Blogger BlogNet71256

Mobile home insurance is required which has been fairly inexpensive -about $250.00 per year is what I was paying or $30.00 per month. It is similar to home owner's insurance, but it's written specifically to meet the needs of owners of mobile homes.

Coverage for these kinds of claims and lawsuits is called liability coverage. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. Coverage would typically include financial protection for the house, personal items, injuries incurred on other people for whom you are liable and additional living expenses. It also insures you while you are one the move. Coverages and benefits can vary dramatically from policy to policy and from company to company.

Home owner's policies are designed to provide financial protection in the event of damage to your home, such as fire, lightning or windstorm. Your policy will also protect your personal property, such as furniture that is damaged as a result of a fire, or the theft of electronic equipment.

Prices can be different from one company to another. The Insurance Information Institute recommends getting at least three price quotes on home owner insurance. Price too low and prospects doubt you're any good and you lose credibility. But if you're new to the market, how do you know where to position yourself for maximum results and success?

Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. The best home insurance is the one that provides you with the most benefits policy-wise. Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. Although the coverages are similar, there are a few differences.

Mobile home insurance is similar to home owner's insurance, but it's written specifically to meet the needs of owners of mobile homes. Your policy covers your mobile home and its contents and offers personal liability protection. It is also available from the company and this is available with a range of benefits. For example, free continental travel cover is provided as part of the policy which means that a family can have peace of mind when traveling on the continent.

Mobile home insurance is often provided on an actual cash value basis, so significant depreciation can be a major concern for owners of mobile homes. The policy's coverage extends to the mobile home's equipment and accessories that were originally built into the structure.

Mobile home insurance is essential yet few mobile home owners actually take it out. If you think about it, you are leaving a home that you actually spend very little time in completely unguarded and vulnerable.

Get your home insurance online Looking for cheap home insurance and home owners insurance quotes? Here you can find free information http://www.home-insurance-online.info/

The insurance industry enjoyed record profits of $60 billion less than two years ago. In the wake of these prodigious returns, the commercial insurance market was flooded with hundreds of millions of dollars worth of capital. This created an increase in the amount of carriers, as well as a greater capacity to take on risk. Ultimately, the influx of capital into the insurance market has resulted in an insurance environment that is extremely soft, with prices falling quickly. For restaurant owners who approach this soft commercial insurance market correctly, some of the largest premium decreases in years are available.

To understand why such attractive premiums are out there, understand a couple points:

First, insurance pricing is cyclical. The inflated prices simply cannot be maintained in the new commercial insurance environment of 2008. A major reason for this is that most commercial insurance companies are public companies. Thus, their shareholders demand growth. In order to grow, prices must be reduced to entice new clients and retain current ones. In addition, insurance carriers must enter new areas that they have no been active in historically. These carriers are then forced to write new lines of the coverage for industry segments like foodservice, hospitality, and franchise programs.

The second point to understanding the reason for the availability of lower premiums is that in the world of commercial insurance foodservice and hospitality is a niche area. Consequently, there is a limited amount of insurance carriers competing against one another to write a restaurant insurance account when the market is stable or hard. Now consider the reality of 2007 and 2008. You may have found that the number of carriers seeking your business doubled. The impact of this insurance market on niche industry segments like foodservice and hospitality can be exponentially greater than what is happening in the standard insurance market. This large supply increase as demand stays static leads to the falling prices that restaurant owners are now finding.

Why is it that buyers are usually the last people to realize the state of the commercial insurance market? Most policies only get renewed one time each year. The can lead to an information gap because the reality is that buyers rely on their brokers to let them know this critical information about the direction in which the market is headed. With markets shifting course substantially, and quickly, insurance buyers sometimes are not made cognizant of the shift until nearly a year later.

Furthermore, select industry groups, brokerage houses, and insurance carriers themselves usually are the ones formulating reports about the insurance industry. Oftentimes, these reports can lag six months behind. Rarely do they portray a precise picture of the current environment in the market. However, consumer expectations are driven by these reports. Many large companies who settled for a 10% pricing reduction will find out later than they could have gotten reductions of 25-30% instead.

There is no doubt that this inefficiency is the Achilles' hell of the commercial insurance industry, especially at a time when the industry seems to be cannibalizing itself. For foodservice and hospitality companies it is also a situation that should be taken advantage of, especially in light of the fact that it will eventually swing the other way.

While we are currently in a buyer's market, do not allow yourself to become careless when it comes to risk management. You can keep your insurance expenses at levels 25-40% lower than your competition by paying close attention to details and working with an expert. Controlling the basic elements of your risk will allow you to enjoy the benefits available in the market regardless of what cycle it is in.

Here are three additional questions you should be asking that your broker might not be answering adequately, or at all:

1) What is my renewal strategy? Keep in mind that you want to work the commercial insurance cycle, not the other way around. In soft markets, it is sensible to cancel a current policy in an effort to capitalize on lower rates. However, when the market hardens, you may want to negotiate 18-month or multiyear rate terms. You have the potential to reduce your restaurant insurance costs by 20-40% over a five-year period simply by paying close to attention to insurance cycles and acting appropriately.

