Improving Current Business Relationships With Trade Show Displays

Tuesday, April 30, 2013

Trade show displays are usually used to generate new business and connections. Bu they are also a great way to cement existing professional relationships in order to build a powerful support system. This support system becomes vital to running the business, maintaining a high level of profits, and may even protect it from damage.

Building Connections With Staff

While it may sound a bit odd at first, trade show displays are a great way to connect with staff and build morale. Trade show displays require staff members that are quick and efficient at dealing with customers as well as knowledgeable about the company, its products, and services. These positions are often senior members of the sales team or company, but not necessarily.

Creating and running the booth is also a great time for management to get to know more about its employees. Working in a smaller group for an extended period will make it much easier to see each team member's strengths and weaknesses so that future ventures can be set up to get the best from everyone. It is also an opportunity to see who comes up with creative ideas and who has a passion for their job, and get some great feedback on other areas of the company.

Get To Know Vendors

Trade show displays create the ideal opportunity to improve relationships with existing vendors, as well as connect with other suppliers who may provide better products and services. Invite ones you're curious about or visit with them if they have a booth at the same exhibition. The important thing is to at least make an effort to meet them.

If the company already deals with the vendor, don't be afraid to treat them with some bigger giveaways. It is also a good time to bring up any issues or concerns as well as any praise or comments. For new vendors, use the booth as a chance to get to know them, see what their products and services are like, and find out if they offer a better deal than the one you're currently purchasing from.

Communicating With Existing Customers

In today's market, the human component of a company can make a huge difference in its sales and overall image. Therefore, if there is an opportunity to meet current customers and say 'thank you,' be sure to do so. Greeting them doesn't take much time either. Simple recognition and a friendly smile are often enough to leave a good impression.

Of course, be sure to deal with any problems or grievances right away and turn a potential bad PR nightmare into powerful word of mouth advertising. Invitations to the year's trade show displays also serve as a good reminder for the company and make the customer feel important.

Trade show displays are a great opportunity to meet with staff, vendors, and customers, so be sure to take it. This will ensure each show is as beneficial as possible and give everyone a positive experience. And the happier everyone is with the company, the better its chances are at being successful.

Borrowing Money With Bad Credit

Monday, April 29, 2013
How To Hassle Free Borrow With Job Earnings

It you have a job and need to borrow money for a short term emergency, you can use your salary as "collateral" to a bank or lending company and they will let you borrow the money you need. When borrowing money with bad credit you need to be creative. Payday loans are the most common loan of this type that accept people with bad credit but if your income is high enough you can use it to qualify with a regular bank for more traditional borrowing.

With a job pay advance loan you must provide a post-dated check and lender will deposit the money you borrow into your checking account, repayment will draft automatically when you receive your due paycheck from employment. Payday loans are very popular because of their flexibility, near instant funding and easy approvals, with millions of dollars borrowed each and every month.

Advantage:
Near Instant Money Funded Direct Into Your Account
No Credit Check - Bankruptcy OK, Foreclosure OK, Repossessions OK
Quick, Easy Online Application Process - Fill Out A Quick Form To Borrow
Loans Borrowed Are Unsecured - No Security Needed

Disadvantages:
Attaches To Your Bank Account
Expensive Borrowing Costs
Paycheck Deductions Mean Smaller Paycheck Come Next Payday
Typically Short Borrowing Repayment Periods

Have you heard about the dangers of borrowing payday loans? Well there is truth in what is said, borrowing too many payday loans at once can lead to a bad situation in which all the payments are deducted from your paycheck leaving little left for you come next payday. As you can imagine, not an ideal situation that can lead to financial trouble, but if you know how to manage payday loan borrowing effectively, it can be a powerful financial tool in a pinch.

Learn How To Easily Borrow With Creative Security

If you are cash strapped, broke, in need of money fast, the first avenue many turn to is to use a pawn broker where you can pawn personal items of real value to the store. These stores will accept personal items like jewelry, watches, gadgets, musical instruments and even personal computers.

The pawn broker will assess the value of your item and the money will be given to you in exchange for your personal items as security for the loan. If you fail to meet the repayment obligations the pawnshop will keep what you put up as security for the money.

Advantage:
Instant Funding of The Money You Borrow
No Credit Check - Bankruptcy OK, Foreclosure OK, Repossessions OK
Simple Borrowing Process - Typically a Short Form To Fund
Very Flexible Acceptance of Security Items

Disadvantages:
Requires Security Deposit of Something Valuable
You Can Only Borrow A Small Portion of The Securities Actual Value
High Borrowing Costs

Most pawnshops will keep the items you have for a month or more with interest. If you are not able to pay to redeem the loan in a month, you can renew the pawn agreement effectively extending the terms paying only interest. It will go on until you get your item back. If at any time you stop paying the monthly interest on the money you borrowed, your personal item will be forfeited, put on sale or auctioned off. The monthly interest rate is high too. Not necessarily the ideal solution to borrow money with bad credit, a pawnshop loan offers an option that can be considered in an emergency.

How To Quickly Borrow Against Your Car Title

Another method for borrowing money with bad credit is to use your car as collateral. Most title loans for bad credit people will not require a credit check and use the car to secure the money you borrow.

Additionally you can consider borrowing using a refinance of your car loan, in which you borrow in excess of what you currently owe. In lieue of a title loan check out our recommended bad credit car loans for a possible refinance, in some cases you can quickly reduce what you pay in bills and free up additional money. Both borrowing options require a certain minimum value in your car and or the equity you have in the car. The amount you can borrow is based on your autos value.

The lender will ask to assess your vehicles value which as you would suspect includes factors such as the vehicle model, its condition and the year it was made. Borrowing with bad credit based on a title loan will let you get access to money in a hurry, but the lender will keep the title on your car as security for your repayment. Much like payday loan borrowing the grace period for repayment is typically 30 days and it is renewable every month thereafter, but this can vary so read your contract carefully.

Like all borrowing with bad credit, a title loan will inherently have a high percentage interest charge, and can be considered expensive when compared with good credit loan options. This is the unfortunate reality when borrowing bad credit money. If you default in payment or you are falling too far in arrears with your payments the lender has the option to repossess your vehicle.

Advantage:
Fast Borrowing Option
Bad Credit OK - Bankruptcy, Foreclosure, Repossessions Accepted
Possibility Of Borrowing Bigger Loan Amounts

Disadvantages:
Car Value Assessment Must Be Made
Car Pledged As Security - Risk Of Losing Car In Case of Default
High Borrowing Costs

If you default, the lender will sell your vehicle to replace the borrowed money. If the cost of your vehicle is not enough to cover the loan that you have borrowed, you will be asked to pay the difference on top of losing your car to repossession. You have the option to recover the vehicle in some cases but you will have to do it before the vehicle is sold to another buyer and you need to pay the necessary fees which can include the interest, repossession fee and the outstanding loan amount you have with the title lender.

Beware of title loans as you could well be pledging as security your means of getting to and from work.

Understanding How To Borrow Money With Bad Credit

Are you noticing a trend among the borrowing options for people with bad credit? Higher costs, interest increases, risk of pledged security, and hassle. To borrow a with bad credit history you need to make it worthwhile for lender in some way, to make it worth the higher risk of letting you borrow the money you want. Unfortunately that translates into higher fees in most cases.

