To get more money from your car accident settlements, you need to understand how to negotiate with an auto claims adjuster.Negotiating with an auto claims adjuster is tough. If you are unprepared, then you can end up losing thousands of dollars in your car accident claims.To begin you need to know…Who is the Car Insurance Adjuster?
The auto claims adjuster is the person who will evaluate what your auto accident settlement is actually worth.The auto insurance adjuster will:Collect and review the facts of your auto accident.
Check if you are covered under an auto insurance policy.
Investigate who was at fault for the accident.
Negotiate with you about your final settlement.
Write a check for your settlement. However, the main goal of the car insurance adjuster is to settle your accident claim quickly and cheaply. This is why the insurance company hires them and this is how it rates their performance. An insurance adjuster, who takes too long to close auto accident claims or is unable to get low car insurance settlement, is not going to make their claims supervisor happy.When you are negotiating your car insurance settlement, the two most important things you should focus on are…1. Never Rush to Finish Your Auto Insurance Settlements
The auto insurance adjuster will try to pressure you to settle your auto accident claim quickly. This is because the longer an auto settlement takes, the more money an insurance company risks of losing.You should never settle your car accident claims quickly. Even though you may want a quick accident settlement, to get your money faster and avoid the headache of dealing with the insurance companies, you will only hurt yourself in the long run.Getting a quick auto insurance settlement will not help you, if you don’t take the time to get accurate car repair estimates. A quick settlement will not help you, if your car accident injuries are not properly diagnosed and treated.These things will end up costing you a lot more money in the long run. Settling the claims quickly helps the insurance company, not you. So take your time analyzing your accident claims, speaking with doctors, getting multiple car repair estimates, and fully recovering before closing your auto insurance settlements.2. Never Accept the First Car Accident Settlement Offer
It is a common practice amongst auto claims adjusters, to give you their lowest settlement offer first. Remember, the claims adjuster’s job is to save the insurance company money, not you.The low settlement offer helps the auto claims adjuster see how desperate you are to settle. If you take the first offer, you will have missed out on a lot more money from your auto accident settlements. This is because the auto claims adjuster always has more money to negotiate with. The auto claims adjuster is given a settlement range to work with. This settlements range, depends on the how experienced the auto insurance adjuster is.For example, a relatively inexperienced adjuster may be given a range of $5,000 to $10,000. While a more experience adjuster may have $10,000-$25,000 to close a claim with.You most likely won’t know the car accident settlement range of your adjuster, but you should never accept the first offer.These are some of the most common negotiating tactics, used by the auto insurance adjuster, to lower your car accident settlements.
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Automotive Service Manger Training Process
Cars require regular maintenance and repairs. A mechanic does the physical work on the vehicle, but the service manager ensures that the dealerships service department is well run and managed. Automotive service manger training requires years. The manager needs skills gleaned from work experience, education, vocational training, and certifications in the automotive field.Service managers are usually employed at a car dealership or a vehicle service operation. Budgeting is one of the chief responsibilities of the manager. They are charged with creating the operating budget, but also making sure the department stays within the budget parameters. They have to make sure costs remain within their projected expectations. They also have to set the goals in regards to profits. Quality assurance and the high ethical standards of the operation also fall under their purview. The manager is in charge of hiring and supervising employees, especially mechanics and technicians. It’s important that the manager make sure all employees are up to date in their training and applicable skills. This insures that customers are receiving the best service possible. They oversee everything that happens in the service department of a car dealership.Both the service manager and general manager strive for the highest CSI or the Customer Satisfaction Index. Good customer satisfaction is the hallmark of a service department. These skills are an essential part of a managers training.An ever-increasing number of people who are involved in an automotive service manger training process have an associate’s or bachelor’s degree from a college or university. Suggested concentrations are in computers, automotive technology, electronics, mathematics, and business. Training can be done at a technical college, community college, or through a certification program.There are a large number of academies and vocational schools that offer certifications in automotive service, many of which can be an asset to a service manager. Dealerships appreciate varying amounts of education, training, and experience when choosing a manager. Education and experience are equally important in a manager’s training and preparation.The National Institute for Automotive Service Excellence offers several professional certifications that boost an applicant’s qualifications. A well-qualified manager should have these certifications. Many service managers already have ASE Service Consultant certification prior to beginning their automotive service manger training. Having such a certification shows a solid understanding of how to perform vehicle repair and maintenance.Technical knowledge is essential to the manager’s role in regards to quality assurance. They must know how the work is best performed and problems diagnosed, in order to be able to review and evaluate the work of technicians and mechanics. Ten to fifteen years of experience in the field of automotive technology and mechanics prior to becoming a service manager is an industry expectation.
