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... x No Thanks Loading.. Transportation 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. TRANSPORTATION Dear (Customer Name): ARE YOU RESPONSIBLE FOR AN ACT OF GOD? When your merchandise is shipped, the transporter's contract probably stipulates that you are. An Act of God' such as a flood could cause damage that would not be covered by your transporter's insurance. But our Transportation insurance covers you. DO YOU HAVE ALL THE TIME IN THE WORLD? Your transporter might think so. The bill of lading you receive is not a blanket agreement to pay you promptly in case of damage or non-delivery. Our policy is. If anything happens to any portion of your shipment, from the time it leaves the original shipping point until delivery at a destination, you collect the value promptly from us. You save yourself the headaches of investigations, discussions, and correspondence with transportation companies and their agents. Our policy offers you full protection, prompt claims payment, pleasant customer service, and a top-notch insurance company. I'd like to spend a few minutes telling you more. I'll give you a call next week to set up a convenient appointment. Sincerely, 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 ...

... x No Thanks Loading.. Be Aware! Avoid Danger On Public Transportation 4/30/2013 by CompleteMarkets Editor , Bill Kliewer This content has not been rated yet. BE AWARE! AVOID DANGER ON PUBLIC TRANSPORTATION &# 160by Bill Kliewer Bill Kliewer explains how situational awareness and a personal contingency plan can enhance your chance of avoiding or surviving a terrorist attack. &# 160 On July 26, 2005, New York City police began conducting random searches of subway passengers' bags amid security concerns raised by the July 7 London bombings. Officials from the Washington, D.C., transit system went to New York on July 28 to evaluate the new measures for possible use in the capital's metro. Considering the difficulties in securing public transportation (the New York City subway carries an estimated 4.5 million riders a day; Washington's carries about 700,000) the government can provide an overall level of security, while local law enforcement agencies can enhance security with increased vigilance. Ultimately, however, you need to take some responsibility for your own personal security. The best way is to maintain a heightened level of situational awareness. Being observant of surroundings and people in your vicinity is essential to identifying potential threats and dangerous situations. Although daily commuters will find it tempting to immerse themselves in a book or newspaper to pass the time, it's a good idea at least to pause long enough to evaluate people as they board at each stop. &# 160 While maintaining good situational awareness, you also need to trust your own instincts. On a primal level, people are aware of potential dangers ...

... x No Thanks Loading.. Stratch Their I.T.C.H. – Watch People Beat A Path To Your Door!4/30/2013 by CompleteMarkets Editor , Mitch Axelrod This content has not been rated yet. What business are you in? Today, you, I, and everyone else is in the I.T.C.H. business! Information - to help make good choices and decisions. Transportation - to get people from point A to point B. Communication - to send clear messages that attract resources and relationships. Help - to serve, and improve the lives of others. The more people who's I.T.C.H. you scratch, the more success you'll have. The more ways you scratch a buyer's I.T.C.H., the more business you'll get. Information Everyone needs sound information to make good decisions. In his terrific book, Creating a New Civilization, Alvin Toffler says, "development and distribution of information is the central productivity and power activity of the human race." We organize information into knowledge, and draw upon our experience and wisdom. All these weigh heavily in the choices and decisions we make. You can provide useful information in many forms: Newsletters, special reports, bulletins, audio magazines, online E-zines, etc. If you don't write or can't create one of these in-house, joint venture with someone who does, provided it offers value your audience will appreciate. Your readers (customers, buyers, or prospects) don't really care who writes the information. They care that it has value to them. The three keys to communication are Impact, Frequency, and Medium. Send ...

... driver safety program with the following rules. Use of Personal Vehicles Before employees can use their personal vehicles for company business, they are required to provide proof that they own the vehicle or have authorization from the registered owner to drive the vehicle for their work. A copy of the vehicle registration or a letter or other document must be supplied to the employee's supervisor and will be kept on file. Before employees can use their personal vehicles for company business, they are required to provide proof that they have auto insurance as required by law in their state. A copy of the employees current policy must be given to the employee's supervisor and will be kept in the personnel files. A new copy must be provided at the time the current policy expires to show that the insurance has been renewed. Transporting Employees When several employees are transported in a van, bus, or truck, the operator must have a license appropriate to the class of vehicle being driven. The transporting vehicles must be equipped with adequate seats. Vehicles must be equipped with lamps, brakes, horns, windshields, mirrors, and turn signals in good repair. Vehicles must be provided with handrails, steps, stirrups or similar devices for mounting or dismounting. Employees are prohibited from riding on top of any load which can shift, topple, or otherwise become unstable. When tools with sharp edges are carried in passenger compartments they must be placed in closed boxes or containers which cannot shift, topple or become unstable. Employee transport vehicles must carry at least two reflective type flares. A fully charged fire extinguisher in good condition ...