Knowing how to borrow with bad credit is as much about understanding what the lenders want to make the loan a win win for both parties.

Your bad credit score need not prevent you from borrowing, but the best option is to work to fix your credit, get back on your financial feet and unlock all the benefits good credit borrowing can provide.

If you want to learn more about creative borrowing for people with bad credit check out our guide on how to buy a house with bad credit. Or check out how to get a mortgage with bad credit if you are interested in financing your home.

How Counterfeit Products Hurt International Trade

Saturday, April 27, 2013

Let's say you have decided to start your own business. You wish to set up a retail or wholesale outlet that distributes clothing, food, or electronics throughout your region, state, or even worldwide. You know it's important to get products to sell at cost, so you can earn a profit through sales. You may discover, however, that the price of goods may be too much to handle as you prepare to launch. The temptation to cut corners with products that aren't quite genuine is tempting.

When you visit a global trade portal looking for potential suppliers, you want to be sure each company you deal with is legitimate, and offers a fair price. If you suspect a vendor wants to sell you counterfeit goods - knock-offs of top shoe and clothing brands, jewelry and electronic devices - know that if you agree you hurt not just your business, but put the economy at risk.

Counterfeiters Hurt Global Trade

When you deal with dubious manufacturers, you contribute to the weakening of supply chains. As more money flows into these operations, it takes income away from legitimate workers, and as the poor quality of fake merchandise is revealed it may dilute the trustworthiness of the brand. Word of mouth is a powerful marketing tool, and if a consumer isn't observant enough to tell a false item from a genuine one, it won't matter to them when they receive faulty merchandise. They will see the logo and let people know not to buy.

When you, as a business owner, deal with counterfeiters you put your own reputation at risk, too. Should product fall apart or break down shortly after purchase, customers will know not to offer repeat business. If injury or illness results, too, you could be held liable.

It's important to engage in international trade exchanges with reputable suppliers in order to maintain a successful business. Browse any supply chain portal for information on solid suppliers of clothing, antiques, household items and perishables. Don't fall into the temptation of cutting corners with counterfeit items - it could prove costly later on.

Why You Should Consider Umbrella Insurance

Why do you carry an umbrella? The easy answer is so that you protect yourself from the rain, right? Well, not exactly. You also carry an umbrella in case it rains, at least forward-looking people do. And business owners and professionals looking for the right insurance always have to be forward-looking, don't they?

In other words, an umbrella is an "insurance policy" in the event that weather disaster strikes you. You may have a waterproof coat on. You may be wearing rain boots. You might have even picked a route to walk on which provides you the maximum shelter from rainfall. But you'll still carry that umbrella around with you because you want to make sure you don't get soaked once the unwanted event occurs, don't you?

Well, it's not all that different when it comes to formal insurance polices. It's why they've come up with something actually called umbrella insurance. Those creative geniuses in the insurance industry have an answer and a name for everything, don't they?

To put it in the simplest terms, umbrella insurance is extra coverage you get just in case you your basic coverage runs out. So, if you have, say, professional liability coverage of up to $1 million, and a claim is made against you for $1.5 million, the umbrella portion of your coverage can kick in and prevent you from paying the full amount. Just as a real umbrella can save you from the disaster of your hair getting wet, despite the most waterproof hat on the market, good umbrella coverage will provide you with protection in case your basic coverage gets soaked, too.

There are essentially two advantages to obtaining umbrella insurance. One is that it can leave significant assets covered for a relatively small price. The other advantage is that it can simply provide you with more comprehensive coverage -- above and beyond individual policies such as professional liability.

Individuals or professionals who have considerable assets that could be at risk under the threat of a lawsuit might want to consider an umbrella policy. Professional liability alone may not be enough, since the limit of that policy could only cover a certain amount of your assets. By investing in an umbrella policy that would increase the amount of your assets covered, the potential savings in the end could far outweigh the additional costs. Liability insurance is meant to protect you from the nightmare lawsuit. Umbrella insurance does just that if you have considerable assets that could be at risk.

The other thing to take into consideration is that, not only does an umbrella policy provide you with added insurance, just like a real umbrella, but it also provides you with coverage that brings together various different aspects of your specific insurance policies. In other words, this kind of policy puts under one umbrella components that would otherwise be included in separate coverage. There go those insurance experts with their clever titles again. So, a good umbrella insurance package can not only end up costing you a bit less to cover more assets, it can save you the time and effort to seek out individual policies to cover various different components of your business.

For example, instead of, say, getting one policy for professional liability, another policy for property coverage, and yet another for worker's compensation, a cleverly constructed umbrella policy can create for you elements of all of them, save you money, and leave you more widely and deeply covered than you otherwise would be. Like all good insurance policies, it leaves you prepared for when that rainy day hits. You'll have that umbrella over your head to meet that day when it comes.

Now, before coming to the conclusion that, despite all the warnings and all the concerns, you probably don't need umbrella coverage, think about some of the consequences of not getting it. For a relatively small extra investment, is it really wise to simply write off the concern and pretend that you don't have to worry about it?

Here' some food for thought. No matter how careful or good you are, and no matter how prepared you think you are to avoid mistakes and causing harm to others, there are two things you have to worry about with respect to umbrella insurance and professional liability.

The first is that you're human. You're not superman -- or superwoman. As a business owner or professional, you are going to make mistakes. You don't know when or how, but being human means that they mistake can occur one way or another. And they can certainly happen in the normal conduct of your business. In fact, all that has to happen is for there to be a perception of a mistake made by someone you do business with, that causes damages, that you can still end up paying for in terms of legal fees and awarded damages.

The second thing to worry about if you don't have umbrella insurance or professional liability coverage is human nature, especially in today's environment of the frivolous lawsuit. You almost can't imagine the ways in which your business might touch others, and the ways in which someone out there may claim that the harm they suffered was as a result of something you did. You cannot possibly protect yourself from such a scenario without things like professional liability which may include added umbrella insurance. With these under your belt, you help protect yourself from the nightmare lawsuit you never dreamed of ever having to fight.

Online Shopping - Four Advantages of Doing Your Shopping Online

Thursday, April 25, 2013

I'm a highly dedicated shopper, often searching high and low for the perfect pair of shoes, the just-right gift for a family member, or any number of other products. But you won't catch me schlepping bags from store to store or fighting the crowds at the mall. I do almost all of my shopping online - and so should you. Why? Here are four great reasons to start shopping online.

Time is Money

I have a full-time career and a family to raise. My parents and in-laws all live out of town. So it's rarely practical for me to take several hours to go shopping for ANYTHING. And usually if I do, I have several children tagging along. Have you ever tried to accomplish something with young children in tow? Multiply the time you'd normally spend on that task by three, and you're coming close.

But shopping online is something I can fit into my schedule. It takes much less time to go from website to website, than it does to go from store to store, in search of the product that fulfills my shopping quest. I can wait until my kids are in bed before shopping, and I can do it while watching TV or while something cooks in the oven.

