For most businesses, the greatest asset you will have is your workforce. They will drive your whole empire. The quality of their work will determine how great your product or service will be. They are crucial in determining how great your output is. This is why it is important to always watch out for their welfare.
Employees with a deep connection with the leader have a sense of accountability for the business. They tend to go above and beyond the call of duty to ensure all is done perfectly. They share this connection with the business through their connection with you. As their leader, you would want to foster this type of relationship with your team. Here are some ways you can do that.
If you are not a car junkie, there may be a lot of things about the car that will make you wonder. One of those things is car tint. It's one of the questions I always hear from car novices. What is the tint for? What does it really do? If you want to know all about car tints, you've come to the right place.
Imagine a long day of hard work. How nice would it be to get home, kick back, relax, and relieve your stress. You may want to dim the lights, put on soothing music or ambient sound, and enjoy a pleasing scent. For most of us, the go to medium is a scented candle. Candles give a very unique experience when at home. It makes your meal much more romantic. It makes a room much more soothing. However, having an open flame does come with some danger. Before you even light up that candle, be sure to remember the following tips.
Every member of the family should feel safe at home, including the elderly. We know that our physical abilities weaken as we get older. Getting around the house becomes slower and more difficult. Aside from the physical limitations, the vision becomes impaired as well.
While owning a dog at home has many benefits, there are a few drawbacks to it. For example, your dog bites someone. As the owner, there are actions you need to do, fast.
Take these steps when your dog has bitten someone:
Does your spouse or some of your friends and loved ones have a habit of giving unwanted comments while you are driving? Then you are dealing with backseat drivers. It is natural for you to be annoyed and get into a shouting match with them. But, it also increases the risks of getting into accidents.
To make your driving time, more peaceful even with this kind of person inside the vehicle, here are 4 techniques on how to get rid of backseat driving.
Complaints are not an uncommon thing. Customers generally complain when the products they have bought or services they have paid were not able to meet their expectations. Businesses usually assign someone (or a team) to handle customer complaints and provide proper customer service.
Note that not all disappointed and dissatisfied customers call your attention. There are those that tell other people about their bad experience with your business. Therefore, when a customer tell you their complaints, make use of this time to resolve the issue.
Provided below are 4 useful methods in how to deal with a customer complaint properly:
This article is meant to be a simple explanation for why home insurance rates are on the rise and some helpful hints on how to lower home insurance cost without sacrificing coverage.
I am not saying I agree with the logic (of the insurance companies) for all the below reasons on why home insurance rates have and are going up, but some make sense.
To start I think it is important to understand the basics of how insurance works. Simply put, everyone pays premiums into a bucket to hedge against the risk of a loss. So that when a percentage of those people have a loss, they can pull out a much larger amount from the bucket than they put in to either fix or replace what they lost. This is very simplified explanation, and now that we have covered that, below are a few big reasons home insurance rates have gone and are going up.
2. Recent hurricanes (obvious reason, I know)
Irma alone caused close to 8 billion in property damage in Florida, and Matthew causing 1.5 billion. These considerable losses create a void in insurance companies reserves (the amount they are required to keep to be able to pay out future claims), and so must raise rates to fill the void or face possible solvency by the state.
3. Reinsurance rates go up.
Believe it or not insurance companies have their own insurance policies called re-insurance (crazy right) that kick in after major catastrophes to help cover some of the losses that would otherwise cripple the insurance companies. These policies are very expensive and once a state has had a recent catastrophic loss (or losses) these rates go up, and soon home insurance rates follow.
Simple solutions to help lower your rate.
2. Lower contents coverage
The standard amount of contents coverage on a home policy is 50% of the dwelling amount, so if your home is insured at $200,000 your contents coverage would be at $100,000. Once you consider the policy caps on certain items like jewelry, art, etc. (which are typically capped at $1000 to $2500 depending on your policy terms). Some homeowners simply don’t need 50% of their dwelling amount for contents.
3. Shop around.
Like everything else in the world no insurance company is a one size fit all. Every company has an appetite of what type of risk they are looking for (age of home, zip code, personal insurance score, etc.) and simply finding that right match can save hundreds. Independent insurance agencies are a great resource for this since they typically are contracted to write for many home insurance companies (usually 10 or more) and can help guide you to the right fit while also educating and consulting you along the way.
I hope this article helps! I tried to keep it as unbiased as possible. If you have any further questions I would recommend you contact your local independent insurance agent, or us :) for we would be more than happy to help! http://www.wellcoveredinsurance.com/
About the Author:
Richard Dixon is the owner operator of Wellcovered Insurance a local independent insurance agency located in Orange City, Florida.
When we think of safety in our homes, we often think of external factors. Natural disasters like earthquake, storms, floods, or even animal attacks spring to mind. We will even secure our homes from burglars and other criminals.
However, it is often neglected that our homes contain many hazards. Like the external factors, these pose a threat to our family's safety. Here are some of the home hazards you should watch out for.
Hello, and thank you for reading. This article is designed to give a quick concise explanation of how the different hurricane deductible options work.
Percentage Hurricane Deductible (most common)
First (and I believe the most mis-understood) is the percentage-based hurricane deductible. The most common hurricane deductible for home insurance in Florida is the 2% hurricane deductible. That 2% does not mean 2% of the damage caused by the storm. The 2% stands for 2% of your dwelling coverage (or Coverage A). Simply put if your policy covers your dwelling at an amount of $200,000 your hurricane deductible would be 2% of $200,000 which equates to $4,000.
Flat Hurricane Deductible (less common)
Less common but becoming more popular (especially with the recent hurricane activity in Florida) is the flat hurricane deductible. A flat hurricane deductible is just that, a flat amount (usually $500 or $1000). This is easier to understand because it is just a flat amount.
Pros and Cons of Percentage Based and Flat Deductibles
Percentage Based Deductible:
I hope this article helps! I tried to keep it as unbiased as possible. If you have any further questions I would recommend you contact your local independent insurance agent, or us :) for we would be more than happy to help!
About the Author:
Richard Dixon is the owner and operator of Wellcovered Insurance, a local independent insurance agency located in Orange City, Florida.