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  • Add You - Money Strategies in Car and Life Insurance

    Getting the Most Return from Your Sales Time Investment (ROI)
    Let's face it: you are probably working for far less than you need to. And the sad thing is, you may not even be aware of it or the options you have! As of now, we're going to change that for you, and possibly share with you not only a thought but a vehicle that can change your financial life. We are going to show you how to get much more out of your sales time investment.This probably applies more to the part time, home based business person than the professional...but we have seen, met, and talked with professionals who really are under- valuing their return on time investment. I know.. we are using that "time investment" word alot all ready. But you MUST consider it just as you do a cash or money investment. In fact, it's even more important because once spent or invested, you can't ever get that particular moment or minute back. It's gone. You can always invest more money, but you only have so much irreplaceable time. Your sales time investment is one
    r your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

    3. Drop collision and/or comprehension coverage on older cars - It may not be cost-effective to have collision or comprehensive auto coverage's on cars worth less than $1000 because any claim you make wo

    FFA / Reversed Marketing
    Have you ever submitted your ad to an FFA page? Most likely you have. Did you get any results from it or did you just get a ton of emails in your inbox?FFA pages are gaining popularity popping like bombs everywhere!What is an FFA page? It is a free for all page.How it works is quite simple: you place a line of text on the FFA site for free...like thousands of other advertisers each day.The problem with FFA pages is that everybody is submitting their ad to it. So each time a new ad is submitted, all the other ads roll down one rank and the oldest ad is dropped of. What originally gave an exposure of days per submission, today only gives you about 30 minutes. This means you have to submit at least 3 times a day. You can do this automatically by using an auto submitter, which claims to submit your ad to a zillion websites. You must understand that this is not regular websites, but search engines, Directories and FFA pages. Still it is a lot of ads, and s
    You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the auto coverage you request and the kind of car you drive. Thanks to some public information from our friends at Pueblo, other public domain sites, as well as my own articles, here are a number of things you can do right now to lower your car insurance costs.

    1. Comparison Shop - Rates for the same car insurance can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance department. You can also check consumer guides, insurance agents or insurance companies.

    But do not shop price alone. The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs. Check the financial ratings of the companies too. Then, when you have narrowed the field to three insurers, get price quotes.

    2. Ask for a higher deductible - Car insurance deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

    3. Drop collision and/or comprehension coverage on older cars - It may not be cost-effective to have collision or comprehensive auto coverage's on cars worth less than $1000 because any claim you make wou

    PHPBB: You Can Simplify the Set Up Process!
    In several previous articles I mentioned my having downloaded and installed the fantastic PHPBB open source forum. I shared with readers the lengthy and tedious process of selecting the right mirror, downloading the files to my computer, and following all the long, drawn out, and complicated set up steps. Fortunately, what was once a procedure that took the better part of a day can now take 30 minutes or less to complete! Let’s take a look how you can shorten the entire set up process and start benefiting from this free, popular program.When I set up my first two PHPBB forums in June 2005, I did so under duress. Just days earlier, my then message board host – EZBoard – had their entire system shut down by hackers. Or so they claimed. My two popular sites, the Aviation Employment Board and the Corporate Flight Attendant Community were left in the dark as EZBoard’s system rendered the sites virtually inoperable. With a repair promised, but several weeks away, I decided that
    number of things you can do right now to lower your car insurance costs.

    1. Comparison Shop - Rates for the same car insurance can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance department. You can also check consumer guides, insurance agents or insurance companies.

    But do not shop price alone. The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs. Check the financial ratings of the companies too. Then, when you have narrowed the field to three insurers, get price quotes.

