Definition:
Life insurance is a policy that will pay money to a named beneficiary upon your death. Life insurance is a way to help protect your loved ones if you were to die suddenly. It provides money to help pay from medical expenses, funeral costs and living expenses. When you purchase the policy you determine the amount that you are covered. There are different types of life insurance available.
The amount of life insurance you get depends on your situation in life. If you are single and childless the amount offered by your employer should cover your burial expenses for your family. If you are married or have children, you should increase the amount that you have.
So what makes a highly successful Linkedin member? Here is what I have discovered as not only habits, but also “secrets” of the treasure chest on Linkedin.
1. They invest their time strategically by putting fresh content on Linkedin when it’s the best time to do so. Let me explain, for me weekends are times to prepare Linkedin content, but as you will notice most collaboration does not take place on weekends. So hold the great Q/A’s, the awesome discussion topics, or the great status updates until Monday and never late Friday. Think about what your audience is doing and be strategic.
2. They use their status update to post something new every 24 to 48 hours and 80% of those updates include a link that gives a call to action. Such as signing up for your next webinar, promotions to visit your blog, or visiting your corporate website etc…
3. They answer target specific questions that are related to their target market. This is great exposure for your business that Linkedin Pros are doing everyday!
4. They change their Picture profile every two months. This creates dialogue and interaction with your network. This is another way to keep your brand in front of everyone. Pictures are worth a thousand _ _ _ _ _ (fill in the blank)
5. They answer every Linkedin email/inmail. Maybe not timely, but they never waste an opportunity!
6. They post their company events on the events application provided by Linkedin and use this as a way to measure interest and involvement for such things as conferences, webinars, or seminars. The events application has only been recently used by Linkedin Elite, but many are beginning to wise up to its amazing potential.
7. These highly successful members have identified their target markets on Linkedin, their goals on Linkedin, and are executing their plan every single work day. Social Media can be measured, but most don’t understand how to begin measuring their Social Media efforts because they have never identified their goals for using the Linkedin space. Once you have identified your goals then you can build a measurable matrix to anaylize your efforts.
So what habits have you found to be useful?
Takeup rates for U.S. terrorism insurance continued to increase in 2009, according to a Wednesday report by insurance brokerage Marsh Inc.
According to “Marsh Report: Terrorism Risk Insurance 2010,” 61% of firms surveyed by Marsh purchased property terrorism insurance in 2009, up from 57% in 2008.
In 2003, after enactment of the Terrorism Risk Insurance Act of 2002 that created the federal terrorism insurance backstop, the takeup rate stood at 27%. The federal backstop was extended through 2014 by the Terrorism Risk Insurance Program Reauthorization Act of 2007.
Median premium rates declined to $25 per $1 million of total insured value last year, a drop from $37 per $1 million a year earlier, according to the New York-based unit of Marsh & McLennan Cos. Inc.
Marsh found that utility, real estate, health care, transportation, financial institutions and media companies purchased property terrorism insurance at higher rates than other industry segments in 2009, with their takeup rates exceeding 70%.
Marsh also found that capacity in the stand-alone terrorism insurance market reached a theoretical maximum of $3.76 billion last year.
The study was based on property insurance placements incepting during calendar year 2009 for 1,382 Marsh clients.
A summary of the report is available at www.marsh.com and the full report is available with registration atwww.businessinsurance.com/whitepapers.
Although the Tampa, Fla., resident brought two forms of picture identification, the teller said he needed to provide a thumbprint to cash the check. The problem: Valdez was born without arms and wears a prosthetic. He pleaded with the bank manager to use the photos, but to no avail. "It was really unfathomable," said Valdez, who was told that he could either bring in his wife or open an account of his own. A thumbprint is a longstanding requirement for any non-account holder to cash a check in order to prevent check-cashing fraud, according to a BofA spokesman, who admits that the bank should have offered alternatives to Valdez. Valdez, a customer service manager in the Hillsborough County public works department, said that if any of his employees treated customers the way he was treated, they would face disciplinary action. "The government is always held to the highest standard, but when you go to a private institution you expect them to want to earn your business," he said. "But I guess that's not the case."
As we reported Thursday, Congress is considering a proposal from Sen. Harry Reid (D., Nev.) to extend the closing deadline on the tax credit of up to $8,000 for home buyers. One risk of this proposal: It could help people who are trying to cheat Uncle Sam. To qualify for the credit, buyers must have made a contract to buy the home by April 30. They are then supposed to complete the transaction by June 30. Because of the rush of people to close by then, mortgage companies and closing agents may have a hard time getting all the paper work done on time. So Realtors are pushing Congress for an extension. Sen. Reid has proposed to extend the deadline for closings to Sept. 30, so long as the buyers were under contract in April. The danger is that this extension would also give more time to people who are merely pretending they were under contract in April and intend to backdate their documents. Some real estate brokers see signs of dubious behavior. Glenn Kelman, chief executive ofRedfin Corp., a Seattle-based broker that operates in nine states, says he started to wonder if tax fraud was on the agenda after hearing from some customers who were very insistent on closing by June 30 even though they went under contract after April 30. Schahrzad Berkland, an agent for Fidelity Pacific Real Estate in San Diego, who helps produce analyses of that market, found that the number of homes listed as pending sales agreed upon in April continued to rise over the past few weeks. Normally, that number should decline as some deals fall through. Ms. Berkland thinks some buyers are backdating to April. Beware: The Internal Revenue Service wants to see the paper trail. A spokesman for the IRS says people claiming the credit are required to “attach a copy of the pages from a signed contract to make a purchase showing all parties’ names and signatures, the property address, the purchase price, and the date of the contract.” Backdating a contract would be both wrong and risky. “That would be fraud on the federal government,” notes Mark Fiedler of Coldwell Banker Legacy, Rio Rancho, N.M. “As a broker, I would not participate in that activity, although there may be others who might. My license enables me to earn a living, and the FBI is not someone I want to cozy up to.” Besides, Mr. Fiedler says, the FBI is “busy putting people in jail for mortgage fraud right now, so let’s not overwork them.” Terry Smith, an agent at ReMax Integrity, Fort Worth, Texas, also thinks backdating is a bad idea. She says the IRS could demand to see fax dates on contracts, dates of emails discussing the deal and the date that the buyer put up a deposit as “earnest money.” And is there really honor among thieves? Kevin Duffy, an analyst at ReMax Unlimited in Cincinnati, says: “First you would have to have all parties in agreement to fudge the dates, then hope no one gets mad and turns the (other) party into the IRS.” Even without cheating, the tax credit will be expensive for Uncle Sam. The National Association of Realtors estimates that 4.4 million people will seek the credit at a cost of more than $30 billion. Please follow me for housing news on Twitter @jamesrhagertyBy James R. Hagerty
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