Mar
13

Cheap Vacant House Insurance – Where to Get It

Do you have a vacant house that you need insured? Want to get cheap vacant house insurance with a top-rated company? Read on …

Vacant House Insurance Tips

If you own a home that's vacant you want to protect it from vandals, burglars, fire, and acts of nature. Here are some tips on how to protect your vacant house:

* Make sure you secure all doors and windows with deadbolts and window locks.

* Install a burglar alarm. The best alerts use motion sensors and glass-breakage detectors and are linked to a local security service.

* Give you a lived-in look. Install intermittent light timers, have a neighbor pick up your mail, and have someone shovel your driveway after a snowfall.

* Ask a neighbor or hire someone to periodically check the outside and inside of your home for damage, especially after a storm.

Getting Cheap Vacant House Insurance

Vacant house insurance is generally more expensive than regular homeowners insurance because there's no one living in the house to watch and protect it. However, if your house is vacant for only a short period of time, or if you hire a caretaker to look after it, your insurance rate will be less.

Other ways to save money are:

* Purchase your vacant house insurance and your car insurance from the same company. This can save you up to 30% on your insurance premium.

* Raise your deductible to an amount you can afford. Raising your deductible from $ 500 to $ 1,000 can save you 15% to 25%.

* Install safety and security features like dead-bolt locks, window locks, smoke detectors, fire alarms, and sprinkler systems. This can save you 5% to 20%.

* Compare insurance rates with at least three different companies. This is the largest money-saver of all, as insurance rates can vary by as much as $ 1,000 or more from one company to another. …

Mar
12

The Underestimated Power of Content Curation for Personal Branding

When I was little I remember trying to talk my dad into things I wanted like new shoes or a new cassette (yes I’m showing my age!) but I didn’t always go too well because mum was the boss and was in charge of those types of decisions!

So I soon worked out that if I said that mum said I could have it then dad would listen because he trusted my mum of course. Otherwise, it was just me banging on again about something I wanted. The power of being able to influence an outcome was not so much about me asking for it, but the value of the right person saying it.

Content curation in social media provides the same influence. A Content Curator is a bit like a museum curator. If you think about a Museum Curator they decide on all the artefacts that are going to go into the museum for people to come and see. Their job is to research and know what they’re looking for so the customer will come to the museum. The curator’s knowledge, expertise and experience are the most valuable skills to make it work. So as a Content Curator your skill is highlighted by the content you share on your social media.

After delivering some workshops recently I found many clients procrastinate about sharing content because they feel like it should be their own blog so they end up with less visibility. They don’t believe that curation has as much value, when in fact curation can be even more valuable.

My good friend and President of the Queensland Chapter of the Australian Marketing Institute, Kellie-Ann Robinson recently shared her insights with me being that a new role called a “Content Curator” will start to emerge in organisations in Australia and will be the new Public Relations. This week’s slideshare presentation by King Content shares some insights about the future of this type of work.

So, there are 4 big reasons why content curation works:

  • Someone else has said it: The fact that it wasn’t just you saying it and no-one else means that your opinion is validated by other experts in the field. You’re therefore opening yourself up to being more trusted.
  • You get to contrast your insights: You can combine more than one piece of information with another to curate and share your insights. You can still add your expertise, even if you don’t agree with what is being said.
  • Less “salesy“: Instead of constantly pumping out your own content and being too self-promoting, you can leverage what others say and genuinely add value to your audience without it seeming like it’s all about you just marketing your own products and services. Let’s face it we don’t like having sales talk shoved down out throat in feeds all day.
  • It’s more efficient: You spend less time writing content from scratch and more on your insights and value add. This means you can get through more, share
Mar
11

Why You Are Not Making Good Money Online

You may well have a really super product, be an expert within your field and be willing to spend several hours each day on the Internet, yet still your business fails. Why is this do you think?

Well, I will tell you. The easy access to browsing, checking your mail, and playing games is the most productive robbing and destructive element of being on line. It's so tempting to wander away from what you are supposed to be doing.

To stop this happening you need to be able to control your online time and here are a few tips to help you do this.

