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Business – Understanding Your Value and How to Market it – References

In order to have a strong, active and growing business, you will need to have good referral sources and also be able to provide good referrals for your clients to receive services that you do not offer. Building and nurturing relationships with others will result in a steady stream of new clients for your practice.

There are many different types of referral sources that can be cultured as follows:

1. Word of Mouth – For years, marketers have stressed the fact that the best form of advertising is through individuals who talk about your services in a positive manner. Former clients, their friends and relatives can personally attest to the satisfaction they gained by working with you. It does not take long until a community forms an opinion about you and your private practice. I remember hearing the words of a lawyer a few years ago who stated "It takes a lifetime to build a reputation and only a few seconds to lose it". People frequently refer their acquaints for assessment and / or treatment.

2. Other Professionals – At times you may set up joint ventures where the client benefits from having different types of services. In divorce, for example, a lawyer, a psychologist and accountant may all work together for the benefit of the client. Other professionals may work in tandem with you and ask that the client see you before they work with you. For years I have been completing psychological assessments for an infertility specialist who claims that he does not have ethical practice without the couple has had this assessment done first. You may receive referrals from teachers who request that you treat students or from managers who are concerned about employees.

3. Government and Public Service Agencies – The Justice system, community service organizations and government departments may refer individuals to you for either assessment or treatment services. Some such as Worker's Compensation Board or Health Canada may actually pay for the clients but usually this is on a fee schedule that they set. There are times when your contract will allow you to ask the client to "top up" the fees if the organization's scale is lower than your rate, but other times when you will need to decide whether you are willing to work for a lower amount in exchange for a steady stream of referrals.

4. Employee Assistance Programs – Under this category, some companies offer a limited number of sessions or annually amount as part of the benefit plan for employees. Most of these allow dependents and / or eligible family members to also obtain services. Most of these programs involve signing a contract with the EAP company at the fee per hour rate that they are willing to pay. The benefits are available to the employee on a yearly basis and can not be transported over into the following year. It's "Use it or lose it". Some employees also are given a "Health Spending Account" which is a set …

Understanding and Saving on Alberta Car Insurance

Finding car insurance can be a difficult and stressful process, especially for those who do not have much experience when it comes to average rates and coverage. Luckily, the knowledgeable team at InsurEye knows exactly how to find the best auto insurance in Alberta, and for the best price! With a solid team of professionals on your side, there is no need to worry about finding cheap auto insurance that fits your needs.

The Many Ways to Save on Auto Insurance in Alberta

There are many factors that affect car insurance rates in Alberta, from the condition of your vehicle to where you drive and park, or even your educational and driving history! The following are just a few of the ways that you may be able to save on your auto insurance rates.

By starting with an online comparison, you will be able to check average auto insurance rates in Alberta. If you've been with the same insurer for a long time, it may be difficult to beat their rates (especially if you have not had any recent claims), but it's always worth looking. If you do not have a good driving record, keep in mind that this will only affect you for approximately three years. At that time, previously incurred tickets will be removed from your history, and your promotions may be reduced.

If you have not done so already, you can complete a driving course in an attempt to reduce your insurance premiums with some insurance companies. If the car you're currently driving is not worth very much, consider only getting the minimum coverage required by law, without collision damage. This will likely mean that you'll have liability insurance, and will still be protected if you damage someone's vehicle, but the damages on your own vehicle will not be covered.

If you're a more experienced driver, you may be able to save by increasing your car insurance deductibles, and then incurring higher payments for damages in case of an accident.

Something as simple as where you park your vehicle can also affect your insurance rates. By parking in a safe location, like a private or secure garage, you will likely receive lower premiums. If you need multiple kinds of insurance coverage (like auto, home, and life insurance), many companies will give you the option to bundle them together for a discounted rate.

Graduates of certain Canadian universities may be eligible for a discounted rate from some insurance providers. Some insurance providers will offer a discount to members of certain professional organizations, such as Certified Management Accountants of Canada, or The Air Canada Pilots Association.

