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How Can Animation Explainer Videos Help You Increase Leads and Conversions?

conversion rate

Successful brands across different industries are constantly looking to increase conversion rates and increase leads. While the most commonly used techniques, like adding testimonials, a strong CTA, social media presence- one of the most beneficial is an animated explainer video.

61% of marketers see video as a “very important or essential” part of their marketing strategy. (Biteable)

The video format brings powerful audience engagement in the digital age. As you can already see, video content is all over the internet. Moreover, people like to consume content in the form of short videos, compared to text-heavy ones. 

On top of it, animated explainer videos work best to drive emotions, create powerful associations with the brand, evoke interest, and lead towards a CTA to ultimately check the company’s website. 

Several benefits of an animated explainer videoanimated explainer

• Simple to understand 

Animated videos with simple easy-to-read texts allow you to introduce your services/products in a brief format. A one or two-minute animated video is sufficient to hook the viewer and lead him towards the CTA. 

When the viewers can grasp the concept of your brand or product/service, they are more likely to visit the website. Additionally, animated explainer videos can be used to attract a variety of audiences – from kids to adults. 

It grabs the attention and makes the viewers listen to what the brand says. As a result, people become interested in the product or service, which increases the ROI and conversion of the business.

Videos work well, especially for complex products related to tech or SaaS. It’s hard to get people to take action if they don’t understand what your product does exactly and how they can use it. Creating an explainer video for SaaS startups will provide a memorable and quick introduction to your product and help you communicate with your target audience efficiently.

• Evokes emotions 

The animation works as an impactful emotion driver. Engaging stories backed by funny illustrations and apt music can contribute a lot towards attracting a viewer. Furthermore, an animated explainer video makes it easier for viewers to understand the logic behind the video and compels them to buy the product/service. 

It is human nature to become connected with things, tangible or intangible. And when your videos make the viewers feel something, you can be sure that they are going to check out your website.  

You can show the story about how the product came to be. Or characterize your employees and show the workings of your company. The options are infinite. 

A nice custom-made video with a truly engaging story, characters, and stunning animation, while using the right colors focusing on the right audience leads to a strong human connection.

If the video is impactful, and the viewer drifts towards the landing page, you can automatically convert him into a loyal customer. 

• Conveys information effectively

We all know that it becomes much easier to understand in the form of video. But, did you know that it is even more easier to convey your message with the help of animated explainer videos? 

Animations can show you a world that real time or live action videos cannot. It allows you to convey information at the visual and auditory levels. For example, with the help of animated explainers, you can show the reviewers what the inside of your product looks like. Or you can easily describe the sound levels of a speaker with the form of waves. 

Packing the essentials in a compact video leaves an impression without making the viewer bored. The better a viewer understands the functionality and concept of a product the higher the chances for them to buy it later. 

• Sharing possibilities of animated videos are high. 

People like to share interesting content and animated videos can be made as interesting as you want. As a result, your content has higher chances of getting viral on social media if it’s in the form of animations. 

But, just making an animated video is not going to do the trick. You need to make a fun, informational video that your audience finds interesting enough to share. And the more shares- the more reach and traffic your website gets! 

Posting animated explainer videos on social media also allows you to engage with your target audience. You can also engage with your followers or build an online community to make the audience interested and spread word about your brand. 

• Make sure that the best team creates the video

Animated videos work best to attract leads and convert them. But that doesn’t necessarily mean every video will serve the purpose. There are a lot of factors that decide how the video will perform online including- the script, voice-over, storytelling, animation, and the flow. 

To ensure your video has the best script, audio, and visuals, you must hire a good explainer video production company, experienced in producing high-quality videos with the specifications you want. 

• Hold your customer’s attention. 

An explainer video informs the audience why your product/service is the best choice and why they should invest in it. All this information often makes the video uninteresting. In addition to that, visitors generally have a short attention span, due to the busy schedules, deadlines, and personal responsibilities. 

Hence, it becomes challenging to hook the viewers to the video. This is where animated videos and product video production can help. Animated explainers have the ability to improve even the most boring content through engaging and enchanting visuals, bright colors, and vibrant audio.

Furthermore, having a good script would ensure the video compels the visitors to convert into customers.

• Increase Brand’s Visibility

Animated videos can also help in increasing your brand’s visibility on the internet and especially on search engines like google. More visibility leads to more viewers, which eventually leads to increased sales.

You might find incorporating animated videos in your content strategy as the most obvious thing to do for making an appeal to your audience. As per Forbes, 58% of businessmen and customers like to watch a short video demonstrating a company’s products and services as compared to listening to lengthy audio. 

If the animated video is compelling enough to create a lasting impact in the minds of your customers, the brand will position its place in their minds.

Conclusion

An engaging animated explainer video is the key to forming a strong marketing strategy. Use social media to put it on fire. An animated explainer video on social media will introduce a brand or product to boost its visibility. And eventually- attract LEADS! 

How to Start a Coffee Shop? The Steps You Should Know!

Barista making a cup of coffee in machine

Coffee is an integral aspect of the lives of Americans and all over the world. Coffee shops are great places for business deals, dates, and catching up with friends and family. 

It’s the place that injects positive feelings and enthusiasm for the day. In the evening it is full of laughter and helps to wave off the stress of the day. 

Undoubtedly, opening a coffee shop is a rewarding career with experts projecting that the sector to rise to 237 billion dollars. 

This post will give you a step-by-step guide on how to start a coffee shop.

Conduct Research

Research is the most critical aspect to provide you with facts and help you in developing a business strategy. Through research, you will get insights into what makes a coffee shop venture successful and the major challenges. 

You will have a better understanding of the demography in your target location and their coffee uptake.

Competitor research is vital to know who you will be competing with and their market share in your area. Researching your competition will help you identify the missing gaps and come up with your main selling point. Industry research will also help you choose the most suitable business entity for your coffee business, whether it is a Sole Proprietorship, an S-Corporation, or an LLC.

You will also get valuable advice from those already in the business and get useful contact persons in the process.

