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BCIN? Difference Between Designer, Architect and Engineer According to the Ontario Building Code

As I meet with new clients and friends every day, I commonly hear the same questions "What is a BCIN?" "When is a BCIN required?" Etc. Here is some clarification to the public on some important issues about choosing a company to provide you with plans. Please note that this information applies only in the Province of Ontario.

What is a BCIN?

A BCIN stands for 'Building Code Identification Number'. This number is assigned by the Ministry of Municipal Affairs & Housing, to successful applicants who have completed the requirements outlined in Division C Section 3.2 of the Ontario Building Code. There are two distinct types of BCIN number, individuals & firms. Individuals are people who have completed the exams and have received a BCIN from the MAH; However, they do NOT carry any insurance. As a result this limits the types of projects that the person can do. Firm BCIN's on the other hand MUST carry valid liability insurance, and depending on the amount of designs fees that a firm charges in a year will dictate the required amount of insurance coverage they must have. Insurance is expensive but it is there to protect you so avoid working with companies who do not have it. For most people, a home is your single largest asset; Do you really want to get plans from someone without insurance?

How do I know if I am choosing a registered company?

The Ministry of Municipal Affairs & Housing provides a database of all registered BCIN holders. The registry is available through a system called QUARTS. Once on the Public Registry, this system allows you to search by the individual's name, the company's name or the BCIN #. Once you have found a business or individual, it will bring you to a page with details on the company. It lists the mailing address of the business & contact details. At the bottom it should also show the Registration as 'Registered Designer' and the Status as 'Current'. If it shows up as 'lapsed or expired' then this means that they either do not have valid insurance for that year, or that they are late in filing their paperwork.

Do I need an architect or engineer for my project?

Probably not! There have been massive changes to the system in the last few years, opening the doorway for a new title; Designers. Architects & Engineers are NOT required for any project less than 600m² (6,458 sq.ft.) and less than 4 storeys. For most residential and small commercial projects, you do NOT need an architect or an engineer. However, and this is important, if the project involves certain structural modifications, an engineer may be requested by the municipality to review the plans. On this note, there is a BCIN exam which will supersede this requirement! If your design company is a registered company in the Category of 'Building Structural' then they can complete the plans.

When do I need a BCIN 'stamp' for my project?

Depending on …

Life Insurance Closing Techniques – Boost Your Closing Sales

Life Insurance Closing Techniques

If you were expecting another one line sales pitch to be written here, you definitely will not find it. Life insurance closing techniques have very little to do with sales pitches at all. The whole say this and all of a sudden you will get this kind of reaction from your prospect sounds like a crush sale to me.

If it ever came down to you giving a sales pitch, you are either trying to salvage the sale, or you are not in true communication with your client. Think about it, you are solely relying on some outdated script or pitch that was written who knows how long ago. Wouldn’t you rather know how to not perform a sales pitch and still close a deal?

I am one of those individuals that likes to know how things work. For example, if a doctor just ran some pitch on you, but he really didn’t know the science of his own work would you go with that doctor? I didn’t think so. The same concept goes with life insurance closing techniques, if you do not know the science of truly closing a deal, then why look for the quick way out.

This brings me to my very first point, you are in this business to sell yourself, not your products.

Life Insurance Closing Techniques – Always Sell Yourself

What exactly do I mean by “sell yourself”. A lot of individuals hear this but very few actually understand the science behind it. I am going to try and put it into the best perspective for you. Think of a time when you wanted to buy something, like a TV or Car. Do you remember the individual that you dealt with during the course of the sale? Maybe you do not remember his or her name, but you can definitely remember if they were knowledgeable, kind, informative, and helpful. Now, do you remember the guy you did not buy from?

What were the reasons you did not buy from that individual? Maybe he did not help out, he might have been rude or even ignored your questions or concerns about the product you were wanting to buy.

The reason why you did not buy from that individual, was because they did not sell themselves. Even though it was the same product, same price, same warranty, you still did not buy from that individual. Life insurance closing techniques are about getting to know your client.

