Marian Banker, MBA, is President of Prime Strategies, offering individual, group, and virtual programs designed to help clients take command of their business. Marian’s mission is to help small business owners be the leader of a strong and profitable business. Read more articles like this one at http://primestrategies.com”>www.primestrategies.com” target=”_blank”>www.primestrategies.com”>http://primestrategies.com”>www.primestrategies.com.
Posts Tagged ‘Case’
Benefits of Auto Insurance in Case of Accidents
Nobody in this world in his fair senses would wish an accident upon himself. However hard we may try or how much ever careful we may drive, we all still end up being involved in an accident at some point of time in our life. They can be really stressful and with the resulting physical and vehicular harm, the overall situation can get very stressful. Having auto insurance in place can take out a significant amount of stress from the whole situation. At least you won’t have to worry about the hefty auto repair bills.
Whenever you meet with an accident, the primary matter to focus upon must be the well being of the passengers. Once the passengers are taken care of, you must report the incident to the police, to get further assistance in the matter of claiming the damages.
Thereafter, get in touch with the auto insurance people, who’ll send their executive to assess the whole situation and help you to file a claim. There’ll be a great number of forms that’ll need to be filled, however, if you submit your claim immediately after the accident, the whole procedure can be expedited considerably.
Prior to approaching the auto insurance people, you must do a self-assessment of the true worth of your vehicle, considering its age, model and efficiency. This will help you well in discussing the matter with them and filing an appropriate amount of claim with the auto insurance executive.
In the event that your vehicle has been damaged beyond point of repair, you can claim the true value of the vehicle and not the amount you have got financed on it. Hence, if the vehicle is over financed, you may owe far more than the true worth of the vehicle.
On the contrary, if you’d like to retain the damaged vehicle and prefer to get it repaired, you can do that as well. But, in that case, you might not be able to claim the complete covered amount on the vehicle. This is plainly due to the reason that it holds no value in its present condition other than it’s actual salvage value.
It is recommended that you don’t admit any fault while filing any auto insurance claims since you may not be at fault in the eyes of the law, in spite of your thinking otherwise. The most feasible way is to put your case in front of the concerned authorities and let them come to an independent professional decision. In all likelihood, the auto insurance company will deploy a specialized claims representative to carry out a comprehensive investigation into your claim. You must also approach the other party to obtain more information, regardless of who was at fault.
Please note that you must have your auto insurance policy number handy while filing your claim. In case the other party too is insured, their name, phone numbers and residential addresses may also be required. Also mention their vehicles make, year and license plate number. Adding the names of any witnesses with their signature will make your case even stronger.
Mark Robinson writes for auto-insurance.guidefin.com. Visit his website for information about auto insurance.
Disability Insurance 01 – Unemployment Insurance – Goverment Program in Case of Disability
The main purpose of disability insurance is to to replace an individual’s income should they be unable to work as a result of either an accident or a sickness. In fact, People tend not to spend a lot of time thinking about the financial devastation that could result from a disabling injury or sickness therefore if disability strikes, the balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality. In this article, we will discuss the government program that will help the short needed for disable workers.
Most employed people contribute to employment insurance through payroll deductions. Employers send the amount they withhold from the employee’s pay to government related department Employers are also required to contribute to the employment insurance fund and must add their portion of the premium to the employee contribution when submitting the monthly deductions.
Therefore, workers who contribute to this program entitle to received benefit in case of short term disability and sickness
a) Any workers have worked in insurable employment for at least 900 hours ( Depended on the rate of unemployment it may be changed) since the last claim, if that claim was made within the last year.
b) have a physician’s statement proving disability.
Benefit is payable for a maximum period of 15 weeks after 2 weeks of waiting period.
Remember the employment sickness or short term disability adopt a second payer principle if other disability benefit are payable
The benefits will be reduced dollar for dollar when the claimant receives:
1. employment income such as wages, commissions or bonuses
2. payments in compensation for an accident on the job or a work-related illness such as Workers’ Compensation benefits;
3. group insurance benefits for sickness or loss of wages;
4. compensation for loss of wages from certain accident insurance policies.
