Search CompleteMarkets

... Half Baths (2 or less fixtures) ...

... injuries for which these types of treatment was provided are almost always recordable: Treatment of INFECTION Application of ANTISEPTICS during second or subsequent visit to medical personnel Treatment of SECOND- OR THIRD-DEGREE BURN(S ) Application of SUTURES (stitches) Application of BUTTERFLY ADHESIVE DRESSING(S ) or STERI-STRIP(S ) in lieu of sutures Removal of FOREIGN BODIES IMBEDDED IN EYE Removal of FOREIGN BODIES FROM WOUND- if procedure is complicated because of depth of embedment, size, or location Use of PRESCRIPTION MEDICATIONS (except a single dose administered on a first visit for minor injury or discomfort) Use of hot or cold COMPRESS(ES) during second or subsequent visit to medical personnel CUTTING AWAY OF DEAD SKIN (surgical debridement) Application of HEAT THERAPY during second or subsequent visit to medical personnel Use of WHIRLPOOL BATH THERAPY during second or subsequent visit to medical personnel POSITIVE X-RAY DIAGNOSIS (fractures, broken bones, etc.) ADMISSION TO A HOSPITAL or equivalent medical facility FOR TREATMENT Normally Not Recordable The following are generally considered first-aid treatment (that is, a one-time treatment of minor injuries and subsequent observation) and should not be recorded if the work-related injury does not involve loss of consciousness, restriction of work or motion, or transfer to another job: Application of ANTISEPTICS during first visit to medical personnel Treatment of FIRST DEGREE BURN(S ) Application of BANDAGE(S ) during any visit to medical personnel Use of ELASTIC BANDAGE(S ) during first visit to medical personnel Removal of FOREIGN BODIES NOT EMBEDDED IN EYE if only irrigation is required Removal of FOREIGN BODIES FROM WOUND- if procedure is UNCOMPLICATED ...

... Links Categories Popular Recent All Back Dwelling Replacement Cost Form 4/30/2013 10:38:09 PM by CompleteMarkets Editor This content has not been rated yet. DWELLING REPLACEMENT COST FORM &# 160 NAME: LOCATION ADDRESS: DATE: Table A Enter 1 for each unit (ie. three bedrooms=3 ) listed below: Living Room Unfinished Attic Bedrooms Unfinished Basement (see note below) Bathrooms (3 or more fixtures) Stone exterior Walls Kitchen Clay Tile or Slate Roof Dining Room Two-Car Attached or Built-in Garage Family or Recreation Room Three-Car Carport Den, Study, Office, or Misc. Rooms Den, Study, Office, or Misc. Rooms (Over 300 Sq. Ft.) Table B Enter 1 for each unit listed below: Dinette or Breakfast Nook Enclosed Porch Half Baths (2 or less fixtures) One-Car Attached or Built-in Garage Laundry Room with adjacent Half Bath One- or Two-Car Carport Brick Exterior Walls Large Rooms (200 to 300 Sq. Ft.) Central Air Conditioning Table C Enter 1 for each unit listed below: Foyer or Entrance Hall Large Deck (over 300 Sq. Ft.) Walk-in Closet or Dressing Room Concrete Tile Roof Work, Storage, or Laundry Room Fireplace Breezeway or Open Porch Additional Cars per Garage (over two) Note: For Finished & Partially Finished Basements: 1. Finished basements: count only the finished rooms. 2. Partially finished basements: if the total unit count of the finished area in the basement exceeds Additional Information: Year House Built Square Footage: Year of last updating on: Roof Wiring ...