They will not buy from a stranger, so you turn them into a friend. Friends have trust, and trust is what will get you the sale. The client must trust you with their money. If you are just out there doing some sales pitch about some product but have not really gotten to know who you are sitting across from, you are literally hiking up hill to close that deal.

Life Insurance Closing Techniques – The Sales Presentation

After you have gotten to know your client, …

Health Insurance Quotes Without Giving Your Phone Number

Getting health insurance quotes without giving your phone number is easy and something you should do right now. Whenever you are online do you stop when asked for your phone number and best time to call? I do…I can’t stand to be interrupted at home…especially by a salesperson.

Asking for your phone number is an intrusion most people avoid. The bad news is they are unaware of market conditions in personal health insurance. Health insurance is an expensive, necessary evil but it should be something you should never overpay for. Asking for a phone number is a turnoff. But there is good news…

You can get up to a hundred health insurance quotes without giving your phone number. You are asked for the following and the following only, for each person you are trying to insure:

· Zip code

· Gender

· Date of Birth

· Smoker or not

· Student or not

That is it…no phone number…no medical questions.

My wife and I have used this free, no obligation service for 8 years. I hate to spend a penny on insurance of any kind. But I have the assurance that I am paying the very least amount for my policy.

I filled this out just the other day…it took less than a minute…I received 112 different policy quotes to choose from…the quotes had the monthly premium, company name, deductibles, co pays, and a real plus…I could find out if my current doctor accepted this policy.

You should know what kind of policy you are looking for. Since we are healthy, exercise and eat right, we look for high deductible catastrophic coverage. These have the very lowest premiums.

But the prices vary greatly…I identified a savings of $684 per year over what I am paying now. So you should use this free service every several months. It is easy fast…and no one will call.

Once you narrow down the policy that meets your needs you then fill out one application and one application only. Isn’t this better and far faster than talking to several dozen salesmen or saleswomen. That is what you would have to do to get the same amount of information with every other service on the web.

Wouldn’t you rather get health insurance quotes without giving your phone number?

Here’s how……

Essential Things to Change in Insurance Training

Insurance services use knowledge related to finance, regulations, analytics in general and everything else in specific. For example, take project insurance. The insurer needs to evaluate various risks associated with the project. He should be able to make use of project management documents to understand the measures being taken by managers to manage the risks identified by them. He should be able to assess loss in case of claim. He need to use the knowledge of project management techniques in project insurance.

Again, if it is agriculture insurance, an insurer has to get idea about the crop yield, soil quality, farming practices etc. to do a meaningful insurance. So, knowledge of agriculture science need to be applied. Since insurance extends its services to every possible activities in the world or even in space, it has the potential to use every kind of knowledge.

Knowledge gained by insurance professionals during training are to be used. They are not for answering few questions in examination and then forgetting them. There is no end of values that insurance service can add in risk management in any kind of activities. And that is through the use of knowledge related to risk management techniques and also the knowledge related to activities. It may not be expected that every insurance professional will gain knowledge of every activity. But, he will do better if he is able to identify what knowledge to be used from where. This where can be external too.

There can be such training courses that are related to existing practices. But these are at the most basic level. It makes sense if there is a need of organized training on existing practices. There are regular changes in standards, regulations etc. that may create need of organized training to make them known to insurance professionals in formal way.

However, since Insurance service by nature is futuristic, there has to be emphasis on such topics that empowers the professionals to understand the future in scientific way with greater nuance. Such training prepares insurance professionals to go much deep in their profession and make the profession richer.

So, one thing that definitely need to be in the insurance related training is something about the future, something latest, something new, something that make the participants come out from the routine thinking and dive deep into topics related to finance, regulations and analytics or related to the special area of insurance.…

Is Prolozone A Viable Chronic Pain Treatment?

Prolozone is a reliably new form of alternative treatment for damaged joints, ligaments, tendons and spinal discs. It is administrated as an injection, delivering a mixture of oxygen and ozone to injured areas of the body.

Prolozone is different from prolotherapy; This latter form of treatment is generally limited to ligaments and involves the injection of a solution of simple sugar water combined with an anesthetic into damaged ligaments. The introduction of a foreign substance sparks the inflammatory response. The body sends inflammatory materials to the injured area, meaning that blood flow is increased.

