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... put a little extra cash in your pocket. However, when something goes wrong for your renters, this can cause major stress for homeowners. If a toilet overflows causing flooding or heaven forbid, your renters cause damage to your property it can be a logistical nightmare for the homeowner. What is the second homeowner to do? Does your personal homeowner's insurance cover these damages? Should you go through your rental websites such as Airbnb or VRBO? These issues can cause a lot of stress for landlords. Many times second homeowners may live far away or even in a different state. Welcome to the what if's of managing a home through the online vacation rental marketplace. When renting out a cabin, you do have insurance options.So many families buy second homes in ski towns like Big Bear Lake, California with the hope of renting them out. Popular online vacation rental companies like Airbnb can make the rental process easy. It may sound like a simple way to produce some extra income. When purchasing that ski cabin amidst the pines of the San Bernardino Mountains many homeowners don't think about what kind of insurance do you need for your short-term rental property? Many second homeowners may not even be aware that companies like Airbnb and HomeAway offer their own insurance policies. Airbnb's Host Protection is here to help I decided to rent out my home through Airbnb a few years back. After months of successfully profiting off of my vacant second home, I had no idea what to do when a guest purposely damaged my home. Should I use my personal homeowner's insurance? Should I contact Airbnb and ...

... Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Personal Planning For Success 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Mary Beth Bolen This content has not been rated yet. Here's a short quiz. Answer True or False: 1. Success is only for the educated or favored; it is discriminatory. 2. Success doesn't occur until you reach long-term goals. 3. Big money plus big house plus perfect children equals success. 4. Successful people are never wrong. 5. To be successful at work, you must prove yourself indispensable. 6. Success is elusive-it's always just over the next hill. According to Linda Galindo, vice president, Innovations Consulting, a Salt Lake City, UT human resource development company, all of the above statements are false assumptions about success, assumptions that ultimately lead to burn-out, discontent, and disappointment. Galindo says many people believe success comes when they achieve their long-term goals, or when they gain a lot of money, power, or recognition. They aren't satisfied until they've reached their goals, and if and when they finally do, it's not enough. They immediately turn around and set another one. They never feel successful in the moment-it's always down the road somewhere. SUCCESS DEFINED Galindo submits this definition of success: Success is in the moment. It is getting up every morning and working toward the long- and short-term goals I've set for myself. It's producing on a daily basis what I've designed for myself. Success ...

... x No Thanks Loading.. Personal Planning For Success 4/30/2013 by CompleteMarkets Editor , Mary Beth Bolen This content has not been rated yet. Here's a short quiz. Answer True or False: 1. Success is only for the educated or favored; it is discriminatory. 2. Success doesn't occur until you reach long-term goals. 3. Big money plus big house plus perfect children equals success. 4. Successful people are never wrong. 5. To be successful at work, you must prove yourself indispensable. 6. Success is elusive-it's always just over the next hill. According to Linda Galindo, vice president, Innovations Consulting, a Salt Lake City, UT human resource development company, all of the above statements are false assumptions about success, assumptions that ultimately lead to burn-out, discontent, and disappointment. Galindo says many people believe success comes when they achieve their long-term goals, or when they gain a lot of money, power, or recognition. They aren't satisfied until they've reached their goals, and if and when they finally do, it's not enough. They immediately turn around and set another one. They never feel successful in the moment-it's always down the road somewhere. SUCCESS DEFINED Galindo submits this definition of success: Success is in the moment. It is getting up every morning and working toward the long- and short-term goals I've set for myself. It's producing on a daily basis what I've designed for myself. Success is a personal issue. It's counterproductive to compare yourself to another to determine how you're doing. Also, don't allow someone else's ...

