November 2016

Is public adjusting a scam? Sometimes it can be, but sometimes it can be beneficial. Here are a few tips about public adjusters in general.

1. Make sure you have a valid first party claim (a claim against your company, and not another’s). A public adjuster represents policy holders against their own insurance company only. They are supposed to be highly trained and in most States, they are required to be licensed, although in some States acting as a public adjuster is illegal. The main benefit to having an adjuster is that they will do the legwork and negotiation for you, and they will make sure you obtain the maximum benefit your policy provides.

2. Evaluate the potential value of your claim. The cost of using this service varies, but if you have a good and ethical adjuster the cost should be worth the benefit. If you have a claim that is valued at less than $5000.00, they should be ethical enough to explain the potential loss you would incur by paying for adjusting services. Most adjusters charge around 10% of the claim value, so a $5000.00 claim would cost you approximately $500.00. If they can’t increase your claim value by at least his or her fee, then it is only logical to assume the service they provide is not worth the fee.

3. Read up on the law regarding public adjusters in your State. If a license is required, make sure you check to see if they are properly licensed.

4. Ask to see the adjuster or firm’s liability insurance policy or a copy of a liability bond. If they don’t have one or the other, run.

5. Use your head. If the adjuster or firm won’t answer your questions over the phone, or they have solicited you, then think again. A good public adjuster builds his or her business on word of mouth, and not by monitoring catastrophe’s and soliciting victims of property damage.

6. Public adjusters cannot represent anybody for an injury claim, and they are not supposed to refer you to an attorney.…

There are many reasons why ambition is important in your life. This is because there are many different times and reasons you need ambition. You need it in your career and in your family. You also need it for yourself. Fulfilling dreams that matter to you on a personal level is one of the greatest things a person can do with their life. This could mean you running a marathon simply to do it or writing a poem because you wanted to do it. Regardless of what it is you want to do for yourself, you need ambition to accomplish it.

The main reason why ambition is important is because most things are not just handed to you in life. You have to really want something and know why you want it. When you really want something out of your life, you will be more willing to work hard to accomplish it. It also helps to have ambition whenever things are not going so great in your life. Having ambition in times like these will lead you to get yourself out of them and find happiness and success. If you have no ambition in your life, you have no drive for anything. Nothing will seem important.

Another reason why ambition is important is because it is your own ambition. No one can take away your ambition, which is why no one can give you ambition. You might be inspired by others, but the ambition to accomplish something comes from within. This leads to you viewing your life differently. You will be grateful for what you have because you were able to recognize what was important in your life. You then can use ambition to continue the happiness. It also helps you realize that what you make out of your life is up to you. Having ambition will help you accomplish your goals and dreams.

When you have ambition in your life, more things will seem possible. You no longer will have to look at your dreams and hopes as mere dreams. This is why ambition is important. Instead of looking at something you want from a distance, ambition allows you the motivation and strength to make it a reality in your life. This could be ambition to lose weight, ambition to get a better job or even ambition to start your own business. It really can change your life when you have a little ambition.

David Nuka…

Personal selling is usually a beneficial vehicle for interacting with existing as well as prospective customers.

Characteristics of Personal Selling and Sales Management

Personal selling consists of the two-way flow of transmission involving a customer and vendor, frequently in a face-to-face experience, made to affect a person’s or maybe group’s purchase choice. Personal marketing also happens by phone, via video teleconferencing, as well as Web between customers and also sellers.

The responsibilities associated with controlling personal selling contain: (1) setting goals; (2) coordinating the workforce; (3) enrolling, choosing, coaching, and paying sales staff; and (4) analyzing the efficiency of individual employees.

Personal Selling in Marketing

Salespeople coordinate company interests with Client requirements to satisfy both parties within the exchange procedure. Salespeople symbolize what a corporation is or tries to be and are frequently the only personalized contact a client has with the organization. Personal selling could perform a dominant function in a firm’s marketing program if a firm employs a press marketing approach.

Creating Client Value through Sales staff: Relationship and Partnership Selling

Sales staff can generate Client value in numerous ways:

  • Determining innovative methods to Client difficulties.
  • Easing the Client buying procedure.
  • Following through right after the sale.

Relationship selling is a process of creating ties to clients structured on a salesperson’s attention and dedication to Client needs after a while. It:

  • Consists of common esteem and confidence among customers and vendors.
  • Works with developing long-term customers, not one-time sales.
  • Partnership selling (or enterprise selling) is the process where customers and vendors merge their knowledge and methods to generate personalized alternatives, dedicate to joint planning, and also share client, competitive, and company details for their common benefit, and finally the customer. It:
  • Depends on cross-functional business experts who apply their expertise and abilities to obtain better efficiency, reduced cost, and greater Client value.
  • Complements supplier and channel partnering.

