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California Governor Jerry Brown declared a drought emergency for the state, saying it is facing “perhaps the worst drought that California has ever seen since the record began about 100 years ago. In his declaration he called for a voluntary 20% conservation to our water use. The point of this declaration is to wake all of Californians up to the serious situation that people should pause and reflect on how dependent we are on the rain, nature and one other. Since 2011 extremely dry conditions have parched the state and as of 2014 90% of California is currently in a severe drought, meaning this coming year could be a giant fire year. Under the proclamation, Brown directed officials to take "all necessary actions" to address the drought, including assisting farmers and communities with water shortages. He directed state agencies to use less water and hire more firefighters. How do you see the drought affecting the insurance industry?

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Social Media Marketing you say? In the Insurance Industry you say? We say, "HECK YES!" Creating and maintaining an active and effective social media presence is hard work. There are countless hours that you slave over your computer, AFTER your agency has closed its doors and turned on the batphone for late night claims. In those same 10 hours you put into stumbling around Facebook, and maybe LinkedIn, filling out the bare minimum profile requirements, Transformer Marketing can do that and more. We are the experts of social media marketing, and we pride ourselves on knowing everything Facebook, LinkedIn and Twitter has to offer. There are different aspects to each social platform. With Facebook and LinkedIn, once you create your personal profiles, you can build a company page to interact with and gain followers or people that "Like" your business. These are people that may or may not be connected to your personal profile in any way, which is a good thing! Having a company page is like having a goldmine when it comes to building a brand. The more people that connect to your company page, the more reputation you gain, the more your brand sticks out in a prospects mind when they need that great Insurance Professional. For Twitter, hash tags (#) are all the rave. Do you have a very specific target audience you are trying to reach? How about #Retirement or, #Auto possibly, #WorkersComp? You know how only 10% of the iceberg is above the water? The same goes for Twitter, most people do not realize what a full blown Twitter assault can do for their company. For more information on how to Transform your social media presence and surpass your competition, contact a Transformer Marketing Representative today! Give us a call at (909) 547-6212 or visit TransformerMarketing.com

If you or your spouse is employed in the military and want to fund your small business, then you can take advantage of several different favorable loan options directed towards veterans, in this article you will learn how to get funded as a veteran. VA loans, or SBA 7 (A), SBA Express and Military Reserve Economic Injury Disaster (MRIDL) loans are actually from the Small Business Administration (SBA) to the veterans or their soldiers or their wives or widows who are being stopped serving in the military or who have their military service has returned from. This loan does not actually originate from the VA or the Veterans Administration. Small Business Administration has an office of Veterans Affairs, which oversees the business debt of veterans. This fund is not paid as a grant. Standard loans that are required to repay, with the attached an interest rate. Types of VA Business Loans SBA has three types of VA loans that how to get funded as a veteran. First, there is SBA Express Loan Initiative for seniors. This program is open for non-veterans, but there is an Advantage Program of SBA veteran who abandons the guaranteed fees for advance loan for everyone who qualifies for this loan. Veterans can borrow up to $ 350,000. Secondly, SBA's 7A (A) loan program provides up to $ 5 million for funding, again for both veterans and non-veterans. However, the Advantage Program of Veterans also applies to this loan, reducing zero guarantee fees for a loan of $ 125,000 or less and a guarantee fee of up to $ 125,000 plus 50% of the guaranteed VAT. SBA provides advice and training to borrowers with debt to help their business enterprises. Third type of business loan MRIIDL or military defensive economic hit disaster loan. This loan provides capital for businesses that can meet their obligations and continue to fulfill their obligations; their principal owner has not been called for military service. Eligibility for VA Loans All active military workers, veterans, service-able veterans, and their current husband or widow are eligible for this loan. Those who obtain a disrespectful discharge are not eligible for the insurance loan program. If you retire within 24 months of separation or retirement within 12 months of the separate duties department, you can qualify for SBA Express Loan Program. Reservists and National Guard are also eligible as well. Types of Businesses That Can Borrow Must have at least 51% percent of eligible experience on the business. Most businesses meet the eligibility requirements, unless the company is a pyramid project, gambling business or a loan business. Also, the business will be a profitable business. Non-profit is not eligible. What Can the Loan Proceeds Cover? SBA Express or 7 (a) fees may be used for most business plans. For example, you can add your main business to your business, cover the cost of buying new products, purchasing a product, purchasing a real estate for your business, obtaining purchases, retrieving business services, expanding your business, updating trade and contract with the government (contract), establish your business for the convenience of your transmission, and retrieve yourself from disasters such as wind, wind, and earthquake.