Inflammation has a definite role in healing; Increased blood flow deliveries nutrients to injured areas that help repair them. But inflammation tends to limit oxygen supply to the area, particularly when chronic. Oxygen is crucial to the healing of bodily tissues. Prolozone injections oxygen and ozone, the most energetic form of oxygen, directly into injured tissues to facilitate repair.

Prolozone therapy generally involves fewer injections than prolotherapy and boasts of immediate pain relief. Its proponents claim that it has the capacity to permanently repair tissues and bring an end to chronic pain. One of the most significant claims made is that prolozone can repair cartilage in joints, something temporarily needed and long-awaited in the field of arthritis treatment.

If effective, prolozone offers hope to people suffering from chronic conditions like back pain, sciatica, sacroiliac joint dysfunction and arthritis. But, like most alternative treatments, there is very little research available to back up its claims. There are a handful of studies that promote reasonable success with ozone treatment for people with disc degeneration and osteoarthritis. See http://www.edmontonprolotherapy.com/Research/ProlozoneResearch.aspx for a collection of studies.

Even customer reviews are hard to come by for prolozone, possibly because of its newness. One review can be found on a forum at http://forum.bodybuilding.com/showthread.php?t=120062421&page=1; The reviewer Chronicles her early use of prolozone therapy for severe knee arthritis.

Prolozone treatment is generally not covered by insurance. An average cost is not available at this time, but the above reviewer mentioned that her injections cost $ 125 each, and she was receiving between 1 and 7 shots every 1 to 2 weeks.

There are many reasons to be hesitant about pursuing a new therapy like prolozone. Lack of studies, reviews, long-term risk analysis and insurance coverage are all plenty to make any patient weary. However, for those facing surgeries with high price tags, recovery time and risk, prolozone may be an attractive albeit experimental alternative.

Prolozone is a treatment option to pay attention to over the next couple of years; If scientific evidence grows in support of it, it may become eligible for insurance coverage and revolutionize the treatment of chronic pain problems like arthritis and disc degeneration. With regenerative properties unlike steroid injections and a wide range of application unlike prolotherapy, prolozone could be the future of pain injections.

Before pursuing alternative or conventional treatments, do your research. Understanding the pros and cons of treatments will put you in a position to make the best …

Common Mistakes Motorcycle Buyers Make When Looking For a Motorcycle Loan

Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.

Shopping for a motorcycle before shopping for a motorcycle loan.

Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.

Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of losing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.

Diving into the unknown motorcycle loan.

Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today’s age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better finding a lender offering an installment motorcycle loan for a longer term.

Borrowing too much.

The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 – $15,000. What they fail to realize is that financing a $10,000 – $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.

Not asking the right questions.

The first warning sign that motorcycle buyers should see is that if they do not understand the type of motorcycle loan, then they should be sure to ask a lot of questions.

Here are some good questions to ask:

o Is the interest rate fixed or variable? If fixed how long will it be fixed for?

o Are there circumstances that can make …

What Does Liability Mean on Your Car Insurance?

Liability insurance is very important and most state auto insurance laws require that an individual maintain at least liability insurance on their automobile. What it does is protect you against costs that are associated with the damage and injury of another in an automobile accident in which you may be deemed at fault.

There are two parts to the policy. There is property damage liability and bodily injury liability. It is pretty easy to guess that property damage liability is going to protect you against any cost and damage that is associated with damaging another person’s physical property and that bodily injury liability is going to protect you against the personal injury inflicted on someone else as a result of the accident.

Usually, there are some numbers that a person may see on their policy. These numbers usually look like this: 50/100/25. Now what this means is that the policy is split up into three different amounts each policy can be different depending on what the individual chose when they opened the policy. In this case, 50/100/25 means that the insurance will pay for the bodily injury of an individual in an amount up to $50,000, will pay for the bodily injury costs on everyone in a vehicle in an amount up to $100,000, and will pay property damage costs up to $25,000.

