Successful Blog

How to Save on Business Insurance – And Why You Need It Now

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Business owners face a lot of expenses. One way to lower costs is to shop effectively and look for how to save on business insurance rates since every nearly every commercial enterprise needs insurance.

Get the Right Insurance

Business owners need to be aware that when they drive their car, truck, or van for commercial purposes, they need to purchase commercial auto insurance. This can be for one vehicle or for several vehicles, but premiums can get expensive.

Just like people need auto insurance for the vehicles they drive for personal reasons, they also need to purchase commercial auto insurance for the cars they drive for work. Commercial insurance has a different risk category than personal lines.

Hire Safe Drivers

Safe driving is a key step to keeping costs low. If there is an accident when the owner or an employee is driving for the business, the business insurance policy will cover the vehicle and the protect person driving, but an at-fault accident will increase rates. This is why it is important to hire scrupulous drivers and screen them in advance.

Drivers with clean driving records are the best choice as they present less risk and can save you a lot of time and hassle in the long run. It may be difficult to find several drivers who have completely clean records, but business owners can weed out those with checkered records as they can raise
business owners’ premiums.

Also, if a business owner has multiple vehicles, it is best to combine them onto one policy so as to take advantage of multi-vehicle discounts. Many of the top auto insurance companies offer great policy options for business owners.

If you have drivers putting on a lot of miles, it may be wise to put them through a defense driving training course. Some insurance companies offer discounts to drivers who attend safety courses. By having their employees in these courses, business owners may be able to lower their insurance rates. Check with your company to see if this discount is available.

Raise the Deductible

As with personal insurance policies, business insurance policies have a deductible, the amount of money that the business owners will pay if their vehicles are involved in a car collision. When the deductible is higher, the insurance company will lower the insurance premiums. However, Business owners must be sure they have the funds available to pay the deductible if their drivers are involved in a vehicle collision before they choose one that is too high.

Consider Different Payment Options

By choosing the right payment options, business owners will save a lot of money on their insurance premiums. First, they can opt to pay their premiums all in one sum rather than on a monthly basis. This option helps them save on the administration fees the insurance company charges for month-to-month payments.

Business owners will receive up to a 10 percent discount from some insurance companies for paying their premiums up front. If business owners find it more affordable to pay their premiums by the month, they may be able to save on the administration fees if they sign up for electronic payments. This option also prevents them from being susceptible to having to pay late fees because the amount will be debited from their bank accounts on a set date.

What’s stopping you from having the right insurance for your business?

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Author’s Bio:
Jason Nelson writes about driving safety tips and how to save from top auto insurance companies at BestCarInsuranceCompanies.net.

Thank you, Jason! Great information!

–ME “Liz” Strauss
Work with Liz on your business!!

Images & Words: Are You Ready to Make Opportunity and Change the World?

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When I started blogging in summer 2005, I wanted to keep the writer’s discipline of writing every day. No one could have predicted, that it would lead me to several blogs, a fabulous business partner, a conference and consulting business, and place in a fabulous community. When I started photographing the sunrise in spring 2011, I wanted to keep a writer’s discipline of remembering to look out my window every day. The photos are starting to write stories with me. Now I’m starting to wonder where that will lead …

How to Make Opportunity and Change the World

Our businesses and our lives are in a constant state of change. We can try to tie things down, keep things where they are. It’s a battle that we’ll never win. On the other hand, they say some things never change. And the more they change the more they stay the same.

Change is like the rain. It’s not good or bad. How we see it is what makes us think that.
Do you see change as a problem or an opportunity?

See the opportunities.

Do you live in the sun or the shadow?

It’s your choice you know.

Do you see the clouds on the horizon …
or the color beyond them?

Maybe it’s time to move your focus.

Sunrise looks empty without the clouds

Notice how everything contributes.

Sunrise – sometimes it’s where you look for it.

Find and define new ways of seeing things.

Carry a sunrise in your heart today!

Shed light on the good things that you can make happen.

Problems and opportunities are the same things seen with a different attitude.
The minute we quit fighting a problem it becomes an opportunity.

To make opportunity, we need to trust enough to see what we’re not yet imagining.
To change the world, we probably should change how we see what’s wrong with it.

Are you ready to make opportunity and change the world?

Be irresistible.

–ME “Liz” Strauss
Work with Liz on your business!!

Ideas & Infographics: Is Social Media Ruining Our Minds?

