1- KNow the two types - Did you know there are two distinct types of cross selling situations? Prospects who already own the product. These people already bought the coverage from a competitor bur you're trying to get the business with your agency. They key with them is Repetition. Collecting the x Date, Good follow up and selling benefits of your agency. The key with them is repetition. C
Think about this, over your lifetime you will earn the majority of what you will ever earn in a period of 40 years only. When you're in your early 20's your still trying to figure out what you want to do with your life, in most cases, but when you start to create income for yourself, you now can start to pay for life insurance and get your family covered, but what about everything you've built over the course of your lifetime? How will you have that protected. When people think of life insurance they don't ever think of a buffer to protect your assets that you've created, they think of paying off funeral costs and paying family members. But life insurance is really another asset of large proportions you are adding to your overall net worth. It's like buying a house with a payment of $40 a month. They certainly don't think of it as an asset that protects you against market volatility. Since markets are so volatile, a life insurance policy can be safer than real estate and many other vehicles you use to to build wealth. Safer even than a bank. Even when you children are grown and gone. When the market goes south and you die, before you have time to rebuild or replace lost assets.
Here are some reason's why you should have life insurance after 60:
1- Offset loss of retirement income to spouse at death.
2- Pay off debts
3-Pay costs associated with death
4- Any other expenses
5- Pay income with respect of a decedents taxes on IRA's 401(k)s, etc.
6- Pay estate and inheritance taxes
7- Provide for the care of a disabled child, spouse, etc.
8- Offset a key person in a small or large business
9- Can be designated to provide an "inevitable gain". no matter when you die.
10- It's creditor proof
11- Pay off business interests such as building ownership, land ownership, debts due to business ect.
12- It adds flexibility to your estate plan.
13- It can be used as a gift to children
14- It can be used as collateral on loans. The older people all they tend to take on more debt. Big house, business loan, ect. This can pay off those debts.
15- UL policy are great return on investment (often times 10 times more than a bank)
16- UL policy you can take out as much as you need no penalty on taxes.
Review what your personal situation is and evaluate if it is a good idea to continue paying for life insurance past 60 years. Not only is it great for you children but it's more of an asset when you still have expenses that need to be paid for much cheaper than those payments that you have.
Really cool video that shows how to DIY. All beginners should watch this video if you want to learn how they do it over at Auto Trim Designs.
Our window tinting experts have learned from them and we are constantly learning to get better. Thanks for all of your hard work, if you want to window tint on your own check out this video.
1- Don't go out and spend too much on camera equipment
Before you jump right in thinking you're going to be shooting top notch photos that sell for hundreds of dollars, or even thousands and are invited on national geographic, you can actually take decent photos with a regular camera. Learn the basics before you go out and spend thousands for camera equipment.
2- start using a tripod
Many photographer's joy increases immensely when they start to shoot with a tripod, not only does it help with shaky hands but it helps them feel more professional, along with the quality of the shots are much better. You are able to square the shot.
3- keep your camera with you all the time
When you have your camera with you all the time you will see things you will think, that would be an amazing shot. This happened to me when I was driving home from St George Utah yesterday, I wished I had my camera! It was a large mountain with a huge fog all over the mountain, and it would have been an amazing shot. Also it's a great idea to have your camera gear covered by insurance in case of dropping if you ever use your camera gear for sales of merchandise.
4- experiment and learn basic camera settings
Learn the camera basics, aperture, depth of field, rule of thirds, to only mention some of the basics, there are so many settings, and ways you can manipulate the lens and camera settings to get the shot you officially want. Play with them a bit and get a feel and good foundation of what they do and mean.
5- small objects are useful practice
Small household objects are a perfect way to practice these things, your shutters speed, lighting, angles, depth standing, anything else that as a photographer you're learning to better and improve your shots. Take as many pictures as you can a learn from other people. Take your time and really get good at understand what these mean but this is also a good time to understand perfect doesn't mean anything starting taking pictures.
What to do when you've already gotten you car aligned and your car still drifts.
"Hey honey could you hand me the phone??" As you drive down the free way with your car cruise control set thinking everything is fine... Your car drifts to the left entering the other person's lane! "I just got my alignment checked!" You test the alignment as you drive down the freeway some more. It now drifts to the right. What could it be? Lets go over a few examples of what could be causing this common problem.
This is exactly what happened to me with my 2009 Toyota Camry SE. After many attempts to get the alignment done, I ran out answers as to what could be causing this issue but hopefully I can provide some answers.
What you first need to discover is what the nature of the pull is. Is your car consistently pulling to the right? Is there a pattern to how your car is responding? Is it when you apply the brakes or when you accelerate? You'll be able to discover the core issue based on these questions.
Clear up the obvious
After you've checked and fixed the alignment, your tires would be the next thing that would be an obvious choice as to why the car would be moving or veering to the right or left, it makes sense right? If your car is moving only to the right, it could be that your car's left hand tires have more air pressure than on the right, or just one tire. This can be something that with a quick check at repair shop they will do this for free for you. Find out what your car's recommend tire pressure is.