  1. Prior to sitting down in front of your computer make a list of the tasks you have to complete and how long you expect they will take.
  2. Allocate a specific amount of time for your mail to be read and answered, say 15 minutes or so and always answer the most important ones first. As soon as your 15 minutes are up, start to tackle the next task on your list.
  3. Fifteen is a good number so use it again and limit the time you spend surfing to 15 minutes.
  4. Be focused when you are searching for new information or new ideas. You do not want to spend hours reading on line and having nothing to show for it at the end. If you do not find what you are looking for stop your research until later on when you have completed your other tasks.
  5. Be determined to take action. When you have discovered how to do something get on with it straight away. If you stay online looking for more information, the real work will never get done.
  6. Your free time and work time need to be balanced if you are working from home. Concentrate on what you are doing and do not keep stopping to do something else around the house.
  7. Likewise when you are not working, stay away from the computer. Do not keep checking your new emails every ten minutes. Nothing is going to be so important that it can not wait until the morning. Work time and free time need to be kept separate or you will find yourself in a dangerous cycle of distraction which will result in a complete lack of productivity.
  8. Stick rigidly to a specific amount of online time each day.
Mar
10

5 Simple ways businesses can save money

Running a business can be an expensive venture. However, costs does not need to be high at all times. Here are 5 simple methods to consider in reducing those outgoing costs for your business.

  1. Reducing labour costs

 

Reducing labour costs by hiring interns to take some burden off the workload. Not only they are given the opportunity to have work experience, businesses can benefit from low cost labour. Most of the time, they would need to be trained on how to use softwares and the company processes, so the costs and advantages must be considered when considering this method.

Otherwise, outsourcing labour by hiring short term freelancers to help out on projects is a great alternative. The main advantage of this method includes not paying a full time salary, and that  consideration can be made in hiring them for current or possible positions after the project has ended. This would reduce significant costs in recruiting and training talent.

It is important that businesses have professional indemnity insurance in cas3 any mistakes are made, and protect from any legal costs incurred.

  1. Use of technology

By utilising free cloud technology such as Google documents, this would reduce cost on software and save money on expenses such as printing on paper.

Furthermore, using Skype for business meetings nwould reduce costs, stress and time in travelling for business meetings. This can be also cost effective if some businesses also allows workers to work from home, and communicate through emails and work chat groups. As a result, businesses may see a reduction in electricity bills, and employees they can have that work life balance. This may help in achieving a smaller office which would reduce operational costs.

  1. Paying invoices promptly

 

By paying invoices without delay, a discount may be granted by your supplier if they receive it earlier in the first couple of days. This method is advantageous in building a good long term relationship with suppliers. In addition, businesses can gain leverage in negotiating prices with suppliers, as they would rather keep them as their regular customer instead of becoming their loss.

  1. Used equipments

Good quality, second hand softwares and equipments can be found at a discounted price since technology are constantly being innovated replacing older versions. Second hand equipment can be still as useful at a lower price which can help in reducing expenses. Or if it is on a temporary basis, there are options to rent equipments too which would be a great alternative in helping businesses save,

 

  1. Arranging lower credit card Annual Percentage Rate (APR)

As a business, benefits can be gained from credit card packages from your credit card lender such as flexible borrowing. Credit cards may be used for business travel expenses or minor purchases. Businesses can negotiate for lower credit card APR with their lender should they find themselves paying a high annual percentage rate. Thus, they can reduce costs and create huge savings in the long term.

 …

Mar
9

Car Insurance – Find The Right Provider For You

With all of the different car insurance companies available in the insurance market today, finding the right one can be an extremely difficult task. In fact, it can be downright nerve wracking to say the least. Many car insurance companies offer different kinds of packages, perks, and service to their customers. How do you know which one is best suited for your needs? How do you choose? In this article, we will discuss just how you should go about choosing the right car insurance company for you.

There are several different aspects that you need to look at when choosing a car insurance company and it is about more than just the price of the premiums you are required to pay. While cheaper is definitely better for most people, it could mean you are sacrificing other very important aspects. However, on the other hand, more expensive is not always better either. Here are some additional things you should be considering:

Customers Are # 1

The most important aspect that you should hold in high priority is customer service. You want to be sure that the company you choose puts customer service as high as possible on their list. This should be reflected in any person you deal with from the telephone operators, to the agents, to the insurance claim adjusters on the field. You should be treated with respect, compassion, and in a quick and fair manner.

You can often get your first glimpse into their customer service priorities just by speaking to someone over the phone. Call the company up, ask questions, find out how knowledgeable, friendly, and fast the person on the other end is.

