Do Not Settle For The First Car Insurance Quote You Obtain

If you are shopping around for a new motor vehicle, your purchase need to go hand in hand with acquiring a car insurance quote. As soon as you drive your new vehicle off the dealership’s floor you are at risk of getting in an accident or you can be hijacked on your way home, consequently you have to have your car insurance policy in place previous to getting behind the controls of your car for the very first time.There are many variables that would influence the car insurance quote that you will obtain. Causes such as your age, gender and driving history are all examples of such variables. The price of the car in question will also play a role, as will the number of nominated drivers on the vehicle.Never settle for the first car insurance quote you receive. Try to contrast and compare as many quotes as possible – no less than three or five. In case you are uncertain about the terms and conditions associated with your policy, make certain to discuss this with your insurance agent or insurance broker prior to signing your contract.One of the points that may perhaps result in a lower car insurance quote is opting for a higher excess amount. An excess amount is essentially the difference between the price for repairing your vehicle and the amount that the insurance company is willing to pay. Say for instance you must repair your bumper after a small accident and the repair price is R10 000. The insurance company agrees to pay R8 000. Your excess amount (payable by you!) is then R2 000. The greater your voluntary excess amount, the lower your associated premiums (usually!). Just be careful that you do not pick such a high excess amount that you would not be in a position to honour the payment when it is time to put in a claim!Also keep in mind that your car insurance quote will typically only give you an indication of your first year’s premiums. An essential issue to remember is that your insurance premium is likely to increase on a yearly basis. You might be thinking that this is not making sense, as the value of your car is in fact decreasing year after year and thus the insurance providers’s subsequent risk is lower. On the one hand that is true, but remember that the cost for repairing your vehicle (parts and labour) increase every year and insurance firms have to cater for this increased cost by increasing your premiums.Often times an insurance business will provide a car insurance quote, but your insurance policy will only be activated as soon as you’ve taken your vehicle for an inspection. These inspections are necessary as insurance firms must make certain that you are not trying to insure a car with an existing problem and that all the security features (such as an alarm system, immobilizer etc) stipulated on the contract are indeed in place.Obtaining a car insurance quote is really not difficult. Research your options, compare a couple of quotations and make an informed decision.

Defining YOUR Personal Brand Image

Branding, creating, and maintaining your personal image can be a powerful tool in helping you become the type of professional that you want to be. But, why would someone want to brand themselves? Think about this in the way that you would think about how to market any product. If you were to market a new car you may talk about the cars features, such as gas mileage or how safe it is. You would also figure out who you are trying to market this car to. For instance, you would not want to market a two-door sports car to large family of six. Finally, when marketing a car, you will want to tell clients about the promises and guarantees that will separate this car from others like it. The style of marketing your personal brand is very similar.

You must market yourself by highlighting your individual features and emphasizing them to your potential managers and employers. You must know who in particular you are trying to target with your brand. And finally, what your individual brand message is and what you promise to accomplish in your occupation. By marketing yourself as a unique individual, knowing your target audience, and creating and maintaining your personal brand message and promise, you can develop a strong professional brand image. It is important to know who you are and what your existing personal brand is in order to further develop your image. Particularly, what makes you, you. By staying true to yourself first, you can begin to move your brand forward. Think about your personal beliefs and what type of person you are. These are the things that make you, you. Do not try to change who you are in order to develop an image. If you change and adapt who you are to create an image, you are not creating a personal brand image, but rather a generic brand image that will not allow you to emphasize what you offer specifically and on an individual level. Rather, you must grow your brand image from what you already possess. Focus on what makes you who you are and develop a professional brand image based on these existing attributes.

Once you have defined this personal existing brand, you can begin to address how you can make your brand different, set yourself apart, and grow your own unique brand image. For instance, what do you offer as a professional, and what can you bring to others? What are the skills that you possess that set you apart from the competition? These are the things that will make you stand out from others around you and positively grow your personal brand image. A positive attitude and confidence in your abilities and what you know you are capable of achieving are the first steps to developing your own unique and specific personal brand. Along with your individual attributes, it is important to develop skills that will help to set you apart from others around you. Focus on what you will do to go above and beyond the competition. This will help you to create that unique brand image that will take potential clients from possibly needing your services, to them wanting the services and skills that they know you offer. It is also important to focus on strong communication skills with your potential clients. This can be a positive step to boosting your personal brand by creating a strong relationship between yourself and your clientele, and will also help you to maintain this positive relationship.

