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... ." 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 ...

... ), 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 ...

... an employer plans to stop doing business, and there is no successor employer to receive and maintain these records, the employer must notify employees of their right of access to records at least three months before the employer ceases to do business. When OSHA standards require the employer to measure exposure to harmful substances, the employee (or representative) has the right to observe the testing and to examine the records of the results. If the exposure levels are above the limit set by the standard, the employer must tell employees what will be done to bring the exposure down. OSHA Inspections OSHA encourages employers and employees to work together to remove hazards. Employees should discuss safety and health problems with the employer, other workers, and union representatives (if there is a union) . As a last resort, if a hazard cannot be corrected, an employee should contact the nearest OSHA area office. If necessary, the OSHA area director can order an inspection if the employee is willing to submit a formal complaint. Discrimination for Using Rights Although there is nothing in the OSHA law which gives an employee the right to refuse to perform an unsafe or unhealthful job assignment, OSHA's regulations, which have been upheld by the U.S. Supreme Court, provide that an employee may refuse to work when faced with an imminent danger of death or serious injury. The conditions necessary to justify a work refusal are very stringent, however, and a work refusal should be an action taken only as a last resort. If time permits, the unhealthful or unsafe condition should be reported to OSHA or other appropriate ...

... . 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 ...

... ." 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 ...

... 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 ...

... 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.. Managing Risk: A Guide For Your Business Client, Part 4 Of 4 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. MANAGING RISK: A GUIDE FOR YOUR BUSINESS CLIENT Part 4 of 4 INSURANCE AND RISK MANAGEMENT This is the generally accepted sequence of risk management activities: The risk of loss is identified and measured. It's reduced as much as feasible by loss-prevention techniques. The loss is accepted as a budgeted cost to the extent that it can be fitted in to the financial picture. As a last resort, the losses that can't otherwise be treated are transferred. Insurance is the usual means. Insurance is so important as a risk-management tool and its cost so visible that other aspects have received relatively little attention. Nevertheless, they all tie together into the overall risk-management picture. Risk Identification It almost goes without saying that risks must be identified before they can be treated. This is one of the measures of a good risk manager. Here are just some risks that occasionally elude the public agency risk manager: Loss of revenue from shutdown of an income-producing activity: utility, toll road or bridge, auditorium, and so forth Loss of taxes because of destruction of a principal taxpayer's property Extra expenses from administrative dislocations following any catastrophe Extra expenses from hand processing data after loss of data-processing facilities Unusual types of liability, such as liquor liability, that are not perceived as important until an unforeseen situation Loss Prevention Safety programs affect insurance costs indirectly by reducing losses (which in turn indirectly affect premiums), but few safety measures ...

... 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 ...

... 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 ...