Search CompleteMarkets

... x No Thanks Loading.. About Sly Bail Bonds 12/5 /2016 by Sly Bail Bonds This content has not been rated yet. At Sly Bail Bonds, we know that arrests may occur at virtually anytime, that's why we offer a no-wait, immediate prompt service 24/7 /365. We offer bail bonds as low as 4% down with financing available! Sly Bail Bonds never closes, so no matter what time of the day or night we will always give our customers a speedy response to their calls and inquiries. We offer competitive rates with as low as 4 % down and take all forms of payment; VISA, MasterCard, AMEX, Discover, Cash, Check, Money Order.With over 50 plus years of combined experience you can be assured to work with the best bail bondsman in your area who have the knowledge, compassion, timeliness, and discreetness you will appreciate. If you are looking for a reputable and dependable bail bondsman, call Sly Bail Bonds. We have bail bondsman serving your local area who are available 24 hours, 365 days a year to assist you and your loved ones during this stressful time. Our goal is to make the bail bond process as hassle-free as possible during what may be a difficult time for your loved ones. We at Sly Bail Bonds Ohio are committed to delivering excellent service. Give Sly Bail Bonds a call if you are searching for a discreet, professional and compassionate local bail bondsman. We can come to you at your home, office, local court or jail as well as meet in one ...

... of each. The NASD also supplies a list of reference materials. Applicants can continue taking the exams until they pass them. An applicant who fails the exams can immediately apply to take the tests again. There are no training requirements for taking the exams and receiving a license. While no specific training is required to take the exams, agents should certainly be reading and taking courses on investments and financial planning in order to best serve their clients. Agents would also be well-advised to check their Errors & Omissions coverage before embarking on any such venture. THE PRODUCT Just as there are a multitude of investment opportunities, so are there a wide variety of mutual funds. While a particular organization may offer dozens of mutual funds, there are basically four different types: money-market funds, stock funds, bond funds, and specialty funds. These categories offer investment opportunities designed to meet the goals of virtually every investor, from the most aggressive to the most conservative. When looking at these types of mutual funds, it is important to recognize that many are difficult to classify. There is no sharp delineation between some types of funds. Within the category of stock mutual funds, there are additional distinctions, such as the difference between growth and aggressive-growth funds. Practically speaking, the portfolios of these funds may be quite similar. The managers of both funds seek stocks that will appreciate in value. In searching for long-term capital growth, there might not be a distinct difference between the funds. Even the services that monitor mutual funds find it difficult to classify them. One particular fund may be labeled ...

...t you know your agency's level of bonding authority and their proper procedure...requested bonds are in excess of its bonding limits. This article originall...

... x No Thanks Loading.. Bond With Shared Pain 4/30/2013 by Jack Burke This content has not been rated yet. We all tend to come together in times of trouble; and this is definitely a troublesome time for most businesses. When you share your pain, your clients will identify, and bond, more closely with you. In this document, Jack Burke urges you to work together with your clients from both an empathetic and a sympathetic position. Since the advent of the hard market, I've sometimes stated that the biggest job an insurance agent has today might be not to let their customers know how much they're enjoying the increased revenue from skyrocketing premiums. This is usually a tongue-in-cheek comment, but there's a certain amount of truth in it. A hard market does increase an agency's earnings, which is all fine and good in a solid economic environment. That's not the case today, as we watch our economy dangle precariously on the edge of recession. Although we might be enjoying the hard market, many of our clients are struggling to survive. A large regional stockbrokerage with a very successful history is losing money every day. Many traders and back-office employees have been laid off. Every manager is being told to find a new expense to cut every day — no matter how large or small it might be. A family-owned Los Angeles clothing manufacturer has grown profitably for four decades and now finds itself on the edge of collapse. The company is laying off 30-year employees; others have seen their work week shrink to three or four days. Those are just ...

...your business is protected. Your bonding needs are unique. How much does a co...ly way to determine this is to allow bonding experts to take a look at your in...

... important. Any recent change in ownership should be carefully weighed. Examine the recent direction of insurer investments, loans, transfers, and so on. Healthy Growth: Level or falling sales are rarely healthy, but sales must not exceed company's capacity to meet surplus strain, either. Net profits and capital raised should be able to cover surplus strain from new business. Capital Raising Ability: Does the company have the ability to raise additional capital to fund growth or meet contingencies? Accurate Matching of Assets and Liabilities: The investments made by the carriers you choose should correspond to the length of time the average client invests in the product. Investments in common stock or other non-fixed income investments is a major mismatching (in most cases) of Single-Premium Whole Life liability with the assets backing it. Longer-term bonds have substantial interest rate risk. A rising interest rate environment is especially dangerous to long-duration bond portfolios because depressed bond values make the bonds very illiquid just at the time when cash outflows may be highest. Investment Guidelines: It's up to you to judge the viability of a company's investment philosophy as defined in its investment guidelines. Consider risk in the light of available margins to meet contingencies. Forward Commitments: Companies with large forward commitments in a rising interest rate market can experience severe problems. Separate or Segregated Custodial Accounts for Single-Premium Funds: This is a plus in asset/liability matching and in monitoring investment results. Independent Investment Advisers: Outside expertise may be a plus, especially for companies in which size does not justify a well-staffed, highly professional investment department. Other Business Lines: Avoid ...

