Dear Insurance Agent...
Texas boomed in the 1980s but it also busted during this period, too. One thing that remained the same was traffic. But since 2014 a change in demographics and a surge of new business landed these Top 50 fastest growing cities in Texas (WalletHub.com-2018):
- 2010-2017 population change: +15.9 percent (from 5,947,419 to 6,892,427)
- 2010-2017 pop. change due to migration: +533,390
- Largest 12 month change: +167,325 (2014-2015)
- Median household income: $61,708
Liability Coverage and Workers Comp are essential for a project's success. But prior to the start of project is safety priority. Hazard exposures are located every where humans are subjected. Proactively identifying hazards before, during and after tend to lessen injuries and promote job safety. Start with OSHA>>>
The auto insurance industry is driven by statistics and personal factors about YOU. Insurance premium is made up of a matrix of factors. So buckle up, as we count down to the behind the scenes of your insurance matrix:
10. Married vs Single: Its fact, two heads are better than one with the insurance industry. Most SMART married couples tend to pave the road to longevity. Couples not only combine their resources, they combine policies, guard credit better, budget household funds better and file less claims. They have legal and economic benefits that make for a champion of stability, investment and family growth(the backbone of a thriving society). George Clooney, a lifelong bachelor knows tying the knot has its perks.
9. Sedan vs Sports: Your car represents you...well, at least, this is the idea the auto industry wants you to buy. A sedan is much less costly when it comes to repair after a loss and a much safer way to get around. If you don't believe it, check out your collision coverage and compare it. Your driving pattern impacts your finances. So the better the driving pattern, the better the finances(get it?) which can lead to increasing that deductible and lowering that rate.
8. Keep your insurance history in CHECK. Prior insurance with lapses or cancellations is a huge impact on you and a driving history report. The insurance companies are surcharging you and adding penalties when you teeter with coverage in Texas. Too many can bump you to non-standard rates(higher than standard, again more money to the insurance companies and less in your pocketbook) until you prove a positive insurance history.
7. If you sold your car a month ago or don't own a car, but hold a license, you still must carry liability coverage in the state of Texas. Its the law. Its fact, got a license, and the insurance industry knows you will likely get behind the wheel of someone's car. A non-owners policy is inexpensive and once you own again, this policy will help you transition smoothly to a standard auto insurance policy...without the surcharges.
5. Lending out your car: Cousin Eddie wants to borrow your car but has a reckless life. He has no insurance coverage, is risking a claim and tarnishing your no-claims history. Think about it! He walk away from an accident with no accountability and claim against your coverage. companies, stays on your record for 5 years. Require Cousin Eddie to purchase a simple non-owners policy which is cheap and guards your no-claims history.
Even though memory loss may be the #1 reason why some issues don't get reported, it is important to keep your agent abreast of possible issues that may escalate later.
In recent years, the headlines spark wonder if the insurance outlook for consumers will shake many small insurance agencies. Buying auto insurance direct for instance, has worked out well online for a number of years. However, when it comes to homeowners and commercial coverage, the agent is still the best beat. Why you might wonder? Online is the craze for purchasing everything and anything. Well, almost.
Trailblazers of American business happened to stumble upon ideas to make life better. Innovative thinkers never stop pushing forward.
But rarely do we find great reads about women contributors throughout the generations. It so happens that they develop ideas far better when adversity is at its fullest.
In the heart of our nation were the founding fathers. But as far back as colonial America, women contributed to the development of business establishments.
In 1718, while women were required to give up their property and rights to their husbands upon marriage, Pennsylvania legislation enacted a bill granting women to serve as feme sole trader. This act allowed women to make sound business decisions in place of their husbands while at sea. The legal authority to help a woman support herself and her children would keep her "from becoming a burden to the public".
Hannah H.T. Elliot, petitioned the court for sole feme trader after reporting her husband for abandonment and unable to support her household including children. Leaving her destitute and frequently borrowing from friends and relative, she was forced to open a trimming shop. She was granted feme sole trader status whereby allowing her sole business operator along with retaining the profits.
Betsy Ross, along with her 1st husband, co-owned an upholstery business. Upon his death, having to raise children on her own for a while, she acquired his property and worked diligently making flags for Pennsylvania. Marrying a third time, didn't stop her from continuing her skills of needlework. The tale of the first American flag belongs to Betsy Ross.
Elizabeth Blackwell was ridiculed in medical school and ostracized when attempting a career in medicine. In the midst of her struggle as a physician, she held strong. In the mid 1800s, after watching a friend struggle with sickness due to embarrassment of visiting a male physician, co-founded a clinic for indigent women and children that would last over a century.
Josephine Cochrane couldn't help but wonder how to develop a better way to wash dishes. After finding much damaged china over the carelessness of her kitchen help, she discovered how water jets could blast powerful streams onto dishes if aligned in racks. Her husband died while her design was formed and almost left her penniless. She worked tirelessly pushing her invention but it changed the world forever. Her company evolved and changed hands after her death, to become better known today as Kitchen Aid.
