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Showing posts with label Agent. Show all posts
Showing posts with label Agent. Show all posts

Monday, August 27, 2012

Tips for Choosing a Real Estate Agent - Independent Versus the Broker Franchise


The general rule is that it's the agent, not the office that's most important. Go with the best agent you can find, independent or franchise. However, if you don't know any agents and can't get a recommendation, the national franchises usually maintain at least minimal quality con­trol, have procedures that protect both them and you, and usually have heavy errors-and-omission insurance in case one of their agents makes a bad mistake.

Today it's very hard for an independent office to survive. National franchises such as Coldwell Banker, Century 21, R/EMax and others offer heavy advertising, name-brand recognition, and legal support and associated services to agents. They often overwhelm small independent offices with their competition.

As a result, most agents today in most areas belong to a franchise of one sort or another. My own experience has been that only those independents that are either extremely strong, with excellent agents, or very weak, with poor agents, have not been gobbled up by one or the other of the franchises. That usually means that if you're dealing with an independent, you've probably got the best, or the worst, of the field.

It's important to understand, however, that although you may go with a national name in real estate, in most states you're still dealing with a local office. For example, a broker friend of mine had successfully operated an independent office near Los Angeles for over 20 years. He had seven agents working full-time for him, every one a winner.

However, he decided that he could make more money with less effort by associating with a national franchise. So one day, he simply converted. His office now bears both the national name and his own name. It's a fran­chise, he's still the broker in charge and the agents are the same. He operates under the umbrella of the national firm, which provides the support noted above, but you still deal with him or one of his associated agents. In a sense, you're getting the best of both worlds.

Except... the national franchise has strict rules regard­ing the amount of commission charged, how deals are handled, where escrows are placed, and so forth. My friend no longer has the flexibility he once had to tailor-make a deal to suit his clients and customers. Today, he follows the rules. This sometimes benefits those clients and customers, and other times it causes them grief and produces a poorer result.




Gary writes for My Hawaii Real Estate where you can find Oahu homes for sale in the all the major islands. Review real estate on Oahu along with our MLS search for Honolulu real estate listings.




Wednesday, March 14, 2012

Finding a National Flood Insurance Agent


America is a great place to live. Like all other countries, America does have its have share of problems. One of those problems is the weather. At just about any point in time the weather could turn from wonderful to dangerous. One of the most dangerous events that occur because of the weather is flooding.

Flooding occurs for a wide variety of different reasons. Even though flooding can occur due to a number of factors, too much rain is the most common cause of flooding. A large of number of homes are damaged each year due to flooding caused by too much rain. Many homeowners can be considered lucky because they have flood insurance. Flood insurance helps to assist a homeowner in the cost of rebuilding or repairing their home. If you do not have flood insurance coverage then you may be putting your home and your wallet at risk.

When it comes to obtaining flood insurance you will have to find a company that offers it. These companies are most commonly known as providers or agents. Flood insurance agents can service the whole nation or a specific area. Many individuals looking to purchase flood insurance coverage often wonder whether they should select a national flood insurance provider or a local provider.

It is important to note that when it comes to purchasing flood insurance you have the final say. With that said, there are a number of advantages and disadvantages of both a local insurance agent and a national flood insurance agent. Many individuals prefer to work with a well-known agent. Many of the most well-known agents are those that work on a national level. Working with a local agent offers comfort to many individuals, but localized agent may not always be your best bet.

A national flood insurance agent or provider is one that offer coverage to Americans, no matter where they live. National flood insurance providers are often small or large organizations that offer quality flood insurance to all Americans. If you are looking for a well-known national flood insurance provider, you should examine the coverage offered by AmeriFlood.

Searching for a national flood insurance agent could produce a large number of results. Many individuals get overwhelmed and do not know where to start. That is why it may be a good idea to learn about the flood insurance coverage offered by AmeriFlood. Their flood insurance coverage is backed by the National Flood Insurance Program (NFIP) and the Federal Emergency Management Agency (FEMA). The difference between AmeriFlood and other flood insurance agents is the cost of insurance. AmeriFlood offers a 12% discount to homeowners looking to purchase flood insurance.

Whether you purchase flood insurance from a local agent, AmeriFlood, or another national flood insurance provider you should be at ease. Almost all flood insurance providers offer coverage plans that are supported or monitored by the government. This means that you can take comfort in knowing that in the event of a flood your home will be covered.