Relationship and partnership selling characterize a further facet of Client relationship management (CRM).…

Sugar daddies are financially stable older men seeking a relationship with sexy young women. They know that women who get involved with them are primarily aimed at getting money and financial support from them in exchange for their company. If you are new to sugar daddy dating and it worries you that you might get a thrifty kind of man who will control you and give you a lot less than what you had imagined, here are some effective ways to make money from him without directly asking.

• Sugar daddies know exactly how to spend their money which is how they became rich. If you have a sugar daddy, expect that he will not give you money for just anything. Before he gives you the money, he will make sure that he is spending on the best that his money can afford. So on your first date and future dates; make sure that you look your best. Dress up and be sexy. Be hotter than you’ve ever been before. If he finds you amazing, he may give you more money without you having to ask for it in the future.

• Share your dreams and ambitions with him and seek advice on how to achieve them. You have to make it a financial dream or ambition of course. They love to show off to their sugar babies. They like giving support to their sugar babies especially when it comes to achieving dreams and ambitions. You have to thank him for it so he will want to keep doing it.

• Be the super caring wife even if you are not there yet. Some people think that to show care, you should cook for him, prepare his bath and clothes, do the shopping and groceries for him. And, of course, remember to complain how expensive the groceries and everything else are these days! He may increase your shopping budget for that or just hand you his gold credit card.

• Show him how thankful you are for every gift you receive from him. Show him how happy you are about it and give him a really warm, genuine hug. Your sugar daddy will definitely please you again with another expensive gift. They love making their sugar babies happy and they would do anything for that sincere and warm hug.

• Talk about your dream travels, your dream gadgets, your dream accessories. You do not need to ask; you just have to talk about how you have been dreaming about them and the next thing you know is that your he is making that dream come true.

• Talk about how you worry about your family’s financial stability and how hard it is to be the breadwinner of the family. Your sugar daddy will definitely be proud to help you through it.

If you are worried about seemingly asking too much of your sugar daddy, take note of this: You did not ask, you shared your thoughts and he did it. …

Not everyone believes in life insurance, since others think its main aim is to make money from you. Of course insurance is a business, but its business is taking care of you while you are here and your family after your death. Therefore, if you are not yet insured, here are some challenges you may face along the way.

  • High unforeseen costs

The whole purpose of life insurance is to assist you financially. In life, anything can happen to you the minute you step outside your front door without a warning. Most of us are aware that expenses always pop up when you do not have extra money. You can imagine not even being able to pay your hospital bills! Spare yourself the embarrassment of having to borrow money anytime something goes wrong.

  • Lack of peace of mind

Without life insurance, you always worry and live a life with limitations even for your dependents. Life insurance gives you one reason not to worry. Having dependents makes you always alert and guarded of what happens to them. Even after you die, it ensures that your loved ones are well taken care of financially; they continue with their education, maintain the current lifestyle and just cater for daily expenses.

  • Loss of assets

Majority of you have debts or loans that are secured by some of your assets. That is good for you, if you are insured. Otherwise, after your demise, there is a high possibility that the debt collectors will be visiting you residence soon. This means all the investment you had (assets) will be owned by these companies, until the outstanding balances are cleared.

  • Can be a burden to loved ones

Your loved ones deserve peace of mind as well. Without insurance, you risk burdening them financially. This could be hospital bills, mortgage bills, funeral expenses, school fees etc. which they them-selves had not planned for. Just when they think they are done with one sad event, they receive numerous phone calls from the banks, bills and even personal visits to talk about your debts for years. All this can be avoided by getting insured.

  • Lose investing your money

It will come a time when you will age and retire. Not everyone plans for his or her future and instead of choosing the best life insurance policies; you prefer having a savings account that you probably withdraw every now and then to cater for your luxurious life. The result is regrets of not investing while you had the chance. Moreover, financial institutions are likely to decline your loan application, because you do not have enough proof that you have a source of revenue.…

The snow cart business might sound great, but any smart person’s going to ask the same question whether it’s snow cones or any other business: how much does it cost to start? This is a big question since not many of us have a ton of cash on the side…if we did we wouldn’t be looking for an awesome cash business like snow cone stands!

Licenses

In most states, and even in some counties and cities, you will need to make sure you have all the business licenses available to operate. In some states these cost as little as $50 total, while in many others it may run up to a couple hundred, but it shouldn’t run any more than that. The cost also varies if you have a lawyer draw up business papers for you, or if you choose to do it yourself and hand the application into the courthouse personally. These fees can usually be made up with one or two good days.

The Snow Cone Cart

Prices can vary greatly depending on what type of a cart you buy to get started with. In fact, this expense is the single biggest factor in determining start up costs. Snow carts range anywhere from $400 to $4,000 for brand new shaved ice carts. There is also a ton of variety between these two extremes, but many people decide to start out with snow cone carts that are well under $1,000 starting out, and many make their money back in short time with just a few really good cash days.