... campfire: In the warmth of the glow, one can scarcely remember gathering the wood. STATE INSURANCE DEPARTMENT DIRECTORY Alabama, 135 S. Union St., Montgomery, AL 36130, (205) 269-3570 Alaska, P.O. Box 110805, Juneau, AK 99811, (907) 465-2515 Arizona, 2910 N. 44th St., #210 Phoenix, AZ 85018, (602) 912-8466 Arkansas, 1123 University Ave., #400 Little Rock, AR 72204, (501) 686-2900 California, 700 L St., 4th Floor, Sacramento, CA 95814, (916) 322-3555 Colorado, 1560 Broadway, #850, Denver, CO 80202, (303) 894-7499 Connecticut, P.O. Box 816, Hartford, CT 06142, (203) 297-3800 Delaware, 841 Silver Lake Blvd., Dover, DE 19901, (302) 739-4251 Dist of Columbia, P.O. Box 37200, Washington, DC 20013, (202) 727-7940 Florida, 200 E. Gaines St., Tallahassee, FL 32399, (904) 922-3137 Georgia, 2 Martin Luther King Dr., Atlanta, GA 30334, (404) 656-2100 Hawaii, P.O. Box 3614, Honolulu, HI 96811, (808) 586-2780 Idaho, 500 S. 10th St., Boise, ID 83720, (208) 334-2250 Illinois, 320 W. Washington St., Springfield, IL 62767, (217) 782-4515 Indiana, 311 W. Washington St., #300 Indianapolis, IN 46204, (317) 232-2389 Iowa, Lucas State Office Bldg., Des Moines, ...

... 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 our convenient office locations near you! We have local bail bondsman in the following cities servicing all counties in Ohio. Toll Free Bail Bonds in Ohio at:888-759-8669 Local Ohio Bail Bonds Offices Akron 330-794-6555 Summit and Portage Counties Ashland 419-544-2245 Ashland and Wayne Counties Cambridge 740-673-0065 Belmont, Coshocton, Morgan, Muskingum and Tuscarawas Counties Canfield 330-904-3061 Mahoning, Trumbull and Columbiana Counties Canton 330-453-2228 Stark County Carrollton 330-853-2663 Carroll County Chillicothe 740-773-8800 Ross, Pickaway, Fairfield, Perry, Pike, Hocking Counties Cleveland 216-348-0200 Ashtabula, Cuyahoga, Geauga, and Lake Counties Columbus 614-464-9000 Franklin County Dayton 937-223-2007 Montgomery, Butler, Clark, Darke, Greene, Miami, Preble and Warren Counties Lisbon 330-853-2663 Columbiana and Carroll Counties Logan 740-603-6763 Logan, Hocking, Vinton, Fairfield, Pickaway, Licking Counties Lorain 440-244-2400 Erie, Huron, Lorain and Seneca Counties Mansfield 419-522-9990 Crawford, Knox, Marion, Morrow and Richland Counties Marietta 740-629-1010 Washington, Monroe, Morgan Athens and Meigs Counties Medina 330-485-6428 Medina County Ravenna 330-732-7000 Portage County Steubenville 740-283-2245 Jefferson and Harrison County Toledo 419-917-2806 Defiance, Fulton, Henry, Lucas, Ottowa, Putnam, Sandusky, Seneca, Williams and Wood Counties.Wooster 330-794-6555 Wayne and Medina Counties Youngstown 330-550-9111 Mahoning, Ashtabula, Geauga and Trumbull Counties About Sly Bail Bonds and office locations. Login or Register (for FREE) to gain access to thousands ...

... group in which you feel comfortable enough to get actively involved. You believe you bring value to people in your network. Making network groups valuable is a self-promotion job. You can also use articles and speeches to promote yourself. ARTICLES AND SPEECHES Masters of self-promotion are always finding ways to get their face and picture in front of people. Remember, it's not just who you know, but who knows you! You can incorporate the following strategy when you want to expand your circle of influence. There are five steps to self-promote with articles and speeches. Employ each of these suggestions, and watch your notoriety, credibility, and who knows you' take off. List the unique problems that people in your target market don't know about or might not often consider. Perhaps it's Liability coverage on lake houses or higher limits on Auto coverage. Whatever it is, make sure it's unique and that it's something that will cause pain. Write your article or outline your speech. List publications that would publish your article, such as association newsletters, business journals, local newspapers, and industry magazines. Submit your article, and follow up. A follow-up call is just like a sales call. Ask them if they're interested in publishing your article. Ordinarily, you'll get a quick yes or no. For your speech, develop a brief biography to develop credibility. Submit the bio and speech outline to the types of organizations that you'd like to address. Record your speech — you can use a small, hand-held tape recorder. After your article has been published, take it to a quick-printing ...

