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... water for a longer period in the event of a major catastrophe affecting water supplies. (Ask victims of Hurricane Andrew!) The good news is, there may be other sources of water in your home to obtain water. Here are a few ideas: Use water drained from the hot-water heater, if it is still upright. Turn off the electricity/gas and close the inlet water valve. Drain water into a container from the faucet at the bottom of the tank. Use water dipped from the flush tank of toilets (not the bowl), but purify it before drinking. Melt ice cubes. Use liquid from canned fruit or vegetables. Do not drink water that is used in a water bed because the plastic may have released chemicals into it. Do not drink water from swimming pools or spas. Such water can be used for personal hygiene, but drinking it can cause permanent kidney damage because of high salt level, or it can cause diarrhea because of over-chlorination. With proper planning by everyone, there should be sufficient water when it is needed most during a catastrophe. 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 ...

... Do you own a swimming pool? ...

...ufacturing plant. The insured, a swimming pool subcontractor, did not have cov...

... Swimming Pool (if yes, is it fenced in?) ...

... ? Do you start off every company meeting by referring to it? If not, you aren't really using it as a guide. It's irrelevant. There is no magic formula to developing a clear, concise, and effective mission. It simply needs to reflect your values and dreams in a way that inspires you to inspire others. If your current mission doesn't do that, it probably isn't a real mission. How Can People Get What They Really Want? The more extensive a man's knowledge of what has to be done, the greater will be his power of knowing what to do. Benjamin Disraeli After a staff meeting one day, one of my managers approached me with one of those profoundly simple questions, the kind that a friend of mine describes as shallow enough for a baby to swim in but deep enough to drown an elephant. She asked, Why do you think I usually accomplish things I want to rather than things I'm supposed to? ' That question hit me like a ton of bricks. It changed my thinking on why some people achieve their goals and why some fail. And it has a direct impact on why your agency mission may be irrelevant to most of your employees. The answer to my friend's question was that we fail to accomplish something because we chose to accomplish something else. For instance, producers who value integrity more highly than money will not close every sale, even though they probably value new business development as highly as you do. By missing out on some business (which some would call failing), they are actually choosing to win at ...

... enough to cover the emergency room fees let alone any surgery, rehabilitation, lost wages and other medical expenses. If there is a fatality, you may consider bankruptcy. Your business has a small storefront on a busy street. A middle-aged executive comes into your place of business following a rainstorm. Your floor is wet and slippery, and the executive slips and falls. He strikes his head, loses consciousness, and goes into a coma. Your general business liability insurance has the same limit as your auto insurance - $100,000. It may cover part of the hospital bill, but the official says he is permanently disabled and sues you for future wages for $1 million. Since your business is a sole proprietorship, bankruptcy beckons. Your son invites a friend over for a swim in your pool. He dives into the shallow end strikes his head and suffers traumatic brain injury. Sadly, the damage is permanent- with standard liability limits of $100,000- well, you know, bankruptcy stares you in the face. The inexpensive, elegant solution to the problem is umbrella insurance. When a claim exceeds your standard liability insurance limits, your umbrella insurance policy takes over and pays up to your umbrella liability limits. Most people who buy umbrella insurance extend their liability limits to $5 million. Though you hope never to use it, for a few hundred dollars per year, you can protect your assets, and avoid financial disaster. Umbrella insurance pays when you are responsible for an injury that exceeds your standard liability limits. Login or Register (for ...

... x No Thanks Loading.. Sharks Wanted: Hiring Great Salespeople 4/30/2013 by CompleteMarkets Editor , Chris Burand This content has not been rated yet. Find the best sharks and train them to be even more effective predators. "We don't want the people who swim with the sharks. We want the sharks." Employment ad from The Orange County Register (reprinted from Readers Digest) For many decades, the independent agency has been an entrepreneurial success story. The agency founder was always a remarkable person. He or she started the business from scratch and served as the CEO, producer, CSR, bookkeeper, and janitor. And these people succeeded! With greater success, they hired CSRs, a bookkeeper, and a janitor. As agencies grow, they eventually require a producer — and many highly successful agency owners find it difficult to bring in a non-owner producer. Even though, or perhaps because, they're great salespeople and fantastic individuals, they can't seem to hire a good salesperson. Why do these owners succeed at so much, but often fail at hiring a good producer? Maybe subconsciously they don't want the competition. They like being the best salesperson in the agency. This certainly holds true in some cases, in which agency owners have capped, fired, or otherwise stifled good producers when the producer started making more money than the owner. One agency owner actually declared, "No one will make more than me, no matter how much they sell" Other owners just hire bad producers to begin with so that they never have to worry about the ...

...t. Do not drink water from swimming pools or spas. Such water can be use...

... x No Thanks Loading.. Forming Richer Client Relationships: The CRM Solution 4/30/2013 by CompleteMarkets Editor , Patricia Czech This content has not been rated yet. In the shallow end of the pool, the little tykes are splashing around with their water wings. You wade in waist high, trying to avoid horseplay as your fingertips and toes turn to prunes. The deep end where the big fish swim is another world entirely. Divers plunge, some reaching the bottom of the pool. Patricia Czech explains why staying in the shallow end and overlooking opportunities is a mistake that you can't afford to make. It's a lot like that in e-business today. Companies have reached a point where they're trying to move beyond a shallow, cursory view of their customers, and are plunging into deep, rich customer relationships. Their goal is to offer better customer service, sell more goods and services, and target the needs of specific, lucrative customers. So what's considered deep? For an organization to deliver value, it must learn from every customer interaction, and adapt to how the customer wants to interact — via e-mail, phone, Internet, or in person. What's more, if a customer calls a company, they want to be dealt with in the context of their last interaction with the organization, regardless of the channel they used to contact the company. This requires gleaning sales databases, and tapping into transactional systems for the most relevant data on the customer — basically implementing a combination of operational and analytical customer relationship management (CRM) . Retailers and catalog companies are ...

...tances. Picture yourself at the swimming pool. You’re on the end of the...