Friday, November 28, 2008
The Importance Of Research When Obtaining Business Insurance
Most savvy businessmen will recognise that operating a company carries an inherent risk that can affect the stability of the operations as well as its financial foundations.This is true for almost all types of business and hence having an expansive insurance policy is vitally important.Those without insurance should be acutely aware that their business is at great risk and hence obtaining insurance is essential.It is hoped that the following article will highlight the importance of insuring a companys operations and what is included in the process of signing up to a policy.
Small businesses are especially vulnerable and hence need insurance more than larger companies.This is because smaller companies find it harder to absorb financial difficulties and recover from unexpected circumstances.Subsequently having an effective policy is crucial should a business be protected from unforeseen events, not only does it secure an operation, but reduces stress for the company owner.
Before heading out in fear however it is important to take a conscientious and logical approach to selecting a policy.The first step is to assess exactly the level of cover that will be required.By understanding what parts of the operation must be protected it is possible to secure a policy that suits the needs of the company.The result is a smaller financial expense, as having cover for circumstances that will not arise is a waste of money.Ultimately obtaining only the policy inclusions that are vital to your operations is the preferred outcome.
As with any expenditure it is always advisable to research all of the options out there before making a purchase.Insurance can be befuddling at times although by using internet forums and advice websites it is possible to gain an understanding of exactly what you will need.The other option is to employ an insurance broker, a good one will only present you with what you need and will not give you a policy full of useless inclusions.Once again however researching the history of a particular broker is always advisable; normally using a personal recommendation is the best course of action.Of crucial importance is to ensure you are not underinsured, while it may be cheaper in the short term, it can work out far more expensive in the long run.
Once the research has been complete the next step is to assess the policies on the market and which are the best deal.Remember however that the cheapest price does not always relate to the best deal, in the decision making process the balance between costs and services should always be considered.Shopping around is vital, with so many insurers out there the deals to be had are vast.In some cases it can even be advisable to have different policies with a variety of companies if they offer the best deal on a certain policy inclusion.
Once you have selected the coverage and policies that you require, make sure to read the contract in detail.Make an understanding of exactly what you are paying for, never make assumptions that you are covered for a certain circumstance, finding out you are not covered after the event can become very expensive.Once again this highlights the importance of research in the process.
It is hoped that this article, however brief, has given the reader a better understanding of the world of business insurance.The main point has been the importance of research and a conscientious approach to purchasing.By following this advice your company should receive the right level of cover at an attractive price.
About the Author
Small businesses are especially vulnerable and hence need insurance more than larger companies.This is because smaller companies find it harder to absorb financial difficulties and recover from unexpected circumstances.Subsequently having an effective policy is crucial should a business be protected from unforeseen events, not only does it secure an operation, but reduces stress for the company owner.
Before heading out in fear however it is important to take a conscientious and logical approach to selecting a policy.The first step is to assess exactly the level of cover that will be required.By understanding what parts of the operation must be protected it is possible to secure a policy that suits the needs of the company.The result is a smaller financial expense, as having cover for circumstances that will not arise is a waste of money.Ultimately obtaining only the policy inclusions that are vital to your operations is the preferred outcome.
As with any expenditure it is always advisable to research all of the options out there before making a purchase.Insurance can be befuddling at times although by using internet forums and advice websites it is possible to gain an understanding of exactly what you will need.The other option is to employ an insurance broker, a good one will only present you with what you need and will not give you a policy full of useless inclusions.Once again however researching the history of a particular broker is always advisable; normally using a personal recommendation is the best course of action.Of crucial importance is to ensure you are not underinsured, while it may be cheaper in the short term, it can work out far more expensive in the long run.
Once the research has been complete the next step is to assess the policies on the market and which are the best deal.Remember however that the cheapest price does not always relate to the best deal, in the decision making process the balance between costs and services should always be considered.Shopping around is vital, with so many insurers out there the deals to be had are vast.In some cases it can even be advisable to have different policies with a variety of companies if they offer the best deal on a certain policy inclusion.