... these formal guidelines that were integrated into the Vehicle Safety Program to reduce vehicle accidents and limit the company's liability resulting from driver negligence. Use of Personal Vehicles Before employees can use their personal vehicles for company business, they are required to provide proof that they own the vehicle or have authorization from the registered owner to drive the vehicle for their work. A copy of the vehicle registration or a letter or other document must be supplied to the employee's supervisor and will be kept on file. Employees using personal vehicles for work must also provide proof of Auto insurance as required by law in their state. A copy of the employee's current policy must be kept on file with the employee's supervisor. After a policy expires, a copy of the renewed policy must be provided to prove continuation of coverage. Transporting Employees When several employees are transported in a van, bus or truck, the operator must have a license to drive the class of vehicle driven by the employee. All vehicles must be equipped with adequate seats and working lamps, brakes, horns, windshields, mirrors, and turn signals. Vehicles must be provided with handrails, steps, stirrups or similar devices for mounting or dismounting. Employees are prohibited from riding on top of any load which can shift, topple, or otherwise become unstable. When tools with sharp edges are placed in the passenger space, they must be enclosed in closed boxes or containers which cannot shift, topple, or become unstable. Vehicles must carry at least two reflective type flares and a fully charged fire extinguisher maintained in working condition. Vehicle Safety Rules Do ...

... x No Thanks Loading.. Dot Drug And Alcohol Testing Regulations: Are You Ready?4/30/2013 by CompleteMarkets Editor , Karen Herson This content has not been rated yet. DOT DRUG AND ALCOHOL TESTING REGULATIONS: ARE YOU READY? by Karen Herson and Bill Current Do you know that if you employ anyone who must, in the course of his or her job, possess a commercial driver's license (CDL) and perform safety-sensitive' functions as defined by the U.S. Department of Transportation (DOT), you are required to conduct drug and alcohol testing? Although drug testing had long been mandated by DOT, the Omnibus Transportation Employee Testing Act of 1991 goes further by also requiring alcohol testing and extends coverage to intrastate drivers and all CDL holders. This legislation greatly increased the number of workers covered. DOT estimates that nearly 8 million workers across the country are now affected by the requirements of the Act, which also applies to the aviation, railway, marine, and pipeline industries. The DOT drug and alcohol testing regulations unquestionably represent one of the most complex and costly federal regulations in existence today. Most of the requirements are beyond the capabilities of many small business owners. However, the drug-free workplace consulting firm of Robert Stutman & Associates has developed a product that literally takes the hassle and the exorbitant expense out of complying with the regulations. We'll discuss this in greater depth later in this article. For now, let's examine exactly what the regulations require of you. WHO IS COVERED? The DOT's explanation of safety-sensitive' functions in the motor carrier industry is simply ...

... handle. The attorneys and investigators are consumed with other cases. It shouldn't come as any surprise that 80% of all litigated Workers Compensation claims get to that stage because nobody has communicated with the employee, who is scared, confused, and frustrated by the system. If you run a business, you can reduce malingering significantly if you attend to it at its beginning. The best defense against malingering is active involvement in the employee's claim, starting the minute you receive notice of a claim. Someone in your organization (let's call him or her the firm's rep) should be responsible for ensuring that any employee making a Workers Compensation claim is promptly taken to a doctor, and for immediately informing the Workers Compensation claims department of your insurance company in writing and by telephone. The rep should transport the employee to the physician directly (unless, of course, it's a serious situation that requires the services of an emergency medical transport), and should stay at the doctor's office until any necessary examination and treatment are completed. The rep should then take the applicant home or back to work, as directed by the physician. While at the doctor's office, the firm's rep should ask the physician about the status of the claimed medical condition, what the recommended treatment is, and what might be a reasonable return-to-work date-all in the presence of the employee. If the employee or physician objects to the disclosure of such information, advise them that you are ensuring Workers Compensation compliance, that you need to make sure the employer has sufficient resources to cover for the lost manpower, and that you'll ...

