Occurs if you obtain a list of residents aged 50 and over in your city. you send out a mailer to each one where you outline the services your business offers.

I would say this occurs if you pay attention to the demographics of the local population ie especially the age group so that the particular age group can be targeted with products that are appropriate for them as different age groups of people have different needs.

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan