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Intolerance has a long history of tearing down governments, causing war and increasing mob mentality. It is key in every aspect of your life that you learn how to have tolerance for others. As we are growing up, we are taught to believe what our family believes. So the first step in ensuring you are having tolerance is to take a look at yourself and the areas in your life that you may not have tolerance for others. Understand why a certain prejudice may exist to you and then rebuild your attitude around how YOU would want to be treated by others.

At work, you have to work with several different personality types, learning ways to tolerate each different type that you normally may not gravitate towards (outside of work). You have to learn how to control yourself, your environment and set standards in order to ensure you are successful. Being able to never assume, open your mind and willingness to listen to everyone will assist greatly in your journey to true, real, hard-earned success.

 

It’s often been pondered by great thinkers, “Can you really get to know anyone?” Although this is a deep question, this particular article isn’t about being philosophical. Getting to know your customers is a process that anyone can do. If you want to bring your business to the next level you need to fully understand your customers and start to understand them.  Grasp the important information about your clients and use it to help define them and improve your sales. Only when you understand your customers can you find more of them. So maybe this topic is a little more philosophical than originally thought. Here are 5 tips to get to know your customer better and start succeeding on whole new level.

Why does one decide to take your services over another?  If you don’t start to take action and learn what makes your customers chose you, you will never find out how to improve your business.  It’s time to get organized and invest in a Customer Relationship Management System, also known as a CRM. Some examples of products in the market include SalesForce, Unfusionsoft, Hubspot, FreeAgent CRM, Thryv, NetSuite, amoCRM, and Claritysoft. Having a client management system in place is ideal when dealing with hundreds of client contacts.  Having an electronic source that is searchable, sort-able and able to upload files will make tracking data and connecting with your clients easier.   Tracking data will give you the analytics to improve your website, ad campaigns, content and other marketing devices your business uses.  It will also give you the power to contact any client or group of clients with professionally designed emails or any other communications.

Now that you have a method to track and gather your customers, it’s time to analyze the activity and data of visitors to your website. Tools like Google Analytics can track the traffic to your website, origin, search terms used, keywords and a lot more.  The possibilities and tools are endless to track this data. Whatever you choose this analysis must be done.  Not only will you learn how your customers are exploring and using your site you can make improvements to their experience which will increase the chance they pick your business over another.  Tracking and analyzing your website data and the data from your CRM will create a good analytical view of your customers.  And every month when you review the data you will see patterns start to grow.  You will be able to recognize what is working and what is not.  Adapting your methods is crucial to stay relevant and successful.

Data can tell you a lot about your customers but it can’t give you everything.  Social Media is a great world to find insight into what your customers are up to.  What do they like?  How do they spend their time? What are they sharing and liking?  This type of information used to be gathered through many cold calls or networking events, where you establish your trust to get this type of info.  Now you can browse Social Media sites like Twitter, Facebook, Instagram, Snapchat and LinkedIn to see how customers live, buy and share.  You may find things that you don’t want to know but the more information you can get on your own will help clarify the picture of your customers and what they want from you.  Delivering what your clients what will strengthen your relationship and keep them coming back and even promote your business to others.

Ask Questions

Is time to suck it up and pick up the phone? Not everyone is comfortable on the phone but if you are a business owner it is an essential skill that you will have to practice.  If you want to know your customers simply ask them questions.  Ask them what they want, how they are doing, or ask them anything.  Starting a conversation with your customer builds your relationship even further.  Not everyone will want to talk to you over the phone but the ones who do will answer any questions you have and happily do it. Plan this call out and have some general questions about your company written down.  Having a few questions ready to go will show them you are prepared and not just wasting their time.  It is the perfect moment to find out what they need, and what they dislike and then fix it.  If you can’t get them on the phone send them a survey through email or even snail mail. This can provide useful information on how to make your business better.

My last tip also sounds a little philosophical, so bare with me.  You can’t understand anyone if you don’t understand yourself.  You must be able to define your product and service to anyone anywhere.  You need to be able to explain every complex aspect of what you do so a 5-year-old can understand.  You can learn all you want about your customers but it won’t do you any good unless you truly know what you are about and what you want to accomplish.  Take a moment and write it down, a definite aim or a business plan.  Creating your own definition for your business and its goals will give you a clear understanding of what you want your customers to know and how to use the information you gather.

Let’s a get a little closer and learn more about each other.  Success has to be worked at over time it is not an instant snap of the finger action but rather an ever-growing library of knowledge.

Please let me know some of the methods you use to get to know your customers better.

If you’re in the market for a new car, this is also a good time to revisit your auto insurance needs. After all, you’ll want to make sure your new vehicle is properly insured when you drive it off the lot. The process of shopping for and purchasing an auto insurance policy when buying a new car can seem a bit daunting, but by keeping just a few things in mind, you’ll be in good shape.

Shopping For a New Policy

First of all, give yourself time to shop around for an auto insurance policy! Even if you pick out your new car more quickly than you expected, you should give yourself at least a few hours to research your insurance options. Don’t rush into choosing a policy just because it’s what the vehicle salesperson recommends. A lot of the time, many of these salespeople get “kickbacks” from insurance agents for recommending them. Take your time and find a policy that truly suits your coverage needs and your budget.

Knowing Your Minimum Requirements

Make sure you understand exactly how much coverage is required based on your vehicle purchase. If you’ll be financing your vehicle (either through a lease or a car loan), keep in mind that you’ll likely be required by the lender to carry full-coverage insurance. This includes both comprehensive and collision coverage. You will need to provide proof of this before you’ll be able to drive your vehicle off the lot.

Even if you pay for your car in full, you’ll still need to meet your state’s specific requirements for liability coverage and provide proof of this as well.

Get a quote for home, life, and auto insurance today!

Insuring Your Car Before You Buy

If you’ve already chosen your exact vehicle and are ready to insure it, you can do so by contacting your insurance agent before you even go to sign the paperwork on your new car. You’ll just need some information on your vehicle, including the VIN, make, and model. This is all the information that your dealership should have no problem getting to you.

Generally, it is recommended that you contact your insurance agent on a weekday to get this taken care of. However, you can always select the start date of your policy to be the day you purchase your vehicle (in the future) to avoid paying for days you don’t actually need coverage. This is the best way to have your ducks in a row before you even head into the dealership to finalize your purchase.

Temporary Policies For Weekend Buyers

A lot of people purchase new vehicles on weekends, and that’s fine; however, getting insurance coverage on a Saturday or Sunday can sometimes be more challenging. Most major insurance carriers should still have a toll-free number you can call to get temporary coverage placed on your vehicle for the weekend or another short period of time. This is usually the best option for those who need proof of insurance coverage to drive their new vehicle off the lot but would prefer to purchase their policy through their trusted agent.

In such a situation, you can purchase a temporary policy over the weekend and contact your insurance agent to finalize your permanent policy the next available business day. If you go this route, just make sure there aren’t any gaps at all in your coverage.

Any time you’re buying a new car from a reputable dealership, you’re going to be required to show proof of insurance before you can drive your new vehicle off the lot. With these tips in mind, however, you can secure coverage before you even finalize your vehicle purchase and drive off the lot with confidence. For more information on auto insurance and other types of coverage, contact us today.

Are you planning an international trip this year? If so, you’re probably making a list of everything you’ll need to bring with you, such as the relevant countries currency, travel converters, important documents, and other items. One of the most important matters you’ll need to take care of before you leave is getting international travel insurance. When you travel to America or any other foreign country, you may face unforeseen challenges, such as unexpected illnesses or accidents, lost baggage, inclement weather, and other issues. Here are four basic factors to consider when buying travel insurance to travel internationally and why you should never leave home without it.

1. Types of Travel Insurance

There are six main kinds of travel insurance: vacation cancellation, vacation interruption, medical insurance, flight insurance, baggage insurance, and evacuation insurance.

  • Cancellation insurance, which is the most common one, covers sickness, carrier problems, dangerous weather and other unexpected reasons for canceling a trip. It can even include jury duty.
  • While trip cancellation means not going on your trip at all, trip interruption involves starting a trip but having to end it prematurely because of a problem. With trip interruption coverage, you’re reimbursed for only the part of your trip that wasn’t completed.
  • As for medical insurance, most insurance plans cover ambulance and hospital services, dental work and 24/7 emergency assistance.
  • Flight insurance covers problems with flights.
  • Baggage insurance reimburses you for clothing, medications and other essentials when your baggage is delayed, stolen, lost or damaged during your trip.
  • There’s also evacuation insurance. Because emergency medical evacuations typically aren’t covered under most health insurance plans, it’s cheaper to fly back home to your country and use your own healthcare insurance policy to save money. Evacuation costs mostly depend on the distance you need to travel.

2. Your Current Insurance Coverage

Before buying travel insurance, check your homeowner’s policy to find out if you’re already covered for situations, such as lost baggage, theft or medical care. Many homeowners’ policies do provide coverage for theft, lost personal property and medical issues. On the other hand, they may not include overseas coverage for these problems, so first, call your healthcare and homeowners’ insurance providers to see if you’re covered.

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3. The Advantages of Buying Travel Insurance from an American-Based Insurance Company

It’s best to buy travel insurance from an agency based from the country you live in. If you are from the US, one of the primary reasons you would want to buy your travel insurance from a USA based agency is that more doctors and hospitals recognize American-based medical insurance. Also, it’s more convenient, along with 24/7 customer support. As a result, you can enjoy your trip more without having to worry about complicated claims.

Other Considerations and Warnings

  • Don’t assume the cheapest insurance plan is the best option.
  • Keep all your bills, receipts and records when traveling overseas.
  • Before agreeing to a policy, read all the fine details. Because most policies are sold in packages, you need to select the one that best fits your needs. In other words, you probably won’t need evacuation insurance if you’re traveling to a large cosmopolitan city, such as London.
  • However, most likely, you’ll need baggage insurance if you have more than one connecting flight.
  • Check the latest travel warnings.
  • Be sure you know how an insurance company defines “family member” or “travel partner”, realizing that your second cousin may not qualify.
  • To save money on travel insurance, buy your policy right after booking your trip since prices increase the closer you get to your trip.
  • Tourists and other foreign visitors, such as those on temporary visas, are not permitted to purchase health insurance from American healthcare marketplaces.
  • Even though U.S. citizens are covered for pre-existing medical conditions under the Affordable Care Act, travel insurance providers do not cover claims for pre-existing conditions for foreigners traveling to America.

For all your insurance needs, you can depend on the insurance pros at InsureYourCompany.com. Please contact us and learn more about our services.

Everyone wants to achieve some form of success. But you cannot actually achieve true success until you have experienced the lessons from failure.

Most people are afraid to take chances because it could cause them to have a temporary setback or delay in their career and climb of the corporate ladder. Most people are afraid to fail and take chances. However, you cannot try new things/new ways of doing something if you don’t take a chance or are willing to fail. You cannot innovate if you are not willing to fail. Everything we use today, had multiple attempts and failures before the finished, successful product got into our hands. Failing will redirect your energy in order to let you think differently.

Failure takes you out of your daily routine and comfort zone. When you are outside of your comfort zone, you are able to truly innovate because you are no longer repeating the same action over and over or thinking in the same manner. Once you have failed, if you can pick yourself up, dust yourself off and have the confidence to try again, you will notice your mind start to expand. Then before you know it you will be innovating and contributing to change and true success.

Failure is NOT a negative connotation, it is a necessity in order to better yourself, better your career and increase your experience. The most successful people in the world have failed. For example, Walt Disney filed bankruptcy and J.K. Rowling was rejected repeatedly from publishing companies for years before someone signed her for Harry Potter. You have to look at failure actually as the success that is yet to be achieved.

When you’re building a career, a family, or a life on your own, every dollar in your budget counts. Everything is balanced against your after-taxes income. Where you can live, the kind of car you can drive, and what you can do for your evening recreation are determined by how your paycheck and expenses shake out. When you’re looking at every aspect of your budget to see what can be tightened, your insurance always winds up center-stage. Are you paying too much, could you be paying less, and is there a better way to configure your coverages and deductible to get a significantly better deal?

We believe in helping everyone find the best possible deal on auto insurance for your lifestyle, region, and vehicles. Today, we’re here to talk about ways you can effectively lower the cost of your personal and household auto insurance.

1) Be an Exemplary Customer

The most important thing to remember about saving money on any kind of insurance is that insurers care about reliability most of all. They want someone who is clearly incredibly responsible both behind the wheel and with their finances. This reduces the chances that they will have to pay for a collision or go after someone for unpaid bills. The best way to approach insurance is to make them want to compete for your business by being an exemplary customer. Not only should you keep your car out of trouble, but you also want to make sure to pay every bill on time in full, answer every message promptly, and always be polite with the service. This will reflect well on your credit and insurance history and will make your business very appealing to insurers.

2) Skip Collision and Comprehensive Coverage for Old Cars

Collision and comprehensive coverage are required by most banks and therefore the vast majority of cars still being paid off have these forms of insurance coverage. However, the maximum amount of payout you can get for collision or comprehensive coverage is equal to the amount of the car. This means that if you have an older car with a seriously depreciated value, no matter how well it runs, it may not be worth having these types of coverage on the vehicle. If the car is worth less than the deductible plus the amount you would pay for annual coverage, ditch those policies because they’re already a loss.

3) Strategically Raise Your Deductible

If you are a responsible driver with a reasonable amount of money in your savings, you can significantly lower the total cost of your insurance by raising your deductible even a little bit. Your deductible is the amount of money you pay before the insurance kicks in. A $100 deductible means that you pay the first $100 of repairs and insurance will pay for the rest up to the policy limit. If you can afford to do so, raising your deductible to $200 will mean paying a bit more if you ever do get into trouble while saving a lot more in your annual coverage costs. Raising your deductible is a great way to save money, but don’t raise it any higher than you can afford to cover whenever an accident might occur.