The coffee industry has gone far in the last decade, make sure your coffee knowledge is up to date to address those coffee snobs as well look into coffee blogs for knowledge about Speciality Coffee, alternative brewing methods, etc.

Come Up with a Concept

After finishing the research you should clearly define your business concept. It is the idea that will give you an edge over your competition. From branding, target demography to a secret signature product.

The following questions will help you in formulating your business concept:

Who is your target group?  

Are you interested in students, office professionals, or the elderly? 

What snacks will you offer? 

Many people would like an accompaniment with their coffee. Identify things you will add to the menu and how you will get them.

How much are people in the area willing to pay? 

The pricing is an essential element to determine the number and type of customers you will attract.

Develop a Business Plan

The business plan is your strategy for the new venture. It entails many aspects from the brand name, organizational structure, business model, marketing techniques, market analysis, and financial matters. 

The plan is the instrument that explains your business philosophy and what will make it set apart from the rest.

The plan helps you to understand how much you require and the sources of your funds. In the event you do not have sufficient capital, the plan allows you to create a list of possible financial options you can explore such as loan facilities. 

It will also highlight the financial projections and timeliness when you can break even.

Cost of Opening a Coffee Shop

There is no fixed amount of money in operating a coffee shop. The location, stock, type of equipment, renovations, and furnishings are among the aspects you need to consider. The size of the shop will also affect the capital requirements.

Depending on the location and magnitude of your business it will cost you between $100 – 600K. The price will vary greatly depending on whether you are buying the building or updating the place after a vacancy. 

However, the average cost for most entrepreneurs ranges between $275- 300K. If you are opening a franchise you may need to pay a fee of $10-50K.

Location

A critical analysis of the potential location where you will host your business is key in determining its success and sustainability. Be keen on the traffic of people and the main mode of transport they use. 

For example, in a place where the majority of the people use vehicles, you need to think of the parking space if you are considering a seating arrangement.

Frequenting the potential areas will help you assess the availability of your target market. The proximity of suppliers is worth consideration as it will determine the promptness of deliveries. 

You also need to consider water pipes, drain, and gas installations. Ensure you involve a retail lawyer when leasing a premise to avoid unnecessary disputes and other inconveniences.

Select Quality Coffee

The biggest selling point for your coffee shop is the quality and consistent taste of your beverages. The right blend of the coffee beans will determine the texture, color, and flavor of your coffee. It is this combination that keeps customers coming back.

Your coffee suppliers will affect the quality of every cup and it is crucial to vet them thoroughly. Inquire about the processing procedures and how fast they roast the beans after harvest. Fermentation is common in overstayed beans leading to a rotten taste. A local coffee roaster with different flavors and fair trade certification is the gold standard for coffee suppliers.

Utilities and Equipment

Your coffee shop will need equipment for creating beverages, refrigeration, washing wares, measuring quantities, water filtration, and other utilities such as disposables. 

Transforming the coffee beans into cappuccinos, latte, mocha, macchiato, Americano and other beverages requires the use of special coffee machines. 

These machines include espresso machines, coffee grinders, coffee brewers, hot water dispensers, airpots, and coffee roasters, among others.

You need light cooking equipment such as ovens for making the bread, sandwiches, and cookies. 

High-quality refrigerators help in the preservation of milk, smoothies, and ice cubes for iced tea or coffee. A display case will help to showcase the variety of baked goods as snacks for the coffee. 

An underbar sink and compartment sinks will help in washing and sanitizing the dishes and fresh fruits.

Coffee Shop Interior

The decor, furnishing, and theme colors of your business need to be unique and top-notch. You will have different types of people visiting your outlet and doing different things. Some people will be working from their laptops, reading, catching up with friends, or conducting business deals.

It is paramount to ensure that all kinds of people visiting the shop are as comfortable as possible. Ensure the seats are soft, comfortable with a practical seating arrangement. The lighting should be warm and as inviting as possible. Choose wall paint and artwork designs that evoke excitement and inspiration for your customers.

Hire the Right Personnel

The qualifications, training, skills, and work ethics of your employees will go a long way in advancing your business. 

However, the right culture and attitude will sustain your company despite its competition and business challenges. Ensure that you have a training program for all new staff to acquit them with the necessary skills and for efficient workflow. 

Be keen on the tax and regulatory requirements for your employees.

Permits and Licenses

The government requires individuals to register their businesses. Permits and Licenses are legal documents that you will use to remit taxes. 

It also serves as proof to customers that you are a credible business. It is thus essential that as you plan to set up a coffee shop you visit the necessary authorities and enquire about the procedure.

Final Thoughts

The coffee shop business has been on an upward trajectory ever since and will not likely decline any time soon. 

The venture will give you a chance to make a living as you contribute to making conversations that shape families, friendships, and businesses to a higher scale. 

The above guide will help you to actualize the dream into reality.

Top Software for Technical Analysis in Stock Trading in 2022

stock trading

Technical analysis is a method for trading stocks based on statistics and financial charts. It doesn’t rely on the company’s financial statements. Instead, technical analysis involves analyzing charts of the market or individual stocks.

Technical analysis differs from the fundamental analysis since it deals with stock prices. Whereas fundamental analysis deals with a company’s financial statements.

The best software for technical analysis in stock trading depends on which tools you need to perform your trades. Actually, it will allow you to read stock charts and analyze them. This gives you helpful insights into which stocks are performing well in the market.

Why Use Stock Screener for Technical Analysis?

Traders believe that all relevant information about a company is at its current price. Thus, it may not be necessary to look at a company’s fundamentals when buying and selling shares of stock.

Companies like Stock Rover and Trade Ideas have advanced charting features. They allow you to customize your charts with indicators. They also provide paper trading accounts to practice your strategies without risking real money.

Now let’s look at the top software for technical analysis in stock trading in 2022.

StockRover

StockRover is an excellent stock screener. It features powerful research tools, including a ranking system and technical indicators. The interface is beginner-friendly. This software is also available as an app on mobile devices.

The only downside to StockRover is that it lacks a good stock analysis feature. This makes it challenging to analyze stocks before purchasing them.

The company has recently launched a new version called StocksToTrade Pro. This version includes a stock analysis feature. It also has many other improvements over the previous version of the software.