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by Mihaela Lica

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Social Networkers and Social Conversations Everywhere

Social media is going stronger than ever, Google + now seizing the forefront of all our frontal lobes, or at least resting on the minds of networkers everywhere online. The power of that so called “conversation” we all adopted as a fact of life though, does not come without a price. Along with the profound positive effects Facebook, Twitter, and g+ afford us, there appear to be some “less than positive” effects you may not be aware of.Scientists now believe social media may impact cognitive function and development negatively. From multitasking to other focus oriented skills, it appears a sort of transformative process is occurring – in short, our brains may be adjusting. The infographic courtesy Assisted Living Today below is demonstrative of this theory. You may want to investigate this.

[Click the image to see the isolated infograph and again to see it full size.]

Let’s Move Some Ideas at a Human Pace

As you can see, How Social Media is Ruining Our Minds opens up a bit of a can of worms where knowing what’s good for you on the web goes.

What?

Did we all assume pecking away at our keyboards, smacking those barriers with a slingshot and Angry Birds, endless hours of looking at crazy or not so crazy video would have no effect? The bigger question is, “Just how rewired have you become?” Our attention spans have become so short (perhaps) that soon a friend will have to get even the most “fuzzy” feelings across in microseconds. I don’t know about you, but I like my kindness and consideration delivered at a leisurely pace. That goes for absorbing other wonderful things on and off the web. Of course, those pesky “scientists” don’t know everything yet. Let’s hope so anyway.

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Author’s Bio:

Mihaela “Mig” Lica founded Pamil Visions in 2005 where she uses her hard won journalistic, SEO and public relations skills toward helping small companies navigate the digital realm with influence and success.

You can find Mig on Twitter as @PamilVisions

Thanks, Mig! Thank you, too, to Assisted Living Today!

–ME “Liz” Strauss
Work with Liz on your business!!

Break the Conspiracy to Build a Peak Performing Team in 2012

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Don’t Be Led Astray By the Conspiracy of the Team Player

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I’ve been thinking about the concept of the “team player” and the one time I had the outstanding pleasure of playing on a true team that built a business. I built a team or two and saw them dismantled by situations that undermined and contradicted true collaboration.

Why is that we do so much talking about being part of “the team,” when the underlying message is something different?

Think about it.
We learned to walk, talk, eat without benefit of a team.
No team could teach me to balance a bike or tread water to save my life.
Anyone who’s tried to pass on their experience at any of those skills knows that we learn them individually.

At school, we get individual report cards.
We get graded or assessed on our own performance.
We’re not supposed to share our homework.
We graduate as one person.
Our job applications are about what we as individuals have done.

We get hired alone.
We get raises and reprimands on our own.
We get an individual performance appraisal — it might speak to our team’s performance, but the rest of the team isn’t in the room.

And when we get fired, “the team” is told not to talk to us.

Where’s the team in all of that? What is a team anyway?

How to Break the Conspiracy of the Team Player to Build a Peak Performing 2012 Team

It’s a conspiracy that we ask people to be team players in situations that don’t offer a team. To break the conspiracy, we have to shift our thoughts to the community that is the team by valuing their contribution more than their job roles.

A true team is a group of people with complimentary skills who coordinate, delegate, and collaborate in ways that enable each person to invest peak performance moving the team forward to it’s highest goals. Great teams, like great leaders, are self-aware in that they know what each person should be doing more of and what each person should be doing less of — how each person contributes to the strongest team. When the team loses or adds a team member the team looks to fill a skill set that the team needs to be even stronger at what they do. Leadership is a quality shared by every team member no matter the level or area of expertise.

How do you get to a team like that?

  1. Hire leaders who share your values. Look for self-aware people who know their skills and have their ego intact. Leaders want to build something they can’t build alone. People who share your values will choose the same decisions as you will.
  2. Hire to the team. Don’t hire individuals. Hire one high performer and determine the key area at which he or she excels in his or her given job role and focus that role to take advantage of that. Then look for the additional skills in your next hires. In other words, adjust the job descriptions to enhance the performance of the best talent you find.
  3. Build out the team the same way. When a someone leaves the team, pull out the existing job description and have the team compare it to their own existing skill sets. What skills on that description are already covered well by two or more people on the team? Rewrite the new description to balance what you’ve got. For example if your marketing person leaves team and everyone on the team is social business savvy, write the new job description to find someone who “gets” social, but “lives” marketing data and analytics.
  4. Expect true team behavior and incentivize it. Lay out your goals and hold a quarterly appraisal for team performance that is tied to earnings. Move the team to solve their own problems ciollaboratively in the same the build their budgets and strategies. High performing teams thrive when they have
    • common goals — an agreement to work to achieve the same mission.
    • open communication — honest sharing of information that allows the team to move things forward efficiently
    • shared values — an agreement on what defines the standards of good behavior and good work
    • commitment to the group — every member inextricably bound to the team’s success
    • processes that support a culture of teamwork — the focus is on great performers who attract and nurture other great performers, because they’re truly fans of great performing teams.