Helpfulness

While this is relative to customer service, helpfulness describes its own consideration. The agents you deal with should be helpful in satisfying your needs. They should understand when you say no, you mean no. You may not want or need that extra insurance add on. However, at the same time, if you need something extra, they should be extremely helpful in finding it, changing your policies, and answering any questions you may have.

Availability and Response

You want a car insurance company that will respond to your needs immediately, not the next day or week. You need an insurance company who has someone on hand to handle your claims, accidents, or even assistance if you are stranded along side the road. Many insurance companies now offer free or additional road side assistance to their customers.

Finding the above can be difficult, because all companies will claim to offer the same type of service. However, to get a really good idea look to their present or past customers. Friends, family members, and colleges can be of great help in this area. Ask them who they use, how happy they are with that company, why they chose that company, and what companies they do not recommend, as well as why do not they recommend them. This is a great way to choose the right …

Mar
9

Personal Fitness – Six Things You Will not Know About Stretching For Fitness Until You Read This

If you research the subject of stretching thoroughly, one thing becomes glaringly obvious. There are conflicting views as to what is or is not true, what you should or should not do and how you should or should not do it.

Basically the latest research does not support all of the information that many fitness 'gurus' have been handing down for years. So what does the latest research say? I'm glad you asked!

1. Stretching is goal specific. Meaning the way you'll stretch as part of your cardiovascular or resistance routine will not be the same as the way you'll stretch for improving your range of motion.

2. Stretching after exercise does not prevent post-exercise muscle soreness. There is also little or no support for the theory that stretching immediately before exercise can prevent either overuse or acute sports injuries.

3. Dynamic or Ballistic Stretching is heading the way of the dinosaur. The forceful, jerky movements have been known to cause micro tears in the muscle fibers. Bouncing and pulling your muscles with force is one way way ticket to soreness, injury and joint pain.

4. Static stretching is one of the safest ways to stretch. After a proper warm-up, assume a maximum stretch position for each muscle and hold for 30 seconds. Shorter durations do not produce desired results and longer durations do not significantly increase benefits.

5. PNF Stretching is a technique which involves a combination of alternating static stretches with isometric muscle contracting. It was first used by physical therapists for injury prevention and rehabilitation. Proprioceptive Neuromuscular Facilitation (PNF) is considered the fastest way to improve range of motion.

6. Visualize while stretching each muscle group. You've got to be 'plugged in' mentally to get the best result. Take this quiet stretch time to improve your body awareness. Focus on what you're doing. Even in a recession, I do not think you're too poor to pay attention. …

Mar
8

Staff Turnover: The Way Your Building Can Assist in Retaining An Occupier’s Workforce

Have you had thoughts about how to retain the best talent in your workplace? How does your company premises have an impact on your personal staff turnover? You may think its all based on benefits, perks and bonuses? These aspects may be important, but actually are only the tip of the iceberg. Your building and the way in which it is managed is able to address a number of factors associated with staff contentment and wellbeing. In the highly competitive environment where a variety of owners of companies have problems when it comes to retaining the workers that are the best-skilled, we have identified 7 parts of a working life that should be considered. In addition, we will give you information of how your company building is able to support you when it comes to the achievement of workplace satisfaction.

1. Appreciating Your Staff

“To achieve full appreciation, business owners need to go beyond the lavish Christmas parties and bonus packages,” explain training experts at GBS Corporate Training. You may have heard about the “sick building” syndrome, as well as how air quality in buildings impacts on the inhabitant’s wellbeing. Appreciation is easy to foster with the simple act of offering a clean, well maintained and high-quality workspace. This is typically achieved through up-to-date and hi-tech air-conditioning systems, along with ensuring regularly managed and maintained spaces.

2. Embrace the Talents of Your Employees

You may have often heard your colleagues complaining that it is either “too hot or too cold to work!” Offering a work environment that allows your employees a way in which to reach their best abilities often begins with a simple act of making sure the working environment stays constant and comfortable.

3. Keep Communication Lines Open

Any organisation should work towards a culture in the working environment that allows staff from every level to be heard and express their personal views. At the most basic of levels, the acoustics in a workplace play a role. With an improvement in acoustics within the workplace, it represents around a 67% increase when it comes to accuracy.

4. Build Up a Culture Based on Fairness

It is a worthwhile consideration to think about how your workplace is laid out and how it is able to encourage ownership over spaces. For employees on every level, they should feel like they are freely allowed to use meeting rooms or devising a flow of the office to avoid division between the different departments. This all plays a significant role in the establishment of a working space that is comfortable.

