"How to Win Friends and Influence People" is a self-help book written by Dale Carnegie that focuses on the importance of building and maintaining relationships in order to achieve success in both personal and professional life. Here are 20 potential learnings from the book:

In conclusion, "How to Win Friends and Influence People" is a classic self-help book that provides practical advice for building relationships and influencing others. Some of the key learnings from the book include the importance of showing empathy, giving sincere appreciation, and focusing on the other person's interests. Other important strategies include avoiding criticism, arguing, and trying to make the other person feel important. By following these principles, you can improve your relationships and build more positive connections with others.

"How to Win Friends and Influence People" is a self-help book written by Dale Carnegie that focuses on the importance of building and maintaining relationships in order to achieve success in both personal and professional life. The book offers practical advice on how to build strong relationships with others and how to effectively communicate and influence others in a positive way.

One of the key themes of the book is the importance of showing genuine interest in others and listening actively to what they have to say. Carnegie emphasizes the importance of building rapport with others by finding common ground and making them feel valued. He also advises that when trying to influence others, it is important to present your ideas in a way that aligns with their interests and values.

Carnegie emphasizes the importance of being sincere and authentic when interacting with others, and warns against using flattery or insincere praise, which can be counterproductive and damage relationships. He also advises being open and honest about your own mistakes and weaknesses, as this can help to build trust and credibility.

In order to build strong relationships, Carnegie advises being patient and understanding when dealing with difficult people, and being open to feedback and learning from your mistakes. He also emphasizes the importance of being reliable and following through on your commitments, and finding ways to help and support others.

Effective communication is another key component of building strong relationships, and Carnegie advises being open to new ideas and perspectives, even if they differ from your own. He also emphasizes the importance of being able to effectively manage your own emotions and behaviors, and treating others with respect and kindness.

In addition to these practical tips for building and maintaining relationships, Carnegie also emphasizes the importance of being open to new experiences and taking risks, showing gratitude and appreciation to others, and being flexible and adaptable in your interactions with others.

Overall, "How to Win Friends and Influence People" is a valuable resource for anyone looking to build strong relationships and effectively communicate and influence others in their personal and professional lives. The book offers practical and actionable advice on how to build rapport with others, manage difficult interactions, and effectively communicate and influence others in a positive way.

"The Intelligent Investor" by Benjamin Graham is a classic investment guide that aims to teach readers the principles of value investing, which is a long-term, disciplined approach to investing that focuses on buying undervalued securities. Graham argues that this approach is a more reliable way to achieve long-term investment success than trying to predict short-term market movements or following the advice of experts.

One of the key themes of the book is the importance of understanding the difference between speculation and investment. Graham defines speculation as trying to predict the direction of the market or the performance of individual securities, and investment as the purchase of securities based on their intrinsic value. He argues that speculation is inherently risky and that investors are better off focusing on value investing, which involves buying securities that are undervalued relative to their intrinsic value.

To implement a value investing strategy, Graham recommends several key principles. These include diversification, which involves spreading investments across a range of securities in order to reduce risk; margin of safety, which involves buying securities at a discount to their intrinsic value in order to provide a buffer against potential losses; and discipline, which involves sticking to a long-term investment plan and avoiding the temptation to make impulsive decisions based on short-term market movements.

Graham also emphasizes the importance of having a long-term perspective and avoiding the common mistake of trying to time the market. He argues that the key to investment success is to focus on building a diversified portfolio of undervalued securities and holding them for the long term.

In addition to providing practical advice on value investing, the book also addresses the psychological barriers that can prevent investors from achieving success. These barriers can include overconfidence, the fear of missing out, and the tendency to follow the crowd. Graham encourages investors to overcome these barriers and to maintain a disciplined, long-term approach to investing.

Overall, "The Intelligent Investor" is a comprehensive and thought-provoking guide to investing that provides readers with the tools and knowledge they need to implement a successful value investing strategy. It is a valuable resource for anyone looking to build a long-term, financially secure future through investing.

"The Intelligent Investor" is a classic book on investing written by Benjamin Graham that has been widely influential among investors and financial professionals. The book offers practical advice and guidance on how to make informed and intelligent investment decisions. Here are 50 lessons from "The Intelligent Investor" that can help you make better financial decisions:

Importance of marketing for a tourism destination

The concept of marketing is now better and widely understood as compared to the early stages. When it comes to travel and tourism, many organizations are adopting marketing strategies that have a positive impact on results. Systematic strategies should be used according to market needs and expectations. Organizations such as hotels, travel agencies, airlines and other organizations in the tourism industry today face a lot of competition.