Plus, search engines and product comparison tools are not something you'll find at the mall. I start my shopping in the search engines, particularly those that let you limit results to products. Then after finding the right product, I recommend using a comparison shopping engine to find the best price from a well-rated merchant. I can usually do all of this in much less time than it would take me to shop for the item locally, even without any in-person price comparisons.

Gas isn't Eco-Friendly

Everyone is talking about "going green" these days. After years of smog, global warming, carcinogens, and other icky things, we're finally starting to pay attention to Mother Earth. But unless you live within walking or biking distance of a shopping center, you have to figure in the impact of the drive.

Gas is expensive, and fuel emissions are bad for the environment. That's what I call a lose-lose scenario! Shopping online doesn't use any gas. It doesn't produce the same level of pollutants that driving does, and you don't ever need to refuel your computer.

I live fifteen minutes away from the nearest mall by car, and the nearest city with any extensive shopping is an hour away. When I factor in the time wasted and the money spent on fuel, the average cost of my purchases increases to an unreasonable amount. Compare your online and offline purchases, factoring in costs like gas and parking, and see if you might save money by shopping online.

I'm No Deliveryman

The ability to ship products directly to my house is wonderful. As long as I'm not in a big hurry to buy the item in question, I can usually arrange for shipping that costs less than I'd spend in time and gas by buying the same item in person.

However, this factor really starts to pay off around the holidays. With family spread across the country, and lines at the post office winding out through the front door, shipping packages myself makes me want to chew off my fingernails and pull out my hair! But it's easy, with online shopping, to have the package shipped directly to my recipient. And since many stores offer gift wrapping and messaging, that hassle is taken care of as well. I feel almost pampered when I can "hire" someone to do this work for me!

There's Not Enough Stuff Locally

The biggest advantage I've found to shopping online, however, is the selection. The declining economy has hit my local area hard, and businesses are closing their doors all over town. It's becoming harder and harder to find the item I'm looking for. For example, when my daughter started soccer this spring, we needed to buy cleats - but there wasn't a single store in the county that carried youth soccer cleats! But guess what each store suggested? "We don't have them in the store, but you can buy them on our website."

It also doesn't help that I have a small habit of shopping designer labels. Those are not easy to find in a smallish town like mine. But fashion and apparel run rampant on the web. From invitation-online websites to massive apparel superstores, I can find just about anything I want, usually in stock and in my size.

If you haven't braved the Internet shopping scene yet, I highly recommend it. Even die-hard social shoppers often need something with little hassle. It might not replace a day with your girlfriends at the mall, but it definitely has benefits.

All Animals Are Equal...



For once, Benjamin consented to break his rule, and he read out to her what was written on the wall. There was nothing there except a single commandment. It read:All animals are equal. But some animals are more equal than others.
George Orwell – Animal Farm

Congress never fails to disappoint. Whether you are discussing financial disclosure and insider trading or just the day to day struggles with the Sequester, our elected officials from both parties seem find the retention of their jobs as their number one priority. And unless you are a total whack job running for the Senate from Connecticut, a major determinant of election success is the campaign war chest. Money gets you to Washington and once you’re there, you sure want to stay.

Like the previously mentioned insider trading issue, Congress has crafted laws that appear to apply to everyone but them. And that brings us to the Patient Protection and Affordable Care Act (PPACA). There was a poison pill buried deep within the PPACA by Charles Grassley (R-IA). While negotiating with the Democrats in the summer of 2009, Grassley pushed for Congress and its staffers to be required to participate in the future health care process. If the PPACA was good enough for the average American citizen, it was good enough for Congress.

Theory meet reality.

Today’s POLITICO reveals the backroom negotiations that have been going on for months to resolve this problem. Congress and their staffers are currently covered by the federal government, their employer. Approximately 75% of the cost of their coverage is paid by the government. The insurance is good. The 75 / 25 split is fair. But an exchange doesn’t work that way.

The health care exchanges will be offering plans that conform to the new plan designs created by Health and Human Services. As this blog has detailed in the past, the new metal plans (platinum, gold, silver, and bronze) will have a lot of benefits that you may, or may not, want. These new benefits and the elimination of medical underwriting will have a significant impact on premiums. The new taxes on health insurance will also add to the escalating prices of individual and small group health insurance.

The first health care exchanges will be designed to sell individual policies and small group health insurance. An employee of the federal government, covered by group health insurance, wouldn’t be shopping at an exchange unless he/she was losing the group policy. BINGO! To comply with the law and reality, Congress and the staffers have to buy their own policies, at their own expense. They may qualify for a tax subsidy if any of them earn less than 400% of the federal poverty rate. But they lose the 75% now paid by their employer.

Senator Richard Burr (R-N.C) is quoted in the POLITICO article as noting the impact. “…put yourself in the position of a lot of entry-level staff people who make $25,000 a year, and all of a sudden, they have a $7,000 a year health care tab? That would be devastating.”

Congress fears a brain drain as young, under-paid employees, untainted by the cynicism years in Washington breeds, leave the Capital for a more affordable start to their careers. And who in Congress wants to pay for his/her own coverage? So Democrats and Republicans are working behind the scenes to exempt themselves and their staffs from the effects of the PPACA.

There is no one working to exempt you.

Businesses, especially those with fewer than 100 employees, are assessing their need to offer group health insurance to their employees. Many will follow the government’s lead and eliminate coverage. Dropping coverage eliminates compliance questions, paperwork and expense. The employees will be left to fend for themselves.

In other words, the PPACA will perform as designed. Less and less Americans will rely on their employers for health insurance benefits. And as we are herded into the exchanges with their ever escalating prices, a great hue and cry will rise from our fellow citizens for rate relief. The transition to a Single Payer System will then appear to be the only solution. Damn near welcome.

Except for those who have been exempted. There is really only one rule: All animals are equal. But some animals are more equal than others.  

DAVE  
www.bcandb.com  

***

Canadian Debt Solutions You Could Try Out To Improve Your Situation

Wednesday, April 24, 2013
In spite being a prosperous country, Canada is also plagued with a number of economic problems stemming from external and internal factors. Although its citizens have yet to experience the tragedy that fell Americans a few years ago, there are impending signs of instability currently observed in many sectors of society. Aside from the decrease in the number of full time employment, the recent debt ratio of Canadians has been set at 164.6% in 2012, which is the highest it’s ever been. With this, it comes as no surprise that more and more people are now curious about Canadian debt solutions to acquire, in case they are pushed to their limit.

Well, most financial institutions will offer the same set of suggestions when it comes to settling loans. But some of them will be more focused on practicing only one at a time to improve their effectiveness. In light of this, it is vital that you know what each option is characteristically so you can determine what you should and should not consider. Although there is generally no bad way to go about resolving debt, there are times when you won’t be qualified for a certain method. So you should endeavor to know the details before you jump into any prospect so as to avoid wasting your time. Among the most common debt relief options firms provide is that of debt settlement. And what it actually entails is a negotiation to decrease the actual amount of debt a person has to pay in order to resolve it. It is mediated by a third party (usually from the debt relief company) so that those with interests can agree on a midpoint that favors both of their situations.

