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Churches - "Not A Typical Business"
Dear (...me), we specialize in insurance for churches. We know about the risk you face ...

... you need for next to nothing in cost. Sliding Scale Also, some therapists work on a sliding scale. This means that you pay what you can afford. If you don't make that much money, you don't pay much, and vice versa. This can help everyone get a fair shake at mental healthcare, which is a win for everyone. Talk to your therapists and see if there are any sliding scale payment options for you. Look to Your Community Healthcare Providers Some public healthcare options in your community are cheap and can get you the mental healthcare you need. The problem with these, however, is that they are overbooked and the quality may be less than you expected. However, some communities have quality healthcare providers that don't take any time to book. Look to Your Church If you're religious, there may be religious mental healthcare options available. Even if you aren't, a church may still be able to offer you advice and not proselytize while doing so. Many people turn to their pastors, so it may be worth it to try one out and see if it's right for you. School Counselors If you have a kid, their school has a counselor they can talk to if they need help with any mental healthcare problems or just if they want to speak about their problems. By the way, if you need ideas for children's gifts, visit this website for more information . If you're in college, these options are still available for you as well. You should take advantage of them, as college is rough. Online Options Turning to the Internet ...

... succeed by offering his competitor's customers significantly lower prices to break their contracts and that meant getting into real estate. Since the main cost of storing records in New York City (where he located his operations) is storage space, Brodsky needed to use real estate more efficiently. Because space is leased on a square footage basis regardless of the ceiling height, by leasing only buildings with tall ceilings his company was able to acquire more storage space for minimal additional cost and pass the savings along to his competitor's customers. The key was finding the right buildings, which put Brodsky in the real estate business. At a Small Business Administration seminar a few years back, I met a minister who had concluded that his business was not just saving souls, but entertaining minds by drawing more people to his church. His goal was the creation of a marketing plan to convince people that attending his church would be more beneficial and enjoyable for their eyes, ears, bodies and souls than channel surfing, watching Sunday sports (especially football and NASCAR), fishing, golf, and a wide variety of other weekend activities. What business are you in? As these examples show, the answer might be far from obvious. If you believe that you're selling insurance, ' prepare your agency for a slow demise. Traditional P/C coverages are becoming less and less important by the day. According to some estimates, almost 50% of all Commercial P/C premium bypasses the traditional market, and conventional P/C products cover only 2% of corporate risks. In the past, every ...

... members of their fraternity — the CPAs — are moving lawyers, used car salesmen, and insurance people out of society's prestige dungeon. Some now perceive them as umpires who sold out. Enron, Arthur Andersen, World Com, Global Crossing, etc. are daily fodder for the talking heads on TV. How could they? The vast majority of their employees and stockholders perceived that their companies valued creativity, conscientious effort, capitalism, community, and competition. The disconnect' was that the boards, leadership, and watchdogs (Arthur Andersen) knew that the real values were profit and perks at any price! This wasn't about fraud; it was about a misunderstanding of corporate values. After all, there's no right or wrong. When you work to build a family, a business, a church, or an organization, it's essential to understand that values are the foundation of the entity. Make sure that everyone understands these values and agrees to abide by them. If you and the values don't match up — leave. If someone else in the system can't live according to these values, invite them to leave. Without congruence in values, social institutions can't develop to their maximum potential and in all likelihood will self-destruct. Unmatched values are a lie. Think back to a recent Super Bowl and the riot that followed at the home city of the winner. Both events (the game and the riot) can be defined as violent, high intensity, dangerous, adrenaline driven, and emotional. The only difference was that the game had boundaries, rules, regulations, and a ...