As a senior citizen, you will also be able to save, since most companies offer discounts to seniors.

To discover more ways to save, contact InsurEye today. By filling out our online insurance quote form , you can connect with an experienced insurance professional who will help you find the perfect plan.

Understanding Auto Insurance in Alberta

When choosing auto insurance, it's important …

How to Find Cheap Apartment Rental Insurance

If you live in an apartment, you may not think you need insurance or you may think your landlord's policy covers you. Think again!

Your landlord's insurance covers only the building, not your possessions. You need to find cheap apartment rental insurance to protect your belongings.

Apartment rental insurance also covers you if …

* Your apartment is damaged and you need to temporarily live somewhere else for a while.

* Your property is stolen someplace else, such as if your laptop computer is stolen while you're at the library.

* You damage the landlord's property and have to pay for repairs.

Decide How Much Coverage You Need

Your first step to get cheap apartment rental insurance is to decide how much coverage you need. Make a list of all your personal possessions and estimate how much it would cost to replace them. This will give you an idea of ​​how much coverage you need.

You also need to decide how much of a deductible you can afford to pay. The deductible is the amount you pay on a claim before the insurance company pays. The higher your deductible, the lower your insurance premium. Just make sure you can pay the deductible if you ever need to make a claim.

Check with Your Car Insurance Company

To find cheap apartment rental insurance, first check with the company that insures your car. You may be able to get a discount for having both policies with the same company.

Other discounts you might be able to get include:

* Non-smoker's discount if no one in your residence smokes.

* Security discounts if your apartment has deadbolts, smoke detectors, or other safety features.

* Senior's discount if you're a retired senior.

Look on the Internet

Search online for companies that offer cheap apartment rental insurance. You can go to insurance websites, fill out a single form, and get fast quotes from several insurance companies (see link below).

Make sure you use the same coverage limits, deductibles, and discounts for each company so you can compare them fairly. …

Comparison of Senior Life Insurance And Alternatives

What is Senior Life Insurance?

A senior life policy is usually a fairly small face value whole life insurance policy. By a small face value, I mean from a couple of thousand dollars to twenty or twenty-five thousand dollars. The policy is usually intended to help a family pay expenses that come up at the end of life. These examples could includeerals, debts, travel, and compensating family members for losing time at work. If any money is left over, the beneficiaries of the policy are entitled to keep it to use however they wish.

Advantages To Senior Life Insurance

There are some advantages to having a policy. Funerals are expensive. It can be very tough to come up with the cash to pay for one. Other expenses also tend to crop up when a loved one dies. The policy can be a source of cash to help pay for these things.

It can also be a way to leave cash to the beneficiaries. Any money that is not needed to pay for end of life expenses should go to the people who are named on the policy. In most cases, there are no taxes due on the proceeds from a life policy.

Is Senior Life a Low Cost Choice?

Because the face values ​​are small, many policies are quite affordable for seniors or their families. However, we also need to decide if these policies are a good value. That will depend upon a lot of things.

Take the example of an eighty year old female. A typical premium for an $ 11,000 policy might be about $ 95 a month. In this example, the policy will be paid up at age 95. After her 95th birthday, the insured person will not need to pay more premiums in order to be covered.

Keep in mind that this is just an example, and it is not meant to illustrate any particular insurance policy. Rates will vary by age, health, location, and insurance company. In order to get accurate quotes for yourself, or for a loved one, you can find an online life insurance quote form.

In this example, if the insured person does survive until age 95 when the policy is paid up, the premiums would have adjusted to over $ 17,000. This is probably more than the $ 11,000 face value of the policy! It would be easy to say that, in this case, the family would have been better off by putting the money in a savings account.

Insurance is about risk though. If the insured person would pass away in the first few years of the policy, the premiums paid would be much lower than the face value. In this case, the family would pay less than the face value for the policy.