Once you have selected the coverage and policies that you require, make sure to read the contract in detail.Make an understanding of exactly what you are paying for, never make assumptions that you are covered for a certain circumstance, finding out you are not covered after the event can become very expensive.Once again this highlights the importance of research in the process.
It is hoped that this article, however brief, has given the reader a better understanding of the world of business insurance.The main point has been the importance of research and a conscientious approach to purchasing.By following this advice your company should receive the right level of cover at an attractive price.
About the Author
Financial expert Thomas Pretty looks at the importance of
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Learn to Build an Ideal, Secure Lifestyle
Do you already enjoy an ideal, secure lifestyle
Here are a few questions to help you check on whether you do:
Think back to 6:30 p.
m.on your last day of work.Were you at home If not, why werent you at home with your loved ones What could possibly have been so important at work that it took you away from your family
How do the hours you spend commuting each week compare to the number of hours you spend in loving conversations
What things frighten you Why are you frightened
Will your children and grandchildren have more loving childhoods while they live at home than you did
Will you be able to retire when you want Why would you ever need to retire if your work is enjoyable and an ideal complement to your family life
How is your relationship with God Do you always have the freedom to follow His ways
How much energy and enthusiasm do you have when you awake each morning
If you were to die tonight, how would you assess the quality of your life in the last year
Those are the kinds of questions that people with careers sometimes ask themselves.
While its good to ask the questions, its far more important to answer the questions and then act on what your answers tell you should be done.
For as far back as anthropologists can describe daily human life, most people have had to work hard and for long hours.However, unless someone was a slave, work usually involved being close to family and friends.
It has only been since the factory system arose in the last few centuries that long hours meant long periods of separation from family for most people.During the post-industrial age in economically advanced countries, most work continues to involve separation from family.
Fighting against that separation, many people are finding that there are rewarding careers that can be engaged in at home or in a business where the whole family can be either present or nearby.Examples include creating art, farming, online sales and services, psychiatry, software development, tutoring, and writing.
In fact, many creative jobs can be better performed in friendlier environments.The extra nurturing such environments bring can improve emotional stability and encourage creative risk-taking.
However, most people fall into a way of earning a living, rather than choosing a lifestyle to live.Thats a mistake.
If you realize youve made that mistake, how can you adjust Let me share an example with you of someone who has designed and is creating an ideal, secure lifestyle that many people would enjoy.
Leon Holtzhausen holds an MBA degree from Rushmore University where he is now a Ph.D.candidate.He became interested in academic studies late in life.As a youngster, Mr.Holtzhausen was far more interested in sports and exploring the world.For instance, he hitchhiked through 16,000 miles of the United States after graduating from college.
Mentors played a big role in his life by suggesting what kind of jobs he should seek, what experiences he should gain, and what kind of career he should aim for.We should all be so lucky to have such good mentors.
But the biggest and most positive change in his life came when he married a woman with a deep passion for horses and a well-grounded sense of right and wrong.His wifes character became a bed rock on which Mr.Holtzhausen built his life choices.After their children were born, the Holtzhausens moved from South Africa to Germany, believing there were opportunities there for a solid career and an ideal family life.After the move, Mr.Holtzhausen found corporate life to be a bit disappointing in terms of his colleagues ethics.He therefore switched to management consulting where he was more frequently able to act with personal integrity.Unfortunately, his consulting assignments were hard work and frequently took him far away from home.He recently returned to corporate life, leading a large change management initiative for a major company.
When hes home, life is wonderful for everyone in the family.The Holtzhausens own a farm near the Baltic coast where they are exploring Mrs.Holtzhausens interest in breeding Trakehner horses large, intelligent, well-tempered, and sturdy horses developed from the original breeding stock at an eighteenth century East Prussian farm that perform well in dressage competitions.Their horse farm is in a rural setting that permits their children to grow up away from the tensions and traumas of an urban neighborhood.In fact, Mr.Holtzhausen likes to dream about what it would be like to retire there:
"I picture myself on a Sunday afternoon, sailing down the Peene River with a basket of goodies, a good book, and a fishing rod with no hook, never wanting to catch anything, but simply enjoying the occasion.