    2. Ask for a higher deductible - Car insurance deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

    3. Drop collision and/or comprehension coverage on older cars - It may not be cost-effective to have collision or comprehensive auto coverage's on cars worth less than $1000 because any claim you make wo

    Are You an Under-earner?
    One of the main topics business owners want me to coach them on is profitability. For the most part, the kind of people I work with don’t have money as the #1 thing on the list of values. It’s important to them of course, but usually they’re more motivated by personal or spiritual values, like making a positive difference in the world. I’m a person like that myself. But as a business coach, I’m also privy to the inner- dialogue, the self-esteem issues, and the confounding defense systems that cause roadblocks to financial solvency. These deep wounds and doubts can sabotage business profitability far better than a failing economy, a poor job market, or a competitive marketplace ever could. Chronic “underearning,” a habitual pattern of an otherwise healthy, bright person who does not earn enough money to pay for life’s basic necessities, is a type of self-sabotage.The term “underearning” became popularized by the book, “Earn What You Deserve” by Jerrold Mundis. That book is
    panies.

    But do not shop price alone. The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs. Check the financial ratings of the companies too. Then, when you have narrowed the field to three insurers, get price quotes.

    2. Ask for a higher deductible - Car insurance deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

    3. Drop collision and/or comprehension coverage on older cars - It may not be cost-effective to have collision or comprehensive auto coverage's on cars worth less than $1000 because any claim you make wo

    Do Client Testimonials Help Your Sales Marketing?
    Do you use client testimonials on your sales marketing materials? The use of client testimonials is one of the best and oldest sales marketing tactics, whether it be used on your flyers, brochures, company website, newspaper & magazine advertisements, or even framed letters hanging on your office wall.Using client testimonials works. But there is a right way and a wrong way to do it.In short, when including a testimonial in sales marketing material, include the full name and, if applicable, company that the testimonial giver works for, along with their position within that company.Why should you include the full name, company, and position in a client testimonial? The reason is that it is so easy to create a fake testimonial that a lot of companies do just that. And, consumers realize this and don’t give much credence to fake looking testimonials. They’re easy to spot too. They usually include just a first name. The client testimonials on your sales m
    cial ratings of the companies too. Then, when you have narrowed the field to three insurers, get price quotes.

    2. Ask for a higher deductible - Car insurance deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

    3. Drop collision and/or comprehension coverage on older cars - It may not be cost-effective to have collision or comprehensive auto coverage's on cars worth less than $1000 because any claim you make wo

    Optimize For Search Engines And For Visitors
    The question on webmasters’ lips is whether to optimize their website for search engines or for visitors. There are arguments for both sides of the argument. On the one hand, without good search engine optimization a website may struggle to actually get any visitors but attracting tens of thousands of visitors a day would be of little consequence if the website doesn’t convert those visitors into full paying customers.Keep Your Website’s Goal In MindIt’s incredibly easy to get wrapped up in search engine optimization and to forget the ultimate goal of your website. Whether this goal is for visitors to click on links, purchase products or pay for your service you need to encourage your website traffic to do this. The most effective way is to produce exceptionally written and informative content but natural content writing never used to perform well in the search engine result pages.Is Google Doing Good?There’s good news for anyone looking to profit from
    r your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.

    3. Drop collision and/or comprehension coverage on older cars - It may not be cost-effective to have collision or comprehensive auto coverage's on cars worth less than $1000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of cars.

    4. Eliminate duplicate medical coverages - If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto policy. In some states, eliminating this coverage could lower your personal injury protection (PIP) cost by up to 40%.

    5. Buy a "low profile" car - Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs. Write to the Insurance Institute for Highway Safety, 1005 North Glebe Road, Arlington, VA 22201 and ask for the Highway Loss Data Chart.

    6. Consider area insurance cost if you are making a move - Costs tend to be lowest in rural communities and highest in center cities where there is more traffic congestion.

    7. Take advantage of low mileage discounts - Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.

    8. Find out about automatic seat belts or air bag discounts - You may be able to take advantage of discounts on some coverage's if you have automatic seat belts and/or air bags.

    9. Inquire about other discounts - Some insurers offer discounts for more than one car, no accidents in three

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