One of the most common questions for homeowners’ insurance coverage is the difference between market value and rebuild cost. The two are not directly related.
Insurance companies base your premium on the cost of rebuilding rather than the value of the home. Knowing how to differentiate between the two can make a difference in the amount you receive in the event of a disaster.
The reason for insurance, both business and personal, is to help us protect what matters most. However, simply having insurance is not enough when it comes to making and resolving a claim. Effective claims can save you money, ensure sufficient compensation, and minimize disruption to normal operations.
As the countdown to January 1st continues, employers must continue to prepare for the changes that must be made to comply with the Health Care Reform.
Key values can propel you or your organization to success. They span time, companies, and industry. Here are seven that have served me well.
Over the last 40 years, the digital age has dawned, and profoundly changed the modern society. As a business that is concerned about risk management, staying on top of the emerging risks is a necessity, but the mind boggling speed of technological advancement has made this difficult. With a modern business relying so much on technology, it is then imperative that every effort is made to manage the risks of a digital age.
Health Care Reform continues to be a highly debated topic. A recent New York Times/CBS News poll stated that 47% of their respondents still oppose the law, while just 36 % approve. At this point the biggest issue is the confusing mix of messages that are found in the media, on the internet, discussed at the water coolers, and shared among all Americans.
Recently I connected with Tony Hutti, Bruce Gobdel, and Linda Stowell to get their thoughts on the next generation of leaders. After long and successful careers in management and public accounting, Tony and Bruce now facilitate executive roundtable groups. Many of their forum members are leading high growth organizations and are newer to the CEO role. Stowell was a turnaround consultant and came home to run her family business in LaPorte several years ago.
Regardless of your expertise on the water, proper boating safety should be followed every time you hit the water. Be sure to review these boating safety tips with any passengers on board to ensure everyone’s wellbeing as well as reduce any risk to your insurance policy.
Compare a colonoscopy procedure from one provider to another and you probably won’t find much difference. Compare the costs between several different providers and the differences will surprise you!
According to a June 1, 2013 article in the NY Times, a comparison of colonoscopy charges revealed that the costs varied
"You have a brand whether you like it or not", said my friend Larry Linne, co-author, along with Patrick Sitkins, of the new book Brand Damage: It's Personal.
"We live in a world today where you can't hide", he continued. "The way people think of you is being broadcast everyday. You can manage it or just let it happen."
Patrick and Larry have been working together for a number of years teaching classes and running seminars on branding. Larry will tell you they share a passion for this subject. "We've seen too many people at the extremes. Some do it really well and create an environment where people want to help them. The other extreme is some of the really stupid things people do to destroy their brand. The world doesn't think much of them and they usually don't even know it."
So what is a personal brand? "Simply put, it's what people think of you", said Patrick. Said another way, it's really just someone's "gut feel" about you.