"
Mr.
Holtzhausen enjoys some aspects of business and doesnt want to quit altogether after he retires from the corporate world.Instead, he imagines making the breeding farm pay and supplementing that income with a small business operated from home.
We all have dreams, and this is a nice one.Why might Mr.Holtzhausen be able to grasp this dream at a young enough age to enjoy it with his wife and children
First, the ideal home is owned and at-home occupations have already begun through buying the farm and starting to breed horses.
The home, farm, and horses are enjoyed by his family while he is at work and by him whenever he is home.
Second, by earning an MBA degree, Mr.Holtzhausen built the knowledge and credibility base that has profitably boosted his current career through gaining a solid business understanding and becoming a more informed supporter of his wifes breeding activities.In the future, he intends to use this knowledge to start a new business.The degree was also a personal milestone in light of his earlier academic limitations.He is excited about the new learning that his Ph.D.studies are bringing, and he looks forward to the recognition and respect that a doctorate will bring him.
Third, he has set specific goals and dates for gaining this ideal life ...dates that are not too far in the future.
Let me ask you these questions to help you gauge how well you are doing:
1.
What is an ideal, secure lifestyle for you
2.
What plans do you have to gain that lifestyle
3.
Do you have goals and dates set for accomplishing this lifestyle
4.
Are you accumulating the knowledge and resources that can speed fulfillment of the plans
5.
Are you ahead of or behind schedule in meeting your targets
If you arent satisfied with your progress, step back now and develop the necessary plans, knowledge, and resources to accomplish what you want in the near future.
You and your family wont be getting any younger.
About the Author
Here are a few questions to help you check on whether you do:
Think back to 6:30 p.
m.on your last day of work.Were you at home If not, why werent you at home with your loved ones What could possibly have been so important at work that it took you away from your family
How do the hours you spend commuting each week compare to the number of hours you spend in loving conversations
What things frighten you Why are you frightened
Will your children and grandchildren have more loving childhoods while they live at home than you did
Will you be able to retire when you want Why would you ever need to retire if your work is enjoyable and an ideal complement to your family life
How is your relationship with God Do you always have the freedom to follow His ways
How much energy and enthusiasm do you have when you awake each morning
If you were to die tonight, how would you assess the quality of your life in the last year
Those are the kinds of questions that people with careers sometimes ask themselves.
While its good to ask the questions, its far more important to answer the questions and then act on what your answers tell you should be done.
For as far back as anthropologists can describe daily human life, most people have had to work hard and for long hours.However, unless someone was a slave, work usually involved being close to family and friends.
It has only been since the factory system arose in the last few centuries that long hours meant long periods of separation from family for most people.During the post-industrial age in economically advanced countries, most work continues to involve separation from family.
Fighting against that separation, many people are finding that there are rewarding careers that can be engaged in at home or in a business where the whole family can be either present or nearby.Examples include creating art, farming, online sales and services, psychiatry, software development, tutoring, and writing.
In fact, many creative jobs can be better performed in friendlier environments.The extra nurturing such environments bring can improve emotional stability and encourage creative risk-taking.
However, most people fall into a way of earning a living, rather than choosing a lifestyle to live.Thats a mistake.
If you realize youve made that mistake, how can you adjust Let me share an example with you of someone who has designed and is creating an ideal, secure lifestyle that many people would enjoy.
Leon Holtzhausen holds an MBA degree from Rushmore University where he is now a Ph.D.candidate.He became interested in academic studies late in life.As a youngster, Mr.Holtzhausen was far more interested in sports and exploring the world.For instance, he hitchhiked through 16,000 miles of the United States after graduating from college.
Mentors played a big role in his life by suggesting what kind of jobs he should seek, what experiences he should gain, and what kind of career he should aim for.We should all be so lucky to have such good mentors.