... , a brand can fail for a variety of reasons. To say that branding is advertising is to equate New York City with the Empire State Building. MYTH #2 : BRANDING CAN'T CREATE LOYALTY According to Scott Bebury, "Branding is overrated. On average, U.S. corporations lose half of their customers every five years, half of their employees every four years, and half of their investors every year. This doesn't sound like a lot of loyalty to me." Although this might be true, it has nothing to do with branding. Even a great brand can fail if market conditions change suddenly. A poorly identified or poorly executed brand concept will cause consumers to defect. Defection doesn't mean that branding itself is bad. By blaming branding, we're throwing out the baby with the bath water. MYTH #3 : BRANDING CHANGES CONSUMER BEHAVIOR Most people believe that the brand itself drives consumer behavior. In fact, the opposite holds true: Knowledge of consumer behavior drives branding decisions. E-bay's auction concept stemmed from their realization that consumers love the excitement of auctions and wanted to buy used merchandise at a reasonable price in an easy-to-use format. MYTH #4 : FOCUSING ON PRICE IS INCOMPATIBLE WITH BRANDING There's a belief that a price-focused company ignores branding. This is nonsense. The meaning of many brands is built on such associations as "economical" or "low price" (think Sauve or Priceline.com) . MYTH #5 : THE FAILURE OF A BRAND MEANS THAT BRANDING DOESN'T WORK Sari Kalin writes that Pets.com's sock puppet, accompanied by millions of dollars in advertising, weren't enough ...

... , and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Catastrophe Preparedness Tips 4/30/2013 10:40:32 PM by CompleteMarkets Editor This content has not been rated yet. CATASTROPHE PREPAREDNESS TIPS In Case of Catastrophe, What Will You Drink? Such questions as: How much water will be needed? ' How long will stored water last? ' and Where can more water be found in case we run out? ' need answers before a catastrophe hits. Store a minimum of one-half gallon of water per person per day for drinking, and have at least a three-day supply. Don't forget additional water for pets and for brushing teeth, bathing, and dishwashing. It is also wise to consider storing water for a longer period in the event of a major catastrophe affecting water supplies. (Ask victims of Hurricane Andrew!) The good news is, there may be other sources of water in your home to obtain water. Here are a few ideas: Use water drained from the hot-water heater, if it is still upright. Turn off the electricity/gas and close the inlet water valve. Drain water into a container from the faucet at the bottom of the tank. Use water dipped from the flush tank of toilets (not the bowl), but purify it before drinking. Melt ice cubes. Use liquid from canned fruit or vegetables. Do not drink water that is used in a water bed because the plastic ...

... taken to a higher level. Historically, agents and companies have expected far too little from each other. We need to raise our sights. &# 160 Agents and companies can dramatically improve their operating efficiencies and become much more effective businesses and trading partners by developing new systems and procedures based on creative thought, progressive strategies, a willingness to step out of their comfort levels, and a willingness to improve communications in both frequency and substance. &# 160 It's well within the reach of insurance companies and agencies to increase their productivity and operating efficiencies by more than 50% in the next three to five years. This has to happen if both agencies and companies want to remain viable and achieve their individual objectives. &# 160 The answer is not to throw the baby out with the bath water. The agency distribution system has a lot more that's right about it than wrong. Belief in the system, though, should not suggest that we can ignore the problems, any more than recognition of the problems should lead us to abandon the system. We need honest and open dialogue. We need to recognize that the relationship between agents and companies is not based on competition. Individual success will come through collective success. &# 160 Clearly, what's needed is leadership-from the leading insurance companies and agencies-on issues such as how to improve operating efficiency and the effectiveness of the distribution system, and how to serve the consumer better. &# 160 The Best Practices Study, the Annual Best Practices Symposium, and the broad range of Best Practices initiatives, workshops, and programs can all ...

... month for retirement. At this point, it seems a long way off, but do not be deceived; it will be here sooner than you think. You might have heard about Long-Term Care insurance, but you probably dismissed it with questions such as "What is it?" or "Who needs it?" The answer is that you do, and so does everyone else. You might reply that you already have Health insurance. If you do, congratulations; it is hard to get in today's political climate. The problem with most health insurance is that it does not cover what are known as custodial expenses. These expenses arise from custodial care, which is defined as the care needed as a result of the inability to carry out tasks relating to the following daily activities: bathing, dressing, eating, continence, toileting and transferring. As people age, many of them find these basic tasks harder and harder to do without some form of help. The need for this type of care necessitates having Long-Term Care insurance, which can provide the monies necessary in order to hire and maintain the proper care needed. This is made even more necessary by the fact that people are living much longer, sometimes 20 or 30 years beyond retirement. Oddly, the fondest wish of these people is to remain independent. Fortunately, they can do so if they obtain Long-Term Care insurance. The best time to do this is when someone is in their mid-forties, because that time of life is when insurance companies offer the lowest rates and premiums for their policies. Children can also ...