Marketing is of great economic importance because it generates more income, creates employment opportunities, brings in foreign exchange earnings and influences economic development. Only effective tourism marketing strategies, tools and technologies help find potential clients and clients find travel agencies.

fig. Core Marketing Concept

The concept of marketing clarifies the needs, wants and requirements of each consumer for a product and through marketing the product is offered. If customers are satisfied with what they get in exchange for their money, they are satisfied. Therefore, the market is not only buying and selling of products, in a broader context it is the exchange of a product with some transactions and relationship marketing.

Destination based marketing strategies

The world is a global village today, with access to information technology, people can gain a lot of knowledge from the internet. People are more educated and are also discovering new tourist destinations, so there is more competition in the expanding market. Well-designed marketing strategies help a destination generate more jobs and more income. In destination marketing, external and internal environment such as organizational structure, government policy, branding, image, target markets and marketing communication are important factors.

DMO (Destination Marketing Organizations) managers at a group meeting in the USA cited as challenges: adapting to technological changes, destination management, new level of competition and finding new measures of success. It is also important to have knowledge of current research findings, market best practices, case studies and conference reports.

Promotion

Promoting products means making it easier for customers to find you. It is very difficult for a company to exist in global markets without proper promotion. Although there can be many ways to promote, digital marketing expands this concept. There are many media online and on the internet that are not expensive.

In the traditional marketing method, promotion is done through advertising on radio, television, newspapers and magazines. Emails, street billboards, and program sponsorships are also traditional methods of promotion. Digital promotion in inbound marketing is a fast way to spread the word, especially in social networks and search engine optimization.

SWOT-analysis

SWOT analysis is a necessary systematic step in identifying problems and solving problems related to the current market situation. When preparing a new marketing plan, marketers must always be aware of socio-cultural, economic, political, technological, environmental and legal factors. Many internal and external marketing forces influence the current shape of the market. The purpose of a SWOT analysis for an organization is to identify the strengths and weaknesses of the business and the opportunities that the business environment presents and any threats that the company faces. This helps to take the next steps.

Before creating marketing strategies, the SWOT analysis method helps to find the organization's strengths and weaknesses, opportunities and threats. This level of analysis allows the organization to determine whether factors are present that will facilitate the achievement of specific goals (due to an existing strength or opportunity) or whether there are obstacles that must be overcome before the desired outcome can be achieved (due to a weakness or threats).

In tourism, they need to be viewed from the perspective of the client, not the organization. Positioning and brand image are very important factors for both clients and the company. A strong and positive image is always a key force for the target market.

Marketing tools

Increasing the level of digital marketing is important these days because people search for most things on the internet. Various search engines, mobile phone design, email marketing, photo and video marketing are so extensive digital marketing and web application development also helps to break down e-marketing strategies.

Branding

Branding makes a product unique and helps identify it in the market. There are so many similar products in the market today from different brands. As branding is a marketing process, it helps create a product image and differentiate itself from competitors. The brand also attracts customers in a significant way. Destination branding is also an example of this and popular destinations such as the Great Wall of China, Niagara Falls have names that are known around the world.

Social media

Social media are very important tools for marketing tourist destinations. Old strategies must be replaced by new technologies. Social media are fast marketing tools because nowadays many people around the world are using social media like Facebook, Instagram, YouTube, LinkedIn, TripAdvisor, Google+, Twitter and many more.

Income tax imposed on individuals (or family units) and corporations. Personal income tax is calculated on the basis of received income. It is usually classified as a direct tax because the burden is likely to be on the individuals who pay it. Corporate income tax is levied on net profit, which is calculated as the excess of income over allowable expenses.

Classification of Tax

Taxes are a crucial source of revenue generation and mobilization. In the country, all people have defined taxation in different ways. In this regard, it would be better to adopt the definition given by Prof. Seligman. In his words, "Taxes are principal fiscal policy instruments, and essential government policy tools have a crucial role in increasing the rate of capital formation." Taxes play a crucial role in increasing the rate of capital formation. A high percentage of economic growth can thus be achieved. Taxation can also play multiple roles.

On the one hand, taxation is used to make the maximum amount of resources available to the public sector. Taxation, on the other hand, is used to encourage healthy private-sector investment and to prevent resource waste caused by speculative and unproductive investment, as well as lavish and luxurious consumption.Thus, taxes in developing countries serve as a means of raising revenue. The government can therefore use taxation as a useful tool to provide incentives for proper growth in savings, investment and gross domestic product. However, in Nepal, tax policy is mostly driven by revenue generation. Depending on the payment methods, taxes are divided into two important categories: direct taxes and indirect taxes.