MetaStock

MetaStock is one of the most popular stock analysis software available. It focuses on technical analysis. The program offers a wealth of analysis tools in a user-friendly environment.

MetaStock lets users analyze stocks, options, and futures. They use more than 300 technical indicators, fundamental analysis tests, and real-time scanning of the global financial markets.

It includes fundamental data on international exchanges. Also over 40 built-in technical indicators that are customizable. MetaStock is not simply a stock screener. It also provides powerful charting features and expert advisors to help you;

  • Spot trends
  • Determine entry and exit points
  • Manage your risk.

The software provides real-time data for stocks, options, and futures. You can also use the software to watch markets such as currencies, commodities, and bonds.

Trade-Ideas Stock Screener

trade ideas

Trade-Ideas has everything you need if you’re looking for the best software for technical analysis in stock trading! Stock screener from TradeIdeas provides real-time information on stocks, options, futures, etc. The company offers many services, including its flagship product: TradeIdeas Pro.

This program helps traders make decisions based on technical indicators such as price action and volume. Users can use these tools to identify trends in the market before others do so they can profit from them!

The best part about TradeIdeas is its simplicity. There isn’t much learning required if you already know how to read charts. It’s a bonus if you can use other trading tools like Fibonacci retracements or pivot points. It’s also an excellent way for newbies who want an easy introduction to technical analysis. That is without learning an entirely new skill set from scratch.

The company offers two different versions of its software: Basic and Pro. Both are available at different prices depending on which features you need most often. If you’re interested in using Trade Ideas, you must understand all the features and options available.

TrendSpider

TrendSpider is an automated technical analysis tool. It helps traders identify the best stock trading opportunities.

With TrendSpider, you can save hours of manual work. This means you’ll have more time to do what matters: trading. TrendSpider’s innovative trading tools help traders of all levels. They can automate their technical analysis and shorten the learning curve.

TradingView

TradingView is a website that provides free real-time charting. It also includes demo trading with advanced technical analysis tools. It is considered to be the best free web-based charting software available.

The site offers almost everything one would need to perform technical analysis, including;

  • Many indicators
  • Drawing tools
  • Trend lines
  • Ability to import custom indicators or build your own
  • You can even use it for automated trading!

NinjaTrader

NinjaTrader is a powerful and advanced online trading platform for traders in the stock, futures, and forex markets. This software is from NinjaTrader LLC in Denver, Colorado. The company started in 2004 and has grown to be a significant player in the online trading industry. It also provides brokerage services to clients with an interest in making trades.

The platform’s charting capabilities allow users to view real-time data on price movements, volume, and other technical indicators. Besides, several social media tools allow users to share information. This includes news feeds and tweets from other traders.

One of the best features of NinjaTrader is its ability to provide live streaming video of market activity.

Get the Best Software for Technical Analysis In Stock Trading Today!

Technical analysis is an excellent skill to have. It takes time and practice to master. But, the more you use technical analysis, the better you get at understanding stock charts. The software programs we above are among the best on the market for traders. They are especially useful for beginners who want to learn about technical analysis.

The best software for technical analysis in stock trading depends on the trader’s needs. For example, some traders may need real-time access to data. Others may not need such precision and can settle for end-of-day data.

Some traders enjoy various charting tools, while others may only need simple line charts. Also, some traders may prefer a web-based platform, while others use a desktop program. With so many different software options available, you need to know your needs as a trader before making any decisions.

How the Top 20 PPI Claim Companies Can Still Help You with Mis-Sold PPI

PPI

Did you ever pay for PPI? Unfortunately, this happens to a lot of people and often, it was offered in the wrong circumstances. For example, you may have been promised that PPI would help you if you lost your job or if you feel ill and could not repay debts you had. It seemed like the perfect security to get and make sure that you always had something to help you if you were in trouble.

However, this was not how PPI turned out. It was uncovered that a lot of people were wrongly convinced to purchase PPI. In fact, many people did not even realise they were paying for it. If this situation applies to you, what can you do?

The Deadline for Claims Has Passed

A deadline was set for PPI claims and this was back on 29th August 2019. So, if you believe that you were mis-sold PPI in the pay, you were supposed to have made a claim by this date. A lot of people assume that it is now too late to make a complaint. Indeed, it can appear this way since this was the general deadline given.

However, we are here to clear up some of the misinformation out there. We can confirm that you might not have lost your opportunity to reclaim the money that was taken from you. So, there was the original deadline but now there is something that is often referred to as making a claim for ‘PPI 2’.

Something that you have to realise is that if you do want to make a PPI claim, it now has to be made in court. So, this is where the top 20 PPI claim companies are going to come in. They are going to be able to take on your claim and represent you. For a comprehensive list of PPI claim companies, follow the link and read the post from Business Cobra. Here, you can find details on these companies and how they are able to help you when it comes to taking on mis-sold PPI.

How Do I Know If I Can Still Make a Claim?

It is important to note that only some people might still be able to make a PPI 2 claim. Namely, this is going to be two types of people. First, if you were someone that did make a claim before but was rejected, it will be possible for you to try again. Secondly, the Supreme Court outlines others that can make a claim for mis-sold PPI. This is going to be if over 50 per cent of the PPI cost was found to be a commission to the company that sold you PPI.

Are you confused about whether you can make a claim? The best way to check is to look at the documentation you have. Perhaps from all of the paperwork, you will be able to figure out whether you are eligible to make a claim. Alternatively, you can ask a PPI claim company to take a look. This way, they are going to be able to outline whether they are able to help you get your money back.

How Can a Top PPI Claim Company Help Me?

If you think that you might be able to reclaim some money you have lost through PPI, you will want to start the process straight away. But, it can be stressful and tedious if you have other tasks to deal with. The best thing you can do is contact a PPI claim company and they are going to take over this for you. They will examine your documentation and they can make a case on your behalf. This is going to save you a lot of time and hassle.