The inventor of a new fiber developed as Kevlar, known for bullet proof vests, building materials, tires, and fiber optic cable was awarded the National Medal of Technology and inducted in the National Inventors Hall of Fame in 1994. Stephanie Kwolek, a chemist at DuPont passionate and persistent, “I discovered over the years that I seem to see things that other people did not see. If things don’t work out I don’t just throw them out, I struggle over them, to try and see if there’s something there.”
Party plan marketing is owed to Brownie Wise, a single mother, who had a charm and a knack for a product sales model. She took TupperWare not selling well in department store shelves and made into a household name. Earl Tupper hired her to head his company but later fired her after she received recognition for the TupperWare invention.
Throughout centuries, women have faced unpredictable challenges. Whether from despair, pressure, or simply a solution to a persistent burden, the human mind is capable of innovative ideas. How we get from idea to service or product starts with inspiration.
For all those women who defied the status quo, we salute your independence!
Read more women and men entrepreneurial trailblazers...
During WW2, unemployment
became scarce as millions took jobs at war production plants.
Rationing was the selfless act of the American effort as every vital
resource was conserved. Coupons were purchased by consumers limiting
the used of ingredients such as coffee and sugar. Driving was limited
as rubber was required for military production and recycling. Upon
the end of the war, the U.S. aided the greatly suffered Western European sector but included its own reconstruction back home. (WW2 Museum).
1. Fashion and Liquid Gold: In the late 1800s, a young orphan girl is raised by nuns and taught to sew. In her early 20's, she opens a hat shop in France. She ventures into clothing and designs her first dress successfully adding more fashion stores and a customer reach to include royalty. In the 1920s, she launches a perfume as the first with a designer name. She pioneered the Chanel suit and the "little black dress". For decades after WW2, she lived under the shadow of scandal and escaped from public eye. Not until her 70s, did she return to the world of fashion producing comfortable and fitted designs. Her life continues to captivate the masses. The legacy of Coco Chanel reigns through active fashion houses and forever a liquid gold we know as Chanel No.5.
2. A Plow and a Pitch: At the age of 17, he began a career in blacksmith. He found plows to be problematic and repairs reoccurring. Experimenting, he was able to pitch his design to local farmers. John Deere, the inventor, was enabled to design and construct better tools, better steel plows and better solutions for the agriculture industry. But today, John Deere is a leader in quality of out door heavy equipment made especially for farm, construction, forestry, but also includes compact equipment for residential usage as well.
3. International Beauty/Activist/Inspiration: A laundress, widowed at age 20, must provide for her two year old. An orphan at age 7 and married at 14, Madam CJ Walker faced many life perils unknown to many. An oncoming scalp disease brought on by stress and lack of indoor plumbing created hair loss and forced her to search for a home remedy. With brothers in the barber industry, and with the aid of a pharmacist, she developed a special shampoo and ointment. Manufacturing the products was a success.
4. Queen of Latin POP and The Presidential Medal of Freedom: As a toddler, her family fled Cuba upon the up rise of the Castro regime. In her youth, the majority of her time was spent caring for her ailing father, a Vietnam vet and her young sister while her mother, a school teacher attended night school. Her escape was writing poetry and guitar lessons. While in college, Gloria met Emilio Esteban. She was asked to be lead in his band and accepted. A year later the Miami Sound Machine was formed. In 1978 Gloria and Emilio were married and two years later their son was born.
Success began with Spanish language albums but slow to gain in the U.S.
Not until 1984, did the band see a shift in the American market with the English album, "The Eyes of Innocence". Since then, album after album demonstrated the bands success. But in 1990 a near death bus accident caused a sudden halt in her musical career. Gloria recovered and went on to explore other talents in writing, publishing two childrens books. As a trailblazer of Latin culture and music, in 2015, she and her husband were honored the Presidential Metal of Freedom.
Theft is no laughing matter for the insurance industry but there are ways to combat criminal activity surrounding your construction equipment. A great craftsman is as good as his tools. But when tools and equipment are stolen, a project is delayed and your insurance rates climb. As an insured, you have an obligation to add security before something happens. Be a step ahead of criminals scoping your project site.
Tips from the Thieves (irmi.com)
What would thieves say if forced to reveal what is on their minds when planning a theft?
- They most fear getting caught when stealing, storing, or moving the equipment. The risk of getting caught when selling the equipment is considered low because owners usually do not record serial numbers, buyers of used equipment tend not to check titles, and even with leads, it is difficult for police to identify equipment and link serial numbers to owners.
- Sites tend to either well secured or not—some times the work site is impossible to secure or the contractor lacks the care associated with his project site. There is plenty of "poor security" to keep thieves in business for years. It is not necessary to be 100 percent secure, but to be better than average, keeps thieves opting for the less secure sites.
- There is no point in setting up security procedures that are either too complex or not regularly checked, as thieves will just watch and wait until security starts to decline.
- Employees of your firm and other local firms are both your best allies and biggest risks. They are the ones who will usually be responsible for the implementation of security and may even know something about a theft. They could be the ones that let thieves know about poor security. The key is to give employees incentives to help rather than hinder.
- If you don't record your serial numbers, you can forget about getting your equipment back. Even if recovered, you still have to prove that it is yours. Better yet, ways of making this information readily available to law enforcement is by using signs and decals to let the thief know is has been done.