    5. If it’s your goal to build a true team, trust the great performers you already have to help you start.
    Be a fan of great performers who are fans of great performers. Ask them what they need to perform at their peak and give them as much of that as you can. Constantly remove roadblocks and keep finding ways that they can do more of what they do well and less of what they do only adequately. Encourage everyone to notice others’ strongest skills and how the team might better use them..

    How will you break the conspiracy of the team player to build a peak performing team in 2012?

    Be irresistible.
    –ME “Liz” Strauss
    Work with Liz on your business!!

4 Steps to a Job When You Graduate

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A Guest Post by
Darren McCloskey

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Fully Prepare

Dissertations have been handed in and the months until graduation are quickly slipping past – but what next? It won’t be long until graduates start out on their intrepid job hunting adventures and companies begin to snap them up into employment. It’s now time to sit back and begin to plan your next steps. Finding a job is a time investment and you’re going to need to be fully prepared. Thankfully, we’ve created an expert guide on graduate job seeking so you know how to move onto the next stage of your life.

The Bottom isn’t so scary

For those of you are who are lucky enough to know what you want to do in the future, the best first step to take is to make note of organisations you would love to work for. Whether it’s because they offer high wages or just seems to have the best cultural fit, make a list of them all and spend some time looking up the various roles they offer. If there aren’t any at your graduate level, look at roles that are lower down – even if this means starting at the bottom. If you can show passion and a great work ethic at lower levels, why would they hire someone else when an opening for your ideal role appears?

Head to your chosen employers website and try to glean some information regarding their recruitment process. If they use a particular recruiter, make note of their name or find out the names of the in house recruitment team members. Remember not to dismiss any role that you can apply for – it’s not just a job but a networking opportunity, a valuable asset when only 40% of jobs are openly advertised to job seekers.

Internships aren’t always Unpaid

While unpaid internships seem to be floating around at an increasing rate, there are ways to make them work for you if you don’t live at home or have savings to support yourself. Internships are a valuable way to get work experience and gather a number of industry contacts for later use in your career. If you can’t manage to work unpaid for a month or so, ask if you can work on a part time basis, so you can balance unpaid work with another paid part time job. Even asking for an afternoon every week to do some work experience will be beneficial to you in the long run and allow you to get a grasp of job roles and contacts in the industry.

There’s Plenty out There

There’s a whole industry of recruiters devoted to placing graduates into suitable roles, so don’t fret, there’s definitely a job out there for you. Of course, there may be a higher amount of competition for certain roles, but determination and persistence can get you anywhere. On average it takes around 60 job applications to get an interview or two, but if you’re still struggling to hear anything then perhaps you should consider getting your CV checked over, or downloading a new CV template.

Your university should offer careers advice and set you on the right track. They may even advise you on contacts they have so you can call up for an impromptu chat or networking events that you can attend to widen your horizons.

Always make sure you have thoroughly researched the company that you’re sending an application to. Considering the amount of competition your application might have, it’s best to be right the first time and show you have commitment to learning more. For instance, looking up potential colleagues on LinkedIn or finding their blogs online will be another point you can cover in future interviews and make you memorable.

Companies want to know about YOU

Reports have shown that the quality of applications that employers have received has improved. Graduates have proven to be adept at answering competency based questions but seem to falter when it comes to what motivates them! Beware of tricky questions such as “Where do you see yourself in five years time?” and “Why do you want this role with us?” as questions such as these cannot be blagged. They require preparation and a thought as to what your goals in life are. Once you have an interview set some time to sit down and go through as many possible questions you can think of. Make sure you know what you want and why you want it – if you can’t explain why you want a job, why should they give it to you?

So there you have it, four simple pieces of priceless advice to get you on your way to graduate employment.

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Author’s Bio:
Darren McCloskey is a freelance writer working within the recruitment section with the people of monster to help promote how employment agencies can help find engineering jobs

Thank you, Darren!

–ME “Liz” Strauss
Work with Liz on your business!!