... that no longer fit. Most people can quickly identify where and how they fit, others will leave because they don't fit (or feel they won't), and still others will realize the need to reshape themselves for the future. This kind of process is the fairest to employees - it provides full disclosure and full opportunity. Plan your the new system before the merger, not after. If you wait, it'll be like building your puzzle on a roller coaster. You'll be riding in a two-headed car that's out of control! Don't try to build the organization of the future from the center out, one piece at a time. Instead, start with the finished picture and the border, then fill in the blanks. Michael Manes can be reached at Square One Consulting, 8674 Quarters Lake Rd., Suite 10, Baton Rouge, LA 70809, (225) 922-9138, fax (225) 922-9106, e-mail [email protected] , Web site www.squareoneconsulting.com . Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and ...

... Track results by month and by producer or CSR on a large chart for all to see, says agency consultant Virginia Bates. "This builds a good-natured rivalry and takes it out into the open so it becomes a non-secretive, pride-on-the-line issue," she advises. Have monthly or weekly meetings, even if they involve only a couple of people, to build morale among the troops. Activity levels for producers and CSRs should be communicated clearly and monitored frequently. 5. THINK NEW BUSINESS Don't hang out a shingle and wait for the business to come in the door. Why? Because the clients who come in will be those rejected elsewhere and might not be what your companies want to write. "That is what has killed the independent agent," says David Platt of Platt-Leavitt in Salt Lake City . "You get adversely selected against." John Timm, president of Timmco/Wagner Insurance, Portland, OR , says that agents must continuously approach current customers and newcomers. The goal: 40 new accounts per month. "Our constant marketing puts us in a sales mode," he says. "We think sales." "There's just as much profit to be made in Personal Lines as in Commercial Lines," says Tom Crawford, former president and CEO of Southern Heritage, an Atlanta-based Personal Lines company for packaged Homeowners and Auto policies. "But agents have to start marketing again." "When was the last time you got a call from an independent agent?" he asks. "You get them all the time from direct writers." 6 ...

... an insurance policy? What features make one policy better than another? Do these features increase pleasure or decrease pain? What aspects of your job make it so attractive - income potential, security, benefits, independence? Why do you want these things? Do you prefer to be around dreamers who'll take on the world or practical people who always have an alternative in case things get screwed up? Suppose someone bets you $100 they can guess your age. Do you take the bet to get an easy $100, or do you say no way' because there are many ways they could have already found out your age? If you want security in insurance policies and your job, prefer practical people, and would tell someone who bet they could guess your age to jump in a lake, you may be primarily motivated by moving away from pain. If you see insurance as an investment, need the income potential from your job to keep you motivated, prefer to be around dreamers, and would take the bet, you're probably motivated more by moving toward pleasure. Knowing these things about yourself helps you in two ways: If you understand your motivation and can discern other people's, you'll be better able to maintain rapport. You'll be able to adjust your goals by setting them in terms of avoiding pain or seeking pleasure. EXERCISE Ask two people to answer the questions listed above to learn whether they move toward pleasure or away from pain. Randy M. Schwantz has specialized in coaching Commercial insurance producers since 1991. He can be reached at the Wedge Group, 1408 Hickory ...

... , I occasionally played golf on a competitive basis. I was decent, but never really great. I always liked the quote from the immortal Bobby Jones, "Competitive golf is played mainly on a five-and-a-half-inch course, the space between your ears." Chi Chi Rodriguez once said, "Golf is a thinking man's game. You can have all the shots in the bag, but if you don't know what to do with them, you've got troubles." It's the same with Consultative Brokerage. It's all in how you approach each encounter with a client that determines your success. I'm drawn to a number of the analogies between successful Consultative Brokerage and a satisfactory round of golf. Here are some of the highlights: Keep your mind calm. Jack Nicklaus used to visualize a clear placid lake before every shot. You need to do the same during the chase of a deal. There are many emotions that will arise over the course of working on an account. These emotions can range from fear to greed, and yes, sometimes anger. To be successful, you can't let these emotions cloud your judgment. Visualize each shot. A successful golfer visualizes each shot prior to executing a swing. Before taking action, they see the outcome and focus on the right mechanics. This is the same as a Consultative Brokerage transaction. Visualize each outcome of a client interaction. Ask yourself before each call, "What is my goal during this meeting?" Never choose your club before seeing the lie. A golfer will often anticipate the next club selection while moving down the fairway ...