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Day: June 3, 2018

Arizona Auto Insurance – The Real Secret To Lower Auto Insurance Premiums

Have you ever discussed auto insurance with a friend, only to find out you pay substantially higher premiums? Everything being equal, it probably has nothing to do with the type of cars you drive or the zip code in which you live.

About 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all insurance companies now use "insurance credit scores".

When you call an insurance agent or insurance company for an auto insurance quote, the first step is to run your score. This determines what "tier" you are placed into. Some companies have up to 40 tiers. Once it has been established which credit tier you qualify for, other factors are then accounted for: your zip code, vehicles, driving record, and discounts.

Two neighbors could call around for an auto insurance quote and have the exact same vehicles, both with clean driving records, and qualify for the exact same discounts. The one with the better insurance score will pay less, some times a lot less.

What determines this score varies from insurance company to insurance company. The best advice is to call your agent and find out what tier you are in. Find out what factors their company uses to determine good scores from bad. It is possible your agent does not even know or understand. Ask them to call and find out. Scottsdale Car Insurance / Scottsdale Auto Insurance

Do not be afraid to search for lower auto insurance. Getting lower cost car insurance is easy if you put the effort in. Finding a company that will ding you less for your credit score is the key. Try an independent insurance agency.

Some things to consider as far as improving your insurance credit score: Do not carry too many credit cards. You may have active cards with a zero balance but it is likely they are dragging your score down. These insurance scores do not like too many open credit accounts. Cancel the ones you do not need / use down to one or only two. Also, do not max out your credit line. If you have a credit card with a $ 12,000 credit line and have $ 10,000 charged, the scores will likely ding you. Have few cards and pay them down. The most obvious one of all? Pay your bills on time. …

Personal Brand Marketing – Brand Buzz 101

I understand the importance of visibility. As a small business owner, being "known" can be the difference between a steady flow of revenue or closing your doors. Yet, being visible is not enough. Being remembered is most important and means you occupy some prime real estate in the mind of someone. Garnering "share of mind" means that you somewhere along the way that they sampled your character and competency and you became memorable.

Marketing, by definition, is creating an exchange environment. For an individual, that could mean breaking a referral, speaking positively on your behalf, a promotion or an introduction. Branding, by definition, is an emotion or image tied to a product. YOU are the product. Even in businesses, people are the brand and define the company, more than any mission mission statement hanging in the lobby. So, how does an individual create "buzz" for their brand for visibility and more importantly to be remembered so that they can develop credibility?

1. Know what makes you unique.

Whether you're job hunting or wanting a position on board of director's, you need to confidently know what value you bring to the table.

2. Get really good at communicating what makes you valuable.

Ninety-three percent of communication is tone and body language. Spend time on the words so that what you say and how you communicate are congruent with your value. Yet, know that communication includes your image, the way you present yourself, your workspace, your phone skills and even your lunch meeting etiquette. They must all be congruent with what makes you valuable. Any discrepancies will jeopardize your credibility and could produce negative word of mouth which is a problem that I will address in future articles.

3. Manage that communication.

If you're creating "buzz" around your brand, it will require you to proactively manage the communication. For example, if you're new to a company or a position you will need to build a credibility wall. Yes, a physical wall if possible. It showcases every plaque, certificate, service honor, licensing, certification and degree you've received. This wall is your visual third party testimonial on the character and competency of your brand. Since that wall can not travel with you, make sure that anytime you're honored for volunteer service or recognized for a contribution that a copy of the "thank you" letter, note or card be placed into you personnel file.

Even if you're on your own, these "proof of credibility" tools will take you far. As the vice president of a business concern in college, I invited speakers to speak to our fraternity for professional development. I asked each of them to write a letter for me about their experience working with me so that I could include that in my personal portfolio. Many of these speakers went on to become regional directors, chief operation officers, chief financial officers, company presidents and further that my portfolio has become quite valuable. Actively "buzz" your brand! Doing that will develop credibility; credibility will …

Personal Success – Dealing With the Dream Destroyers

All of us have dreams and aspirations, but only a few of us are prepared to take action. As you are reading this, I assume you are one of the motivated minority.

However, on the long and rocky road to realising our ambitions, one of the biggest threats to our fragile dreams is the well meaning but misguided “advice” of our friends and family. Let’s face it, it’s tough enough to get yourself motivated to begin with, the last thing you need is discouragement from others.

So exactly how do you handle the dream destroyers? The following tips will help you get past the worst and keep you going on your mission.

Tip #1 – Understand them. The reason that those close to us seem to be discouraging our dreams is because of fear. They will tell you that they fear for you and that they are protecting you from failure, disappointment and humiliation. All of that maybe true but they also have fears for themselves.

They are afraid, that you will change. They are afraid that they will have to change and, finally they are afraid that you will succeed and they will look inadequate in your eyes, their own eyes and other people’s eyes. Your task is to accept their fears, try to calm them as best you can, but recognise that ultimately they are no reason for you to let go of your dream.

Tip #2 – To tell or not. We often expect our friends and family to unquestioningly believe in us and give us support no matter what, but they can’t always see things from our point of view. Sometimes it’s better not to tell them what you hope for until you are a little further on your journey and have gained some confidence in your own belief before you have to defend your dreams against others.

Of course, some plans will absolutely require their full support. If you’re planning to give up work to start a business for example, then maybe you need to involve the family from the beginning.

Tip #3 – Show them your determination. Having understood and sympathised with their fears, you must make it clear that you have no intention of allowing them to deter you from your goal. If you have a history of compromising and allowing their needs to become yours, then your new determination may be a shock for them, but if you truly believe in your dream, now is the time to break that pattern

You must explain to them that this is the most important thing you have ever done and that as a result you will be a better person and that your relationship will be better. Help them to realise that the pain of change will be worth the reward for all of you.

Tip #4 – Put them in perspective. When those close to you start to tell you why whatever you’re planning won’t work and why it’s doomed to failure, stop …