... 5.0 1 2 3 4 5 CompleteMarkets Editor , David Daar 4/30/2013 12:00:00 AM AGENT'S CHECKLIST: PROTECTING YOUR ACCOUNTS AGAINST PIRACY by David Daar Before your accounts get raided, you should consider doing some advance planning. There should be a strategy in place.. All Articles by CompleteMarkets Editor Comments (0 ) Annuity Plan This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:10 PM ANNUITY PLAN Dear (Customer Name): Picture this: a warm climate . . . long breakfasts in the mornings . . . golf all afternoon . . . vacationing with the children . . . and no more 8-to-6 rat race! .. All Articles by CompleteMarkets Editor Comments (0 ) Be Aware! Avoid Danger On Public Transportation This content has not been rated yet. CompleteMarkets Editor , Bill Kliewer 4/30/2013 10:41:34 PM BE AWARE! AVOID DANGER ON PUBLIC TRANSPORTATION by Bill Kliewer Bill Kliewer explains how situational awareness and a personal contingency plan can enhance your chance of avoiding or surviv.. All Articles by CompleteMarkets Editor Comments (0 ) Beware The Outdated Shareholders Agreement This content has not been rated yet. CompleteMarkets Editor , Kevin Stipe , Angela Bemiss 4/30/2013 12:00:00 AM BEWARE THE OUTDATED SHAREHOLDERS AGREEMENT by Angela Bemiss and Kevin Stipe Published statistics suggest that the damage and personal injury caused by home fires is signifi.. All Articles by CompleteMarkets Editor Comments (0 ) Communicating The Grand Vision This content has not been rated yet. Jack Burke 4/30 ...

... (0 ) Public Relations And Selling: How To Be A Modest Self-Promoter This content has not been rated yet. CompleteMarkets Editor , Rob Keane 4/30/2013 10:41:34 PM PUBLIC RELATIONS AND SELLING: HOW TO BE A MODEST SELF-PROMOTER by Rob Keane Articles, not advertisements. This is the first rule I learned in journalism school. Eight years later, I made t.. All Articles by CompleteMarkets Editor Comments (0 ) The Profitable Power Of Cross-Selling And Up-Selling This content has not been rated yet. Lynn Thomas 5/23/2013 12:00:00 AM THE PROFITABLE POWER OF CROSS-SELLING AND UP-SELLING by Lynn Thomas With all the information thats available on the benefits of account rounding, its amazing that agencies .. All Articles by Lynn Thomas Comments (0 ) Transportation This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:32 PM TRANSPORTATION Dear (Customer Name): ARE YOU RESPONSIBLE FOR AN ACT OF GOD? When your merchandise is shipped, the transporter's contract probably stipulates that you are. An Act of God.. All Articles by CompleteMarkets Editor Comments (0 ) Use Cross-Selling To Increase Client Retention This content has not been rated yet. Lynn Thomas 5/30/2013 12:00:00 AM USE CROSS-SELLING TO INCREASE CLIENT RETENTION by Lynn Thomas The more products and services your clients buy from you, the closer your relationship with them. In this document, Lynn Th.. All Articles by Lynn Thomas Comments (0 ) 1 2 x No Thanks Loading.. Loading.. x No Thanks Loading. ...

... x No Thanks Loading.. What Business Are You Really In?4/30/2013 by CompleteMarkets Editor , Chris Burand This content has not been rated yet. What business are you in? Examine this question carefully in this document by Chris Burand. A paradigm shift in focus from selling insurance to helping clients protect all their assets, especially their most critical ones, will be a shock to many agencies and insurers. But for those who accept this challenge, the future holds great opportunities! Herb Kelleher, former CEO of Southwest Airlines, one of the best-managed companies in the U.S., once stated that Southwest is in the people transportation business, not the airline business. His distinction is essential. Being in the people transportation business means expanding the definition of the competition' beyond other airlines to include private autos, buses, and trains. Southwest focuses on maintaining a cost structure low enough to attract customers who would otherwise drive, take a bus, go by train, or not travel at all. As a result, it's the most consistently profitable airline in the nation. When he started his company, entrepreneur Norm Brodsky thought he was getting into the record storage business. He soon learned that he could only succeed by offering his competitor's customers significantly lower prices to break their contracts and that meant getting into real estate. Since the main cost of storing records in New York City (where he located his operations) is storage space, Brodsky needed to use real estate more efficiently. Because space is leased on a square footage basis regardless of the ceiling height, by ...