Your unique personal brand image will set you apart from the competition for resources and help you to grow relationship that will last a lifetime. Finally, when developing your individual brand image, it is key to know what your message will be and what promises you can offer. You must put into place your personal brand values. These values are what services you can bring to your work situation and what you can achieve. Your message must focus on what you specialize in, what attributes in your unique brand image distinguish you from the rest, and your leadership abilities. This brand message will allow your potential clients to see who you are and know what they will receive from you and your work. Clients must also be able to see what your brands’ promise is to them. Your brand promise should focus on your commitment to service, what you can achieve for the potential customer, and finally, your individual reputation. It is also important to communicate to clients that you may not be perfect. Be honest with them. If mistakes have been made in the past, use these as a promise to clients that the mistake has been addressed, learned from, and will not happen in the future.

By creating your individual brand image, you are taking the most important step to success. Look at who you are as an individual, focus on what your unique abilities are, separate yourself from the competition around you, and maintain your brand through a commitment to service. Through these steps you can create and maintain a strong brand image that can lead to future benefits and success in your career.

Paying Utilities For REO Properties

I Want to List REO’s, but How Much will it Cost?I’ve written in the past about how to list REO’s for banks, but what many agents overlook are the related expenses that go along with carrying many REO listings.Listing REO’s can be very rewarding, but many agents neglect to plan ahead and understand that they will be paying utilities for REO properties that they have listed.This HUB will detail exactly what you can expect and give you some tricks and tips on how to not get in over your head as you start paying utilities for REO properties.What Types of Bills WIll I have to Pay for My REO Listings?Read this twice: It’s not just utilities and its not just while you have the REO property listed!It is incredibly important to understand the lifestyle of a REO listing as you start to budget paying utilities for REO properties. Most REO listings start out as “an assignment.” This means that the bank or asset manager have decided that you will list the property. However, many times the property is in no condition to be listed.To get the assignment ready to be put on the market, you may have to have one or more of the following services performed:
Trash Out (all debris, junk and left over belongings removed and hauled away)
Cleaning
Water shut off / Winterization
Pipe Repair
Lawn / Snow MaintenanceObviously these services are not free. What many agents fail to realize is that the banks expect you to pay for these services up front. Yes they will reimburse you, but it can take anywhere from 30 to 120 days.Once the REO Property Becomes a Listing…Once your REO assignment becomes a listing, most of the major costs have been paid for (trash outs, pipe repair, etc). Hopefully your client will reimburse you quickly.Now is when you need to make sure you are current on the REO listing’s gas, water and electric bill. In colder climates, If the heat gets turned off, the pipes will freeze and your home will never sell. If you have no electricity, buyers can’t view the home.Also, don’t forget that if you don’t stay current paying utilities for REO properties, they can become a lien on the home. If there is a lien on a REO listing that you are trying to sell, it can delay a closing substantially. That means you’re waiting even longer for your money.Tips for Paying Utilities for REO PropertiesNow that I’ve scared you out of the business, let me try and give you some tips for paying utilities for REO properties. This could save you thousands of dollars and help you avoid the huge cash drain that getting into the REO business can create.

Know Your Contractors: I can not stress this enough. If you have a good relationship with your services you can save a substantial amount of money for the services. If your contractors know they will get all of your business, their rates will be lower. If their rates are lower, you have less money that you are waiting to be reimbursed for.

Negotiate with Your Contractors: As you get into this business, you’ll be contacted by many service providers in every industry trying to earn your business. That’s great for your cash flow situation! Set up agreements with them that you will pay them immediately AFTER THE BANK SENDS YOU A CHECK. Even if its only $100, once you get up to 30 or 40 listings, that money adds up. If they won’t wait for the bank to pay you, offer to pay them half up front and half once you are reimbursed. As you get started listing REO’s and paying utilities for REO properties, don’t make the mistake of thinking you can carry the costs because “it’s only one listing.” Take a long term approach and think about every transaction multiplied by 40 listings.

Talk to your local bank: Many banks will be more apt to make a small business loan if you explain that the money will only be used for paying utilities for REO properties. If you can show them your client list, many banks will take that into consideration when factoring in risks. When they are lending against big name lending institutions and know that you will be reimbursed, its much easier for them to justify loaning you the money than if you were using it for marketing or business expansion.
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