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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 ...

... 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, ...

... 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 ...

... 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 ...

... idea applies to decision making. I might be willing to buy a Mercedes, but my wife might not be. Without her approval, I'm not willing to make a deal. So, as a Mercedes salesperson, you've got to involve both of us in the commitment and presentation. THE MONEY QUESTION There are generally two ways to look at the money question. Either a problem is costing the prospect so much that they must make a change, or they have some idea of what they're willing to spend to fix the problem. This distinction is important. Let's take an example of spending money to fix a problem. People who usually move toward pleasure are most likely to reason this way when deciding on a new program. Salesperson: Suppose I could increase your liability coverage and include your lake house on the policy. Would that be worth $200 to $500? Prospect: It may be. What kind of increase can I get? Salesperson: We can move your limits up to $1 million with an Umbrella policy. Prospect: That would make me more comfortable. Salesperson: If I could get your limits that high for between $200 and $500, would the money be a problem for you? Prospect: Oh, no. The prospect just agreed to spend between $200 and $500 to fix his problem. If you can come back with a quote in that range, your sale is half done. WHAT'S THE COST? The other way to qualify for money is to ask, What's this problem costing you? Would you be willing to ...

... x No Thanks Loading.. Please Don't Hang Up 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. PLEASE DON'T HANG UP' Have you ever heard of a business sales letter beginning with the words, Please don't hang up'? Use anything to get the customer into the letter and keep him or her reading. This letter was used by Robert Bauman, Thunderbird Insurance Agency, Crystal Lake, IL, as a softener' prior to the telemarketing follow-up. The headline on the right-hand side of the cover letter is also helpful. Telling what is in the letter lets potential clients make a decision immediately as to whether they want to read the letter. Who could resist the teaser, Responsible businesses deserve lower insurance rates? ' The reader is hooked. &# 160 RESPONSIBLE BUSINESSES DESERVE LOWER INSURANCE RATES Please don't hang up. If we called you on the phone today and said we wanted to talk about a special insurance policy designed for businesses like yours, you might find a way to say, Not now, I'm busy, ' or, No thanks, I've got all the insurance I need. We appreciate that you're a busy person and have insurance on your business. But please don't hang up' on this letter. We feel you should know about the Business Owners policy, a simplified, easy-to-understand package designed specially for businesses of your size. It's a value-packed policy. It provides basic Business Property and Business Liability protection, plus important extra coverages such as: Loss of Income, Peak Season, Product Liability, and Public Liability coverage ...

... , 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 ...

... effective steps to protect this information from misappropriation. Consult with an attorney who is well versed in matters of confidentiality, non-disclosure, and employment practices to assist you in devising and implementing an information protection program. Should you encounter a breach, or threatened breach, act expeditiously to retain competent counsel to take immediate action to protect your competitive advantage. A trade secret, once lost, is gone forever. Roy Phillips, CPIA, CIC, can be reached at Dan R. King & Associates, 9494 Southwest Freeway, Suite 310, Houston, TX 77074; (713) 667-0333, ext. 22; (800) 275-0753, toll free; e-mail: [email protected] ; Web site: www.kingphillips.com . Thomas Braniff, JD, is president of Texas Insurance Consulting, 8980 Lakes at 610 Drive, Suite 100, Houston, TX 77054; 713) 664-6424; e-mail: [email protected] , Web site www.texins.net . 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 content that you can use for ...

... throughout the process. If one side has too many attorneys, advisors, and questions, it may be a sign of trouble. The final test may be simply - do you trust each other enough to do this on a handshake? If yes, proceed - if no, consider your decision more carefully! What does your heart tell you? After your head has worked through the questions, if you're still starry-eyed, it might be the real thing. If you have sweaty palms, call an old flame and test yourself! Remember, till death do us part' is a long time. A good marriage never lasts long enough - life's too short. A bad marriage can't end soon enough - life's too long! Michael Manes can be reached at Square One Consulting, 8674 Quarters Lake Road, 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 content ...

... 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 ...