Every vehicle requires its own level of liability insurance depending on what state you are located in. It is important to know what your state’s auto insurance requirements are so that you have an idea of what you would have to pay in your insurance premium.

The cost

Liability insurance is cheaper than full coverage insurance that also includes damages from theft, natural disaster, and vandalism. Liability only covers costs associated with an accident so that you do not lose your hard earned assets in a lawsuit. There are have been cases in which a person has been sued for more that what they have in coverage, but the liability insurance does lessen the blow. However, a person can pay for different levels of liability insurance to ensure that they will not be “taken for everything they’ve got.” Not having enough insurance can still have a heavy impact on a person’s life when an accident occurs.

No one intends on hurting another and they usually do not purposely engage in an auto accident because there is so much trouble involved, including the possible loss of the vehicle. That is why it is important to carefully assess how much car insurance you think you will need. Liability insurance is rather affordable. Some states have a minimum requirement of 20/40/10, but you could carry something such as a 50/100/50 if you think you need it. The cost is still not going to be much.

Just remember…

Don’t forget that if you set your limits too low you could be setting yourself up for financial disaster even though you have insurance. This is to be considered carefully. It is easy …

What a Tour Broker Is and How to Become One

A person who operates a tour company is a broker. A broker is a middleman. Brokers buy or arrange items or services and sells these items or services to the end buyer. Some examples of brokers are:

Independent insurance agents. These agents do not provide insurance; they arrange insurance for you from an insurance company. Insurance agents usually get a commission from an insurance company.

Stock brokers. Like insurance agents, stock brokers help you buy and sell stock. They don’t own the stock. These brokers also receive a commission based on the amount sold.

Real estate broker. Again, these brokers do not own the properties they sell and they get a commission based on the value of what they sell.

There are also tour brokers. Tour brokers serve a variety of customers. This article is about what a tour brokerage is and the basics of this business.

Here is a good description if what a tour is: A trip with visits to various places of interest for business, pleasure, or instruction.

Here travel is defined: To go from one place to another, as on a trip; journey.

A tour, then, is not only travel but it is travel with the purpose being pleasure or interest. You may think of a tour as extended travel with the object being to see and experience an area. Travel, on the other hand, is usually only about moving from one place to another.

A tour broker works with people on a continuous basis. If you are going to get involved in this type of business you should like working with people – you have to be a people person.

Tour brokers are not travel agents. Travel agents arrange for the travel needs of their customers. Usually a travel agent will only work with individuals or small groups (families, for example). Travel agents also always buy something that is already in place (air travel, car rentals, hotels, etc.), they do not originate anything.

Tour brokers originate – they arrange tours, they arrange the transportation, they arrange the lodging, they arrange the meals, and they arrange other services for their clients. A tour broker plans on what kind of tour he/she wants to operate.

Next, the tour broker makes arrangements for the various components of the tour – transportation, food, lodging, attractions, etc.

There are many types of tour companies. Some offer guided tours of a local area – tours of a city or an attraction, for example. Some offer tours in a natural setting – guided tours through the Grand Canyon fall into this category. Some offer tours to various national and state parks. Some offer tours through a large area, a multi-state tour is a good example.

IF YOU LIKE TO TRAVEL – FOR FREE – THIS IS A GREAT BUSINESS TO BE IN

You may have to do inspections of the hotels and attractions that you will be making a part of your tour. If you have been taught correctly you will know …

Personal Financial Planning – Risk Management

Risk management in financial planning is the systematic approach to the discovery and treatment of risk. The objective is to minimize worry by dealing with the possible losses before they happen.

The process involves:

Step 1: Identification

Step 2: Measurement

Step 3: Method

Step 4: Administration

Risk Identification

The process begins by identifying all potential losses that can cause serious financial problems.

(1) Property Losses – The direct loss that requires replacement or repair and indirect loss that requires additional expenses as a result of the loss.

(For example, the damage of the car incurs repair cost and additional expenses to rent another car while the car is being repaired.)

(2) Liability Losses – It arises from the damage of other’ property or personal injury to others.

(For example, the damage to public property as a result of a car accident.)