4) Get Usage-Based Insurance for Less Used Cars

Car insurance rates are based on a few simple assumptions. One of these assumptions is that you will be commuting at least an hour each way every day of the week. As it turns out, insurance companies give discounts to people who can prove that they drive their cars less than that. If you have a shorter commute, work at home, or even better, have a vehicle that you use very rarely as opposed to your everyday vehicle, using a GPS or OBD device in your vehicle can get you significant savings on insurance for any ‘under-used’ vehicle.

On the flip side of this advice, you should also know that an OBD device tracks not just your mileage but your speed, turn radius, and breaking force. If you like to drive your car intensely or, unfortunately, if you live in an area with terrifying roads and freeways, an OBD device can also serve to raise your insurance if the insurers discover that you drive in a ‘dangerous’ fashion even if your record is clean.

5) Don’t Get Insurance Services that You Already Have

A lot of people lose money to insurance ‘perks’ that they already have covered from another service. If your dealership warranty, AAA membership, or driver’s club services include things like oil changes and roadside assistance, you don’t need to get these services from your insurer as well. Take a careful look at any plan you’re considering and make sure to remove these options from the list of things you’re willing to pay for in a plan. These services can be incredibly valuable to new drivers who don’t have a driver’s club membership yet but for most adults, there’s no need to pay for duplicate services.

6) Buy Insurance as Your Most Responsible Household Member

When looking for insurance for a household, especially if every driver in the home tends to share the family cars, one driver tends to take the lead in auto insurance applications. While the other drivers listed will matter, the primary person will be the one most closely scrutinized in terms of their driving record and credit report. This means that no matter who is the most dominant personality in the house or the best technical driver, your lead family representative to insurance companies should be the most responsible person with the cleanest records. This will give you a good starting place with insurance companies and adding less reliable drivers to the plan will move from that point.

 

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7) Send Everyone Back to Driver’s Ed

Most people know that driver’s education can make teen car insurance more affordable, but they don’t realize that this discount is actually available for everyone. Insurance companies like customers who have recently boned up on the legal rules of the road. While we all learn the customs of our regions, these often include little details like California stops and Chicago dibs. A driving refresher course will make everyone in your household a little more careful and aware of the road and proof of enrollment assures your insurance company that you are more affordable to insure.

The best part is that you don’t even have to go sit in a student driver vehicle or re-do your driving test. Most insurers will accept enrollment in one of the many online driving courses, some of which even have fun driving simulation games for virtual practice.

8) Don’t Allow Gaps in Insurance

Gaps in insurance aren’t just a gamble that you won’t get into an accident, they’re also a bad sign for insurers who both want your business and see irresponsibility as costly. Along those lines, there is a discount offered by many insurance companies for having continuous insurance for more than a year. The percent discount you receive is often based on the size of your liability coverage so this is a particularly effective tip for anyone who already has high liability coverage for other reasons.

9) Remember to Consider Local Insurers

One mistake that many people make is forgetting that there are more than just Geiko, Allstate, Progressive, and State Farm. While these are the big national insurance providers, often you will get much better balanced and more effectively personalized deals from small local insurance firms. Remember that because these companies have a smaller reach and fewer clients, it’s within their best interest to give you a good deal, as opposed to the mega-insurers who could take or leave any handful of customers.

Local insurers are also more likely to have options available that are well-suited to your regions like a startup service or snow rescue in cold climates or additional flooding damage in the hurricane belt.

10) Pay In Full for Your Policy Duration

When you buy a duration of insurance, you usually have two options for payment. You can either pay the entire cost up front or like a subscription each month. In general, insurance companies would rather you paid up front and often offer a discount for people who choose to do so. It’s worth your while to save up a sum for your next round of insurance ahead of time in order to get the discount.

11) Shop for Insurance When You Move

If you’re looking for a new home and debating which state to move to, you may want to factor in the price of insurance at your destination. Different states have different minimum insurance requirements and laws in place that can make insurance more or less expensive by default. Since you will need to change insurance policies, either way, make sure to get a picture of insurance in the region and get a complete look at local quotes anywhere you’re seriously considering moving to. Because of deals, you might get with local insurers, it’s also a good idea to reassess your policies even if you’re only moving a few cities over.

12) Always Compare Detailed Quotes Before Deciding

As a final note, it’s important to remember that insurance company policies, costs, available discounts, and bundle packages vary a great deal. If you want to get the best deal on reliable low-cost auto insurance, your best bet is to get a wide variety of quotes and then optimize your approach based on the responses. Don’t forget to factor in education, driving history, recent driving classes, good grades, and other possible discounts, as these are often available but not offered by default.

For more great tips on how to save money while getting the best insurance for your needs, contact us today!

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What type of coverage are you interested for your Fitness Instructors business ?

Home Insurance

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Home Insurance

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Home Insurance

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Home Insurance

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Home Insurance

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Home Insurance

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Home Insurance

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Home Insurance

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Home Insurance

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Custom Business Insurance Solutions

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Business Insurance For Your Company

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