Overview of the Ministry of Education
The MoE is New Zealand’s main state education organization.Originally there was a huge state department covering all aspects of educations, aptly named The Department of Education. This DoE was disbanded in 1989 and converted into more specialized organizations.The Ministry of Education does not teach per say but tries to set education standards in New Zealand as well as develop and expand policies.The ministry offers many services to education providers, parents and the government.They offer a wide range of services as well as information. Some of areas are listed below;Help for Education OrganizationThey get involved with education organizations to help ensure they are following the teaching guidelines and policies.They also provide support to these organizations to make sure they have all the information they need to provide a quality teaching experience to their students.Helping ParentsThey also do a great job helping parents directly.They help the parents make the right decision regarding which education organization is right for them and showing them all their options to help them make an informed decision when it comes to educating their child.Researching EducationThey also are very much involved with researching the current and future state of education systems in New Zealand. They can use this research to better help them make the right policy decisions and other aspects of education leadership.Developing PoliciesAnother responsibility of the ministry is to develop policies for the education systems in New Zealand. The aim of these policies is to help raise the standards of education.Resources for TeachersThey also provide an immense offline and online research resource for teachers. The teachers can refer to this information resource to ensure they are following the correct standards of education, ways to determining their progress as a teacher and learning about how they can further themselves by taking part in advanced scholarships.Providing Help for StudentsThey also help students directly especially for students with special learning needs. This can be a great help to the student who is having problems keeping up or following a particular education program.As well as the areas listed above they also offer a number of useful resources online including a directory listing of early childhood education and childcare providers.This is useful for parents as they can choose a certain location (region and city) and the type of service they are looking for (playcentres, casual education providers etc) and it will show them a list of providers in that area.You can click here to find the ministry’s website which has a vast array of education resources for parents, teachers and education providers.
First Line Manager – Know Thyself
In the forecourt of the Temple of Apollo at Delphi are the words, “Know Thyself.” This is an admonition to people to remember they are not God; and, to enter the Temple with humility. Ben Franklin said, “There are three things extremely hard; steel, a diamond, and to know one’s self.” Most first line managers struggle to define themselves.”Knowing myself,” as a manager is a challenge for me. This challenge started when I was twenty-four, and is still a challenge for me today. I have made progress. I know first line managers are all different; we come to the job with different expectations and experiences. I bet most of us know we have to define ourselves to the people we manage. To do this, we must first know ourselves. I am a first line manager and have been since 1971, except for two years. I can give you my perspective on some of my learning moments. I hope you can gain some insight in my progression to “knowing myself.”Being a General Manager of three motels taught me; the more managers you have between you and employees, the further you are away from the actions of the employees in the departments. I know I must transfer my energy through managers to have an impact on their department employee actions. This is hard to do. My expectations are high. I hired a college fraternity buddy of mine to manage the restaurant in my first motel. He was not effective. We discussed his lack of performance in my office. He started to cry. I learned I did not want to manage my friends. Also, I learned, I did not like being removed from the employees on the front line. This is my first realization; I missed being a front line manager. I was the restaurant manager and the General Manager of the last motel I managed. This is the best of worlds, a general manager and a first line manager.From 1976 to 1978, I work as a Territory Sales Manager for a chemical company. I am just responsible for my actions. There are no employee problems. The only employee I must motivate is me. This is easy. Each morning I get in the seat of the car at seven o’clock. I work my daily sales plan. The first year I have a forty percent sales increase in my territory. This is a lonesome job. I am alone each day; just me, a sales bag, and a car. My second realization, I miss the manager’s role; that is, working with employees to accomplish company goals. Even thought I am successful selling, I prefer managing people.Years later, the Vice President of my division said we need to get you to the corporate headquarters for more experience, my prompt answer, “I do not want to go.” I know I will not survive at the corporate headquarters, might as well admit it. I am sure this ended my journey up the corporate ladder. I am where I want to be; a first line manager, close to employees and customers.Thus, I know, I want to manage employees that are close to the customer. Even with all the issues involved with the job. Some first line managers do not come to this point and dislike handling all the issues with being a manager. Maybe they are in the wrong job.This is the point. Being true to myself makes me happy and passionate about my job.”Know Thyself.” then, “To thyself be true.”
Traditional Marketing VS Digital Marketing
Traditionally, the term “market” refers to the place where buyers & sellers meet for exchange of goods & services. Market is the very common term,known to all, but depending upon the quantity of goods handled, there are wholesale market & retail markets.