What’s more, when you choose a top PPI claim, they are going to have a lot of experience. This means that the success rate is going to be higher for your claim. You have more chance of getting your money back since the team will have dealt with similar claims before. So, they will understand how the process works and be able to advise you on what you can expect from the situation. What’s more, there are some top companies that are going to offer a no win no fee policy, which means that you will only pay for their services if you receive your money back. You do not have to worry about paying out if your claim is not successful.

Everything You Need to Know About CBD Oil

CBD Oil

Today, CBD products are amazing at the rate of growth in their popularity. They are often mentioned on TV, and on the Internet you can see a huge amount of different information about them. CBD oil is starting to sell on almost every street corner. It can be found in stores, spas, beauty companies, coffee shops, and a huge number of sites on the Internet. Let’s figure out what it is and what is the secret of the popularity of this product.

CBD is cannabidiol found in cannabis plants. It is one of the two most famous chemical compounds found in hemp and marijuana. Another famous cannabidiol is THC. It is this element that has a psychoactive effect on the human body and causes a “high”. This component is found in large quantities in marijuana. To cannabis, its dosage is much less. Therefore, CBD oil is made mainly from industrial hemp, since its purpose is not to cause a “high”, but to have a beneficial effect on a person in the context of medicine. It is in this area that CBD oil is used most often, due to such effects as:

  • Relieve anxiety and stress. This product has a calming effect on the human body. Research has confirmed this information. The participants were divided into two groups. Participants in one group took CBD before the anxiety events, while participants in the other group were given a placebo. As a result, those who took CBD were less affected by stress. If you are using CBD for the first time, start with a low dose and increase gradually as needed. Give it some time – it may take a week or two for you to notice the full effects of CBD. In order to buy cheap CBD oil products with top-notch ingredients, always check the labels of CBD products to ensure they comply with state and federal regulations. You can also check articles regarding the potency and purity of brands done by third-party testing companies to ensure the brand you’re considering to use is transparent.
  • Relief of pain in various situations. This drug may help with pain caused by chemotherapy, multiple sclerosis, arthritis, and some diseases associated with the brain and spinal cord. All experiments carried out in the context of research aimed at obtaining information on the reduction of pain sensations of CBD oil, gave a positive result.
  • Help with certain skin problems. In such situations, CBD is used topically, smeared on the desired areas of the skin. This drug is often used in the beauty industry for these needs. It is added to various gels and creams.
  • Contributes to the treatment of drug addiction. CBD oil helps fight addiction to heroin, opiates and psychostimulants. People who have taken this product have reported reduced cravings for these drugs.
  • Help in the treatment of certain forms of epilepsy. CBD has been shown to be effective in relieving symptoms associated with Lennox-Gaste syndromes and Dravet syndrome. There is a drug under the brand name Epidiolex, designed specifically for this purpose.
  • Helps reduce cravings for smoking. People who took CBD later reported that they had a reduced desire to smoke cigarettes.
  • Relief of symptoms of diabetes. This is due to the fact that CBD is able to reduce the effect of glucose on other cells in the body.

There are also other diseases for which CBD oil will be effective. So the list is quite impressive. It should be said that this product can be purchased in different forms. Here are the most popular ones:

  • Capsules. They are mainly designed to combat various ailments. After taking it, you need to wait a bit to feel their effect on the body.
  • CBD oil itself. The most common and popular type of CBD, which is used both for topical application and for oral administration.
  • Liquids for vape. They are most often used to relieve various pain sensations, since CBD quickly enters the bloodstream and has an almost instantaneous effect.
  • Cream. They are most often tried on in the beauty industry.
  • Drops. Usually used for oral administration

There are also many other forms of CBD, such as patches and chewing gums. Which form you need will depend on your goals. If you want to feel the fastest effect after taking it, take a vape liquid. If you want a strong effect, consider buying CBD oil or capsules. If you prefer edibles, Koi CBD gummies is also a strong contender.

It is better if you consult a doctor before buying. He will tell you what dosage is best for you and explain what other drugs should not be combined with CBD.

Remember that the purchase of this product must be taken seriously. First, determine the purpose of your purchase. This will help you choose the form of CBD that you need and the dose of the substance itself. Be sure to read the label to understand what other ingredients the drug contains and find out all the information about it. You should also ask for a certificate of authenticity from the seller to ensure the quality of the product.

There is another way to get CBD. You can produce medicinal products containing this cannabidiol yourself. To do this, you will need to find a store that offers CBD seeds for sale. Next, you will need to choose the type of seed that suits you best and purchase it. This method is in some ways more convenient and reliable than buying ready-made CBD oil, because in such a situation you are personally responsible for the quality and effectiveness of the final product.

CBD oil is an effective and progressive product. It has many positive effects and is offered for purchase in a variety of forms. If you are thinking about buying it, then be sure to try it. Of course, before that, you need to consult a doctor and responsibly approach the whole process, following all the tips listed above. In this case, you will be surprised by the positive effects of CBD oil. To purchase CBD edibles, click here.

8 Mistakes to Avoid When Purchasing a Life Insurance

Selective focus of magnifying glass,glasses and Insurance Policy letter on a white wooden background.

When it comes to life insurance, there are many things to keep in mind. These include understanding the tenure, premium payments, inclusions, exclusions, and more. It’s not something you want to rush into and avoid making common mistakes that can cost you dearly.

This blog post will discuss some of the most common mistakes people make when purchasing life insurance and how to avoid them. By following these simple tips, you can ensure that you get the best possible coverage at the most affordable price. So let’s get started!

Not Shopping Around

There are a lot of different companies out there offering a variety of policies, so it’s important to compare their rates and coverage options before making a decision. You can use an online comparison tool to get quotes from different providers and find the one that best suits your needs. Even better, consider a Maryland insurance agency to help you find the best insurance that suits your lifestyle requirements. 

Not Understanding the Policy

Before purchasing a policy, read the fine print and understand what is and isn’t covered. Inclusions and exclusions can vary from policy to policy, so make sure you know what you’re getting yourself into. Otherwise, you could end up paying for a policy that doesn’t cover the things you thought it would.

Not Matching the Policy to Your Needs

Many people purchase a life insurance policy that’s far too large or small for their needs. So, make sure you get an appropriate policy for your age, income, and family size. Otherwise, you could be wasting money on premiums or not getting enough coverage in the event of your death.