While many people will do very well starting out with a small cart, don’t rely on price alone. There’s nothing wrong with starting cheap and working your way up (especially with how often the shaved ice business doesn’t even feel like work), but what if the early demand for your snow cones is three or four times what you can provide? Not only do all those profits walk away, but you will end up having to buy a larger and more expensive snow cone stand anyway. Take the time to make sure you’re making the right decision on this one.

The Shaved Ice Machine

The next most expensive piece of equipment is the shaved ice machine itself. The machine, along with your stand, is one of the cornerstones of your business starting out, and entry level machines are most commonly found in the $400-$600 range. The best place to find a good shaved ice machine is from an actual vendor or online website that specializes in them. Many of these sites will actually have several machines for easy comparison, making it easier for you to look at the deals available and decide on the best one for you.

Buy Supplies Wholesale

While prices can vary for the supplies you need to run the snow cone business, most of these will at least be in the same price range. For materials like paper cups, plastic spoons, or Styrofoam cups, never be …

Okay, you’re not confident about asking a SD for money because you keep seeing advice against telling him about your financial troubles. I will be among the first to admit that flat out asking a SD for money is anything but easy. You have to remember that when you ask for nothing that is exactly what you’ll get. I learned that lesson the hard way. There is a difference between discussing your needs, expectations, etc., and whining about your bills. It’s all in the approach.

With men you meet through a sugar daddy dating site, it’s a question of who takes charge first. Do not wait to talk about what you expect from them. They signed up knowing exactly what kind of website they were on. Your expectations should be a topic that is discussed very early in your relationship. If you have a brief first meeting and there is no time to bring it up then (and you should bring it up), talk to him about it before your second encounter. If you don’t, you will have given up control. All you have to say to get the conversation going is, “we need to talk about what each of us expects from this.” You don’t have to ask for much. If you see him 3-4 times a month, $200 every time you get together is a reasonable place to start. For an out-of-town sugar daddy you see once a month, aim for $400-500. In either case, you can get him to increase his contributions a little at a time.

Now then, if the man in question is someone you met “on the street,” he may not even know that he is a sugar daddy. This approach may be a bit sly, but try to get something from him every time you see him. At first, maybe you want to “go out with your girlfriends”. Next time, perhaps your “car needs some work.” Make sure he isn’t a whiz mechanic if you go for that one (unless your car actually needs work and you don’t mind him doing it). He will come to anticipate your needs and will begin to freely give you money on a regular basis.

With either type of sugar daddy, you can work your way into him paying your car payment, rent or mortgage. You can also convince him to pay for you to go back to school or to help you start a business. The key is to get over being hesitant about letting him know what you need. Very few of the sugar daddies I’ve known were shy when it came to what THEY wanted.

Let’s assume you’ve been regularly seeing a sugar daddy who showers you with gifts, but what you really need is money to pay your bills. After you’ve been seeing a sugar daddy for awhile it is going to be more difficult to broach the topic than with someone new. In any case, you still need to test the waters. …

Lots of people believe that street crime is a very serious problem in this country. Others however, believe that corporate crime is far worse. Without a doubt, corporate crime is far more damaging to our society than all the street crimes put together. As a matter of fact, when one compares the dollar amount lost and bodily injuries inflicted as result of both crimes, corporate crime is way ahead of street crime. The FBI estimates that the total dollar amount lost to street crimes annually is about $4 billion. Now, this figure is chump change compared to the corporate crime losses from Enron, WorldCom and Tyco. Corporate health care fraud alone costs the taxpayers of this country about $300 billion, annually. Remember the savings and loan fraud of the nineties, called the biggest white collar crime in history, when a whooping $500 billon of taxpayers’ money went down the drain.

Well, some say corporate crime is not violent compared to street crime. They say victims of corporate crimes are usually not seriously injured or killed. This is absolutely false. Corporate crime can also be violent. According to the FBI, about 16,000 people are killed in street crimes in this country, annually. Now, compare this to the 56,000 who die every year as a result of corporate criminal negligence. These are people who die from occupational diseases, environmental pollution, contaminated foods, and hazardous products and so on. Case in point, the recent deaths of 25 workers in a West Virginia coal mine, where the company knew these workers were operating in unsafe conditions.

Unbelievably, prior to this preventable tragedy, this same company had received 458 citations from federal inspectors. But the company believes that it’s cheaper to run the mine in an unsafe way and risks people’s lives than it is for them to comply with the laws. And to make matters worse, a couple of years ago the Department of Justice introduced what they referred to as the deferred prosecution agreement. With this agreement they can bring charges against a company and then tell the company, if you behave yourself for the next couple of years and stay out trouble, we will drop all the charges. Makes you wonder if they are on the corporate criminal’s side or against them.