Could it be the Axle?
Since you've checked your wheel alignment, your tire pressure and you still find that your car is veering right or left, it possibly could be your axle. It would take a lot of force to mess with your axle but it could be as simple as going through the median where your car bottoms out scraping slightly your axle to bend just a little on one side causing a torque in the way your car drives. That's far fetched, but it definitely happens you might want to get your axle looked at. This is commonly called the "thrust line" distance. It means the front and rear axle are too far apart causing a slight degree shift this can cause the two to no longer be parallel, and the the base to no longer be perpendicular with the axle. This can clearly be misaligned with years of driving, manufacture, tolerances and other causes. Dog tracking can happen to any manufacturer, even if nothing occurred, it was just poor craftsmanship, however it's more likely something occurred this and needs to be looked at by a professional.
Another answer could be the steering box or steering bag. By doing an "over-center adjustment", meaning with the wheels as straight as you can get them you lose the steering adjustment bolt to reduce the lash. If you twist too much you can reduce tolerances too much, you'll know you went to far when the steering wheel stays where you are in stead of returning straight ahead.
Get your brakes checked
Lets say you had your wheel alignment looked at, your tire pressure exacted and even your axle looked at and it's still not corrected, it's time to take a look at your brakes. One brake could be getting caught not being able to move forward because of a small pressure lagging that side or tire while the other tires are freely spinning with no issues. This is as simple as changing you brake pads. So if you think you're having brake problems this can turn into a huge problem in the future, make sure you have these looked at before you go anywhere else.
Keep calm and continue having it looked at
Don't freak out after you haven't figured everything after one check of everything on this list, have it professionally looked at further to determine what is causing this strange drift or alignment issue. If it's more severe or still sever there needs to be an answer, if it's minor and still bothers you take it in. If you able to live with the slight drift then it could be just fine. Again, keep calm and keep on driving!!
Window tints are a thin laminate material that can be installed on the interior and exterior of glass windows in all sorts of vehicles and homes. It is usually made from polyethylene terephthalate. Window tints are generally categorized in four components, (dye, metallic, carbon and ceramic.) The first tints were done back around the time World War II started, a popular manufacturer was EZ Eye factory tint. Since they were the first real company to manufacture tint films some people at home tried making their own make shift window tints using a spray which didn't have the same effect. In most cases it was uneven and hard to keep consistent throughout the window. The first real window tint was invented in 1966.
Window tint film started out as "dye based" which didn't have good control of the heat within the car interior allowing the car temperature to quickly rise and didn't respond well to the sun's heat, creating bubbles and easily pealing off of the car window.
The next generation of car window tints were metallic window films, created in the nineties. It was a mixture of metallic with dye in the film. These had a stronger resistance to shattering however blocks cellular service yet is still able to resist up to 50% of the heat.
The newest tints of today are are ceramic window tints. These tints last, well forever. They are unbelievable with hear rejection and have no interference with electronics. They also have UVA and UVB rejection with less tint to the film allowing more light in while still rejecting the UV rays, if tinted darker the UV rejection is even higher. These tints are constant exceeding expectations and growing in popularity.
Overall window tints are increasingly growing and has started the the new power of vinyl wraps, which has increased in popularity. Window tints will always be in demand due to their scientific and proven benefits and increasing style and common usage.
whAT TO EXPECT ON THIS DAY?
Because everyone on this day is hustling about getting presents, looking for the best gift they can find this year.. there's also much more anticipation on this day than on Christmas. I personally feel it more on the days leading up to Christmas than the actual day. In the back of your mind you know everyone is going around buying presents for family members stuffing their stockings and making lists of what they want for next year. Christmas Eve Eve is capitalisma and commercialism at it's best. With lists and lists of presents and friends sending small and simple kindnesses that keep one another close in theory, but how are our hearts. Are we really closer to each other from giving one another a gift? I would say, YES! If it's with the heart you could say we are being like the wiseman who presented the gold, frankinsense and myrr. I like to think that gift giving is like a representation of our commitment to a baby, in Jesus Christ. We forget our cares for the hollidays and want to give and receive.
But what to expect? Family members to want to be close to you. Family traditions to be formed, good examples? Making ginger bread houses, going places with family, opening one present, trational mary and joseph play presentation, travel, parties and togetherness. It's a wonderful time of year! A celebration of the time when the birth of the King of Kings was born. A time to reflect on all that He as done for us. Although we don't see it or with our eyes, we feel the feeling that this was something important, to remember the Son of God, why? Because He paid the price for all sin and allowed all humankind a chance to become cleansed like He is clean. To be recommpensed for all wrong to one day enjoy life like He lives it. We expect that to be the motivating factor behind all the hustle and bustle to give the gifts that we all want to recieve, LOVE.