Another one of the popular Canadian debt solutions made available through local agencies is that of debt management. And here, they will again mediate the payment of the loans by approaching creditors and negotiating deadlines and then helping people out in terms of figuring out which assets they could use to pay off certain obligations and how they could earn extra income to meet monthly disbursements. Sometimes, they go as far as paying off the charges and then collecting payment with a new interest rate as well as due date established. This is somewhat like debt consolidation, which is another debt relief approach financial companies follow through. But these are usually observed for those people who have numerous loans from different resources that observe a variety of interest rates and are using the same collateral.

Of course, some debts cannot be resolved in such methods because of the lack of income-generating opportunities. And so there are companies who specialize in Canadian debt solutions that provide bankruptcy services. There are different types of bankruptcy cases that could be filed in behalf of a person. And they all are tailored maid to fit a specific circumstance. So folks can’t just file for a Chapter 7 or 11 without knowing the basics. False claims can be grounds for imprisonment. So you have to work with experts on the manner to get any payment demands from loans you’ve made dismissed.

The Benefits of Shopping Online

Monday, April 22, 2013

Online shopping is a type of electronic commerce used for business to business and business to consumer transactions. is a great resource for finding products that are being liquidated. It is definitely the process consumers go through to purchase products or services over the internet. According to experts, it is arguably the most predictable way to shop because shopping online is becoming more and more popular and website that wants to gain more shoppers will use four major principles of efficiency, calculability, predictability and control. Whether or not online shopping is secure is one question which gets asked over and over again by those who are considering making a purchase online.

Online

Online shopping has become extremely routine and predictable, which is one of its great appeals to the consumer. Online shoppers commonly use credit card to make payments, however some systems enable users to create accounts and pay by alternative means such as debit card and Various types of electronic payment processor. These stores are usually available 24 hours a day and many consumers have internet access both at work and at home. Online stores must describe products for sale with text, photos and multimedia files, whereas in a physical retail store, the actual product and the manufacturers packaging will be available for direct inspection. It widened the target audience to men and women of the middle class. It provides more freedom and control than shopping in a store.

Shopping

Shopping has been a way of identifying oneself in today's culture by what we purchase and how we use our purchases. Shopping has evolved from single stores to large malls with different services such as offering delivery, attentive service and store credit and accepting return. These are important tools in Search engine marketing and make it simple to compare pricing and purchase with confidence. Online shopping has always been a middle to high class commodity since its first arrival on the internet. In recent years, shopping online has become popular, however, it still caters to the middle and upper class.

Information

Some stores allow consumers to sign up for a permanent online account so that some or all of this information only needs to be entered once. For customers it is not only because of the high level of convenience but also because of the broader selection, competitive pricing and greater access to information. Designers of online shops should consider the effects of information load. The notion of information load is directly related to concerns about whether consumers can be given too much information in virtual shopping environments.

Compared with conventional retail shopping, computer shopping enriches the information environment of virtual shopping by providing additional product information, such as comparative products and services, as well as various alternatives and attributes of each alternative. Some online stores provide or link to supplemental product information, such as instructions, safety procedures, demonstrations or manufacturer specifications. Some provide background information, advice or how to guides designed to help consumers decide which product to buy.

However, one third of people that shop online use a search engine to find what they are looking for and about one fourth of people find websites by word of mouth. Shopping provides more freedom and control than shopping in a store. A weakness of online shopping is that, even if a purchase can be made 24 hours a day, the customer must often be at home during normal business hours to accept the delivery. One of the hardest areas to deal with in online shopping is the delivery of the products. Shopping is relatively a new concept and most people though it will not stand the test of time but now we have evidence that they are doing pretty well.

Professional Association Disability Insurance Programs and the Residual Disability Rider

Sunday, April 21, 2013

Many professionals that purchase their own Individual Disability Insurance policies will at some point look to their Professional Association for guidance, support and available discount programs. Associations like the American Medical Association, American Bar Association, American Veterinary Medical Association, American Institute of CPAs and American Dental Association offer Disability insurance programs at a discounted premium. Consumers should be aware however that there are a few concerns to consider when it comes to Association Disability insurance. In many cases, these policies are inferior to those offered directly from insurance carriers.

The first concern is regarding the renewability provision included in Association programs vs. that which is available on an individual basis. Typically, Association programs are Guaranteed renewable but not Noncancellable, which means that the premiums are not technically guaranteed to remain level for the duration of the policy life. Although this is not the biggest concern since many of these associations have never increased their premiums in the past, having a guarantee creates a different and greater level of comfort.

The second concern is in regard to the definition of total disability. Most Association programs have limitations on the definition of disability they offer. Although some of them may have their own version of the True Own Occupation definition of disability, it is likely to be less favorable than that which is offered with individual contracts. Regardless of what occupation a person has, having Own-Occupation income protection is always better than not having it. Consumers should be cautious of sales professionals recommending that these more comprehensive definitions are not important. In reality no one knows which definition of disability is the necessary one until a debilitating injury or illness has already occurred. When it comes to protecting a person's income, family, future and livelihood, the more cautious route can never be a bad thing.

Perhaps the most important factor that professionals should be aware of with Association Disability insurance is the structure of the Residual Disability rider that is offered. Residual Disability benefits are meant to cover partial disability claims where a professional has incurred a 20% or greater loss of income due to an illness or injury. Considering that the vast majority of Long-Term Disability claims are due to illness and not injury, the structure of a policy's residual benefits can be very important.

Most illnesses do not just appear over night, instead they progressively worsen over time.

Strangely enough though, many Association Disability programs offer residual disability benefits which require the insured to experience a period of total Disability prior to benefits being payable. Unlike Association Disability policies, individual Disability policies do not require a person to experience a total disability before paying residual benefits. Although every claim can be different, the residual benefit design used by Association Disability programs could deprive a claimant of benefits that would otherwise be paid with an individual policy purchased directly from an insurance carrier.

Having Disability insurance is an important part of any wise financial plan, but is not something that should be rushed into. When purchasing Disability insurance, you should work with an expert in the field who can assist you in understanding the various options available to you. Do not purchase your income protection solely based on pricing as there are many fine policies that can be purchased at an affordable cost.

How To Shop Online Safely

Thursday, April 18, 2013

There are multiple advantages to online shopping: no worrying about traffic, parking, lugging heavy packages, shopping hours...the list is long and attractive.

And statistics prove there are more people shopping online than ever, and the numbers will be growing indefinitely.

Are you still holding out, convinced you may become a victim of fraud, or worse, identity theft? Here are some reassuring facts, and information you can use to protect yourself.

1. You are more likely to be safer shopping online. When you are placing your order, look for the URL to begin with "https" instead of "http". This means the site has SSL, or secure-socket-layering. Remember, there are no helpful elves processing your order. It is done automatically by computers, not by a human.

Another thing to look for: Is the URL a readable website name? If you see only numbers after the "http", with absolutely no text anywhere, definitely beware.

2. Look for a phone number that is actually answered by a human being. Of course be reasonable; a mom-and-pop operation will not be available around the clock, but you should be able to reach someone during normal business hours, or get a call returned.

3. A reputable site also does business with other businesses, meaning they have a Hacker Safe rated site, and have payment alternatives such as PayPal.