5. pension income or retirement income
The benefit will not be effected
1. Disability pension
2. Workers’ Compensation payments from a permanent settlement
3. A personal or individual sickness or disability wage-loss policy.
4. Retroactive raises in wages or salary.
I hope this information will help. If you need more information, please visit my home page at:
http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://disabilityinsurance01.blogspot.com/
All rights reserved. Any reproducing of this article must have all the links intact.
I have been studying natural remedies for disease prevention for over 20 years and working as a financial consultant since 1990
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Clients often tell me they’re not really clear about the concept of Strategy. It’s a lot easier than you might think. Strategy is one of the steps in the planning process and cycle. The sequence in the business planning process is Vision, Mission, Goals, Strategy.
Vision is where you start and is the most abstract. Once clarified it become the guiding light toward which all your activities will be directed. Your Mission is what you do in your business to carry out your Vision. Goals are specific measurables that define what will exist when you’ve realized your Vision. The Strategy step is the thinking through of how you will achieve those Goals.
Start by considering the resources you have and the direction you want to go. Evaluate various scenarios and steps and predict how they will turn out. An analogy that makes it easier to understand is the game of chess. Various moves are considered with predicted outcomes BEFORE the actions are taken.
Some examples of Strategy might be:
- identify and develop an untapped market (based on observed trends);
- provide staff training and coaching (to strengthen customer service)
- redefine our brand (to fit our updated target market)
Developing a clear Strategy is critical because you’re going to base your Plan on your Strategy. As you know, it’s the activities you carry out in your day-to-day operations that produce the results you see at the end of the month. It is likely that you will have more than one Strategy because you’ll probably have several Goals.
There may be more than one Strategy for each Goal. An example might be to “create a contact database” and “hire a part-time assistant to manage your database”. You’re not actually at the Plan level until you determine the steps you’re going to take to hire that assistant (seek employee referrals, network word of mouth).
Bill Sipes, CPA, is founder and CEO of a community-based Accounting Business, which provides Tax Management, Write-up, Financial Services, Financial Support Systems and Business Valuation. He sees opportunities to add even more services and products and has decided to take on the persona of a Financial Advisor. I’d like to share the story of how he recently developed his Strategy for this business because it clearly exemplifies the process.
When there was an economic downturn in his local community, Bill realized he needed a new Strategy that would “turn his clients into cheerleaders” and turn around his bottom line. He decided to find out where his business had been coming from in the recent past.
He found out he got most business from 3 sources: mailing to professionals, new business/product mailing, and new sales to existing clients.
He called together his staff to discuss his findings and to ask for their help in determining a new Strategy. Following the meeting he sent out a summary of “what he heard” and asked for their continued thoughts. The staff were acknowledged and given a role in the process.
Here’s Bill’s memo to staff.
“Thanks to all. I think this is the most important meeting we have ever had. This is what I heard.
1. We need to separate ourselves from the other CPA firms.
2. Several ways to do this were mentioned. Speed of service was one. Another was building relationships.
3. We are going to develop a system of building relationships with our clients. Jane is going to write a rough script to follow whenever we get with a client…..The Moment of Truth.
4. I am going to ask Annette to print a few banners that say…..The Moment of Truth.
5. Jeff is going to check with the software people about Telemagic and Act.
6. We are going to spend more time “showing our face” in the community and to our clients.
7. When with a client always ask……How are we doing?
Thanks again for a great meeting……which I am sure will lead to a great system that will turn our clients into cheerleaders.”
Here’s Bill’s Strategy.
- Develop a plan to cross-sell existing clients.
- Continue to use Marketing Assistant to carry out marketing campaign to targeted list.
- Make Customer Service visits with our commissioned software salesman to cement relationships and try to cross-sell.
- Hire a commissioned insurance sales rep with a benefits background to sell Long Term Care Insurance as a new service (to cross-sell).
- Redefine our “brand”. Develop our new image to support our updated profile.
He’s building his redefined brand on “trusted relationships”. The staff is very enthusiastic and willing to support each other’s efforts. He also plans to have “Moment of Truth” banners made up to keep the staff focused on what’s important.