So it is hard to say for sure if a senior life insurance policy will be a good value or not. Nobody, can predict the future. We also spend a lot of money on car insurance …

High Deductible Health Insurance Can Save You Lots of Money

Have you heard about the new High Deductible Health Insurance Plans? These new plans can offer you major medical coverage at very low prices when compared to other types of health insurance. Let's take a look at what this type of plan is all about.

High Deductible Individual and Family Health Insurance Plans

HDHPs or High Deductible Health Plans are growing rapidly as Americans look for ways to save money on health insurance. If you're looking for low cost health insurance, and want coverage for serious injury or illness, a high deductible health plan may be just what you need.

A high deductible health plan is designed to protect you and your family from high medical costs and encourage preventive health care. If you are reliably healthy, this plan can save you a lot of money. This is how it works:

1. You choose from a selection of high deductible amounts ranging from $ 500 all the way up to $ 10,000 depending on which insurance company you are working with.

2. You agree to a health insurance plan in which you are responsible for medical costs up to the deductible amount you have chosen.

3. After you have reached your deductible amount, the insurance company agreements to cover up to 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your medical costs, up to the policy limits.

Choosing a high deductible health plan can dramatically reduce your monthly payments dramatically. As much as 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} in some cases. The downside of high deductible health insurance, is that you absorb some of the risk for medical costs. For instance, if you were to choose a $ 3500 deductible, then you would be liable to pay that amount before the health insurance begins to pay. Many of these plans offer 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} coverage once the deductible has been met, which means $ 3500 is the most you would have to pay in case of a serious medical issue.

High Deductible Health Insurance Quotes

Because almost all major insurance companies have made their medical plans available online, you can go shopping for health insurance any time, night or day, and find high deductible individual and family health insurance quotes in a matter of minutes. …

Points To Consider With Cheap Auto Insurance

The word "cheap" means different things to different people, so the first thing you will want to do is to define what "cheap" means in your vocabulary. If it means that you want the bottom line lowest of the low prices to get cheap auto insurance, and the only thing you are concerned about is what the policy costs, then this may not be for you. But if you are looking for the best value to get the most bang for the bucks, then there are multiple places, online and offline, where you can find cheap auto insurance.

You need to understand that not all auto insurance policices are done the same way. The standard policy from one insurance carrier is significantly different than the standard policy from another insurance provider. You also need to know that whatever you get, everything comes at a cost, and sometimes if you do not pay that cost up front, you will pay it later, and there is no getting around that.

For example, the reason you are carrying cheap auto insurance is because you need the coverage, either for peace of mind or to comply with your state laws, but what happens when you get into an accident? If you have a good policy, then things are taken care of with minimal effort on your part. However, with some of the cheap auto insurance policies that are available out there, getting the insurance company to pay on a claim is going to take significant time and effort on your part. If you value your time at all, sometimes think about it and attach an hourly rate to it, you will realize that after factoring in the personal time you had to spend on getting them to cover a claim, you have not saved any money at all . In fact, you paid MORE for it!

Auto insurance policy coverage is not an exact science. First of all, you have the deductible, and the amount of the deductible could be different for the various kinds of coverage. For example, you may have it set up for $ 500 deductible on collision, but a $ 1500 deductible on comprehension or fire. The deductible amount has a drastic impact on the rate that you pay, and is the amount that you will pay out of your own pocket before the insurance company pays anything. To give an example, let's say you have $ 500 deductible on collision and you get into a minor fender bender, but the estimate to repair only comes to $ 400. The insurance company will not pay anything on that, since it is less than your deductible, and in fact, that is a case where you probably do not even want to tell your insurance company about it.