Why is Christmas Eve a Celebration in itself? It is believed in Lutheran churches that Christ was born at night, midnight mass is celebrated on Christmas Eve. We thus find lots of family members celebrating on this day the birth of Christ, reinacting his birth. It is also the tradition that Saint Nicholas, Santa Claus or Father Christmas would depart their homeland on their long annual journey to diliver gifts and presents to children all around the world. Many people belive this tration of gift given is given from the maji, who were the wiseman who brought presents to Christ at his birth. Saint Nicholas was trationally known to have lived from March 15 270 - 6 December 343. He was also known as Saint Nicholas the Wondermaker from his many miracles that he performed. He however began secrecly giving gifts to various people, which has formed the traditional model we now know as the role of Santa Claus.
There is so much happiness and joy with the secret gift giving. It means hope. It means miracles. One example is a friend I made while I was in Brazil for two years. When his family not only didn't have money for Christmas, they didn't have enough for the coming bills to pay their mortgage and gas bills. They had spent their money on fivolous things like a Porsche. However they didn't have anything to give each other on Christmas. They had been praying for months for something to happen. To get a Christmas miracle they didn't have any money for the coming months. When they got home Christmas Eve Eve, with days awaiting Christmas day they found an evelope on their front porch. "What is this??" Must be a letter from aunt Stephanie. After hopening it up it was $10,000 cash in an envelope. No known person. It wasn't stamped, just a full envelope. They thanked their God that day for the gift of their secret santa. With enough money to last the next 5-6 months for their bills they had their fires full and warm that winter.
This is the meaning of Christmas and the things we see on Christmas Eve Eve. May you have a great Christmas and remember Jesus Christ this winter season.
huma island a place of paradise
For our window tint followers I decided to explore freedom of having a blog and blog about a great destination spot I'd like to visit someday. Huma Island. This magical heavenly and magical destination was a craze back in the 13th Centrury and continues to grow in its popularity and usage.
It's located just of the Island Busuanga, which is the largest island in the Calamian Group in the province of Palawan. It is considered a travellers paradise due to its laid back and rich in Filipino culture.
The Huma introduced the most exotic of herbs and spices, cutlery and textiles and was a location for vendors to grow opium and tobacco in the 13th century. Today is an exotic getaway full of indulgence and adventure. Completely cradled in the majestic turquoise blue waters.
The Island itself is extremely small however has several resorts hosting thousands of people per year. It's extremely rich in cutlery and spices and tobacco leaf despite it's size and has several times been feature on major magazines for amazing photography.
Edsel ford Takes over as president and starts the lincoln CONTINENTAL introducing its first model, the Zephyr.Read Now
Edsel Ford, Born Nov. 6 1893
Edsel and Eleanor Ford
Dual cowl Model A Ford, Edsel's car
1922 Lincoln Phaeton
Edsel Ford was born in Detroit Michigan being an only child and was named after Edsel Ruddiman being one of Henry's favorite childhood friends.
At a young age Edsel showed more interest than his father in flashier stylish vehicle's. While working on the 1927 Model A, Henry Ford ensured it's durability and quality while Henry put Edsel in charge of the New Model A's body. At the same time Edsel helped develop 4 wheel mechanical brakes and a sliding car transmission. Due to this development, the Model A sold over 4 million models in the first four years.
Though he and Henry disagreed on major issues, they still remained a closeness. Edsel stubbornness, though talented and enormously influential in building cars, was the cause of his premature death in 1943. He was well educated due to his father's amassed fortune, he was however isolated until it became time for him to take over the family business as president and joined the company right out of high school. As president he introduced the brand Mercury and the Continental Lincoln also known as Lincoln that we know today. He took the company oversees and modernized these cars using hydraulic brakes.
He loved working along side his father, though his focus and attention was towards their body and style rather than mechanical and engineering. As a board member learned his father's resistance and determination to maintain the status quo while out of the country became the unintended heir to the empire. While Ernest Kanzler, Henry's Vice President was trying to convince Henry to change the model T to a 6 cylinder due to the drop in sales, with Chevy's newest introduction of color options and more. This threw Henry into a rage. This threw Henry into rage, to think the Model T needed 6 cylinder and demoted Ernest replacing him with Edsel.
As Edsel established himself he became increasingly focused on the style and flare for the vehicle. He hired design and styling company to compete with General Motor's color and design. He hired head designer John Tjaarda and E.T. "Bob" Gregorie, veterans of the coachbuilt era. They introduced the Linclon Zephyr in 1935 which was undeniably stylish and new yet continued his father's legacy in showing the world that Ford is a name never to be forgotten.
1935 Lincoln Zephyr
Edsel will be remembered for his design techniques and innovatinos done in brakes and taking the company oversees among other accomplishments. However, his constant constant warring with Bennett and his father left Edsel bed ridden with ulcers. While the elder Ford blamed the sickness on Edsel's jua deviv lifestyle, he forced him to drink unpasteurized milk from one of the Ford farms. The unfiltered contaminants thus killed Edsel on May 26, 1943. He was only 49.