Don’t Invalidate Fire Insurance

We have all had a dishwasher that puttered out or a washing machine that sat idle with clothes floating in a well of water. Fixing creaky old appliances can be costly, and it often seems there is no way of avoiding such expenses. However, many owners and renters have found a solution: purchasing a condo warranty.

Unlike insurance-which covers natural disasters, calamities, and theft-a warranty is a service contract that, among other things, covers major appliances for members of a condominium. These warranties are specifically designed to work within the existing support structure and services provided by your association, so you only pay for the protection you need. Here are four ways a condo warranty can benefit you.

Covers Major Home Appliances and Systems

While the definitions of major systems and appliances may vary from policy to policy, a condo warranty will typically cover HVAC, plumbing, electrical, hot water heaters, garbage disposals, dishwashers, stoves and ovens, washers and dryers, and garage doors. Refrigerators are often covered when they are in the property at the time of purchase. This can be even more beneficial in the event that a retailer or chain goes out of business and/or any coverage you have on the product lapses.

Enhances Market Value

Condo warranties are, in general, cost-saving tools when it comes to maintenance. However, they can also be an enhanced benefit in a competitive seller’s market because they increase a unit’s marketability. According to the National Home Warranty Association, units on the market that covered by warranties tend to sell about 50 percent faster than homes that are not.

Protects from Potential Post-Sale Legal Disputes

Warranties generally protect the condo’s seller from post-sale legal disputes. They allow for the purchaser to invest with confidence, as they are given more security than what is offered by a statute of limitations, which, in most cases, only lasts four years. On the flip side, sellers can avoid legal disputes based on faulty or dysfunctional appliances and systems because they are covered. Of course, reviewing the fine print for specifics is always highly encouraged before purchasing a property.

Provides Peace of Mind

Out of the nine most crucial appliances in the home, at least one is expected to break down at some point in its 13-year average lifespan. A new buyer is assured some peace of mind in knowing that if something goes awry with any of the condo’s major appliances or systems, they will likely be covered by the warranty.

Understanding Minor Fractures

A fracture is essentially a broken bone. Sometimes, when external force is applied to a bone, the bone is unable to withstand the force and it breaks or cracks. This break or crack is called a fracture. When the bone breaks completely it is referred to as a major fracture. A crack in the bone is called a minor or stress fracture.

Common Causes Of Minor Fractures

Minor fractures are typically caused by high impact sports and sports that require repetitive movements. High impact sports such as basketball, soccer and long distance running commonly result in cracks in the legs or feet. Sports such as rowing, cricket and bowling, all of which call for repetitive movements, tend to cause minor fractures in the arms, shoulders and other parts of the body.

Problems can also arise when individuals abruptly start out a new exercise or increase the intensity of their workout without warming up or conditioning their muscles. This increases the amount of pressure that is exerted on the bones causing them to crack.

Anatomical abnormalities, faulty equipment when working out and osteoporosis are other common causative factors.

Symptoms & Diagnosis of Minor Fractures

If you have a dull, persistent pain with a swelling around the site of the injury, chances are it is more likely to be a crack in the bone or a minor fracture. In case of a major injury, the pain is more likely to be sharp and excruciating. In either case, it is important to visit a doctor so that you can get an accurate diagnosis and appropriate treatment that will help ease the symptoms and heal the injury. If you suspect that your bone may be cracked or broken, never try and diagnose or treat it yourself as this could make matters worse.

Your doctor will conduct a thorough physical examination to diagnose the presence of a crack in the bone. Depending on the site of the injury and the severity of your symptoms, the doctor may ask you to get an X-Ray or to do an MRI for a more accurate diagnosis.

Treatment

If a minor fracture is confirmed, the first things your doctor will ask you to do is to apply ice onto the affected area several times over the next 24 to 48 hours and to minimize all activity involving that area. It is important to let the bone rest as much as possible so that it can heal itself. When the swelling and pain has subsided and you are ready to return to activity again, it is important that you do this slowly and carefully so you don’t risk injuring yourself again.

Considerations When Buying the Best Independent Dental Insurance Plans

Since the whole principle for buying dental insurance is to obtain coverage for treatments, consider your needs before you decide on a plan.

For example, if you do not need cosmetic treatment cover, there is really no point in paying additional money for it. Most insurance companies offer three levels of coverage – preventive maintenance, restorative treatments and major treatments. Talk to the insurer and understand which treatments are covered under each independent dental insurance plan.

Dentist networks

Most dental plans are network based. This means that you receive maximum benefits if you go to dentists within the network, and you might not receive any benefits if you visit a dentist who is not a part of the network. There is really no point in signing up with a plan that has a small dentist network within your locality. Ask your dentist if he is enrolled in a reputable network and join that plan. You’ll be more comfortable. You might also receive discounts if your dentist recommends you.

Affordability

Finally, it all boils down to costs. If you cannot afford it, there is no point in buying a comprehensive policy. Cost should not be the only criteria for selection. Analyse different options, narrow the list down to the ones that are the most appropriate and decide based on the cost. Check out your out of pocket expenses such as deductibles and premium payment options.

Here, you need to keep a very important consideration in mind. Different dentists divide treatments into different categories. For example, some dentists might consider cavities as a basic treatment while some others might categorize it into the next level of dental care. Your basic dental cover might not cover it. You need to talk to a dentist within the insurance network and be clear about the different coverage options.