There are also differences in liability. For example, if you get into an accident where the other person sustains various severe flaws. It is not unusual these days for hospital costs to go well …

Why Insurance Agency Websites Need SSL

There are many compelling reasons why insurance agency websites should move to SSL, including security, encryption and trust. Google is making a big push to move all websites to SSL, and said that as of October 2017, “Passwords and credit cards are not the only types of data that should be private. Any type of data that users type into websites should not be accessible to others on the network, so starting in version 62 Chrome will show the ‘Not secure’ warning when users type data into HTTP sites. And eventually, we plan to show the “Not secure” warning for all HTTP pages, even outside Incognito mode.”

What is SSL & Why Is It Secure?

When navigating to a website, you might see a domain name resolve beginning with http: Sites that begin with http: are not SSL sites. All SSL sites begin with https:. SSL is an acronym for Secure Sockets Layer, which is the de facto standard used to establish an encrypted link between a web server and a browser. The SSL link ensures that all data communicated between a web server and a browser remains private.

In other words, SSL keeps information sent across the Internet secure and private, allowing only the intended recipient to receive it in an understandable format. Many people don’t realize that information they send over the Internet is passed from computer to computer, before it finally arrives at the selected destination server. That means that any one of those computers, which are communicating your information in this chain, can intercept important information such as usernames, passwords, credit card information, medical information, etc. SSL encrypts this data, making the information unreadable for everyone except the final destination server. This is important for increased security and to protect confidential information from hackers and identity thieves.

SSL Authentication

SSL provides authentication in addition to encryption. As mentioned previously, your information will typically be transmitted through a series of computers. A good example of this might be a quote form, which might contain confidential information about prospective insurance clients. Any one of these interim computers could potentially pretend to be the final destination website and hijack your confidential information. This security issue is thwarted by using a Public Key Infrastructure (PKI), and getting an SSL Certificate from an authorized SSL provider. SSL certificates are provided to verified entities like your insurance agency for example, after they have gone through several identity checks to prove they can be trusted. Insurance agencies wishing to accept credit card payments will be required to use SSL for their sites.

Browser Warnings & Visual Clues

Major web browsers like Chrome, Mozilla, Safari and Edge are now providing indicators to help users determine if an insurance website is secure. Site that have SSL indicate that the site is secure in the top left hand corner by using the word secure, or offering visual clues. For example there might be the word “Secure” displayed, or a lock or other icon indicator. Conversely, a …

Are You Adequately Covered?

When it comes to home insurance, under-insurance is a genuine concern and a homeowner who has not gotten enough cover could find themselves out of pocket if they are a victim of burglary, fire or other disaster.

There is no point insuring your marriages if you do not value them correctly. If you are a victim of burglary or fire or some other disaster and you have insurance, this does not automatically mean that you'll get the full value of the goods back. It all depends on how much cover you are insured for.

Sadly, many people find out too late that they did not properly calculate how much their possessions were worth and not only have to deal with the dynamic side of being burgled or having their beloveds broken in a fire or flood, but have to suffer a financial loss too.

Even if your policy is index-linked (where every year your home contents insurer automatically increases your level of cover), it still does not mean your contents are fully protected.

For example, over a year, even something as simple as buying two DVDs and two CDs every month could add around £ 500 to the value of your contents. Add to that an expensive watch, a brand new suit, children's games etc and you could tot up possessions worth over £ 2,000 – all which will not be included in your content insurance.

The key to making sure you have adequate home contents insurance is to do a 'stock take' of your property. Include every item from cooking utensils and childrens' toys and clothes up to the family TV. This will give you a realistic value for a sum insured.

And if you are a wine connoisseur with a cellar fill of valuable wines, make sure you check with your insurer that these are neatly covered – if at all!

Finally, do not forget your buildings insurance. If you have had home improvements such as fitted wardrobes or a conservatory carried out, do not forget to let your insurer know and get your cover upped. …

Car Insurance – An Explanation of UK Third Party Motor Insurance

Third party car insurance offers you cover for any claim made against you, your driver if somebody else was driving or the registered owner of the vehicle. The road traffic act specifics that you are required to have a certain minimum amount of cover. All UK car insurance policies providing "third party cover" or more, will provide greater protection than the law requires. Whether you just have "third party only", "third party fire and theft" or "comprehensive" you will have this section.