Bill is utilizing a Strategy that’s based on research into information about his own business and he has buy-in from his staff. He not only knows where he’s going, he has a Strategy to get there.
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I called to a new dentist to book an appointment for a cleaning, and to ask her if something was wrong with my two front teeth on the bottom. I went in and she did some xrays and told me everything was fine except I had two root tips on each side of my bottom (back side)teeth that needed to be removed.
I had no problems with my teeth back there at all.
So the next day she said to come in for my cleaning. When I came back the next day, she said she was going to remove the root tips while cleaning my teeth, said all she had to do is push them out.
Next thing I know she is freezing my mouth and cutting open my jaw, and drilling at my jaw.
I was very upset, and never went back. This was in feb. In june, I went to another dentist and he noticed a lot of discoloration on my gums, so I told him about the surgery. He got my xrays sent over and was in shocl that she did this. He said it was 100% unnecessary, and I should go get another opinion as well. So I did, and the second dentist said the same thing.
Also, she told me there was nothing wrong with my front two teeth, the dentists both told me I have gingivitis and gum recession that is at risk of becoming periodontitis (sp?).
Since the surgery, I have had very irritating pain on one of the sides, and after more xrays, the dentist says because of what she did, there is a piece of bone rubbing against my tooth and I need to have 2 surgeries to correct this.
I do not have dental insurance. I want her to be responsible for my new bills,my pain, and to reimburse me for what she did, the $430 I paid her. I also think there should be some sort of disciplinary action on part of Dentist Association (or whatever it is, im in Canada), because she not only misdiagnosed me, but she ruined my mouth! My gums look weird and she didnt even sow me up properly! she cut a piece of skin from my lower cheek inside and sowed it to my gums!
Do i have a legitimate case, and where do I start??
Nobody in this world in his fair senses would wish an accident upon himself. However hard we may try or how much ever careful we may drive, we all still end up being involved in an accident at some point of time in our life. They can be really stressful and with the resulting physical and vehicular harm, the overall situation can get very stressful. Having auto insurance in place can take out a significant amount of stress from the whole situation. At least you won’t have to worry about the hefty auto repair bills.
Whenever you meet with an accident, the primary matter to focus upon must be the well being of the passengers. Once the passengers are taken care of, you must report the incident to the police, to get further assistance in the matter of claiming the damages.
Thereafter, get in touch with the auto insurance people, who’ll send their executive to assess the whole situation and help you to file a claim. There’ll be a great number of forms that’ll need to be filled, however, if you submit your claim immediately after the accident, the whole procedure can be expedited considerably.
Prior to approaching the auto insurance people, you must do a self-assessment of the true worth of your vehicle, considering its age, model and efficiency. This will help you well in discussing the matter with them and filing an appropriate amount of claim with the auto insurance executive.
In the event that your vehicle has been damaged beyond point of repair, you can claim the true value of the vehicle and not the amount you have got financed on it. Hence, if the vehicle is over financed, you may owe far more than the true worth of the vehicle.
On the contrary, if you’d like to retain the damaged vehicle and prefer to get it repaired, you can do that as well. But, in that case, you might not be able to claim the complete covered amount on the vehicle. This is plainly due to the reason that it holds no value in its present condition other than it’s actual salvage value.
It is recommended that you don’t admit any fault while filing any auto insurance claims since you may not be at fault in the eyes of the law, in spite of your thinking otherwise. The most feasible way is to put your case in front of the concerned authorities and let them come to an independent professional decision. In all likelihood, the auto insurance company will deploy a specialized claims representative to carry out a comprehensive investigation into your claim. You must also approach the other party to obtain more information, regardless of who was at fault.
Please note that you must have your auto insurance policy number handy while filing your claim. In case the other party too is insured, their name, phone numbers and residential addresses may also be required. Also mention their vehicles make, year and license plate number. Adding the names of any witnesses with their signature will make your case even stronger.
Mark Robinson writes for auto-insurance.guidefin.com. Visit his website for information about auto insurance.