... course, there's that legendary family in the obscure community of Coudersport, Pennsylvania that took care of the town while looting Adelphia, the company they founded, and turning it into a piggy bank' for their personal pleasure. What's it all mean? Frankly, the millions of words in print and on the air make for good entertainment but little enlightenment. And the abundant, yet preposterous and self-serving, political posturing only adds to the din. When it comes to identifying the basic problem, the widely touted sins of greed, immorality, and defective character are irrelevant. Whether it's Arthur Andersen or WorldCom, there's little or no indication that the perpetrators of dishonesty are bad people. Quite the contrary, many are the portrait of what we consider the good American. Devoted to their families, they attend church regularly and give their time to civic concerns. The founder of Adelphia was generous to a fault, helping employees and those in the community who had a financial need. Yet, he and his family members looted the company of hundreds of millions of dollars. THE DISLOYALTY DEED The problem isn't bad, dishonest, or greedy people. It's not about putting the brakes on acquisitiveness or isolating some defective moral gene. The bedrock issue is totally different: All of these executives exhibited a total disregard for their companies. No matter what position of responsibility they held, their actions were identical: they were disloyal to their employers. It's striking that in many cases it was the founders of these corporations who did the most damage. They willfully destroyed what they created. If those who perpetrated such ...

...eb is the equivalent of medieval churches whose righteousness could not be cha...

... ) optionally, being paid a finder's fee for resulting sales. The lead forms come in pads or sets, color-coded to separate Personal Lines leads from Commercial leads. We suggest white for Personal, blue for Commercial. PERSONAL LINES LEAD FORM Client Name ____ Address ____ Phone: Home ____ Business ____ 1. AUTO [ ] additional [ ] new [ ] eliminate child as driver on account of marriage 2. BOAT [ ] Accident coverage 3. HOMEOWNER [ ] mortgage [ ] building addition [ ] additional location [ ] selling house 4. FAMILY [ ] parent or relative recently deceased [ ] parent or relative recently hospitalized [ ] new job [ ] new baby or [ ] grandchild [ ] any marriage or [ ] remarriage [ ] divorce [ ] active in charity, church, etc. 5. VACATION [ ] estimated departure date ____ 6. CLAIMS Auto [ ] Bodily Injury [ ] Property Damage [ ] Liability-non-Auto [ ] Accident- (non-Auto), first party [ ] Fire, extended coverage [ ] Crime [ ] Hospital 7. [ ] TOTAL PREMIUM MORE THAN $2 ,500 per year 8. [ ] TAX BRACKET 28% 9. [ ] INSURABILITY PROBLEMS [ ] uninsurable or rated in Life, Health [ ] has a health problem [ ] insureds [ ] in family 10. OUT-OF-DATE POLICIES [ ] has Life policies five years or older [ ] has Accident and Sickness policies five years or older [ ] has Medical Expense policies five years or older 11. OTHER: ____ COMMENTS: DATE: ____ Lead Originator: ...

... breathing with a partner as a path to unity of the mind and spirit. IT'S MUSIC TO MY EARS Think of aural communication in terms of music. Notes are identified by the way they're written on the musical score - which specific note, the length of time it's to be sounded, and whether it's to receive extra stress. The next time you're in a conversation, try to envision your companion's speech like a musical score. Does their voice go up and down a lot (pitch)? Do they talk slowly (rhythm and speed)? Where are the accent marks? The reason for making this mental picture is simple. If you could see the score' of the other person's speech, you'd know how to match them and increase your rapport. It's just like singing in church - seeing the music written in the hymnal minimizes the possibility that you'll sing solo at the wrong time. MATCHING AURALLY How can you can match someone aurally? Match the speed at which they speak. If they talk fast, you talk fast. If they talk slowly, you talk slowly. Their voice will probably rise and fall as they talk, so listen - and match. Match their tone - whether they sound happy, sad, angry, hesitant - and their volume. You might wonder whether this really make a difference. Well, decide for yourself. What do people from up North who talk reallyreallyfast think about Southerners who speak v-e-r-y-s-l-o-w-l-y? Most people will tell you they find it very irritating. They think the Southerner is dim-witted. And that works both ways - those ...

...nts with similar concerns - say, churches or dry cleaners - conduct a short, e...

...cess inventory to local schools, churches, etc. Offer employees sabbatical...