(3) Personal Losses – The loss of earning power due to death, disability, sickness or unemployment and the extra expenses incurred as a result of injury or illness.

(For example, the loss of employment due to cancer and the required treatment cost in addition to normal living expenses.)

Risk Measurement

Subsequently, the maximum possible loss (i.e. the severity) associated with the event as well as the probability of occurrence (i.e. the frequency) is quantified.

(1) Property Risk – The replacement cost necessary to replace or repair the damaged asset is estimated by a comparable asset at the current price. Indirect expenses for alternative arrangements like accommodation, food, transport, etc, needs to be taken into account.

(2) Liability Risk – This is considered to be unlimited as it will depend upon the severity of the event and the amount the court awards to the aggrieved party.

(3) Personal Risk – Estimate the present value of the required living expenses and additional expenses per year and computing it over a predetermined number of years at some assumed interest rate and inflation.

Methods Of Treating Risk

A combination of all or several techniques are used together to treat the risk.

(1) Avoidance – The complete elimination of the activity.

This is the most powerful technique, but also the most difficult and may sometimes be impractical. In addition, care must be taken that avoidance of one risk does not create another.

(For example, to avoid the risk associated with flying, never take a flight on the plane.)

(2) Segregation – Separating the risk.

This is a simple technique that involves not putting all your eggs in one basket.

(For example, to avoid both parents dying in a car crash together, travel in separate vehicles.)

(3) Duplication – Have more than one.

This technique requires preparation of additional back up(s).

(For example, to avoid the loss of use of a car, have 2 or more cars.)

(4) Prevention – Forestall the risk from happening.

This technique aims to reduce the frequency of the loss occurring.

(For example, to prevent fires, keep matches away from children.)

(5) Reduction – Minimize the magnitude of loss.

This …

MLM Vs Cooperative Marketing – Which is the Best Home Business Opportunity?

If you are considering starting any new business venture, or getting into MLM/Network Marketing in particular, you owe it to yourself to read this article — particularly if you are a newbie.

These days, most people are familiar with MLM/Network Marketing. However, most have never heard of Cooperative Marketing. Those that aren’t may find the content herein to be shocking and amazing, if not revelatory and potentially life-changing.

Cooperative Marketing has been around for a long time in the mainstream business world, but it is relatively new to the “home-based business” world. The term can mean many things, but in general it means that the retailer is receiving marketing assistance from the manufacturer, supplier or other large-scale enterprise. Such advertising “co-ops” are common in many brick-and-mortar industries, including the grocery, insurance and publishing businesses.

In the case of a home based business, it means the company you are working with is taking on a major burden that normally would fall to you: the marketing of the product. In fact, the better Cooperative Marketing companies do much more than this, including actual selling, distribution and customer service. To date, only a relative handful of companies use this business model (compared to the hundreds of MLMs out there).

More’s the pity, because a growing number of “work at home” authorities consider it the far superior business model — both for the companies in question and for their individual representatives. Though the two business models have many similarities, they are more clearly defined by their differences, which are explored in this article.

MLM (MULTILEVEL MARKETING)/NETWORK MARKETING

As you probably know, the MLM/Network Marketing business is a huge industry. Many household names (Amway, Avon, Mary Kay, Herbalife, Shaklee, etc.) have had tremendous success using this business model, and many thousands of representatives (also called associates or distributors) have built profitable businesses in the industry. A smaller but still sizable number have built successful enough businesses to live very, very well indeed.

The MLM/Network Marketing business is based on the idea that reps are responsible for just about everything in their business, other than producing the product and handling commissions and bonuses. The company does these last chores, while the representative must undertake tasks which many find difficult and even onerous.

First, reps must find their own customers. Second, they must find new people to join their businesses with them. This is known as building a downline, and great success in the industry is predicated on having a large and thriving one. Specific business plans vary from company to company, but generally speaking you will not reach the top of the leader boards by selling alone. Third, reps may be required to order certain minimal levels of product every month, warehouse those products, distribute them, handle returns, etc.

While it is true many people have had great success in MLM/Network Marketing, it is also true that a far greater number have had little or no success. The plain truth is, not everyone is cut out …