If you are to blame for causing an accident your insurer will pay for all sums of money that are awarded to those people (the third party) that you have killed or injured, or whose property you have damaged etc. This includes any legal costs incurred by either the victim's or your own attorneys.

This whole question of third party cover becomes somewhat more complex when you are a passenger in your own vehicle and it is being driven by someone else. Provided that the driver is allowed to drive it, then it is the other person who is protected by this part of the policy and not you. Your insurance policy will list those who are insured to drive the vehicle, for example, named drivers, passengers, employer. Thus if you, as the passenger, were to be injured owed to the bad driving of the person driving your car, you have the legal right to claim compensation from the driver. Thus, in this situation, your third party insurance policy would 'indemnify' the driver, not you. You would end up claiming (and almost certainly winning) damages from the driver on your own third party policy. Do not forget that this works both ways. In the above scenario if the driver were killed or injured while driving on your policy then there would be no liability on your insurance company.

Sadly, immaterial of who was behind the wheel, you can not claim for accident damage to your vehicle under this section.

If a thief takes your car and causes an accident (an all too often occurrence) this part of the policy will protect you, as the vehicle's owner, against any claim for injury or damage caused by the thief. This seems so unfair – after all it was the thief who was to blame, yet we'll lose our no-claims bonus because of something totally out of our control. Remember, we are concerned here with the law. The intention is to make sure that we can compensate innocent victims who suffer damage to their property or physical injury caused by a stolen car. Which car thief has the money to pay for such damage? That it is feasible, in actuality, for the victim to claim against your policy. …

Asset Protection for Renters

Do you rent an apartment, house, or condo? Do you feel that your marriages are protected from theft, natural disasters and fires through your landlord's insurance policy? If so, think again. True, your landlord or apartment community probably has insurance, but their policy only protects their own property. Hopefully, your community offers security features such as an alarm system, gated entry, keyless door lock or some combination thereof. But even with the peace of mind these barriers provide, a burglary or natural disaster can surely deem your home and property a total loss. Purchasing a suitable renters insurance policy is the best safety net to protect the assets you have spent years accumulating.

Before speaking with several companies about their renters insurance services, take a complete inventory of your marriages and assess their value. Also, gather the receipts from each item's original purchase and appraisals for your valuables. Take a photo inventory of all items to be covered by your policy, including detailed photos of each room of your home in its entity.

Selecting the right company to provide your renters insurance is a critical step. Ask friends and family for recommendations, and do your own research including calling each company armed with a list of questions. Obtain a written statement of the events that are covered under each policy. Take detailed notes about each company's coverage, rates and the overall impression you receive from the representative who assists you. Remember, these are the people you will be contacting for help after a devastating loss of property, so be thorough and choose your provider wisely.

Pay attention to what situations are covered by each company, and how they may affect you lest you need to file a claim. Ask about specific disasters that may affect you based on your geographical area. For instance, is your home in an area where hurricanes or earthquakes are a viable threat? If so, you may need additional coverage for these types of events.

Through your research, you will come to discover that all insurance policies are not created equal. Inquire where each policy covers the replacement cost or the actual cash value of your possessions. Replacement cost and actual cash value are entirely different means of being compensated when you file a claim. A policy covering the actual cash value of your debts will pay you the depreciated value of your assets (minus your deductible), regardless of the amount you originally paid. A three year old television for which you originally shelled out $ 2,500 will not be covered for the full $ 2,500 under this type of policy. A policy covering the replacement cost, however, will allow you to collect the full amount that it costs you for a replacement television (minus your deductible).

Policies, coverage and rates vary greatly among providers. Taking the time to perform preliminary research will help you make an informed decision and obtain coverage from a company you trust to deliver at the time when you need it …