But the biggest and most positive change in his life came when he married a woman with a deep passion for horses and a well-grounded sense of right and wrong.His wifes character became a bed rock on which Mr.Holtzhausen built his life choices.After their children were born, the Holtzhausens moved from South Africa to Germany, believing there were opportunities there for a solid career and an ideal family life.After the move, Mr.Holtzhausen found corporate life to be a bit disappointing in terms of his colleagues ethics.He therefore switched to management consulting where he was more frequently able to act with personal integrity.Unfortunately, his consulting assignments were hard work and frequently took him far away from home.He recently returned to corporate life, leading a large change management initiative for a major company.
When hes home, life is wonderful for everyone in the family.The Holtzhausens own a farm near the Baltic coast where they are exploring Mrs.Holtzhausens interest in breeding Trakehner horses large, intelligent, well-tempered, and sturdy horses developed from the original breeding stock at an eighteenth century East Prussian farm that perform well in dressage competitions.Their horse farm is in a rural setting that permits their children to grow up away from the tensions and traumas of an urban neighborhood.In fact, Mr.Holtzhausen likes to dream about what it would be like to retire there:
"I picture myself on a Sunday afternoon, sailing down the Peene River with a basket of goodies, a good book, and a fishing rod with no hook, never wanting to catch anything, but simply enjoying the occasion.
"
Mr.
Holtzhausen enjoys some aspects of business and doesnt want to quit altogether after he retires from the corporate world.Instead, he imagines making the breeding farm pay and supplementing that income with a small business operated from home.
We all have dreams, and this is a nice one.Why might Mr.Holtzhausen be able to grasp this dream at a young enough age to enjoy it with his wife and children
First, the ideal home is owned and at-home occupations have already begun through buying the farm and starting to breed horses.
The home, farm, and horses are enjoyed by his family while he is at work and by him whenever he is home.
Second, by earning an MBA degree, Mr.Holtzhausen built the knowledge and credibility base that has profitably boosted his current career through gaining a solid business understanding and becoming a more informed supporter of his wifes breeding activities.In the future, he intends to use this knowledge to start a new business.The degree was also a personal milestone in light of his earlier academic limitations.He is excited about the new learning that his Ph.D.studies are bringing, and he looks forward to the recognition and respect that a doctorate will bring him.
Third, he has set specific goals and dates for gaining this ideal life ...dates that are not too far in the future.
Let me ask you these questions to help you gauge how well you are doing:
1.
What is an ideal, secure lifestyle for you
2.
What plans do you have to gain that lifestyle
3.
Do you have goals and dates set for accomplishing this lifestyle
4.
Are you accumulating the knowledge and resources that can speed fulfillment of the plans
5.
Are you ahead of or behind schedule in meeting your targets
If you arent satisfied with your progress, step back now and develop the necessary plans, knowledge, and resources to accomplish what you want in the near future.
You and your family wont be getting any younger.
About the Author
Donald W.
Mitchell is a professor at Rushmore University, an online school.For more information about
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Thursday, November 27, 2008
Planning for the Future through Employee Coaching
Is your organization ready to address future staffing needs Planning for the future through employee coaching is a great way to know, without assuming, who is ready to move up the corporate ladder and who should move on.Whether youre an executive, a manager or a team leader, the following information will be beneficial to you.
Even employers with the best of intentions are guilty of assuming too much.As they see workers of different ages, genders and racial makeup working side-by-side, they might think that this one fits in a group that wants to multitask at a fast pace because she is young, while her counterpart from another generation is interested in slowing down.
As we learn from experience, assumptions are often wrong.That young person may prefer devoting her attention to one workplace issue at a time, while her older co-worker is the multi-tasker.Many things, including life stages, could affect each of them.And if a leader changes work assignments based on erroneous assumptions, he could end up with disgruntled or absent employees, high turnover and unfinished projects.
The only truly effective method of managing diverse employees is to look at each one as an individual and to understand what motivates them.Then, coach them regularly to get the behavior you want.
Last month we stressed the importance of coaching and how effective coaches connect with individual employee needs.Supporting our goal of knowing what it takes to engage our workers and coaching them regularly to higher performance levels is research we conducted with The Concours Group and Age Wave.The findings, published in the manual WHY We Work, helpfully define six different segments of employees working in our organizations.This research found that different groups of people need different things to remain engaged on the job.This finding is widely relevant because most organizations, especially large ones, contain some of each group.