Not Reviewing the Policy Regularly

Life changes, and so do your life insurance needs. That’s why it’s important to review your policy regularly to make sure it still meets your requirements. If not, you can make changes to the policy or even cancel it altogether.

Not Keeping Up with Premium Payments

One of the worst things you can do is let your life insurance policy lapse because you missed a premium payment. You could be denied coverage when you need it the most if this happens. So make sure you keep up with your payments and set up automatic payments if necessary.

Here are a few tips to help you keep up with the premium payments:

  • Set a budget and stick to it
  • Put the payments on your calendar as a reminder
  • Use an automatic payment system to never miss out on premium payments.

Purchasing a Policy for the Wrong Reason

Many people purchase life insurance without understanding the requirements. For example, some people buy it as an investment or save on taxes. Though this can be a reason, but not the primary one. The core reason you should get life insurance is to protect your loved ones financially in the event of your death.

Not Getting Enough Coverage

When it comes to life insurance, more is usually better. That’s because the death benefit can be used for various things, such as covering funeral costs, paying off debts, and even providing financial support for your family. So make sure you have enough coverage to meet your family’s needs in case of your unfortunate demise.

Not Keeping Up with Changes in Your Health

Your health can change over time, so updating your life insurance policy accordingly is important. For example, suppose you develop a chronic illness or condition. In that case, you’ll need to adjust your coverage to make sure you’re still adequately protected.

Final Word

You can skip making costly mistakes when purchasing a life insurance policy by avoiding these mistakes. 

The Russian Federation, President Putin and the Russian Military are Financially Liable to Ukraine and Its People for All Damages Suffered as a Result of War Crimes, Crimes Against Humanity and Other Human Rights Violations

President Putin and the Russian Military

By Charles H. Camp, Kiran Nasir Gore and Lilia Chu

The ongoing crisis prevents the Ukrainian public from accessing judicial remedies in Ukraine or Russia for the unspeakable and horrific war crimes, crimes against humanity and other serious international human rights violations they face. But this does not mean redress is not possible. Under international law, these crimes amount to jus cogens offenses – the international community universally condemns them and has a general interest in preventing their perpetuation. These jus cogens violations are thus suitable not only for criminal prosecution, but also civil claims seeking monetary damages in the courts of other States under universal jurisdiction. Here, we evaluate the viability of civil claims in the courts of four select jurisdictions, the United Kingdom, Germany, Poland, and Romania, to assess their suitability as venues to provide monetary damages for civil claims by Ukrainians against Russia, President Putin, and Russian military leaders.

Introduction

It has been one month since the Russian Federation launched its war in Ukraine. Without a doubt, the war has already devastated Ukraine’s civilian population. In the past few weeks alone, it is estimated that there have been more than 2,421 civilian casualties. Most of these casualties were caused by explosive weapons with a wide impact area, including shelling from heavy artillery and multiple-launch rocket systems, and missile and air strikes.[1] Such extreme disruption on civilian life has broad impacts: collectively, all national attention and resources have turned to ensure the preservation of life and territorial integrity. In parallel, other public services and infrastructure, such as schools and courts, are no longer functioning and are not anticipated to return to normal operations anytime soon.

But the lack of an operational judicial system does not mean that the Ukrainian public can be denied justice. In fact, justice must immediately be sought against Russia, President Putin, and Russian military leaders for their ongoing unspeakable and horrific war crimes, crimes against humanity and other serious international human rights violations. Since Ukrainian citizens obviously cannot seek justice for these harms in either Ukrainian or Russian courts, it is vital that other States provide judicial forums for Ukraine and its people to seek monetary damages for such crimes and violations.

This article contextualizes the crisis in Ukraine and Russia’s ongoing military invention as violations of international law. Next, it provides the nexus between universal jurisdiction and jus cogens violations. It then evaluates the viability of jus cogens claims in the courts of four jurisdictions that recognize universal jurisdiction, the United Kingdom, Germany, Poland, and Romania, to assess their suitability as venues to provide monetary redress to Ukrainian civilians.

Russian Actions in Ukraine

The fact that violations and crimes are being committed cannot be doubted. Russia’s invasion of Ukraine breaches Articles 2(3) and 2(4) of the United Nations Charter. Russia has challenged the sovereignty of a nation with the unprovoked use of force which has resulted in a severe humanitarian crisis.[2] On March 2, 2022, the UN General Assembly expressed their “grave concern at reports of attacks on civilian facilities such as residences, schools[,] and hospitals, and of civilian casualties, including women, older persons, persons with disabilities, and children” and recognized that the damage being caused by Russia’s military actions is “on a scale that the international community has not seen in Europe in decades and that urgent action is needed to save this generation from the scourge of war.”[3] Additionally, the General Assembly expressed their “grave concern” regarding the “deteriorating humanitarian situation in and around Ukraine.”

Meanwhile, Ukraine has presented claims against Russia to the International Court of Justice (ICJ), where it requested an urgent ruling on Russia’s unsupported claims that Ukrainian forces were committing genocide in Russian-backed enclaves in Luhansk and Donetsk, regions in eastern Ukraine, as a justification for the attack.[4] The ICJ quickly ruled through a March 16, 2022 provisional order noting that Russia should “immediately suspend” its invasion of Ukraine because the ICJ had not seen any evidence to support the Kremlin’s alleged justification for the war.[5] This decision negates Putin’s false invocation of “self defence,” premised on an alleged violation of Article I of the Convention on the Prevention and Punishment of the Crime of Genocide, as justification for use of force against Ukraine.[6]

In delivering the ruling, Joan Donoghue, President of the ICJ, particularly highlighted the portion of the ruling that noted “Russia’s aggression has resulted in numerous civilian deaths and injuries… significant material damage, including the destruction of buildings and infrastructure… creating increasingly difficult living conditions for the civilian population. Many persons have no access to the most basic foodstuffs, potable water, electricity, essentials medicines of heating.”[7] There is no question that Russia has imposed irreparable devastation upon the Ukrainian people.

