Techniques Used By An Advertising Agency In Modern Times

In the modern world, with the rapid growth in technology, brands, lifestyle, etc., it is very important to sell and promote the products and services of your business effectively. The traditional methods of television, radio and newspaper are just not enough, anymore. The creative minds of modern day advertisers have to be quick, smart and efficient. They have created new ways and have gone above and beyond the old traditional ways. These days, any advertising agency provides all the services and uses specialized techniques, to promote your brand adequately.

Some of the latest techniques used by these advertisers are as follows:

Consumer Advertising – This technique is informative as well as persuasive in nature. It is used by a full service advertising agency, to advertise the FMCG (Fast moving consumer goods). This technique is used in every medium like T.V., radio, newspaper, internet, etc. Consumer ads are done to pull in the customers who buy products like soaps, shampoos, biscuits etc., on a regular basis.

Industrial Advertising – The manufactures and distributors of industrial products demand for this technique to target industrial buyers. Products like plant and machinery, fabricated machine parts, raw materials, etc., can be promoted. Industrial advertisements are seen on trade publications, and attracts factory owners and businessmen, on a large scale.

Financial Advertising – This technique is used by the financial industry to advertise financial products like bank loans, mutual funds, shares, etc. These type of advertisements are seen in newspapers, magazines, theaters, and now-a-days, outdoor advertising is also used. Financial advertisements are not only issued by the advertisers, but also by the banks. This type of advertising educates the audience on any financial matters.

Political Advertising – This technique is used by politicians to gain votes. It is specially done on mass media, and generally targets the common man. It is a new trend of gaining votes by the political parties. The demand for this political advertisements are high, especially around the time of elections. This technique is a challenge to agencies, as they have to think of an ad campaign carefully, keeping in mind the sentiments of the people of that area.

These are the various techniques in which the product is advertised by any creative ad agency. There are many other techniques to advertise products, according to the category that they belong to, like lifestyle, B2B, classifieds, retails, etc. These techniques are used in the present competitive markets to target the appropriate audience and increase the sales of products and services for your business.…

How to Spot Every Issue on a Law School Exam

For purposes of writing a legal exam, issues are anything that a professor may give you points for noticing or discussing. Generally, unless the question asks only about specific issues, you should discuss all applicable legal theories, claims, causes of action and defenses assertible by or against any and all parties or potential parties. In addition to the subjects of the hypothetical and other obvious parties, be alert for less-obvious parties like the following: the manufacturer of a product that caused an injury; the “innocent bystander” who ostensibly suffered no injury or has no liability; the owner of land where an injury occurs; the government agency responsible for doing an act or protecting obvious parties; and any individual or entity who at any time might have exercised some control or authority over a person, place, thing or policy which has caused an injury.

There are five important things to remember when spotting issues.

First, read the question! Before reading the body of the hypothetical, read the question or questions following it. Some academics call this the “call of the question.” You may find an open-ended question such as “Discuss the parties’ rights and liabilities,” a more narrow question focused on particular parties such as “Discuss A’s rights against B,” or an extremely narrow question focused on only one issue such as “Was there consideration for A’s promise?”

Now that you know the question(s), read the hypothetical with each question in mind. Obviously, you don’t want to reread or scrutinize a hypothetical more often than is necessary. If a question asks only for A’s rights against B, don’t waste time thinking about A’s rights against other parties.

Your first read of a hypothetical should be just a quick scan to get a general understanding of the facts and the chronology. The second time you read it, spot issues and note them in the margin. As you go through the hypothetical, circle dates, transactions, terms and parties that suggest issues or elements of legal rules. Mark up the hypothetical to your heart’s content – your professor’s not going to see it, and any notations you make will facilitate your outlining process. Finally, read the hypothetical a third time, making absolutely certain you are familiar with all relevant facts and have noted every conceivable issue.

Second, think like a lawyer. Adopt an attitude that is at once aggressive, objective and creative. Remember that in many cases, the only thing distinguishing a superior answer from a mediocre answer is that the superior answer discusses more issues. Analyze the facts from every perspective, putting yourself in the shoes of each party’s lawyer in turn. Imagine that real clients are involved, and that they want to win! Muster every argument which each party could advance in its favor.

Also, think about the objectives of the parties. What does each party want, and what will he, she or it have to establish to get it? For example, in the sample contracts exam on page 81, Mary’s objective …

Equity of Redemption and Law of Mortgages

Mortgages provide for the repayment of the loan on a specified date. The effect of failure to redeem on the due date meant that the legal right of the mortgagor to extinguish the mortgagee’s rights had gone forever, and in addition, the mortgagee could sue for repayment of the loan. This did not appeal to equity, therefore the courts evolved a rule that the mortgagor could redeem the mortgage by paying back the mortgage debt and all interest on it at any time before the mortgagee sold or foreclosed. This has had a major impact on new home owners versus the frequency of Jamaica home rentals.

This right of the mortgagor to redeem after the due date is his equitable right to redeem. But from the start of the mortgage, the mortgagor has been possessed of a species of equitable interest known as the equity of redemption.

This interest is a bundle of equitable rights, including the equitable right to redeem.

Law of mortgages

A mortgage is a form of security for the repayment of money lent. Mortgagor (Borrower) is the party who conveys the property by way of security. Mortgagee is the lender who obtains an interest in the property. The importance of the mortgage is that if the borrower fails to repay the mortgage debt, the lender has the powers under the mortgage, of realizing the value of the mortgaged property and repaying himself out of the proceeds.

Equity of Redemption – suppose a house worth $100,000 was mortgaged to secure a loan of 25,000. Obviously, the mortgagor still has asset worth $75,000. This is an equitable estate – the equity of redemption. Without paying off the mortgage, the borrower can sell, lease or devise his interest. This is in fact transferring the equity of redemption. He can also mortgage it, so that there may be a number of mortgages affecting the property.

The mortgagor has two rights to redeem his property:

1) The contractual right on the date specified in the deed, and,

2) The equitable right to redeem, on payment of principal of the loan, the accrued interest along with fees and loan costs, and establishing proper notice to the mortgagee. This does not take effect until and unless the contractual right (the mortgagors prerogative) to redeem, on the date fixed in the mortgage has passed. This process of curtailing the equitable right to redeem and so leaving the mortgagee with a fee simple is known as foreclosure.


A foreclosure puts an end to the equitable right to redeem and so destroys the equity of redemption. It therefore follows that the right to foreclosure cannot arise until the legal date for redemption has passed; for only then does the equitable right – which is the victim in a foreclosure action – arise. An action may apparently commence immediately the legal date has passed, but in practice however, an action for foreclosure is not usually begun except after such default as might justify a sale. While …