Briefly, the six worker segments include:
1.
Fair and Square Traditionalists, who make up the largest part of the workforce at 20 percent.They are loyal and traditional, as their name implies, and want their work to provide stability and a secure future.
2.Stalled Survivors, who represent 19 percent of the workforce.These workers see their jobs as a necessity.It is not the most satisfying part of their lives.These are often a firms younger workers.
3.Accomplished Contributors, about 17 percent of the workforce.These loyal players often go above and beyond.They place a high value on teamwork.
4.Demanding Disconnects, 15 percent of our workers.As their name suggests, they are the least satisfied with work and the least committed to it.
5.Maverick Morphers, also about 15 percent of the workplace.These workers are generally young, like excitement, and do not fear taking risks.
6.Self-Empowered Innovators, about 14 percent.These employees make up the most engaged segment of the workplace and derive personal satisfaction from the job.
As Baby Boomers retire in larger and larger numbers, the workforce will contract.That means you will have a smaller pool of potential employees to choose from, and they will reflect all of the differences you see in our changing society.To succeed at coaching and managing, employers will have to study their workforce more intently than they did before and learn what makes them tick.
You are likely seeing these different segments in your workforce now, and perhaps did not fully understand the transformation taking place or realize how widespread the changes were.Now that you know, why not take the time to find out what your employees want on the job
Assessments can aid you in identifying job fit and worker satisfaction, which can lead you to the best segment makeup for your organization.
They can tell you which employees are well suited to their positions and which ones might benefit from a change.Once you know your employees, you will know which ones work most productively together and the combinations that could lead to disaster.And as your organization delves more deeply into coaching, your leaders will thank you for charting the territory in advance.
About the Author
Even employers with the best of intentions are guilty of assuming too much.As they see workers of different ages, genders and racial makeup working side-by-side, they might think that this one fits in a group that wants to multitask at a fast pace because she is young, while her counterpart from another generation is interested in slowing down.
As we learn from experience, assumptions are often wrong.That young person may prefer devoting her attention to one workplace issue at a time, while her older co-worker is the multi-tasker.Many things, including life stages, could affect each of them.And if a leader changes work assignments based on erroneous assumptions, he could end up with disgruntled or absent employees, high turnover and unfinished projects.
The only truly effective method of managing diverse employees is to look at each one as an individual and to understand what motivates them.Then, coach them regularly to get the behavior you want.
Last month we stressed the importance of coaching and how effective coaches connect with individual employee needs.Supporting our goal of knowing what it takes to engage our workers and coaching them regularly to higher performance levels is research we conducted with The Concours Group and Age Wave.The findings, published in the manual WHY We Work, helpfully define six different segments of employees working in our organizations.This research found that different groups of people need different things to remain engaged on the job.This finding is widely relevant because most organizations, especially large ones, contain some of each group.
Briefly, the six worker segments include:
1.
Fair and Square Traditionalists, who make up the largest part of the workforce at 20 percent.They are loyal and traditional, as their name implies, and want their work to provide stability and a secure future.
2.Stalled Survivors, who represent 19 percent of the workforce.These workers see their jobs as a necessity.It is not the most satisfying part of their lives.These are often a firms younger workers.
3.Accomplished Contributors, about 17 percent of the workforce.These loyal players often go above and beyond.They place a high value on teamwork.
4.Demanding Disconnects, 15 percent of our workers.As their name suggests, they are the least satisfied with work and the least committed to it.
5.Maverick Morphers, also about 15 percent of the workplace.These workers are generally young, like excitement, and do not fear taking risks.
6.Self-Empowered Innovators, about 14 percent.These employees make up the most engaged segment of the workplace and derive personal satisfaction from the job.
As Baby Boomers retire in larger and larger numbers, the workforce will contract.That means you will have a smaller pool of potential employees to choose from, and they will reflect all of the differences you see in our changing society.To succeed at coaching and managing, employers will have to study their workforce more intently than they did before and learn what makes them tick.