Even Alain Pellet, a world-renowned international law expert and former counsel for Russia resigned from representing Russia entirely stating “lawyers can defend more or less questionable causes. But it has become impossible to represent in forums dedicated to the application of the law a country that so cynically despises it.”[8] Along these lines, several States, as well as the International Criminal Court, have opened investigations into Russia’s war crimes and crimes against humanity in Ukraine.[9]

Jus Cogens Violations and the Search for Jurisdiction

The nexus between jus cogens violations and the current crisis in Ukraine is clear. Modern international law recognizes jus cogens norms as those from which States may not deviate.[10] Jus cogens offenses are offenses that are universally condemned and that the international community has a general interest in preventing.[11] Since World War II, genocide and war crimes have been widely accepted to as subject to universal jurisdiction.[12] As outlined above, the offenses being committed by Russia in Ukraine are massive impacting civilian lives in violation of the UN Charter and international law and are so egregious they are being investigated as war crimes.

Meanwhile, universal jurisdiction empowers States to assert jurisdiction over other States and individuals committing jus cogens violations even when the offenses do not involve the forum State.[13] This principle was established centuries ago. In the early 1600s, legal scholars adopted “the idea that certain kinds of crimes should be subject to the jurisdiction of any court in the world, no matter where they were committed by or by whom.”[14]

Victims of jus cogens violations who wish to seek redress against their aggressors, unfortunately, often face sovereign immunity obstacles.[15] Modern international law “distinguishes between the public and private acts of a state and generally accords immunity to a foreign sovereign defendant only where its public acts are at issue.”[16] This is because a State’s sovereignty is not encroached upon by limitations placed upon a State actor’s private acts. Further, the international community has recognized that individuals, even State officials acting in their official capacities including heads of State, can be held criminally responsible for international crimes.[17] The general view is that “immunity is an unjust bar to remedies for violations of international law.”[18]

To address this gap, States have employed universal jurisdiction to address jus cogens violations.[19] This is merely a permissive approach that is not available in or endorsed by all States.[20] Fortunately, Austria, Belgium, Denmark, France, Germany, Luxembourg, the Netherlands, Spain, Poland, Romania, the United Kingdom, and other Commonwealth countries, including Australia, have each permitted legal proceedings on the basis of universal jurisdiction for jus cogens violations.[21] In contrast, to date, the United States has declined to exercise universal jurisdiction over jus cogens violations.[22]

Enforcement in States with Universal Jurisdiction

The United Kingdom, Germany, Poland, and Romania each recognize universal jurisdiction and their courts may be favorable to claims by Ukrainians for jus cogens violations. The legal framework of each is discussed below in turn.

United Kingdom

The United Kingdom exercises universal jurisdiction over certain war crimes, torture and hostage taking.[23] UK courts allow “anyone” to apply for an arrest warrant in their courts.[24] However, while UK police are able to investigate such claims under universal jurisdiction regardless of where the defendant is located, the case may only proceed to trial if the accused is found present.[25] In the case of Russia’s war crimes against Ukraine, there is no question that Russia itself maintains a presence in the United Kingdom.[26] However, prosecuting a successful claim against Putin and Russian military leaders may be more challenging if these individuals are not present in the United Kingdom.[27] UK courts allow victims to recover for personal injury, loss or damage in a criminal prosecution.[28]

While UK courts recognize that sovereign immunity applies to acting heads of states, they do not recognize such immunity for acts carried out in a private capacity by former heads of state – a detail to bear in mind should Putin’s position in the Russian government change in the future.[29] Moreover, as a policy matter, the current, unprecedented jus cogens violations being directed by Putin for his own selfish reasons, and clearly not for the benefit of Russia or its people, requires States to revisit their prior rulings that immunized acting heads of state from violations of international law, including jus cogens violations.

Germany

Germany permits universal jurisdiction for claims arising from war crimes, crimes against humanity, and genocide.[30] Section 1 of the German Code of Crimes Against International Law expressly states “[t]his Act shall apply to all criminal offences against international law designated under the Act, to offenses [such as genocide, crimes against humanity, war crimes, war crimes against persons, property and other rights, humanitarian operations and emblems, and war crimes consisting in the use of prohibited methods and means of warfare] even when the offence was committed abroad and bears no relation to Germany.”[31]

Victims may recover in civil proceedings from defendants who either have a residence or assets located in Germany.[32] Such presence is likely given the enormous wealth and financial presence throughout Europe of Russia and other Russian oligarchs – something that has starkly come into relief given the latest round of sanctions and news concerning their enforcement.[33]

Poland

Poland expressly permits extraterritorial jurisdiction over war crimes, crimes against humanity, genocide, torture, and other jus cogens violations through universal jurisdiction.[34] The perpetrator must be present in Poland for the Polish courts to exercise their jurisdiction. Specifically, Article 113 of the Polish Penal Code states that “regardless of the law operating at the site of the committed offence, Polish penal law shall apply… to any foreigner facing extradition when they committed an offence abroad, in circumstances where Poland is obliged to prosecute the crime under international conventions.”[35] Article 113 covers crimes that Poland is obligated to prosecute under international treaties, and crimes that are defined in the Statue of the International Criminal Court.[36] Importantly, in addition to criminal jurisdiction, civil claims are permitted to be filed as “an adjunct to criminal prosecutions” in these situations.[37]

It is possible that Russia, Putin, and/or Russian military leaders could be considered “present” in Poland through numerous contacts with its neighbor.[38] However, this is a matter that must be investigated more thoroughly to be substantiated.

Romania

Romania permits extraterritorial jurisdiction over war crimes, genocide, and crimes against humanity based on universal jurisdiction. Specifically, Article 11 of the Romanian Criminal Code applies to offenses by “a foreign citizen or a stateless person who is located voluntarily on Romanian territory” if “an offense was committed that the Romanian State has undertaken to suppress on the basis of an international treaty, irrespective of whether it is stipulated by the criminal law of the State on whose territory it was committed.”[39] Romanian criminal law criminalizes and defines war crimes,[40] genocide,[41] and crimes against humanity.[42]

Romanian law expressly excludes “offenses committed by diplomatic representatives of foreign States” and it is unclear whether civil claims may be brought concurrently to a criminal prosecution.[43] However, this exception does not apply – it would plainly be inappropriate to argue that Putin and/or the Russian military leaders carrying out jus cogens violations in Ukraine are “diplomatic representatives” of Russia. This opens the door for Ukrainians to seek money damages against Russia, Putin and/or Russian military leaders for their aggressive acts.

