1. It is essential to shop around for insurance coverage
Blindly sticking with one company year after another will not result in the best coverage or the lowest rates. It is a good idea to bring three agents every year or less to assess your insurance needs and recommend range.
I would invite an independent regional agent as well as a significant independent and the carrier’s agent. This will accomplish a lot of things. You are looking for the lowest prices. You are also looking for the best coverage. This will allow you to determine if your current range meets all requirements and if you are under or over-covered. You are safe if all three companies recommend the same level of coverage. You should ask if two or more of the three companies recommend a higher level of coverage than you do.
As long as you are working with an expert in insurance, you don’t need to be. This is why you should seek out their expertise at least twice a year. Each company should provide a written proposal that includes recommended coverage, costs, and explanations. You will not be able to evaluate each company and will no longer have the ability to choose from different coverage areas.
You don’t have to keep all your coverage with the same company. You should probably not have all your coverage with one company unless you can save money on individual services or if one company offers a package plan that is specifically tailored for your business.
There’s no reason to have auto and business coverage from different companies. Except for significant discounts, there is no reason to purchase all insurance from one company.
One company I know had not done a competitive review on their insurance in over 20 years. They saved $30,000 per year or nearly 15% in this instance.
2. Make sure you are not over insuring
You don’t need to insure $100,000 for something that has a replacement value of only $75,000. Agents and companies will not pay more than they need to. If you have overvalued an item and are therefore ineligible for a rebate, they will not reimburse your premiums.
You can determine the value. You have a problem if you only cover equipment up to $10,000,000 at replacement value, and it has a total replacement value of $5,000,000. The natural replacement value should be known or easily estimated. You should not underinsure. You should verify that you are covered for replacement value.
This area is prone to gray areas. Annual reviews are a good idea. These reviews will provide you with advice and opinions from many different sources, making it much easier to spot inconsistencies. Don’t ask companies or agents to give you quotes on current coverage. Instead, evaluate your operation and offer coverage recommendations and costs.
3. Ask your agent about ways to lower your insurance costs.
They won’t tell if you don’t ask. You are asking because you have concerns about costs. The agent should interpret your dissatisfaction with costs as a signal that you will be looking elsewhere for coverage. Agents suddenly have a lot of incentive to lower your Business Cost Control.
4. Find agents and carriers who specialize in your business type.
Ask any association that you are a member of for recommendations. Ask your suppliers and competitors for suggestions. Bundled types and coverages may be available for businesses that have special needs. The plan will provide the coverage you need and is much cheaper than buying them separately. I was able to save more than $1,200 per year by choosing a plan that covers companies in my industry.
Be aware that agents may not always be honest when they say they have an excellent plan for you. It is essential to get at least three quotes. You should still get at least three quotes.
5. Ensure that your insurance covers the replacement value and not the current value
Although it may appear that you are saving money by covering current value, if you have to replace equipment due to damage or loss, you will soon realize that you were very shortsighted. In most cases, the current value of an item will be less than the replacement cost. This is an area where you should not cut corners. You should have at least the same coverage as what it would cost to replace excellent equipment.
6. Premiums are just another term for payments
You want to manage these payments, buy only what you really need, and get the most for your money. Ask for written recommendations about coverage and costs, and have the agent explain these recommendations to your satisfaction. Insurance agents are sales reps. Their product is insurance. This is a fact you should not forget. This purchase should be justified, just like any other purchase.
7. Get your estimate whenever you file a claim
Do not follow the lead of most companies and accept what they claim to be worth. It is not an easy case. Just because they claim it doesn’t mean it is. You can verify the estimate of the insurance company and be sure you are getting a fair settlement. Or, you can dispute their estimates and demand a higher payment. Accepting their assessment may lead to a higher loss in some cases.
Derrick Welch, the author of “In Pursuit Of Profits: How at Least Double Your Profits without Increasing Sales,” provided this edition of The Welch Report. This report includes 1,000 cost control, expense reduction, and income-producing strategies you can start using today to dramatically increase your bottom line.
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پنج شگرد ساده که شما را یک مرد آلفا میکند
آنهایی که زیاد نظر دیگران برایشان اهمیتی ندارد و اصولا از قوانین و عرفهای رایج پیروی نمیکنند، تیپ شخصیتی امگا را تشکیل میدهند.
افرادی که نه بهترین بودن جمع برایشان
اهمیت دارد و نه رهبر بودن برایشان جذابیت دارد، این
افراد استعداد این را دارند که خودشان را در حیطه موردعلاقهشان کاملاً غرق کنند.
در میان تیپ های شخصیتی مردان،
مردان امگا را با این ویژگیها خواهید دید.
گروهی اعتقاد دارند، بتاها پارتنرهایی نهچندان جذاب اما
همسرانی فوقالعاده هستند.
در حوزه دستهبندی تیپ های شخصیتی مردان، مردان
امگا را در دسته افراد خودمحور قرار
میدهند، چون آنها هم خودشان را بسیار قبول دارند و هم نیازی به
تائید دیگران ندارند. بهسادگی تیپ شخصیتی، به طبقهبندی روانشناختی افراد اشاره
میکند و ما برای دستهبندی انواع مختلف تیپ های
شخصیتی مردان از یک سری حروف یونانی استفاده میکنیم تا تفکیک بین
انواع تیپ واضحتر مشخص شود.