You are likely seeing these different segments in your workforce now, and perhaps did not fully understand the transformation taking place or realize how widespread the changes were.Now that you know, why not take the time to find out what your employees want on the job
Assessments can aid you in identifying job fit and worker satisfaction, which can lead you to the best segment makeup for your organization.
They can tell you which employees are well suited to their positions and which ones might benefit from a change.Once you know your employees, you will know which ones work most productively together and the combinations that could lead to disaster.And as your organization delves more deeply into coaching, your leaders will thank you for charting the territory in advance.
About the Author
Jim Sirbasku is co-founder and CEO of Profiles International, a leading provider of human resource management solutions and employment assessments for businesses worldwide.
Learn more about how assessments can help your organization
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Sunday, November 23, 2008
Forex Course Trading - There Are So Many Forex Courses Which One is the Best for Me?
AB Labs - Software Catalog (All software with 10% discount!)
The Foreign Exchange markets (Forex or FX) were deregulate in 1997 allowing the private investor access to markets banks, brokerage firms and other large financial institutions once had a monopoly on.The novice FX traders quickly entered the market and just as quickly they realized they were in for a long learning curve if they were ever going to make this a profitable transition and thus a market was created for Forex Course Trading.Numerous types of educational programs where produced, refined and marketed to the public.Today there are so many courses it can be a mind boggling task attempting to select the one best suited for you particular needs.I will attempt to clarify this a little bit for you and make the decision making process a little simpler.The first point I want to make is that the majority of the course are extremely inexpensive usually running $100 to $200.I know you saying to yourself that is not inexpensive.But, when you take into consideration that one small trade of a currency can easily make up the purchase price of the course then it is VERY inexpensive.The next subject is the types of courses.There are wide assortment of curriculum available covering extremely varied topics.The major segments the courses can be broken into are the following; comprehensive or covering everything A to Z, profiting quickly through mentoring, make money starting with small amounts, and very specific to the developers own experiences and how they profited using them.
If I was a complete novice to the markets I would start with a comprehensive course that provided an education on all aspect of the markets.After all, education is the corner stone of success in what ever field you attempt to enter.Are you really going to purchaser software and start trading something you know NOTHING about?This is a real bad idea, unless of course you need the losses to reduce you capital gains made else where to decrease your tax burden.
A few of the comprehensive courses you could try would be the following.The Peter R.Bain course titled Forex Mentor which has been around seemly forever and has had thousands of satisfied customers.This course covers everything and has been refined a thousand times over.Another class you could take would be Fap Winner which offers a great education and a personalized mentoring program.Those are just two of the TOP TIER rated courses and there are a few more.Just read the reviews of the courses which are available everywhere and the home page of the course and determine which one you think will be best for you.
The next step you could take would be to enroll in a course like The Forex Brotherhood or Forex Trading Made E-Z.The Forex Brotherhood is run by Jason Alan Jankovsky a professional Forex trader who essentially allows you to copy his complete trading portfolio.In other words you are virtually assured to be profitable immediately with this course.But, then again you would have NO idea of how and why you were making money for an extended time as you are just coping his ever move.But, it is a great place to start if you want to make money fast and you don't really need to know how.Or you are willing to take your time learning, because he will teach you, it is just not going to be too quickly.The Forex Trading Made E-Z program was developed by an ex pilot who has found a very specific way of trading currencies and making money at it, which of course he teaches you.
After reading this article it is easy to see there are many different types of courses available, only a few were mentioned above.If your out to make a fast buck and you are not concerned with why or how you are making it then there is a course for you.If you want to turn this into a career and want financial independence, then there is a course for you.If you want to buy a piece of software and turn on the automatic trader and start making money, well there really is NOT a course for you, but you will have losses you can use to offset you gains made else where to reduce your tax obligation.
About the Author
We have researched, tested reviewed 100s of Forex Courses, Software Systems and Brokerage Firms which we only list our TOP 10 to help you LEARN FOREX TRADING.
For 100s of FREE FOREX TUTORIALS please visit LEARN CURRENCY TRADING.Good Luck!I look forward to seeing you on the trading floor making money!
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