... x No Thanks Loading.. Solidifying The Bond With Your Customer 4/30/2013 by Jack Burke This content has not been rated yet. Very few people will recognize the name Hikari, unless they're in the beauty salon industry. Hikari is a scissors manufacturer and distributor. Not just any type of scissors, but very expensive scissors used by hair stylists. A small, five-inch pair of scissors might sell for $400, and more expensive models approach $1 ,000. Considering that the average hair stylist grosses about $30,000 to 35,000, this is a market in which the buyers spend 1% to 2% of their gross earnings for two pieces of metal connected with a screw and washer. You might think that it's a pretty tough market, but the U.S. distributor sells about a thousand pairs per month with a total employee of five. The intriguing thing is that Hikari has never purchased any advertising! They have built their business with seminars and other informational tools that (1 ) help stylists to perform their jobs better and (2 ) help their distributors to be more professional within the salon industry (which benefits all the manufacturers they may represent) . In both cases, the middle-man distributors and the actual hair stylists, Hikari utilizes audiocassette programming and live seminars to carry their message. So although insurance and scissors may be miles apart in product, they're remarkably close when it comes to innovative marketing. Let's first look at the programs for the end user: the hair stylist. Continual research has identified several problems affecting this group. ...

... of these women really likes the other. However, after sharing some confidences and realizing some common aspects to their lives, they're able to get along and work well together. This story illustrates a basic fact: The more we get to know each other, the easier it is to maintain a relationship. Notice that I said "we" and "each other." It's a two way street. Many businesses concentrate on gathering information about their customers — believing that the more they know about them, the better they'll do. That's only half-true. The other side of the equation is the need to let your customers get to know you — which, in turn, means that you need to get to know your employees. The more opportunities to discern commonality, the greater the potential bond. This isn't as easy as it might appear. We tend, through public relations, advertising, etc., to portray our businesses as perfect. If that's the only image our client receives, we might be in trouble on a couple of fronts. First, how many of us really enjoy spending time with a "perfect" friend? Second, perfection can raise unbelievably high levels of expectation. About 20 years ago, at a time when I believed that image was everything, my friend Doug and I were returning from dinner when he said, "Jack, I can't hang around with you anymore. Your life is perfect and that makes me feel inferior." I was stunned. Yet, in hindsight, I now understand what he was saying. I never shared ...

... 160 (iv) Employee Automobile. Employee shall, at his or her own cost and expense, procure an automobile for use in traveling about his or her designated territory and making calls on customers and prospective customers. Employee shall further procure and maintain in force an Automobile Liability insurance policy covering such automobile in the minimum amounts of $250,000 for bodily injury or death to one person in one accident, $500,000 for bodily injury or death in one accident, and $100,000 for property damage in one accident, and Employee shall deliver to Employer a true copy of such Automobile Liability insurance policy. Employee agrees to indemnify and hold Employer harmless from any claims arising out of the operation of such automobile by Employee. &# 160 (v ) Qualification for Surety Bond. Employee agrees that he or she will furnish all information and take any other steps necessary to enable Employer to obtain a Fidelity bond conditioned on the rendering of a true account by Employee of all moneys, goods, or other property which may come into the custody, charge, or possession of Employee during the term of his or her employment. The surety company issuing the bond and the amount of the bond must be acceptable to Employer at the sole discretion of Employer. All premiums on the bond are to be paid by Employer. Failure by Employee to qualify for such bond within sixty (60) days from the date of this Agreement will result in immediate termination of the Employment Contract. &# 160 3. Compensation. &# 160 (i ) Employer shall pay to ...

... than anyone gives them credit for. CSRs are underpaid and under appreciated. Here are some possible scenarios in which an E&O claim can result because the CSR errs because an agent or producer doesn't advise them completely of details pertinent to the file: A producer asks a CSR to write coverage on an account. Unfortunately, the producer never informs the CSR that a lease agreement requires the account (a tenant) to buy coverage protecting their landlord. A producer tells a CSR to issue a Certificate of Insurance to a Commercial customer. The CSR must release the certificate without the agent or producer ever reviewing the document for accuracy. If the Certificate isn't accurate and a loss occurs, the client might allege that they relied on the certificate as proof of coverage. A Commercial account needs a bond with a higher limit than the agency is authorized to write. With no producer to discuss this with, the CSR issues multiple bonds to equal the limit, only to find out that the bond company doesn't allow this. The contractor loses a job when the bond is thrown out. The contractor files suit against the agency for loss of business income. A cancelled account calls a CSR to say they need a Certificate of Insurance. The CSR issues the certificate, only to find out that the account misled them. Unfortunately, with a newly issued certificate, the account believes they have proof of insurance. They might be right! How do we correct this? One approach is to take the CSR on calls on Commercial clients. The CSR will see the actual premises and meet the ...