Conclusion

The World is witnessing horrific devastation, war crimes, and crimes against humanity directed by Russia against all walks of life – including babies, pregnant women, children, the sick, and the elderly – as well as their homes and businesses in Ukraine for no legitimate reason other than those existing in Putin’s imagination. These acts unequivocally qualify as jus cogens violations.

Universal jurisdiction exists in numerous countries, including the several mentioned in this article, which could provide Ukrainian people with solid forums in which to seek monetary compensation on a scale that has the potential to bankrupt Russia, Putin, and the characters carrying out his criminal instructions.

About the Authors

Charles H. Camp

Charles H. Camp is an international lawyer with over thirty years of experience representing foreign and domestic clients in international litigation, arbitration, negotiation, and international debt recovery. In 2001, Mr. Camp opened the Law Offices of Charles H. Camp, P.C. in Washington, D.C. to focus on effective, personalized representation in complex, international matters. Mr. Camp teaches international negotiations at the George Washington University Law School.

Kiran Nasir Gore

Kiran Nasir Gore is Counsel at the Law Offices of Charles H. Camp, P.C. She advocates before U.S. courts, commercial and investment arbitration tribunals, and investigative authorities. She has special expertise in matters of public international law and international dispute resolution. Kiran also draws on her professional experiences as an educator at the George Washington University Law School and New York University’s Global Study Center in Washington, D.C.

Lilia Chu

Lilia Chu is a Law Clerk at the Law Offices of Charles H. Camp, P.C. She graduated from New York University in 2017 and is currently pursuing a Juris Doctorate at George Washington University Law School. She is a member of The George Washington International Law Review and former Deputy Moderator in Chief of GW’s International Law and Policy Brief. 

References

Sustainable Miami – Eco-Friendly Activities for Tourists

Sustainable Miami – Eco-Friendly Activities for Tourists

Traveling offers a wide range of new experiences and memories. While it’s always thrilling, traveling is very often not so good for the planet. If you are planning to visit Miami any time soon, now you can make your visit sustainable and still enjoy visiting a new city as you intended to. Tourists have a full spectrum of eco-friendly tours and other activities in Miami, so check out Hellotickets in Miami and see what some of our favorite picks are and what we warmly recommend you to do when you arrive in Miami.

Visit the Zoo

Have you ever seen a flamingo in person? How about the Florida panthers? Those and many other animals are the main attraction at the Miami Zoo. Spend one afternoon marveling at some of the most beautiful endangered species in the world. Stay sustainable on your Miami trip and take a walk to the Zoo, where you’ll spend quality time walking around the animals’ habitats. The Zoo houses over 40 endangered species from all over the world alongside thousands of other animals. 

Check out national parks

Spending time in nature is the best way to feel the spirit of a new destination. So, plan to spend a few days outdoors and stop by Miami’s beautiful national parks. Biscayne National Park, Dry Tortugas National Park, and Everglades National Park are the top three choices for those who’ve never visited Miami before. Go boating in Biscayne, experience mesmerizing wildlife and endangered species in Everglades without endangering the environment in the process. Spot some of the most fascinating plant habitats and wild animals in the world at Miami national parks.  

Take an eco-tour to Key West

Take an eco-tour to Key West

Miami boasts a vast variety of tours for everyone’s tastes and budget. So, when you decide to book unforgettable Miami tours, make sure you check out eco-tours such as the one to Key West. Take a day trip to one of Miami’s favorite getaways with the most enjoyable scenic rides in Florida. Taste the iconic key lime pie, walk the beach to witness stunning sunsets, and make the most of your Miami trip. Don’t miss out on Ernest Hemingway’s Little White House while touring Key West.

Pay a visit to museums

When you want to have an eco-friendly trip, include museums in your itinerary. Take a relaxing walk to the Museum of Contemporary Art to witness fascinating art exhibits featuring works of Keith Haring, Gabriel Orozco, and José Bedia, to name a few. History Miami Museum and Peréz Art Museum Miami are other must-visit museums in Miami. In Miami, you’ll find an array of museums offering world-class selections of art, science, history, and artifacts worthy of everyone’s admiration.

Have fun at the beachHave fun at the beach

You cannot imagine a trip to Miami without enjoying fun in the sun. Slather on that SPF and hit the beach for ultimate vacation relaxation. However, Miami’s beaches are more than just locations for sunbathing and swimming. If you visit South Beach, you’ll have the chance to be a part of the fabulous ambiance of volleyball tournaments, Art Deco Weekend, and art shows. Experience most of one of the best vacation areas in Florida, and visit South Beach at night for a bustling and buzzing nightlife. Would you also like to enjoy some amusement center fun while at the beach? Crandon Beach is the perfect location for families seeking more than pure beach lounging vibes. Check out the Bear Cut Preserve, look for mangroves, or rent an entire cabana for a wild party.

Have a walk around city parks

National parks are not the only parks that offer unforgettable experiences to tourists coming to Miami. Take your family on an enjoyable stroll and take in the satisfaction of spending a day outside in the sun. Parks offer thrilling activities to everyone, so feel free to bring kids because they will have a blast on the playgrounds. Pet owners don’t have to worry either since Miami city parks feature dog park areas too. Host a picnic at picnic areas, or go for a jog to athletic fields. Whether you’re a teenager, an adult with a toddler, or a senior, you’ll enjoy the wide variety of outdoor recreation activities when you visit city parks in Miami. Our top three picks are The Amelia Earhart Park, Allison Park, and The Alice Wainwright Park.