2) Am I overinsured? You have little to no chance of losing every building you insure in any one single event. However, some people continue to purchase coverage for that very unlikely occurrence. If you have ten $1 million buildings in a state, you do not need a $10 million insurance policy. This is wasted coverage and can be extraordinarily costly, especially in a hard market. Your broker should run a Probable Maximum Loss to determine what the appropriate loss limit should be. Depending what your locations are, you realize that you only need between a $2-$3 million policy to cover the $10 million in buildings.

3) How can I effectively manage my loss history? A good broker will assist you in this endeavor, but most do not even mention it. Understand that your insurance losses stick with you for five years, regardless of whether you have two locations or 1,000 locations. Commercial insurance companies use these past losses to help them predict what your future losses may be. This can have a tremendous effect on your insurance prices. If you are like most companies, you have limited knowledge of the details behind the insurance companies' loss runs. In essence, you are still being charged for a claim that occurred three or four years prior. Have them audited to be sure that details and numbers are accurate.

One point that cannot be overstressed is the importance of choosing the right broker to partner with. Unfortunately, most brokers simply do not handle enough restaurant insurance claims to maintain up-to-date knowledge on the insurance market for the industry. Obviously, the firm you partner with must understand your business, but you need to also be confident that they also are competent in understanding the environment and knowing the markets.

Keep in mind that these people are your representatives. You should choose them as meticulously as you would choose your legal representation. Try not to be a firm's lone client, but also make sure that you are not a "small fish in a big pond." A great broker will keep you ahead of your competition, keep you safe, and ultimately add to your bottom line.

You should also make every effort to meet your insurance carriers. Have a relationship with them, in addition to your broker. The carriers need to know you and understand what expectations you have. Not to mention, being on a first name basis will be a big help if you ever need a favor; inevitably you will at some point.

Finally, make sure you are maintaining open dialogue with both consultants and internal employees regarding customer-and-employee injury issues. You have to be tough on claims; but remember that communicating proactively and listening empathetically can turn cut fingers and strained backs into loyal employees and lifetime customers.

Morgan McMillan is a commercial insurance expert and Vice President at McGriff, Seibels & Williams in Dallas, Texas.

McMillan has been honored for his work in the Dallas commercial insurance market.

Unlike other car racing games the Pixar Cars game is based upon the famous movie of the same name and this means that you get to race those lovable characters that you have seen on the big screen on your very own computer. The Cars movie game has been developed in all possible formats so that it can be played on any kind of player. There are versions of the Pixar movie game that you can play on Microsoft Windows systems, on Apple Mac, on OS X, PS2, PSP, Xbox, Xbox360, Wii, Nintendo DS, Nintendo GameCube and many more. This does not mean that the Pixar Cars game repeats itself identically in each version; there are differences in game play for the PSP and Nintendo DS versions of the game.

The Cars movie game is not just inspired by the Disney and Pixar movie that bears the same name, in many ways it is a sequel of the movie. You can choose which character you want to race as and the story unravels according to your actions. There are many different fun levels of the Pixar Cars game in the Nintendo DS version like Casa Della Tires, Gesundheit!, Piston Cup, That Blinkin Light, Worlds Best Backwards Driver and many more.

The high quality of game play and the lovable characters could keep any player in front of the monitor for hours. The playable characters differ from one version of the game to another. For instance, in the PS2, Nintendo GameCube and Wii Xbox versions you can only play characters like Mater, Luigi, Boost, Wingo, Sally Carrera, DJ and Sheriff. In the PSP version, in addition to the characters already mentioned, you can play Lightning McQueen, Doc Hudson, Flo, Ramone, Lizzie, Fillmore and Sarge. The race cars that you can drive in the Nintendo DS version include Leakless, Vinyl Toupee, Gasprin, and Sputter Stop.

Aside from the twenty races and the characters you already know, the Pixar Cars game also features clips from the film that you can view if you collect enough lightning bolts, several Piston Cup races and numerous minigames that provide hours of fun for kids of all ages.

More resources from the author:
Alfa Romeo GTV photos
2008 Toyota Prius photo hybrid
2007 Toyota Raum photo Japan

You're in a quandary. You desperately need to take a vacation. You've worked hard and definitely deserve it. However, you also want to do your part in being "green." What choices do you have?

Fortunately, the travel industry is one of the most progressive sectors in terms of being environmentally aware. Many travel companies are racing to put environmentally-friendly programs into place because they know consumers are much more conscientious than ever before about leaving a small footprint on the earth. So, what are the things to look for in a green travel company?

Carbon Offset Programs Look for a company that offers a carbon offset program. What is this? Since it's impossible for a commercial jet to be "green", some companies are offering programs to offset the carbon emissions by planting the exact number of trees it would take to clean the air because of your travel. So, while you may have to travel to your environmentally-friendly destination on a traditional "non-green" plane, the pollution is offset by the planting of new trees throughout the world to clean up the air. This is a good thing. You should look for companies that offer a carbon offset program.