In the modern concept sense the term “market” has a broader meaning. It refers to the sets / collection of actual or potential buyers of a products & services.There are various categories of the marketing, but there are two main segment, first being the traditional marketing & second, being the digital marketing. In this article, we will discuss about these methods in details.01) TRADITIONAL MARKETINGTraditional marketing refers to any type of promotions, advertising or publicity,which are generally used by the companies/ business entities for a longer period, & that has a proven success rate.In old times, marketing was defined as the flow of goods & services from producers to consumers. This is a product oriented definition of marketing. The producer concentrate only on the products that what they can produce / manufacture, & need of consumers are not taken into the consideration.Methods of traditional techniques include print advertisement, such as newsletters, billboards, newspapers ads. Other forms are television, commercials, radio -broadcasting advertising about the product or service of any company.NEED OF DIGITAL MARKETINGSince the technology is advancing in now-a-days, that demands the change in everything. The digital marketing is a part of the computerisation. Talking for about 20 years back, there was no computers, no mobile phones & of course, no internet connection. But as the technology grows, after some time mobiles phones & computers are introduced into the life of human being. After some more time, internet facilities got introduced, which bring about the digital revolution. Examples of the digital marketing includes the websites, social media networks, emails are the common. The digital marketing is similar to traditional one but by using the digital devices & information technology. It is Faster, reliable & easy to find medium & therefore accepted worldwide.02) DIGITAL MARKETINGDigital marketing is a broad term that refers the marketing through the online medium like search engines,websites, social media networks & emails.Digital marketing is sometimes also called the online or internet marketing.Digital (latest) marketing technique include the SEO (search engine optimization), SEM (Search engine marketing), content marketing, campaign marketing, e-commerce marketing & social media marketing.There are various reason for the growth of digital marketing.1) Digital marketing techniques are more cost effective than traditional concept.
2) Digital process faster than old one, thereby result oriented.
3) Any individual / company track his/ her performance.
4) All process being reliable, generates better revenues.
5) Digital media facilitate the interaction with targeted audience.However, there are various factors that affect the process of firm’s ability to develop & maintain the successful transaction & relationships with the target customers. There is generally two types of environment inside any organisation. One is stable, not changing with time & changes are very frequent. Second being the dynamic field that keep on change according to the demand.For carrying out the successful business, either it may be old or new, one need to give the proper attention on choosing the right consumers, creating the audience & by developing the superior value of the service / products.
Habits – The Big Secret to Marketing Success
What do you think you need more than anything else to attract more of your ideal clients?Many people will say, “better information to show me how to do what works.”Others will say, “more motivation and drive to implement what I already know.”Another common answer is, “more time to fit marketing activities into my schedule.”And lots of people will say, “I need better goals and more clarity about what I want to achieve.”In writing this ezine/blog for the past 20 years I’ve talked about the importance of all of those.But I’m finally understanding a factor that is much more important: good habits.Over the past year, I’ve been a big advocate of the writings of James Clear. He writes a blog about success and habits. And he just came out with his first book, Atomic Habits, which is fantastic.Even though James isn’t a marketing expert, I’m convinced he’s right when he says that the ultimate determinant of success is building positive habits.This idea is simple but true: Self-employed professionals who establish regular marketing habits have a much better chance of succeeding than those who don’t.And the crazy thing is that the four items – information, motivation, time, and goals – I mentioned above don’t actually make a huge difference.Information. These days, we have access to more information about marketing than ever before in history. And much of it is free and instantly available through a Google or YouTube search.The problem is that most of us have not established a regular habit of studying what we need to know to become better marketers. The information is useless unless we become proficient at implementing it.And even if we pay good money for courses and programs, much of it goes to waste. I just learned recently online that 97% of people who buy a course online never complete it.Motivation. If we measured motivation by intention, we are all motivated. Don’t we all want and need to grow our businesses? But we keep getting distracted and don’t follow through on our intentions. Again, the issue is poor habits.Time. If only we had more of it. But unsuccessful marketers have just as much of it as the most successful ones. The key is that they dedicate more time to implementing regular marketing habits.Goals. Nothing wrong with goals except that they are only a starting point for success. And they can get us stuck in the future, instead of doing what needs to be done today – the routine marketing habits that we perform every day or week.”A habit or system beats a goal every time.” – James ClearThe research is in and the conclusion is clear.Establishing positive and consistent marketing habits have a bigger impact on marketing success than anything else.We may have great information, high motivation, lots of time, and clear goals, but unless marketing activities are performed regularly and habitually, the chances of success are slim to none.The question you should be asking is, “How do I start establishing better marketing habits?”James’s Atomic Habits goes to great lengths to share a multitude of ways to become an expert habit practitioner. So I highly suggest you get his book. It could be the most valuable ‘marketing’ book you’ll ever read.But let me also give you my perspective on what it takes to establish new marketing habits.The C – SPAT ModelThis is a model I came up with for one of my marketing