In conclusion, corporate crime is by far the most damaging crime in this country. While street murders are prosecuted every day, here in the United States, deaths from corporate criminal negligence are neither prosecuted as homicides nor as a violation of state or federal laws. Corporate crime is a cancer that is slowly killing this country and we must all work to toward getting rid of it.…

Do you often find yourself late for appointments? Do you feel unorganized? Have a hard time finding phone numbers, addresses or other important information when you need it? If so, then you need a personal organizer. A personal organizer system is an ideal way to help you stay organized and keep all of your information in one place. However, personal organizers — both paper-based and electronic — can be very expensive, and they usually contain categories or sections that you don’t need.

Fortunately, it’s not really necessary to spend a lot of money on a fancy organizer, PDA or smart phone. You can do it yourself and save a lot of money. Here’s how you can create your own custom personal organizer that is inexpensive and perfectly meets your needs.

1. Materials you will need:

a. Small loose-leaf binder. You can find these at just about any stationary store, drugstore, discount, or grocery store. Make sure the binder has pockets in the front or back so you can put in a small calculator and your business cards.

b. Loose leaf lined paper. The paper needs to be the same size as the loose leaf binder.

c. Divider tabs.

d. Appointment calendar. These are small booklet-form calendars you can buy, or you may be able to get one for free from your bank or other merchants that offer these to their customers at the beginning of the year.

e. Small Calculator. Very inexpensive these days – sometimes as cheap as one dollar.

2. Create your categories:

a. Next, you will create the categories that you are going to put in your organizer. Common categories used by many people include addresses, telephone numbers, appointments, expenses, projects, to do list, notes, and so forth. You may create any category that suits your needs. Don’t be afraid to be original, because this is going to be custom -made just for you.

b. Write the category names in the divider tabs. Place the tabs in the binder, and include several pieces of blank lined paper behind each divider section.

c. Put the calendar in the appointments section. Remove the outer cover first, and then punch holes along the inside crease of the calendar. Make sure the holes you punch are spaced the same as the binder rings.

d. Finally, put the calculator and your business cards in the inside pocket. The calculator will come in handy anytime you need to make calculations at work or when shopping, and your business cards will be readily accessible when you need to give them out.

3. Use it! Start using your new organizer right away. Any system, no matter how good it is, will be of no practical use if it is not used regularly. Get in the habit of writing down all of your business and personal appointments and important dates such as birthdays, anniversaries, holidays, etc. Also, write down the addresses, phone numbers, e-mail addresses, and other contact information for your family, friends and business contacts. …

Tired of heating your pool to a desired temperature and finding it cold again the next day? Not happy about the amount of chlorine you need to put into your pool on hot summer spells? Let’s talk a bit about above ground pool covers and how they can save you money.

I’m a pool owner, have been for 8 years now. It was in my third year of ownership that I purchased an (expensive) above ground pool winter cover. Guess what I use it for?

I cover my pool each and every night in the summer.

That’s right. When I’m done swimming for the day, I pull over the above ground pool winter cover and let that heat stay right where I want it.

Not sure where you live, I’m in Southern British Columbia, Canada. Nice place, we hit 70-90 degrees on occasion. Thing is, come evening, most nights you throw on a sweatshirt to keep warm. Temperatures do drop a bit come sunset. This is when I put the cover on my above ground swimming pool. I like to trap in the heat that my solar panels, attached to the south facing roof, have provided all day long.

In the morning, if I want an early swim, I can roll back the cover and jump right in. I know that pool is the 85+ degrees I left it at the night before. Now I have a backup heater system as well. It is a 25,000 BTU gas heater. When it comes on, I can actually see the gauge inside my gas meter at the side of my house moving.

Before I covered my pool, that good old gas heater would fire up around 3-4 am each morning to keep the pool to temperature. Did not think much of it until I received a couple of gas bills. Did not help that the gas company bills me every two months.

After a summer of $400 plus gas bills, I finally decided the investment into a good, quality, above ground pool cover was in order. My cover has a blue vinyl surface with a black plastic / vinyl underside. It is about 1/8th think with a heat resistant material in the middle.

It does not work like a solar cover, it will reflect light and heat when it is on. What is does do is keep the heat inside the pool. As a side bonus, it prevents water evaporation, which has proved to be less chemicals needed as well. Yes, I paid $1000 for the cover, once I had it custom made for my lazy L shaped pool. First year I believe I have saved that money in gas bills alone as my heater never runs.

I also get to open my pool almost a month ahead of my neighbours each spring. I put on my above ground pool cover and fire up the heater. This is my start up expense and I budget for it. My pool is hot within …