A CHRISTMAS CONTRIBUTION Clients appreciate receiving Christmas cards and letters. It's nice to know that someone out there cares and wants to be remembered. Several years ago, IMMS received a me...

DISABILITY/HOMEOWNERS Dear (Customer Name): Your family depends on you. You provide them with food, shelter, and all the comforts of life. But what if you were not able to do so? How would they get...

Testing your disaster plan is about the only way to ensure that the plan is complete, accurate, functional, and up to date. Testing will also...

We've all heard that the essence of marketing is to find a need and fill it. Well, unless you have deep pockets or know exactly what the world needs, your marketing efforts will yield a better response if you follow this formula instead: Find a want and fill it.
Most of us have enough food, shelter, clothing, and transportation-we don't need much more. But we want more. We need food, but we want fast foods, diet foods, or gourmet foods. Most of us don't need a 2 1/2-bath home or expensive designer clothes, but we want them. We may need a car, but we want a Lexus or a BMW.

TORNADOES AND THUNDERSTORMS by Douglas Henderson Tornadoes are spawned from powerful thunderstorms that often precede an advancing cold front. They exist in other areas of the world but are mos...