Support Local Economies Companies that are truly "green" will be committed to supporting local economies by hiring local employees, as well as purchasing local goods whenever feasible. Stimulating the local economies of travel destinations is good for the planet. Why? It reduces pollution by avoiding long-range shipping. And, locals will have a vested interest in preserving their homeland and maintaining its beauty for future generations.

Water Conservation Many "green" travel companies are conscious about their water usage. Most have some sort of water reclamation program. A conscientious travel destination will offer organic soaps and shampoos and will reclaim their waste water for organic gardens, for watering landscape, etc.

Alternate Power Source Some "green" travel destinations have set up solar panels, windmills, or other types of alternative power sources. This is an expensive investment, but one that will pay for itself quickly. Creating clean energy is a step in the right direction and those travel destinations savvy enough to implement this should be rewarded for their efforts.

The Little Things Sometimes it's the little things. Look for a company that offers organic food to its guests, or encourages travelers to share a car for site seeing. These little things can be a good indication of the dedication of the travel company to really be "green." Also, many green travel companies are involved in donating some of their profits to worthwhile organizations cleaning up the environment in a variety of ways.

Conclusion And, last but not least, the most important thing is to find a green travel company that's a good fit for you. Ultimately, make sure that you will have a great time and the things you need from the vacation (relaxation, adventure, culture, etc.) will be provided. If you had a good time, make sure to go online and write a glowing review.

About the Author

Lorraine Grant owns Going Green Travel, an online review site for green travel companies. Subscribe to her blog to learn about the best environmentally-friendly travel companies and destinations.

As more and more people are turning to owning their own home based business for supplemental and full time income, there are also more and more people looking to becoming a home based travel agent. Many people assume that there is not much money to be made, and that the travel industry is declining. This is not true. Even though the rate of financial growth in travel has slowed -- the financial earnings and the overall money spent on travel continues to increase year after year. There is still money to be made in being a travel agent -- especially if the agent specializes in a certain niche, such as specializing in group vacation packages and in group cruises.

If a person wants to train at home to become a home based travel agent -- they may wish to consider becoming certified through a training programs that teaches both the travel service business and the network marketing business. These travel agent training programs provide full company support and team support by other independent home based agents. Another reason a network marketing affiliation is beneficial to the travel agent is because this type of program provides the agent with various non-traditional avenues to earning a very high level of residual income. The network marketing certification program teaches the new agent how to become a fully certified IATA recognized agent. In addition, the program also teaches the agent how to market "exclusive travel memberships" to clients and individuals. The sale of these memberships then provide the agent with a steady, recurring and growing residual income base. The network marketing program also financially rewards their home based agents who refer others to the agent training program. When an agent recruits another new agent to the training program, an upfront commission is earned, and a residual override commission is also earned. The residual override commission is earned month after month on the set up of the new agent's home based travel agency.

The network marketing travel agent certification program is a fairly new approach to training to become a travel agent. However, an individual can become a fully certified agents and also receive all the tools needed to set up their agency. One of the tools provided is an exclusive booking portal so that the agent can earn 70%-90% of the travel commissions earned that are booked from the agent's home office. Full professional training and ongoing career development training is also provided to the travel agent networker -- at no additional cost. The on-going training consists of instruction on how to build a successful and income producing home based travel business. Trainings are held on how to approach groups and businesses to propose group trips or incentive trips. Trainings are also held on how to specialize in a niche area of travel, such as how to specialize in luxury cruises. All of these trainings are done through live teleconference, so the home based agent may access the trainings from their own home during convenient evening hours. Furthermore, the travel agent networker also is placed on a team of other home based travel agent networkers-- so the new agent is always supported by an upline mentor who desires to help the new agent become profitable in their travel business as soon as possible.

When a travel agent becomes certified through a program offering the two combined business models (the network marketing plan and the certified travel agent plan), the agent is then positioned to potentially earn $100,000 a year or more in not just one way, but in three ways --

(1) through earning commissions on travel booked for clients,

(2) through earning residual income on the sell of exclusive, deep-discount travel memberships (these membership provide monthly destination trips for members at as much as 80% off the lowest internet rates) and

(3) through residual override commissions on the travel business completed by other travel agencies in the agent's referral network.

In conclusion -- to anyone considering becoming a home based travel agent, I highly recommend that you consider becoming certified and opening your agency through a program that truly provides you with the training and the tools you need to

(1) receive your certification, and

(2) actually realize an amazing and steady income that may even put you in retirement many years early -- so you can then enjoy the freedom and attain the resources needed to have even more travel and vacation experiences for yourself!

Sherry Pevey is a successful online network marketer and and independent agent with Traverus Travel. To learn more about how to become a successful certified home based travel agent with an income potential of $100-$200,000 a year, visit her Traverus Travel Team Site http://www.travelsuccessteam.com