5. Achieving Life/ Work Balance

There are a number of ways in which to progress towards these goals and is one of those factors that are highly flexible and subjective. The wellness and health of your employees are easy to incorporate into working days if your building allows for a way. This can mean using communal spaces that are dedicated to social or health events. An example of …

Mar
8

The Easiest Way To Get Insured

These three methods are used by millions of people to find their insurance, and everyone uses them in different ways. So, which is the best way? And how can you get insured as quickly as possible on a great policy?

The fastest way for sure is to use the internet. Instead of spending hours on the phone and walking along the high-street, you are just a few clicks away from pretty much any major insurance company in the world. You can search for them based on their reputation, or their prices, or any other criteria that you are looking for, and there are no shortage of websites to help you choose a particular insurance company. All this can be done with minimal stress, minimal hassle, and can easily be logged so you know which insurance companies you have considered, which you have chosen to avoid, and which you are interested in.

Another great advantage of using the internet is that you can get a quote in a matter of minutes. Instead of lengthy phone calls and long interviews, you can simply input your data into a short form and you’ll get an accurate quote back immediately. Most decent insurance companies offer this capability these days, and you’d be surprised how accurate the quotes can be. Of course, if you have some exceptional circumstances or there is important information that the form doesn’t cover, the quote won’t be as accurate as possible, but it will certainly give you a fairly good indication of what you could end up paying. With such a quick way of getting a quote, you can easily rule out any insurance companies which you can see are instantly far too expensive (or even far too cheap). You can do this easily, and without the insurance company hassling you like they might do if you were talking to them on the phone or in person. You can then simply move on to the next insurance company if you weren’t happy with the quote, or start the process if you were.

Once you’ve found and chosen the insurance company you want to work with, the internet once again comes to your rescue. Instead of filling out lengthy forms, and having to keep calling the insurance company, everything can be handled online. This has numerous advantages; every communication you have with the insurance company is tracked, so you know that if there are problems in the future, you have everything on record. Another advantage is the fact that everything will be kept organized, and you’ll be able to quickly email the person in charge of your case. Everything about your policy will be clearly presented to you on the page, and you won’t need to worry about any nasty surprises in the future.

Once your policy has started, you’ll have all the necessary contact details you might need, you’ll be able to print the terms of your policy, pay your bill, and inform the insurance company of any potential changes …

Mar
7

Tips For First Time Car Insurance Buyers

Just bought your first car? Well the next step is to insure the vehicle and gain peace of mind. Never take what the car seller suggests or offers. Be a knowledgeable insurance buyer and purchase auto insurance that will suit your needs and not pinch your pocket.

Unlike a few years ago you do not have to visit offices of auto insurers or meet with auto insurance brokers or agents. You can complete the whole process online by logging on to one of the many websites that offer auto insurance.

First determine how much insurance you need. This can be computed from factors like your income, assets, commitments, loans, how many dependents you have, the make of the car, its use, and so on. Compute your auto insurance needs by meeting with an experienced auto insurance broker or by using the online worksheets and tools.

o Visit an auto insurance website that offers policies from several different auto insurance providers. Fill the form online and get free quotes from four or more companies. Study what is on offer and the costs. Premiums payable for auto insurance vary widely from company to company. Along with pricing study the features being offered and the benefits. Always read through the fine type in brochures and the contract offered.

o Make all efforts to understand the auto insurance policy. Check on:

o Who is covered?

o What coverage exclusions and limitations apply?

o What is the period of insurance coverage is?

o What is the amount of coverage?

o How does clam is to be made?

o What is the cost of policy is? This should include comprehensive costs like processing fees, premium payable, and any other fee charged by the auto insurer.

o Make sure the company is offering competitive rates and that the policy states clear when you need to make changes. If you get married or rented, move home, or change cars then you need to contact the auto insurance company who has insured your car.

o Keep abreast of changes in law and new products introduced into the auto insurance market. Keep your finger on the pulse of the industry and always take an auto insurance policy from an insurance provider that gives you the best deal.

Taking out an auto insurance policy for the first time can be frightening. What you need to do is not panic and make an effort to find out as much as possible about car insurance. Learn the terminology used, know how much insurance will grant you peace of mind, learn about the different kinds of policies and what each offers. Arm yourself with knowledge and you will never despair. You will be able to select the most appropriate insurance policy for your first car without any trouble. …

Mar
5

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