Making the most of your trip to Miami will be the best if you decide to make the holiday eco-friendly. Engage in as many eco-conscious activities as possible to become a responsible traveler who cares about their planet. Check out the activities we’ve listed to look for inspiration for your own ideas. Don’t skip visiting any of the locations we’ve suggested, as each one of them hides special gems that will make you want to come back to Miami year after year. No matter how much you explore on your first visit, there will always be more exciting opportunities in the future.

How to Find an Expert in a Particular Field

The idea during the team work.

Whether you’re looking for a qualified personal trainer, licensed therapist, or knowledgable lawyer, it’s always nice to know that the person you are hiring is an expert in the field. It’s comforting to know that the person you are working with is amazing at what they do.

There are many areas of your life that you might need an expert for, such as improving your health and fitness, managing your finances, and resolving your legal troubles. By hiring an expert in the field, you can ensure that you will have the best outcome possible.

Experts are nowhere near as difficult to get hold of as they used to be. Nowadays, professionals in any industry are contactable through the phone, email, or online. If you’re searching for an expert in a particular field, here are some simple methods that you can use to find exactly who you need.

Use a Searchable Website

Just one quick search on a website like Top Researched can pull up hundreds of experts in your local area within a range of fields. Thanks to these websites, you can find exactly who you’re looking for within minutes.

What’s great about searchable websites is that you don’t need to do any of the hard work. They remove the need for you to spend hours trawling the internet to find experts. They do all of the research for you and collate this information into one central space.

You can compare lots of different experts within a specific field side-by-side to determine who is the best for your unique circumstance. Being able to compare several different people like this means you can spot the right professional for your needs and preferences.

Use Keywords in Your Online Searches

Internet search engines, such as Google, work through keywords. The more keywords you use in a particular search query, the more likely it is that you will find exactly what you need.

When you need an expert in a particular field, using as many relevant keywords as possible will speed up the process. For example, if you’re looking for a car accident lawyer after being in a nasty accident on the roads that was not your fault, simply typing the word ‘lawyer’ into Google won’t be very helpful at all.

Instead, use the terms ‘car accident lawyer’ and ‘road traffic incident’ in your search query. This will narrow down the search engine results so that you can quickly discover the best professional for your needs.

Network

If you know somebody who works in a certain field but doesn’t quite have the specific expertise that you’re looking for, don’t be afraid to ask them for a referral. They are likely to know niche-specific experts that can help you with your problem or query.

This is where the phrase ‘if don’t ask, you’ll never know’ becomes very relevant. Even if the person you know doesn’t have any contacts to refer you to, it’s always worth a try!

Can Crypto Stay Neutral?

Crypto Stay Neutral

With each global crisis taking place, the weaknesses of our globalized financial systems’ underpinning mechanisms become more apparent. Economic sanctions are often viewed as an alternative to violence. Global leaders have repeatedly utilized them to meet foreign policy objectives. However, history and practice prove that sanctions are a double-edged sword. One side of the blade swiftly cuts off entire nations, the other side slowly cuts through the confidence of investors and average citizens in the institutions they once called upon to guarantee their financial stability.

One of the first recorded uses of sanctions was in 432 BC, when the Athenian Empire issued them against Megaran traders to ban them from the marketplace and ruin the rival city. Since its conception in 1945, the United Nations has decreed over two dozen sanctions alone. Last year, the IMF “strongly urged” El Salvador to reconsider making Bitcoin legal tender in what very much read like a disguised threat. Nowadays, sanctions can send shockwaves across the globe regardless of which group or nation is currently being targeted.

This brings us to our current financial system: an inefficient structure that is vulnerable to politicization at its best. Its worst is an unreliable universal gateway for monetary transaction processing. Even channels which were established through decades of international cooperation, such as SWIFT, and electronic payment systems like PayPal are not safe as they can be rendered inoperable in a matter of days.

The witnesses of the sanctions are wondering if they can be next to be affected at some point in the future. Such doubts and the prevailing uncertainty of the global geopolitical landscape have reignited a global diatribe across the web. Decisions that twenty years ago might have felt like they existed in a vacuum now have a very clear human cost.

The global dialogue continues then, with many looking beyond the current financial paradigm. More and more people believe that an unbiased and fully decentralized system is necessary to avoid suffering should their nation become entangled in tomorrow’s calamities. As it happens every time there is a global crisis, someone mentions the blockchain. With its decentralized infrastructure, governed by smart contracts with full transparency and no centralized management or interference, the blockchain allows countless cryptocurrencies to be deployed and used as both a means of payment and a store of value. The stateless nature of cryptocurrencies enables them to be used as currency is essentially borderless.

The reality of the situation paints a different picture. Many centralized exchanges operating on the market as cryptocurrency hubs begin to prove that even cryptocurrencies are not free of geopolitical pressure. Recently, Binance has received a lot of pressure for buckling under orders from the United States. This and countless other calls to action by global leaders to pull crypto exchanges in have cast considerable doubts on the capabilities of cryptocurrencies to act as a truly global and trustless currency. Such restrictions significantly undermined the faith of members of the decentralized community in the virtues of the blockchain. Its inherent qualities of decentralization, full transparency, and global accessibility have been overruled.

Cryptocurrency and blockchain adoption, the convenience of using crypto as payment alongside fiat is making global leaders insist that crypto must play by the same rules as fiat- their rules which they make. Unfortunately, until we can achieve full decentralization as a society via a Bitcoin standard (or another form of cryptocurrency), we’re moving in the direction of having to play by these rules. Crypto companies currently have to rely on legacy financial infrastructure to move forward, centralizing themselves and inadvertently aligning with the leading political paradigms. The result might be the undermining of the reputation of cryptocurrencies as reliable means of cross-border payments free of political interests.

With cryptocurrency and blockchain adoption on the rise, the convenience of using cryptocurrencies as a payment method has become evident. Crypto financial infrastructures like Embily offer their clients the ability to use crypto as easily as fiat in everyday life holding VISA-powered cards. Such a tool will help erase the border between crypto and the usual currency for individuals. And legal entities can buy and sell crypto directly from business accounts legally. 

Regardless of the endgame of the sanctions war, the repercussions for the cryptocurrency and blockchain industry may be severe if it does not find a way to remain neutral and act in favor of its global users, who cherish liberty.

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