Choosing and Deciding: How Do You Sort a Path to Opportunity?

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Knowing the Right Path

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It’s the end of what’s been not the best year. The economy is still uncertain. History tells us that it’s times like these that great leaders and great business are born. Inside and outside of traditional business, people are finding their path to opportunity, showing up with their skills, and claiming their reward.

Survey the landscape and three groups stand out.

  • People who are following a path to opportunity set out by someone else.
  • People who are forging their own path to opportunity.
  • People who can’t seem to find a path to be on.

Which group describes what you’re doing?
What are the first two groups doing that the third group is not?

Choosing and Deciding: The Key to Sorting a Path to Opportunity

Every change, every cycle, every downturn and upturn in the economy offers opportunity. The question is how do you find the best opportunity for you, your business, and your team? No matter the economy, we see old and new companies succeeding — How did SAS in Cary, NC get to be #1 on CNN’s 100 Best Companies list? How does Zappos keep growing their happiness business? … and individuals who are doing the same thing. — How did Susan Gregg turn her closet into a $50 Million business? How did Michael Mothner turn a tough interview question into a $12-13 Million business?

How did those folks find success how did they figure out where they’re going and stay true to that?

Obviously every business and individual who’s enjoying success has sorted and found their unique path to opportunity.
Key to that success — leveraging opportunity — is understanding the difference between choosing and a deciding and know when do each. What kind of choosing and deciding sorts the world of possibilities so that we can get on to that same sort of success?

When the Possibilities Are Endless You Need to Choose

Naturally the first step is defining and describing our unique version of success. If the possibilities seem endless, then you need to start with choosing.

Choosing allows us to try alternatives. The origins of the word choose are in French and German words that literally mean to taste or to test. A choice is what happens when we survey a box of chocolates knowing that whichever we take now, we’ll return later to take another one. The choice is a selection that resembles a bungie cord – make a choice, enjoy it, and bounce back to make another version of that choice again. We can choose more than one, even if we’re choosing one at a time.

If you’re choosing, do this.

  • Start broad.
  • Look to your past successes. What common threads do you find in all of them?
  • Identify 5 -7 categories, skills, problems you’ve been solving, or topics to focus your quest.
  • Take time to experiment. Mix and match a few ideas that have worked for you in the past.
  • Try out the possibilities to see what fits.
  • Talk to people who know you about the results.
  • Use each test to narrow your options.

As you keep trying on the options, you’ll begin to see what fits your values and your skills (or that of your team/business). Use the choosing to focus in on a clear vision of where you want to go or what you want to do. Brainstorming, ideation, conceiving new products and new initiatives all start with choosing from the wealth of possibilities available to you.

When It’s Time to Move Forward, Decide

Open options work great when we’re testing and trying, but when it comes time to be building and buying too many options paralyze. Moving forward requires commitment to one option, one direction or it will be too easy to get pulled aside.

Deciding allows us to determine a path. Decide literally means to kill off all other options. Deciding is what happens when we face the junction of many roads, knowing that whichever we take we’re moving on a path that means undoing to go back to that juncture again. We can commit to only one decision, but that commitment determines our direction, sets our destination, and fuels our ability to stay on course.

If you’re deciding, do this. Ask and answer 3 questions.

  1. Can you see the destination? Every time you succeeded you could see the finish when you started — the college degree, the thriving business, the trip across country. Define and describe where you are going or you will never get there.
  2. Is your head in it? Have you the skills, the DNA, and the ability to learn what you need to know to do this? The perfect opportunity is at the crossroads of your skills and the challenges that you enjoy most. Boredom comes when things are too easy. Anxiety sets in when things are too hard. Failure is certain when we choose challenges we weren’t built to meet. I’m 6 ft tall, so despite my grace and my 14 years of dance training, I’m never going to be a ballerina. But in my own way, I’ve become an information choreographer.
  3. Is your heart in it? Will you love the going there enough to keep it fun even when it’s not? Your heart has to be the keeper of the vision, the holder of the commitment that you make to yourself and the decision. We call that integrity. Can you trust your heart to be bigger than the fear that is sure to show up?

Knowing when to choose and when to decide is critical to sorting a clear path to your true north. Choose to sort out your best options then decide on which path will be your own.

Do you use choosing and deciding to your best advantage?

Knowing where you’re going is irresistibly attractive.
Who would follow you if you don’t?

Be irresistible.

–ME “Liz” Strauss
Work with Liz on your business!!