a below-average policy simply to shell out less from your pockets. The best way to know your premium costs is to use a term insurance plan calculator. This lets you know approximately what you might be paying monthly, depending on the premium tenure of your plan.

  1. Number of Members in your Family and your Income Bracket

You must consider your total income, along with the total number of family members depended on you when opting for a term insurance plan. If you are single and living with your parents, your financial condition would differ from the financial conditions in a marital situation. Keep this in mind to choose coverage wisely. More so, this can help you plan your financial goals for the future.

  1. Consider Liabilities

You might have a few liabilities like your vehicle, personal, home or business loans. Thus, you might want to undo the possible pressure of loan payoff that can fall on your family members when starting your future financial planning. It is of utmost importance to mention the total loan amount repayable by you.


While it is a great idea to hear what experts and peers have to say, selecting a term insurance plan must always be based on your own independent needs. Do not think that it is one-size-fits-all when it comes to choosing a term insurance plan for you and your family. Do consider the above-mentioned points before opting for a plan. Get an estimate of your periodic premiums using a term insurance plan calculator. Always remember to read the fine print of your term insurance plan before finalising your tenure.

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5 Benefits of using a SIP Calculator

Mutual funds have been a boon for those who have invested in these market-linked schemes via Systematic Investment Plan. SIP is a simple and effective way of generating long-term capital appreciation through small fixed investments. What SIP does is that it gives investors the liberty to effectively choose an investment sum that is convenient for them and allows them to invest this sum periodically in a mutual fund scheme of their choice.

A lot of young investors prefer SIP over lumpsum investment because it allows them to overcome market volatility in the long run. Those who invest in mutual funds via SIP do not have to worry about market performance as mutual funds invest in a diversified basket of securities. This means that even if one of the underlying stocks is underperforming, other underlying securities can reduce the overall investment risk and the scheme can deliver returns for its investors. More and more people are turning to SIP investing over conventional investment options like recurring fixed deposits because they are receiving more returns than they ever did from any other investment avenue.

To understand how much returns one can earn from their SIP investments, investors can use the SIP calculator. An online SIP calculator is a free tool that allows retail investors to determine the total returns from their SIP investments at the end of their SIP journey. This is a simple and easily accessible tool that any layperson can use by inputting a few details.

Benefits of SIP calculator

Here are 5 primary benefits offered by the SIP calculator:

  1. It aims to give accurate results

SIP calculator doesn’t take the mutual fund scheme’s expense ratio into consideration while showing the total return on investment. However, it aims to give accurate results. This online SIP calculator is based on the following formula:

M = P × ({[1 + i]n – 1} / i) × (1 + i)


M is the maturity sum at the end of the investment journey

P stands for the SIP sum

n is the number of monthly SIP investments one makes

i refers to the periodic rate of interest

Using the above formula, the SIP calculator helps investors determine the total returns which can help them figure out whether their current SIP investments are enough to help them achieve long-term goals.

  1. It is less time consuming

If you try to manually calculate your SIP returns, it can get a bit tedious and time-consuming. However, if you use the online SIP calculator, not only will it show correct results, but it will do so in just a few seconds. A SIP calculator gives you the following details in a few seconds:

  • Total investment sum
  • returns on investment
  • Investment sum + returns on investment i.e. your total SIP returns

One single calculation is enough for displaying multiple results and this makes an online SIP calculator a time-saving tool.

  1. Conjecture mutual fund investments

A SIP calculator can help plan their mutual fund investments in a better way as they are forecast their investments for various tenures in a jiffy. For example, it will only take a few seconds to find out how a monthly SIP of Rs. 5000 can fetch total returns over 10 years with an average return rate of 10%. Now you can modify these numbers by modifying the SIP sum, investment tenures, or return rate to get a different result.

  1. Allows investors to make an informed investment decision

Investors can compare the results of various mutual fund schemes by changing the interest rate in the SIP calculator. This can help them draw an estimate on the returns a particular scheme might fetch over the investment horizon. Based on these estimated returns, investors will be able to plan their SIP investments in a better way.

  1. Disciplined investing

Upon finding out the magic of compounding by using the SIP calculator, new investors may immediately begin their SIP investment journey, and estimating future returns may inculcate the discipline of regular investing.

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