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... . Vein - continuous flow of blood, dark red in color c. Capillary - blood oozing from a wound First Aid Treatment Cover wound with the cleanest cloth immediately available or your bare hand and apply direct pressure on the wound. Most bleeding can be stopped this way. Elevate the arm or leg as you apply pressure, if there is no broken bone. Digital pressure at a pressure point is used if it is necessary to control bleeding from an arterial wound (bright red blood spurting from it) . Apply your fingers to the appropriate pressure point - a point where the main artery supplying the blood to the wound is located. Hold pressure point tightly for about 5 minutes or until bleeding stops. The three pressure points in the head and neck should only be used as a last resort if there is a skull fracture and direct pressure can't be used. If direct pressure can be used, it will stop bleeding on the head in about 95% of the injuries. A tourniquet should be applied to an arm or leg only as a last resort when all other methods fail. A tourniquet is applied between the wound and the point at which the limb is attached to the body, as close to the wound as possible but never over a wound or a fracture. Make sure it is applied tightly enough to stop bleeding completely. In the case of an improved tourniquet, the material should be wrapped twice around the extremity and halfknotted. Place a stick or similar object on the half knot and tie a full knot. Twist the stick to tighten the tourniquet only until ...

... ), morale was dropping to an all-time low. The spouses were extremely agitated over the increased travel time. Their complaints were taking a heavy toll of emotional stress on the sales personnel. So the problem was: How do you fix a personal family issue that involves non-employees, occurs mostly in the homes — not the worksite — and results from actions that are absolutely essential to corporate survival? THE EVALUATION The CEO of National Coach was a direct, head-on type of executive. His first reaction was to tell the salespeople to handle it with their spouses' (they had already been trying to do this with no success) .* * Note that the sales staff was involved in evaluating the problem. His second reaction was to bribe the spouses by holding the annual planning meeting at a resort and including spouses (the employees felt that this might help, but was only a band-aid that would soon fall off) . The CEO thought that he should address the issue during a speech where the wives would be present (everyone acknowledged that this might not be effective, as the spouses looked upon him and his Vice President of Sales as the enemy') . At this point, our company was called on to create a message that would assuage or defuse this spousal issue. THE SOLUTION The message, if it were to work, meant that the messenger had to be acceptable. I might also mention that the spouses were all of the traditional female variety. After much discussion of messengers, from therapists to male sex symbols, we decided on a popular children's toy: a ...

... ." It's not always easy, but it's always worth it. To learn how to be extraordinary, read this brilliant example of complaint recovery from a nightmarish situation. Club-Med-Cancun's vacationers were heading from New York to their Mexican destination. The flight took off six hours late, made two unexpected stops, and circled for 30 minutes before it could land. Because of the unexpected delays and mishaps, the plane was en route for 10 hours more than planned and ran out of food and drinks. The plane finally landed at 2:00 a.m., with a landing so rough that the oxygen masks dropped from their compartments and luggage fell from the overhead bins. A lawyer on board had already started to collect names for a class-action suit. Silvo de Bortoli, general manager of the Cancun Resort and a legend throughout the organization for his ability to delight clients, got word of the horrendous flight and immediately created an antidote. He took half the staff to the airport, where they laid out a table of snacks and drinks and set up a stereo system to play lively music. As the guests filed through the gate, they received a personal greeting, help with their bags, a sympathetic ear and a chauffeured ride to the resort. Waiting for them was a lavish banquet, complete with mariachi band and champagne. The staff had also rallied other guests to wait up and greet the newcomers, and the partying continued until dawn. Many guests said it was the most fun they had had since college. Now that's a recovery which, by the way, resulted in no ...

... x No Thanks Loading.. Do vacation rentals need special insurance coverage?11/9 /2021 by CompleteMarkets Editor This content has not been rated yet. As a short-term rental owner, is there insurance when a guest damages your home? Does your personal homeowner's insurance cover damages?A great way to generate some extra income is by owning a second home in a resort town and renting it out for additional income. This is a great way to 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 ...

... nine years; now they tell me it's going to be 14. This policy is obviously no good. Or, You're telling me I could've gotten the same coverage for $2 ,000 a year less? ' Let's examine the reality. CARRIER RATINGS Although a client's concern about their policy investment' is understandable after a carrier's recent rating drop, most clients would do better to wait and see. If the client — or agent — is concerned about the company's survival, borrow the available cash value and keep these funds until it becomes clear whether to stay or leave. If insurability is an issue, buy Term insurance from a strong carrier and convert the coverage later, if necessary. This option offers the policyholder some control over the situation rather than merely being a victim. The action of last resort is to replace the existing policy; this guarantees the payment of a second set of sales charges and the likely imposition of surrender costs from the first policy. Unknowing or unscrupulous agents prey on client concerns about ratings without offering them an expanded list of options that don't have to cost them money, which they'll probably never recover. Although some replacements are valid in the face of an obvious failure, I suspect most replacement activity is motivated by a concern for compensation rather than for the client's best interest. NEW GOODIES Nothing aggravates me more than buying a new gadget and then finding two weeks later that an improved version is on the market. I hate obsolescence. I hate over-paying for something. But Life insurance is different; there's a definite cost to the consumer for switching. Because our ...