... . You could even check your IRA or 401(k ) statement together. Your teens might not fully understand all the specifics right now, but these exercises could plant those first financial seeds. Make them work for it. If you want your little ones to blossom into true financial planning masterminds, make them work for their weekly allowance. Don't just hand over a wad of cash. If you set that precedent now, your kids will be in for a rude awakening when they enter the real world. So, if your son insists that he has to have that super-cool, high adrenaline Xbox game, don't hand it over immediately; make him work for it. Tell him if he really wants that game, he'd better get busy mowing the lawn, taking out the trash and bathing Fido. Although some parents are anti-allowance, many financial experts say that a weekly allowance is often a great learning tool. Your children will learn that they have to work to earn money, and then they will have the option to either spend or save that money in whatever way they choose. Before you agree on a weekly allowance, it's important to set some ground rules. Figure out which household chores your children will have to complete each week in order to receive their weekly pay. You can even help them set "financial goals" with their allowance. For example, if your daughter has been eyeing a pair of designer jeans, tell her that she could buy them if she saves up her allowance for a couple of months. This teaches her a valuable lesson about saving ...

... taken to a higher level. Historically, agents and companies have expected far too little from each other. We need to raise our sights. &# 160 Agents and companies can dramatically improve their operating efficiencies and become much more effective businesses and trading partners by developing new systems and procedures based on creative thought, progressive strategies, a willingness to step out of their comfort levels, and a willingness to improve communications in both frequency and substance. &# 160 It's well within the reach of insurance companies and agencies to increase their productivity and operating efficiencies by more than 50% in the next three to five years. This has to happen if both agencies and companies want to remain viable and achieve their individual objectives. &# 160 The answer is not to throw the baby out with the bath water. The agency distribution system has a lot more that's right about it than wrong. Belief in the system, though, should not suggest that we can ignore the problems, any more than recognition of the problems should lead us to abandon the system. We need honest and open dialogue. We need to recognize that the relationship between agents and companies is not based on competition. Individual success will come through collective success. &# 160 Clearly, what's needed is leadership-from the leading insurance companies and agencies-on issues such as how to improve operating efficiency and the effectiveness of the distribution system, and how to serve the consumer better. &# 160 The Best Practices Study, the Annual Best Practices Symposium, and the broad range of Best Practices initiatives, workshops, and programs can all ...

... x No Thanks Loading.. Cause-Related Marketing: Bolster Your Image 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. CAUSE-RELATED MARKETING: BOLSTER YOUR IMAGE BOLSTER IMAGE WITH PROSPECTS AND CUSTOMERS Pepsi Cola spends millions of dollars on television advertising to burn that image into the minds of soda-drinking consumers. Of course, there is no real link between a pop superstar and the soda pop. But Pepsi, like many other advertisers, has bathed its product in the reflected light of its star spokespeople. You can create similar equations in the minds of prospects and clients by linking your agency's name to a good cause. Cause-related marketing is good citizenship and good business. Consumers are growing increasingly tired of hype and hard sell. We are all exposed to an enormous number of advertising messages every day. To keep our sanity, we have to tune out 99% of them. Most advertisements and direct mail tout a better price or superior service. Obviously, not everyone can have the best price or service, so consumers have learned to ignore these claims. A different, fresh approach has a better chance of catching your audience's attention. Attaching your agency or company to a good cause can do just that. This strategy can also begin to make a dent in rehabilitating our industry's battered image. Innovative marketers in other industries have used cause-related marketing successfully. Their stories provide some valuable lessons for insurance marketers. The Body Shop A cosmetic store that doesn't advertise or use fancy packaging sounds as if it would be doomed to failure. Yet The Body Shop, based in , ...