4. Read the privacy policy, or call to verify it.

5. If you are not using a third party escrow service like PayPal, use a credit card for payment; your liability is protected by your bank.

6. Do not give out credit card information by email or instant messaging. Neither is encrypted (scrambled) for safety.

7. If you are asked for extra information during checkout, such as a social security number or date of birth, beware. Your bank has the information needed; a merchant would not need to know this.

8. Save your receipts, and check your bank statements.

If you follow these simple tips, rest assured your online shopping experience will be a good one. The truth is, if you are doing online business with a reputable company, you are safer shopping online than in face-to-face transactions.

On a secure site, there is no 'middle man' between you and the bank, such as a clerk or a waiter.

I hope you have a safe and wonderful Holiday season.

How Transportation Bonds Help Cover Your Valuables

Wednesday, April 17, 2013
Most of the time, if you have ever run into the term "transportation bond" it is something you are asked to vote for or against and it has to do with your local or state government wanting to fund some sort of transportation project such as a road or a rail line. There is, nonetheless, a different meaning. A bond may also be a guarantee of something, a specific insurance policy written to protect you from some type of wrong-doing by a company you have retained. It could in fact also cover some sort of breakdown on your part such as withholding payment or not paying punctually. But, in cases like this, this type of surety bond is designed for your protection.

From time to time, you might have need of having something transported by a professional company. These situations could be if you are moving to a different home, relocating out of state or even out of the country where you are insuring all your possessions in the event damage or loss takes place. This may be one situation where you would certainly want a transportation bond. This would give you some security in knowing that if the truck catches fire and everything burns up, if your possessions were to get stolen while enroute, or if the driver just never shows up with your possessions, you will be recompensed for the loss. It might not even be that serious. You would be paid out for example, if the movers damage a mirror or breaks your kitchen table. Of course, the moving company would very typically pay for these sorts of problems anyway. Even so, if the moving company is unable to act or it turns out that they just downright stole your things with no intention to deliver them, then in that case, this is how a bond would come in handy because the bond company would pay your claim and then try to get reimbursed by the moving company.

If you are having a car transported, this is another instance you might be glad to have a transportation bond. These situations pertain to relocating to another state and wanting the car expertly transported or purchasing an expensive car in Germany and you live in Tennessee. In this case, you would most likely want to get some sort of bond in case for whatever reason the company you contracted with failed to deliver. With a respected company this is not usually an issue as they normally pay for the damage or loss but you can never be too sure. Since unfortunately in today's world there are a lot of businesses that are extremely shady, it will ultimately be beneficial to you to insure your belongings in these situations so your not worrying whether or not you would be compensated should damage or theft occur. With a transportation surety bond, nevertheless, the bond company would likely investigate the situation and pay what is owed you. Not like any insurance you commonly pay for, bonds similar to this are totally different. This is something most professional businesses already have since it protects them, too. However, if you are looking into employing a company to do some sort of major transportation for you, then making sure that such a transportation surety bond is paid for and active would be a very important part of investigating them.

These kinds of transportation surety bonds nonetheless, only cover the goods you are having shipped to make sure you are protected up to a specific amount should the company refuse to pay in times of loss, damages or theft.

Things You Need To Know Before Acquiring Metairie Payroll Services

Tuesday, April 16, 2013
Like any other commodity, outsourced services have their upsides and downsides, depending on how well the consumer qualified his choices at the beginning. Bad decision-making often leads to grave consequences. So you have to make sure you do not fall for the common mistakes people make when it comes to acquiring Metairie payroll services. One of these is not knowing what they are buying in the first place. Yes, the concept is a giveaway. But unknown to a lot of folks, there are actually many layers to payroll servicing that needs to be acknowledge.

One of its intricacies is the fact that it has three categories. The first category is the PSPs or payroll service providers. And they generally just prepare the payroll tax returns using the employer’s Employer Identification Number. They do all the mathematical work but it is the client that signs and files the document. The second category is that of RAs or reporting agents. And these entities not only prepare payroll tax returns but also carry out the signing and the filing, under the name of the employer. The third category is that of PEOs or professional employer organizations. And what they do is actually act like the employer of a group of professionals in behalf of another company, prepare the payroll tax return with their own EIN, sign it and then file it. This information alone sheds light to a whole new side of the commodity that is often disregarded. Can you imagine how confusing it would be to have certain expectations and end up hiring the wrong kind of Metairie payroll services resource?

To add to the aforementioned, different payroll service companies employ different methods and tools to come up with the figures. Some of the work with QuickBooks; others apply Zero, GnuCash, Peachtree, inDinero, or FrontAccounting. The results and capacity usually vary. But the variety impacts your company in the sense that you might find yourself confused about how the reports are laid out for your review. And if there is some integration between in-house programs to that of the outsourcers, accounting may have a complicated time deciphering data given the unfamiliar software. This is why it is so important that you learn a lot about the skills and specialties of the payroll service professionals you contact and on a related note, know more about their unique attributes and functions.

As a final eye-opening tidbit about payroll services, you should know that not every one of the prospects you come across actually help you save on costs. There are payroll service companies that charge way more than what you would likely spend hiring your own staff and doing payroll accounts internally. With this, you need to extensively compare and contrast the options you are presented so you do not make the rookie error of assuming that just because outsourcing is the latest trend, it is applicable for your business. It really doesn’t make sense for you to acquire Metairie payroll services when you’re a home-based enterprise with a little over ten employee.

The Benefits of Shopping Online

Sunday, April 14, 2013

In today's ever busy lifestyle that we all seem to lead we are now using the internet more and more for our shopping. Look at what we can do today, from ordering our groceries online to buying goods through auction sites etc. However, if we look at the reasons why we buy online today it makes for interesting reading. Here are some reasons why we shop online:

Convenience

The idea of being able to shop from the comfort of our home and buy literally anything and have it delivered directly to us is very attractive. It is much more convenient than going out and having to stand in huge queues at the high street store. Then there is the added advantage of being able to take time to browse at all the different products available. One group of people who would certainly benefit from online shopping are those that work odd hours. There is no need to worry if the shop is closed; with online shopping they are open 24 hours a days, 365 days a year.

Prices

Most retailers who have the online shopping option are offering discounts on goods bought over the internet. These range from promotional offers to coupons, thus making it even more lucrative for the potential online shopper. In many instances it is actually cheaper to purchase the product online and have it delivered. Then there is the bonus of being able to compare the prices from one retailer to the other, all at the simple click of a button.

Selection

The idea of having a good selection to choose from is of prime importance. Today there would seem to be no difference in selection between shopping in the high street or online. In fact there are more products to choose from online than there is from the high street store. When there are new releases of products, these normally appear online before they are in the high street stores. From choosing televisions or just grocery items or maybe a holiday, all these and more are available to the potential buyer.

Top Insurance Companies in Canada Ranked By Total Assets

Saturday, April 13, 2013
The Following are top 10  best insurance companies in Canada ranked by total assets. Manulife Financial is the largest insurance
company in Canada and one of the largest life insurers in the world.




MANULIFE FINANCIAL CORPORATION



is a Canadian insurance company and financial services provider, with a
head office in Toronto, Canada. The company operates in Canada and Asia
as "Manulife

Do You Have The Knowledge To Buy The Right Life Insurance?