از مهمترین تیپ های شخصیتی مردان آلفا، بتا، گاما، دلتا و امگا هستند که همه آنها را
با همدیگر بررسی خواهیم کرد. اغلب، مردان آلفا، با استفاده از توجه
زنان، بیش از حد تحت تأثیر خود و روابط
جنسی قرار می گیرند، بدون اینکه به موفقیت قابل توجهی در حرفه خود
دست یابند. با این حال، موارد استثنایی
وجود دارد که آلفا در زندگی، تجارت و کسب و
کار به ارتفاعات دست یابد امور عشقی.
یکی از دلایل آن این است که شما انواع
شخصیت مردان را نمیشناسید. زمانی که صحبت از تیپهای
شخصیتی میشود، همه افراد دوست دارند
بدانند جزو کدام دسته قرار میگیرند.
بهعنوان مثال آنها تیپ شخصیت سیگما دارند یا گاما.
در ادامه چند راه برای شناسایی تیپ های شخصیتی مردانه به شما معرفی خواهیم کرد.
اعتمادبهنفس مردان امگا با تمایل آنها در عدم
رقابت عجین است. همانطور که گفتیم، این تیپ
شخصیتی به نظر یا تائید دیگران هیچ توجهی ندارد و اعتمادبهنفسی که افراد حاضر در این تیپ دارند
به آنها این امکان را میدهد که کاملاً خودشان باشند.
عدم اهمیت نظر دیگران برای مردانی با تیپ شخصیتی امگا، باعث شده است این افراد خیلی راحت به هر چیز نامتعارفی
که علاقه دارند، بپردازد و به آن افتخار کنند.
نکته مهمی که باید مورد توجه شخصیت شناسان باشد این است که این جان وین فقید
(بازیگر اسطورهای فیلمهای وسترن غرب وحشی) نبوده است که این نوع شخصیت
را برای جنس مذکر بدعت گذاشته است.
به زبان سادهتر، تنها کار این بازیگر این بوده است که
این گونه موجود را به تصویر بکشد.
با ترسیم موازی با طبقه بندی جانورشناسی، بقیه مردان را می توان به چندین
نوع تقسیم کرد.
برای کسب اطلاع در زمینه مشاوره فردی کلیک کنید.
خب، قبل از هر چیزی باید بدانید که “آلفا” اولین حرف الفبای یونانی است و به همین دلیل، مردان آلفا بالاترین مرتبه در
هرم قدرت را دارند. مردان آلفا نقطه مقابل مردان بتا هستند و خیلی از افراد سعی دارند که به یک مرد آلفای جذاب
تبدیل شوند.
تیپ های شخصیتی امگا و دلتا بهترین و مستقلترین تیپ شخصیت مردانه است.
اگر خاطرتان باشد ما در یکی از مقالههای
اسنپ اکسپرس درباره خودشناسی با تیپ
های شخصیتی انیاگرام بهطور مفصل صحبت
کردیم. با این وجود شما با انجام این تست نیز میتوانید
به خودشناسی عمیق و خودآگاهی روشن از خود برسید.
شاید بدانید که مرد آلفا در معنای سنتی
خودش برجستهترین، قویترین یا با اعتماد به نفسترین
فرد در یک گروه باشد. اما ویژگی مردان
آلفا به همین موارد ختم نمیشود.
با ما در این نوشتار همراه باشید تا با ۷ ویژگی مردان
آلفا آشنا شوید… با ما در این نوشتار همراه باشید تا با ۷ ویژگی
مردان آلفا آشنا شوید.
۹۰ درصد دختران جامعه به ۱۰ درصد پسران، جذب می شوند.
۹۰ درصد باقی مانده پسران باید
بر سر ۱۰ درصد باقی مانده
دختران با یکدیگر بجنگند و همزمان، پاسخگوی عملکرد آن ۱۰ درصد
هم باشند. از هر ۱۰ دختر، التاشون میگن (پسرا بچه ان) راست میگن وقتی لیست ۱۲۰تایی رفتارهای نابالغانه رو
تو این کلاس شنیدید خودتون جمع
میکنین ازین کشور میرید.
مرد امگا نسبت به توانایی های خودش اعتماد به نفس دارد و کار ها را به
میل خود انجام می دهد و خیلی به دنبال پاداش و جایزه نیست.
این تیپ شخصیتی دوست دارد تنها باشد و خیلی درکی از حد و مرز های
شخصی یا استاندارد های اجتماعی ندارد و گاها بی گدار به آب می زند.
مرد امگا متضاد مرد آلفا است و خیلی مدعی نیست.
شاید دوستان زیادی هم نداشته باشد اما خیلی
باهوش است و سرگرمی ها و علایق خودش را
به خوبی می شناسد .
ازآنجاییکه این افراد اهل جلبتوجه نیستند سعی
میکنند در رقابت صحنه را به دیگران واگذار کنند.
در یک کلام جان وین (مرد کلاسیک) را میتوان سمبل سرسختی، پایمردی، وفاداری، اصالت نفس و شرافت طبع و پکیارچگی
و انسجام شخصیتی انگاشت. این
کتاب بسیار روان و خوشخوان است و برای کسانی که آشنایی زیادی با اصطلاحات روانشناسی ندارند کتاب
بسیار مناسبی است حتی میتواند مقدمهای برای
شروع مطالعات شما در حوزهی روانشناسی
باشد. دومین استدلالی که وکیل همه مردان آلفا می تواند در دادگاه جهانی مطرح کند، منافع تکامل است.
مصلحت عبارت است از توانایی بخش کوچکی از مردان در بارور کردن بخش زیادی از ماده ها
به منظور تثبیت مفیدترین صفات در فرزندان.
حامل ژنهای منحصربهفرد، که برای رشد جمعیت
مهم است، به دنبال انتقال وراثت ژنتیکی بزرگ به حداکثر
تعداد مادهها است.
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