Direct tax is collected directly by the government from the person who bears the tax burden. The incident and the impact are both on the same person. In other words, the same person pays and bears the tax burden. The following taxes remain under direct taxation: income tax, wealth tax, interest tax, capital gains tax, vehicle tax, gift tax, and expenditure tax.

An indirect tax is charged to one person but partially or fully paid by another. In other words, the person who pays and bears the tax is different. The following tariffs remain under indirect taxation: value added tax (VAT), excise duty, sales tax, import and export duties, entertainment tax, and hotel tax.

Different insurance companies have different methods and systems to do online insurance over the internet. It basically contains a database where customers submit their information about various aspects of insurance. William R. Hartigan, who was the inventor of a ``method and system for providing online insurance information,'' invented a database containing individual data fields storing insurance information, including various limits and features of coverage for insurance policies. In addition, the insured can also access and view insurance information using a combination of access and password.

However, evolving technology allows insurance companies to constantly modify their websites to make them more customer-friendly. Business Models for Insurance E-commerce can be categorized according to the classic build/buy/borrow business marketing strategy model.

Company website (Built)

• Contract/referral generator
• Sales initiation
• Real online sales
• Online sales of specific products

Supermarket/mall (Buy)

• Carrier leads
• Agent referral
• Online agency

Based on the relationship (Borrow)

• Portals, banners
• Event triggered links

Business Model

Cope with the changing market environment is a challenging job for the insurance industry. The distribution of insurance products via the Internet has brought a new innovation for many insurance companies. Various models are being considered to provide wider access to the online insurance product in an efficient manner. Some of the emerging business models for online insurance are described below:

i) Intermediary Market Place Model

- This model creates a strong marketplace that is connected to the best available seller and potential buyers. This is based on the Business to Customer (B2C) marketing line, where the buyer has the opportunity to choose the best product at the right price. This model drives customers to know their needs and increase their knowledge in order to find out what is best for them.

This insurance business model has created a powerful online insurance marketplace that is connected to its buyers and sellers. These companies play a key role in connecting these services and providing them to the right users. Companies like InsWeb (www.insweb.com) are perfect examples of this model where this company has built a marketplace where the customer can know and learn their needs about the product that is right for them. On the other hand, it gives the seller an opportunity to focus on their target customer and create a service accordingly. Insweb provides a great platform for both suppliers and buyers as it directly connects its customers with insurance companies.

There are several benefits to both parties involved in this brokerage market. In this model, the customer can choose from a variety of options, and the seller get constant feedback about the market demand and can shape themself accordingly.

ii) Marketing support only

- This model is a traditional approach where the customer can communicate directly with the company concerned. Since insurers can directly use the host company's website and access various services and products online, they feel a sense of security in knowing information directly from suppliers, rather than the earlier model through an intermediary.

Fig: Marketing support only

Allianz (www.allianz.com), a leading non-life insurer worldwide, adopts this model and gives its customers a good opportunity to interact with them through their website. Customers can get the necessary information and services about their product online. In addition, the customer can contact the company's staff through e-mails and telephone for any questions and information.

iii) Eyeball attractor

- Eyeball attractor is a modern technological model in the online insurance sector. It is based on a Business to Customer (B2C) line marketing business approach same like marketplace model. In this model, the host organization has various products on its website that are associated with various vendors. So the mechanism of this model depends on whichever advertisements or products get more ‘click’; they are referred to supplier who is providing that services.

C=Consumer

S = Supplier

Fig: Eyeball attractor model(Arora 2003)

Insurance Benefits (insurancebenefits.com) is based on this model where customers click on the best possible service or insurance products. The company gets benefits from the number of referrals made as a result of customer interventions on a particular provider.

iv) Reverse auction

- This model is unique in its own nature of business, where buyers take advantage of the choice of suppliers who participate in the offer. In other words, buyers make an offer and customers get the opportunity to choose the best possible buyers in the online insurance industries. It's a different kind of model and it's called a reverse auction because the trading is reversed, which has a huge effect on consumer demand.

An insurance exchange (www.theinsuranceexchange.com) is based on this model, where a customer fills in his request and various online insurance companies associated with this company bid on that request. Finally, the customer is presented with various proposals from different offering companies with alternatives and the customers have the right to choose which one is best for them.