We'll start with the all-time dilemma; the question of whether you should purchase a Term Life Insurance or another type of Life Insurance that accumulates cash value. One way or another, everybody is aware of the main reason why this question constantly surfaces; monthly premiums! Term Insurance happens to be the least expensive, and most of the time people tend to purchase it just because of this reason.

Additionally, people get different answers from different insurance professionals; some advocate Buy-Term and Invest-The-Difference and some recommend Whole Life, Universal Life, Variable Life, or maybe combination of the two or more of them. In the end, choosing an insurance policy becomes a dilemma between the premiums and the suggestions that you hear from various insurance professionals.

So what is the answer to this question and how do you select the right insurance policy for yourself?

In reality, there is no cookie-cutter answer for purchasing either Term, Whole Life, or any other one for that matter. Everybody has different needs and one size hardly fits all. So in order to accommodate different situations and needs, Life Insurance has evolved into many different types. As a result, the right choice depends on your answers to the following questions:

o What is the very purpose of your life insurance?
o Why are you really buying it?

You should keep in mind that Life Insurance is indeed one of the most versatile products that you can purchase in the market. It can be used for many purposes such as;

o Retirement Supplement
o Pay off debt
o Estate Planning
o Pay off taxes
o Supplement for a college education
o Income replacement for your spouse
o And the list continues depending on your personal needs

Once you determine the purpose of your needs, you now have to identify the type of life insurance you should be purchasing. This actually creates another dilemma; now you need to have the proper knowledge of every type of policy so you can decide which one or maybe the combination of the ones to purchase. On this note, let's touch base with the main types of Life Insurance Policies in the market:

o Term Life
o Whole Life
o Universal Life
o Variable Life

It should be pointed out that these are only the main types of life insurance policies where there are also many others as well as the variations of these policies available in the market. Nevertheless, in order to decide which one of these policies is more suitable for your personal needs requires broad knowledge and here are just a few important topics that you need to be aware of; how these policies develop cash value, how dividends get distributed, the time period you have to pay into your policy, how premiums are calculated, any premium changes after a certain time period, is it participating or non-participating, etc.

Of course as a third step, you also have to calculate the amount of life insurance you need as well. This indeed is separate topic and the methods of calculations can be put in a nut shell as follows:

o Multiples of Income Approach
o Financial Needs Analysis Method
o Capital Needs Analysis Approach
o Some other methods that various insurance companies developed themselves

In summary, following is the list of the key steps of purchasing the right life insurance for your personal needs;

o Deciding why you are buying the policy. In other words, what's the purpose of your life policy?
o Knowing the type of policy that suits the best for your personal situation. Is it Term, Whole Life, Variable Life, Universal Life, or combination of any of these policies?
o Calculating the amount of your policy based on your purpose

One way or another, getting a life insurance is not just buying the least expensive policy, it is indeed a series of decisions and calculations that requires considerable amount of knowledge. The process can be quite tedious, depending on your situation, and it is best to consult an insurance professional to have it done right.

He Went That-a-Way

Thursday, April 11, 2013


Today’s news gave me the opportunity to view two competing views of reality. The headline at the top of Page B1 of today’s Plain Dealer was “Hospitals keep leaning on lawmakers over balking at Medicaid expansion”. It took two reporters and over 30 paragraphs to clearly explain why hospitals around the state were pushing to have the Republicans in the Ohio House reconsider their decision to kill Ohio’s participation in the program to deliver health care to the poor. Dr. David Bronson of the Cleveland Clinic’s executive board and Robin Bachman, assistant vice president for government affairs and public policy at Sisters of Charity the nonprofit Catholic system that operates St. Vincent Charity Medical Center, seemed to completely understand how the Medicaid expansion would work and benefit their hospitals. The Speaker of the Ohio House, William G. Batchelder (R-Medina), wasn’t as clear. “I have never seen anything as confusing as this situation,” said Batchelder.

It was easy to understand Batchelder’s confusion. His governor, John Kasich, had crossed the big red line and agreed to expand Medicaid, a key part of the Patient Protection and Affordable Care Act (PPACA). Republicans are supposed to block Obamacare, not implement it. Worse, the Hospital Association and the Ohio Chamber of Commerce are also OK with the expansion.

There was one guy, two pages away on Page A7, who was not confused, who is never hampered by either indecision or second thoughts, and who was totally prepared to stay the course. Kevin O’Brien, the Plain Dealer’s representative from the Right and resident scold, KNOWS the answer. Unconcerned about budgets or deficits during the first six years of the Bush presidency, Mr. O’Brien now appears to spend a great deal of his waking hours tinkering with his own, personal, federal debt register. Accepting the expansion of Medicaid “would do nothing more than move some of Ohio’s hospitals a few places farther back in the line of institutions and practitioners destined to starve to death under the federal bureaucratic yoke if Obamacare remains the law of the land and produces the single-payer, government-run health care by utterly destroying the insurance market, as it is designed to do.”
Even when we agree, we disagree.

This blog has contended for three years that we are marching towards a single-payer type system. I am not a fan. Never have been. But, that doesn’t mean that we will have bodies on the streets, abandoned hospitals, and shuttered clinics. I’m not even positive that any BMW dealerships will be forced to close.

We can’t have a conversation if we don’t lower the volume.

The online Crain’s Cleveland Business released an article this afternoon about MetroHealth’s position in this fight. We are paying for the care Metro delivers. We pay in higher insurance rates and higher taxes. In an effort to take a stand against the President, Speaker Batchelder may have, accidently, destroyed a program that was funded entirely by Cuyahoga County and the federal government. The article explained why Metro is so concerned. “Expanding Medicaid to cover more of the county’s poorest residents –who typically are the most expensive to treat because they often use the emergency room for routine care or have neglected medical needs – is expected to help buoy MetroHealth’s finances.”

So will Medicaid be expanded in Ohio? I think so. It will be a bit of a slog and the horse-trading may be unpleasant, but I think it will get done. And once again we are all reminded that the national health care debate is not about health care. Never was.

The issue is money. Who is going to pay our medical providers? And once that is settled, we might tackle How Much?   DAVE   www.bcandb.com   **

Trading Zone - Your Ultimate Guide

Trading markets are truly profitable businesses. They provide great means to earning tons of cash if done in the right way. However, profitable as they may seem, they are also likely to change suddenly, frequently, or unexpectedly. The deals change almost every minute and the outcomes become difficult to predict. How then could others cope up with these unpredictable changes and earn a large sum of money? What could be the best ways to maximize profit in these trading markets? How can a novice trader effectively put his or her business without risks of losing grip of the possible huge amount of turnovers? What could be the safest options for doing this trading business?

Indeed, lots of people must have been wondering how come these trading markets turn into profitable opportunities to successful traders despite its unpredictability. They have checked out various trading sites but the principles that these trading spots suggest may seem difficult to achieve. It should not be a wonder after all. These zones simply do not provide complete information. Not all options are given and not all practices and methodologies are being provided. You would still have to use your wit to survive the trading markets.