... you offer. That's a marketing task. If there is a market, marketing identifies the customers, creates the message, and sets in motion a plan to elicit interest from the target constituencies. Now, sales is ready to go to work. MYTH #3 : MARKETING TAKES TOO LONG There's a second, often unspoken, part to the previous myth: "We need sales now." Marketing does not offer an instant answer or a miraculous cure-all for slumping sales. The best quick fix to increase sales is to offer generous incentives, give away big discounts, or simply slash prices. These are sales strategies that have nothing to do with marketing. Marketing takes time. But a carefully crafted and well-executed marketing plan produces continuing positive sales results over a long period, without having to resort to price cuts. Whether it's Wal-Mart or Tiffany's, Giorgio Armani or Office Depot, customers seek certain brands because of value, not just price. They'll get what they want for the money they spend. That's marketing. MYTH #4 : MARKETING IS JUST ANOTHER WORD FOR ADVERTISING If there were ever a common misconception about marketing, this is it. Marketing and advertising are often used interchangeably by those who sell and produce advertising. Depending on the goals of the marketing plan, advertising might be one component of an overall program that includes a variety of promotional and public relations activities. The full effect of marketing is achieved by using a number of tactics at the same time to create a cost-effective impact. MYTH #5 : WE DON'T NEED RESEARCH; WE KNOW OUR CUSTOMERS It's easy ...

... on behalf of the E&O carrier, with your interests playing a small role. Most attorneys know little about the insurance industry and agency practices. But they do know who is paying their bill — the E&O carrier — and they sometimes assume that what's good for the E&O carrier is good for you. You or your consultant will have a big job getting the attorney to understand your situation and become your advocate. After that, you'll be ready to tackle your defense and proceed in earnest with the discovery process. Your next step is to decide whether to take your chances in court or settle the case. Keep your options open and follow the direction of your attorney and your E&O carrier. In our legal system, a trial should be the last resort. The odds aren't good that you'll get an informed, objective jury. They're often made up of people who don't like insurance companies and don't differentiate between companies and agents. Even a trivial error in handling a client could balloon out of proportion during a trial. MEDIATION: THE PROS A trial is expensive and time consuming. Mediation, on the other hand, is a relatively risk-free way for attorneys to hear their opponents' general case strategy. If both sides come to an agreement, the agency avoids the stigma of a judgment, and the client gets some satisfaction. The incentive to mediate is greater when plaintiffs allege unfair trade practices and other Insurance Code violations. The client's attorney might be making these allegations only to force mediation. But that might not be a risk you want ...

... x No Thanks Loading.. Mortgage Redemption 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. MORTGAGE REDEMPTION Dear (Customer Name): We have been reviewing your records to be sure that you are adequately protected in all areas. We see that you have a mortgage on your home that will run ( ) more years with an outstanding balance of ( ) . Have you considered how ( ) would continue to make the mortgage payments should you die suddenly? Could ( )? Or would ( ) be forced to put your home up for sale - to drastically alter your family's lifestyle as a last resort? For just a few dollars - only (Dollar Amount) a month - you can protect your family against such a financial disaster. You can apply for a Mortgage Redemption policy - a decreasing Term policy, in which the amount of the coverage will decrease during the years in much the same way as your mortgage does. If you were to die tomorrow, the policy could pay ( ), an amount sufficient to pay the mortgage; in 5 years the policy would pay ( ); in 15 years ( )! In addition, this policy offers the following special features: Disability Premium Waiver - future premium payment will be waived should you become totally disabled anytime during the life of your policy. Conversion Privilege - this allows you to exchange your reducing Term policy for permanent Cash Value Life insurance at any time without a medical examination. This is an extremely valuable feature should you prove to be unable to purchase Life insurance at some later ...

... explains that successful salespeople today don't act like the stereotypical salesperson — fast-talking, aggressive, filling every second with conversation. He labels this style the "interesting extrovert." Keeping a lower profile, the new professional salesperson is what he calls the "interested introvert." Instead of using the gift of gab, they disarm their prospects with their sensitivity and listening skills. By achieving this style of selling, you can learn your client's needs, motivations, and misgivings and gently guide them into discovering the benefits of your product. 7. All of the answers are correct except (e ) . This answer is unethical, and reflects badly on you as a salesperson. Successful salespeople are extremely ethical. They recognize that a sale made at the expense of their integrity means everyone loses. Never resort to lies to close a sale. Don't sacrifice your integrity to close a sale. 8. Answers (a ), (d ), and (e ) are all acceptable answers. Answers (b ) and (c ) are unethical and could get you into trouble. SCORING All answers are correct. Score five points for each answer you circled (a possible 30 points) . Score five points if you answered (f ) . Score five points each for choosing (a ), (c ), (d ) or (e ) (a possible 20 points) . Score five points for choosing (d ) . Score five points for choosing (e ) . Score five points for choosing (b ) . Score five points each for choosing (a ), ...

... accept those that I can't change, and the wisdom to know the difference." This prayer applies to three major types of objections: Sincere objections. Negotiate around these. Hopeless objections. You have to know when to hold em, and when to fold em. "Smokescreen" objections that have nothing to do with the product, but mask a hidden agenda. Fix the problem, and you've made the sale. Bear in mind that you'll often be selling to a salesperson who might well know all the canned sales tactics. Sales Tip #13: Counter price If you're selling relationship-based solutions and the product has been fairly priced, the premium should rarely be an issue. However, if your prospect asks for a lower quote and you have to address it, use these "last resort" responses: "It's only that much cheaper?!" Imply that the competition's product or service offers even lower value. Minimize the cost differential. Put the price difference in daily terms and, by compare it with something tangible: "That's like giving up a (pack of cigarettes, couple of doughnuts, and so forth) a day." Make a "premium sandwich." "You get this for $, and this for $, and this for $, and this for $ .." Constantly repeat the premium difference after you spell out each of the superior benefits your product provides. Use The Ben Franklin approach. "When confronted with two courses of action, I jot down on a piece of paper all the arguments in favor of each one — then ...