programs.Coaching or Context. A coach declares the game, how it is played and how to win at it. And this creates the context in which you play the game. It helps if you have an outside source that can hold you accountable to play by the rules necessary to succeed.This principle is why when you’re working with a coach or in a program that you suddenly find it’s easier to take action and form positive habits. The context of the game helps shape your behaviors.Notice that all professionals such as doctors, lawyers, and accountants go through rigorous training in the form of a professional school and internship. And in this context, professional habits and protocols are established.As independent professionals, we’d all prefer to do things on our own, charting our own direction. That’s nice, except that it doesn’t always work very well, does it?Study. A big part of the game is study and learning the body of knowledge necessary to perform effectively. Again, the information required to be an effective marketer is readily available, but you need some assistance in sorting the wheat from the chaff and studying what is most useful.Planning. All successful marketing needs a plan. The alternative is implementing random marketing activities with little structure and direction. So it’s not how much you know, but how you put what you know into action.Action. Success doesn’t come from being busy or doing a lot of things, but in doing the right things at the right time. This is where establishing regular marketing habits comes in.To some, it might be writing an article once or twice a week. For others, it may mean setting up more meetings with networking contacts. Or it could be booking regular speaking engagements.The secret to making this work is to leverage the first three steps of the model – Coaching, Study, and Planning, into marketing Actions that you perform as consistently as possible.Tracking. What gets measured gets done. And when we fail to measure, habits don’t tend to stick. When we measure and track habits, the chances increase dramatically that they are performed consistently.It can take some time to establish positive habits. You know that’s happened when you don’t even have to think about it anymore; you just sit down and write that article every Monday or make five calls to prospects every week.And when you’re in action like this, you create a feedback loop, learning what works the best and what doesn’t. This enables you to fine-tune and adjust over time until your marketing habits become more established.So, stop putting so much attention on searching for the “perfect” marketing strategy, getting motivated, finding more time, and setting goals.Instead, use the C – SPAT approach to establishing positive marketing habits.Cheers, Robert
The Real Estate Investor’s Creative Financing Ideas
Finding Financing – Creative Ideas
For many years, the way to finance real estate was to make a 20% down payment, and get a loan for the remaining 80%. Of course you could make a higher down payment, but 20% was typically the minimum. Luckily, this standard has changed.
There are now several finance options available to the real estate investor. One popular way to finance your purchase is to have a second mortgage. The buyer makes a 5% down payment, and borrows the remaining 15%, usually at a higher interest rate, on a different loan.
Even though it’s nice to invest less on a property, the higher interest rate isn’t the only drawback. Usually, if the buyer does not meet the 20% minimum, they are required to get costly private mortgage insurance (PMI).
You are able to remove PMI when the loan-to-value (LTV) ratio reaches 80%. This is achieved by paying down the second mortgage and appreciation of the property value. This does not happen often because the property is usually sold or the buyer refinances before PMI can be removed.
For creative investors, other financing sources exist. Manufacturers of homes in planned developments are often willing to provide financing to early buyers.
Another risky and rather complicated way of financing a property is called ‘sub2′ which stands for ‘subject-to’. This type of deal is when the seller gives you the deed to the property, the loan stays in place, but the buyer never legally takes over the loan, just the payments. There are many different versions of this kind of transaction. Because of the complexity and risk, this method of funding an investment is not recommended for beginners.
You can also consider forming a limited partnership to finance your real estate investment. There are many different arrangements on this method. Some types involve each person in the partnership contributing in a portion of the cost, usually 50% each. However, sometimes the profit is distributed relative to the original amount invested. Another arrangement is that one half of the partnership contributes the capital, and the other half provides the needed services, such as repairs on a home that needs to be fixed. There are many different variations of this method.
How about the Lease Option? The lease-option allows a potential investor to lease the property and have some, or all, of the lease money applied to the purchase price if the potential buyer exercised the option to purchase. The investor then sub-leases the property with the option to buy or just rent it out.
In a conventional lease with option to buy, the seller charges the buyer a nonrefundable fee for the option to purchase the property at some agreed-upon point in time. The amount can vary depending on how eager the seller is to sell and the size and quality of the house. Typically, the higher the fee, the better the buyer maintains the property.
Because the lessee has made no down payment, the monthly rental fee is typically higher than prevailing market rates. The two parties agree on what portion of the rent will be applied to the down payment. Any amount can be credited.
Government loans are available to low income investors, or buyers who have served in the military. These programs are usually only available for primary residences.
Did you ever think about buying a home on a credit card? This is another method of financing your real estate purchase, although it’s usually not recommended. Obviously, the interest rates on most credit cards are substantially higher than loan rates. Another drawback is that lenders determine your creditworthiness based on your outstanding debt, and if you use credit card cash advances to cover the 5-20% down payment that you need, you’ll probably get turned down for a loan. This is also true for money borrowed from friends or family, unless you can show that the money is truly a gift.
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