It is a good thing that trading zone offers a wide array of resources from A to Z - from putting up your trading business to keeping a profitable account at your own convenience. Trading zone is your one-stop connection in equipping you with knowledge on various trading markets like on online trading, option trading, stock trading, stock exchange trading, FOREX trading, currency trading and futures trading. It presents details on advanced trading methods and formats, best trading practices and technical facts on how to deal with the different trading markets. Trading zone equips you with the relevant information and current news regarding world currencies and foreign markets. Updates on the latest developments regarding the trading business are also provided to ensure profitability of the business.

Trading markets are technically reliant. They require technical know-hows to guarantee success. In view of this, trading zone offers you steadfast assistance to bring changes into your account with just one click. It provides you handy procedures to ensure that all technical requirements would all be just as easy as a pie. You no longer need to worry about problematic website manipulation for clear instructions are readily available. Formal lessons about the management of your account would no longer be necessary for assistance is always within reach.

Trading zone is the ultimate aid for future investors like you. It would definitely help you understand the market as if you are just learning the alphabet. The assistance it gives its future investors is all based on the best practices of successful people in different trading markets. It is your ultimate resource for all your trading needs. Trading zone truly offer brilliantly collected reference guides and resources for people who want great financial returns. It is your trading zone - the very zone where you want to be.

Best Insurance Companies in UK

Wednesday, April 10, 2013


The Following are Top 10 Best insurance companies in the UK, For further information about insurance, read below!


LEGAL & GENERAL





We are a leading financial services company. This means helping you,
and millions of others, plan and build a secure financial future.
Practice makes perfect, and for over 175 years
we made sure that we are always here for our customers, providing our
best

Optimizing PLI For Design Professionals

Monday, April 8, 2013

PLI stands for professional liability insurance. Professional liability insurance for engineers, architects and surveyors is often referred to as PLI for designers. PLI premiums are determined through a process involving the assessment of several factors over which designers (professional service type businesses) have some control. For example, design professionals can improve premiums by exploring the factors insurance carriers use in their quotation creation process for professional liability clients. Consequently the application process should be optimized for achieving the best possible outcome for the design firm or independent professional.

Design companies must make their business attractive to insurance carriers to obtain the best possible terms and pricing. The first step in this strategy is to identify the different risk factors and then present your design firm in the most positive way. While numerous factors determine the risk that a design firm poses to an insurance company, for the purpose of this discussion we will focus on the most critical areas. They include:

1. The location of the firm
2. The locations of design firm projects
3. Project types (traditional commercial projects such as offices, warehouse and retail are often more attractive to carriers than swimming pools and amusement parks).
4. Loss History

Project with high perceived risks are much less attractive to insurance carriers than projects with a nominal risk profile. Projects with emotional attachments or those which have a high loss exposure can be detrimental to design firm PLI. Though working within the genres is necessary, it is prudent to understand the exposures and manage the risk as much as possible.

Loss history is reviewed closely by insurance carriers. Design projects can results in significant claims. There also is the perception and statistical likelihood that past claims are a fair indicator of potential future claims activity. As a result, a design firm with some significant claims in their past generally pays a much higher rate than a similar firm with nominal past claims. Carriers can look as far back as ten years back when evaluating a larger firm's loss history.

If a firm has a history of claims it still possible to cast the exposure in a more positive light utilizing the appropriate approach and documentation. When carriers review the loss history of a design firm, the approach and documentation that the design firm utilizes will prove critical in the resulting PLI premiums. Ultimately, design firms along with their PLI broker must negotiate with insurance carriers to favorably characterize their firm and provide the mitigating information necessary to encourage the most competitive premium quotes.

Information Marketing - Crank Out Your Own Hot-Selling Report In Just Hours!

Creating a small report and selling it online is one proven way to start making money on the Internet. A small report is easy to create and can often be done in just hours!

So how do you create your own small report?

Here's how it's done!

1. Find A Topic To Write About

Preferably you'd want to choose a niche topic rather than a general topic as a niche topic does get you more targeted buyers. People are generally looking for very specific information online. Also, you'll have lesser competition by covering a niche topic!

2. Do Your Research

Do some online research on the topic. Use online encyclopedias, article directories, and forums to do your research. Even better, venture offline and get a book to do some thorough research! If you are an already an expert on the topic, you can skip this part.

3. Flesh Out An Outline

Create an outline of your product. I usually do this by creating my contents page first! For each chapter, I will highlight 3 main topics I want to discuss.

4. Start Writing

Now it's time to start actually writing your small report! This might be a little difficult at first, but once you get the first chapter out of the way, everything gets easier from then on. Just simply write as if you were talking a friend and your writing will flow much easier and smoother. Your writing will also be more interesting to read! A secret technique is to get a software like Dragon Naturally and speak using it. It will transcribe your voice into text!

Advantage Of Preserving Natural Product – The Gold

Saturday, April 6, 2013
Natural products are present on earth in a very limited quantity and metals like silver, gold or platinum are some among them. The immense beauty of gold and its value has increased its demand. Due to all these factors gold has become a good option to invest and earn extra money. There are different ways available to invest in gold. You can make choice according to your need and demand. Gold and other metals are available in variant forms like gold coin, gold jewelry and gold bars. In NYC there are watch selling stores from where you can buy these precious items. Investing your money in any of these forms promise good return, also this is a well-known method to get cash for gold.

Investment choice in gold and security measures:

Various types of gold are available in market. Some of them are white gold, pink or red gold, metal alloys. You can invest your money according to your pocket earnings. Gold is measured in terms of karat and the best form of gold is considered as 24 karat. 22k, 18k, 14k, 10k gold is also available in market that has mixture of other elements. There are many ways to spend your money in gold; some of them are mutual funds, sensex, gold coins, gold scrap, gold accessories. Buying 24 karat gold from banks with different schemes are also in trend that ensures the highest purity of gold. From all these methods you can get good cash for gold.

But before buying or selling silver, gold, platinum or other metals it is important to know some best way and methods to get maximum benefits. Many pawn brokers are their in shops, it is important to know about the best one so that no pawn brokers get a chance to cheat. You should buy or sell from a registered shops that have a valid license. You must ensure that the price rate defined by the pawn broker and the current market rate should match because many shopkeepers try to take advantage of these things. Rate of gold is dependable on gold weight and on its colour and karat value. Like other products gold have hallmark that shows the originality of product. Certificate for the gold or metal purchased are also given by the shopkeeper for future record.

Preservation of these metals:

Preserving these natural products is an important issue. In New York, Canada and in London there are number of actives agencies that work for silver recycling and gold refining. It enhances the quality of gold and gives a better option to mold these metals in new design that increase the market value automatically. Today people has become more trendy and choosy. They do not prefer that heavy and old fashioned jewelries as they hardly seek attention and so they prefer to invest through gold and buy other equivalent metals like platinum, gold plated silver and others. This reason has made this valuable metal quite popular and a better option to get some cash for gold.

Best Homeowners Insurance Company Review (2013)

Friday, April 5, 2013


Home insurance, also commonly called hazard insurance or homeowner's insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of

Best Travel Insurance Review (2013)

Thursday, April 4, 2013
Travel insurance is an insurance that is intended to cover losses incurred while traveling, either within one's own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be

Starting Business Online - Don't Let Competitors Run Your Show

Don't let your business be dictated to by the perceived need to outdo others! Set out your stall so you achieve the standards that you believe your niche wants NOT what others may think they want. Your 'competitors' may not even be making a profit, so why let them tell you what to do? Experts are always talking about beating the competition or spying on them, but the Internet is so vast that even huge businesses have got lots of room - unless they're in very small niches.