Additional coverage

Besides the basic features available in the plan, some policies offer additional coverage. This might include treatments that are cosmetic in nature. Some policies give you the option to choose among different coverage choices. If you are not satisfied with the basic cover, you need to look for a policy that offers good additional coverage instead of choosing major cover. Major coverage policies are more expensive than the ones that offer basic insurance with additional coverage. Compare different companies, request quotes from them and choose the best independent dental insurance plan.

Waiting periods

You really do not want to buy a policy that has a waiting period of months. Select a policy that offers coverage in the soonest possible time.

Keep these considerations in mind when you buy an independent dental insurance plan.

If you’re looking for cheap dental insurance coverage, you can choose from over 30 regional dentist plans by visiting a reputable dental insurance quote comparison site. Enter your zip code in the quote engine at the foot of the page and compare plans instantly. It’s a lot easier than leafing through the Yellow Pages!

Why You Need Liability Coverage From Your Insurance Company

Who is responsible to prime the pump and fill the top of the funnel? Many agencies and brokers expect their sales team to cold call, network, and send emails to build their own pipeline, and fill the top of the funnel. It reminds me of the old slogan, “Let your fingers do the walking”. The slogan referred to the Yellow Pages, the omnipresent database of the time. Regardless of the database used, be it the online Yellow Pages, Google Pages, or an internally generated prospect list, the question still remains. Who is responsible to fill the pipeline, and what’s the most likely path to success.

Today insurance lead generation encompasses many new tools to help producers prospect, including eMarketing, Social Media Marketing, Blogging and Web Seminar Marketing, in addition to traditional cold calling and networking. Agencies and brokers must also add their website to this mix of tools, as many broker websites are out of date, difficult to navigate, and are not mobile compliant. The mobile compliance issue is very significant, as mobile searches are now exceeding PC based searches.

Many producers find these new web marketing tools, and in general the lead generation aspect of their jobs, to be arduous and challenging. That’s why so many producers fail, they are not insurance lead generation machines, nor are they savvy insurance web marketers. The results are self-evident, insufficient qualified prospects at the top of the sales funnel, usually translates into inadequate results at the bottom of the funnel.

A better path to success for many agencies and brokers begins with a comprehensive and consistent insurance marketing and lead generation program, providing producers with an influx of quality prospects, so they can spend more time selling and less time prospecting.

Why don’t more agencies invest in these types of programs?

They lack the internal resources necessary to execute these marketing initiatives
They plan on doing this type of marketing and lead gen, but never seem to find the time to get it done
They believe in doing business the old-fashioned way (I built my own pipeline and you can too)
They over invest in sales and under invest in marketing and lead generation
They tried it once and it didn’t work
They tried a short pilot program and didn’t see an immediate ROI

These are just a few of the reasons many agencies and brokers are unable to accomplish their insurance lead generation and top line growth goals. Regardless of the reasons, agency owners and executives should review current and past producer performance and determine if it’s time to refine their insurance marketing and lead generation programs, to improve the path to success for their producers specifically and their businesses in general. Agencies, brokers and wholesalers lacking the knowledge and skills necessary to undertake these marketing and lead generation initiatives can seek assistance outsourcing assistance from proficient insurance marketing agencies as a viable alternative to internal staffing.

Buy Personalized Mugs – Things to Remember

Buying gifts is never an easy task. Any festival, holiday or occasion just puts an added pressure on us. It is frustrating to research and dig for a gift that the other person is more than okay with. You can’t really leave getting gifts to luck and wait and see if your loved ones like them when they are unwrapped. Mostly, you do not want to disappoint them because they mean something to you.

Keep in mind that shopping is fun and there are gifts that can warm the hearts of anyone with just a touch of personalization. If you are not a planner, you will most probably succumb to frustration that one undergoes when it comes to last-minute gif shopping.

Personalization of mugs

When you are puzzled for a gift idea or have hit a wall thinking of ideas of gifts, you can always go for a personalized mug. It is something all of us every day, it can be custom-made and it can be useful. Coffee cups are most considered impersonal. It’s usually a gift considered appropriate for a colleague, boss, teacher or an acquaintance.

But that’s old story. These days there are a multitude of ideas to personalize mugs and make it special for your loved ones. Mugs can be personalized irrespective of the gender or age. Mugs can be made as appealing to your friends as to your family. If you are creative and have an idea about their likes and dislikes, making the mug unique is an easy task. Here are a few ideas how you can convert coffee mugs into amazing personalized gifts that would be cherished by your loved ones.

Photo mugs

One of the easiest ways to make your mug personalized is adding a photo to it. Mugs can be personalized by simply adding images on them. Photos can be printed on the mugs easily. All you need is a digital copy of the image. An image or a collage of images that will bring back fond memories can be added to the mugs. Another great thing about these mugs is that they will remind the person for whom the gift is intended about you every time they use the mug, which can be every day.

Quote mugs

Sometimes, when you are not very sure what gift you should buy; mugs can seem like a great idea. They can be great gift for employees, colleagues or clients. They can be personalized with your company logo, tag line or quotes praising people.

Sharpie mugs

While sharpie mugs are a very successful DIY project you will see around the internet, it doesn’t mean they do not make excellent gift. These mugs carry messages and can be ordered online or be your own DIY project. The best thing about these mugs is that they can carry your unique message and will always stand out from other gifts. Also, these mugs are affordable.

Other personalization

The person whom you are going to gift the mug will have hobbies, interests or passion. Why not choose a mug or personalize a mug that talks about their work, quirks or something unique about them. Are they Harry potter or Spiderman fan? A mug with a quote or picture can be a great option. For photography fans, there are lens shaped mugs. The possibility is endless. With a little creativity a research, mugs make an awesome and unique gift.