Assuming you're in a big enough niche, you will almost have the world at your feet in terms of choice. If you're going to be selling affiliate products you'll have more than enough to be able to pick the best for your potential customers - and you OWE it to them (and yourself!) to select the best for them. If you just select the products that everyone else is promoting because you want to keep up with the competition, you'll only be one of a crowd of people whose business ideals are completely unknown to you!

So, if you think about it, you're not deciding your businesses policy, that anonymous crowd is! That's really no way to start in business - just following the crowd!

Even if you're very inexperienced in business in general, you must know a good bit about your niche, otherwise, why did you choose it in the first place? If you know what your niche is all about, it follows that your judgement should be at least as good as the next guy's and if you're going to be a real professional you should easily be a couple of streets ahead of most people! So why follow them?

I'm not saying that you can't learn by observing what others in your marketplace are doing. But if you regard them as competitors, you could be motivated by trying to beat them, rather than trying to learn from them. For example, you may really admire the way a particular site looks but feel that it's let down by ads for low class products that you wouldn't personally touch with a barge pole. So you could adapt their style to your business but silently wish them good luck with the tacky products - they're welcome to them!

This is only a brief look at the subject of competition - deliberately so, because I seriously question whether anyone who falls into that category is really worthy of your attention. By all means learn from others - even what NOT to do is well worth knowing but let competitors COMPETE, if that's what they want to do do, while you get on with making money!

Video Email Applications for Insurance Professionals

Wednesday, April 3, 2013

Insurance professionals, like many others in direct sales, rely on strong relationships to not only maintain, but build their client base. The best way to keep relationships strong is with regular communication, but relying on expensive mailings or lengthy phone conversations is neither cost nor time effective. Video email on the other hand, offers a time-saving and economical way to personally reach clients and prospects. Below are applications insurance professionals can employ in prospecting and customer retention strategies. The focus is not on 'hard' selling, but on educating, demonstrating and personally connecting with consumers through a variety of messages that build trust and familiarity.

Create video emails for the following applications:

1. Highlight policy types offered (life, home, car, health, motorcycle, RV, etc.)

2. Respond to internet inquiries with a video introduction

3. Give price quotes, (attach document if required) compare prices with competitors

4. Explain how to file a claim- demystify the process for wary consumers

5. Give safety tips- For the home: smoke detectors, security systems, fire extinguishers, stair safety (gates and railings), preventing falls, CPR and First Aid training, etc. For vehicles: seat belts, drinking and driving, cell phones and driving, system checks (brakes, tire pressure, lights, fluid levels), following speed limits, watch for pedestrians (especially children), etc.

6. Remind clients of annual coverage review

7. Life changes and how they can effect coverage needs- marriage, births, new job, college, major purchases, retirement and death in family all present reasons to update insurance coverage

8. FAQs on subjects such as: Rates & Payments, Choosing an Agent, Understanding Coverages and Changing a Policy

9. Explain coverage terms- Take the confusion out of insurance terms with clear explanations that help consumers make better coverage choices

10. Special rate offers- Spread the word on discounts and rate reductions

11. Tax savings- An added benefit of saving for retirement

12. Testimonials- Nothing better than customers raving about service and price

13. Event notification and/or invitation

14. Career achievements, community efforts- Mention degrees, certifications and licenses related to the insurance business that underscore experience. Highlight community involvement, affiliations and charitable projects.

15. Non-policy products and services offered: Investments such as Mutual Funds, Brokerage Accounts, IRA Accounts

16. News releases- Discuss breaking news, trends, company press releases, industry challenges, green efforts, etc.

17. Retirement preparedness- Give top 10 ways to save for retirement, include links to calculators and attach a brochure with additional information

19. Updates on insurance legislation- What local, state and national insurance reforms are on lawmakers dockets?

20. Holiday and special occasion touches- Reach out to clients throughout the year to show them they're appreciated!

Each video email application leads to ideas for more uses! By taking the initiative, insurance professionals can transform the way they communicate!

Top 10 Best Dental Insurance Company (2013)

Tuesday, April 2, 2013
What to Look for in Dental Insurance ?


There are some essential things you'll have in mind when shopping around for the right dental insurance provider; price and copayment options, local dentist availability, actual coverage, etc. Here are the criteria we used to compare and evaluate the best dental insurance options available online:


Features
It’s important to investigate the available

Top 10 Best Insurance Quote Service (2013)

Monday, April 1, 2013
What to Looking For Insurance Quote Website ?
There are many services from which to choose, but finding the one that best fits your needs can be a challenge. We picked the most reputable online insurance quotes services available and rated them based on the following criteria:


Types of Insurance Quotes
The most comprehensive services offer many coverage options and have access to thousands of

Do You Know How to Play Hard to Get? - Make Him Crazy For You!

Do you know all the rules when you play hard to get? Do you know how to make him crazy for you, so you don't have to go after him? Can you make him instantly want to go out with you? Some women may not know how to play hard to get, and without reading this article they might never know.

Learning how to gain a man's interest and keep him interested is something every woman needs to know. Most women can't be sure they've learned all they can know about it, or if they have all the important information they might need. A common thing many women talk about is that not being available for your guy at all times will make him want to be with you even more. However, most women really don't know all they need to, and that could hurt the relationships they have in the future.

Timing is everything in the game of playing hard to get. First you'll need to attract him to you by remaining aloof and disinterested. Then you need to give him a sign that you are in fact interested in him romantically, but try not to be to forward about doing so. You'll know when it starts to work when he begins paying more attention to you and shows interest in you. However, if he doesn't show more interest, you may be playing hard to get too hard, or he's just not interested.

After you exchange phone numbers you should wait for him to call you first. Some women ignore this rule, but if you really want to make sure he's into you, then you should not call him first. No matter how long he waits, you shouldn't call him, because if he didn't call after a week or two, then he probably won't call at all. Most guys will usually wait a short while before calling because they also don't want to seem desperate, but if he's really interested then he will call.

When he does finally call you, don't make him think you were waiting for his call, act pleasantly surprised that he called. If you're still interested in him then make a date for a later time. Do not make the date for that same night, you should tell him you have plans even if you don't. You are allowed to be vague and not tell him the plans. If he thinks you're going out with other people, he will want to do whatever it takes to win you over first if you give him a chance.

During the first date try to keep it light, almost businesslike, like you're sizing him up and trying to decide if you like him or not, even if you already do. Show him that you're intelligent, confident, and fun. Smart women are usually a turn-on for most guys that know how to value a person for their important character traits.

Don't talk about your past relationships, and don't ask about his. Don't talk about yourself too much, ask about him, and keep the conversation going by taking turns. Whatever you do, don't bring up the subject of marriage in any context on the first date. Some guys could think you're trying to make a hint and will run for the nearest exit.

Get his full attention by learning how to play hard to get, and you'll keep him wanting more.