Ginger Wade is a writer for (Ameriflood) where you can find useful information about National Flood Insurance and other related information.




Insurance Agent Marketing - What Determines the Best States


You of course want to become a top insurance marketing pro. Your territory may consist of the entire nation or a region of states. Whether you realize it or not, each state has its own "personality", making certain states easier for a marketing firm to recruit agents. Without knowing the best states for insurance agent marketing, you will very well likely find your insurance recruiting campaign a failure. Knowledge is golden. Recruiting 101 states: "Insurance Recruiting & Insurance Agent Marketing fails when you try to turn losers into winners."

You will be shown below how this beneficial information is formulated.

Secrets revealed. Listed for you is the insurance marketing information obtained to determine the ranking for insurance agent marketing in each state. Insurance agents were analyzed over and beyond normal boundaries in preparing this marketing report. An immense insurance agent database was closely evaluated looking for trends, statistics, and figures. Next viewed were a state's health and life insurance agents as to how many brokers they have.

This info is closely compared to the demand from insurance company recruiting directors, regional recruiters, brokerage firms, wholesalers, independent marketing organizations, and state managing general agents. Next required factoring in a large amount of the most current economic, Also important is to consider the feedback results received from recruiting firms that mail insurance agents in that state.. Look at the chart below, this shows just 30 of the areas used to analyze and rate the states as accurately as possible for insurance agent marketing rank.

A few other factors supporting the ratings are the number of large metropolitan areas in a state, the impact of career life insurance training agencies, the frequency of fraternal life insurance organizations. Additional knowledge we consider is the impact of super captive multi-life agencies (AAA, S.F, Nationwide, Farm Bureau, Allstate, etc.) along with multi-line independent agencies in farming states. Some states are 5 years ahead of most for insurance marketing. Yet others are 5 years behind most for insurance agent marketing conditions.

30 Areas Evaluated before determining a state's Insurance Agent Marketing Capability.

1. The insurance marketing demand for that state

2. Total State Population from census data

3. Shifting Amount of Population Change

4. Residents per Square Mile

5. Life/health Agents per thousand residents

6. Total State licensed life and health agents

7. Total net agents statewide that broker business

8. Ranking of this state's brokers versus other states

9. Largest State counties of life/health sales agents

10. Percentage of agents in five largest counties

11. Closely Estimating number of PPGA's, General Agents, & MDRT producers

12. Producers in the state brokering Annuity products

13. Producers in the state brokering Financial products

14. Producers in the state brokering Life Insurance products

15. Producers in the state brokering Individual Health plans

16. Producers in the state brokering Group Benefit plans

17. Producers in the state brokering Senior Health plans

18. Producers in the state brokering Senior Life & Health

19. Total Producers brokering any form of health insurance product

20. The United States Senior population percentage average

21. The State's senior population percentage average

22. Percentage of State residents with a high school diploma or equivalent

23. Percentage of State residents with a College Degree

24. Median Family Income in the state.

25. Median Family Income ranking compared to all states

26. Per capita money income per person in the state

27. Percentage of over $100,000 income, using latest census data

28. Percentage of jobs involving finance, insurance, and real estate

29. Percentage of firms that are minority owned statewide

30. Feedback results from insurance agent marketing firms




Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is.

Watch for his new paperback book debuting on Amazon this spring. It is loaded with great insurance marketing and recruiting information.

Come and get your FREE "Think and Grow Rich" Ebook by Napoleon Hill instantly. The website address is [http://www.agentsinsurancemarketing.com]




Thursday, December 15, 2011

The Rise of "Free Agent Nation"


What is "Free Agent Nation"?

As the US and world economies continue to endure one of the most challenging economic periods in recent history, there's a quiet revolution taking place in how we balance our careers with our family life. The term "Free Agent Nation" was most recently brought to life by Dan Pink, author of "Free Agent Nation", where he describes the current trends surrounding an increasing desire of individuals to become independent consultants.

New Trends - New Economy - and a Return to Traditional Values

There are a number of changes happening in our economy and our society that are fueling the rise of the Free Agents, such as:

1. Corporate Downsizing - as many of our larger corporations continue to cut costs by reducing personnel, many individuals are finding it necessary to strike out on their own to develop a new income stream.

2. Employee Burnout - some of the employees who "survived" the downsizing are finding the demands of their corporate positions to be too much. Burnout is driving some to consider options that would put them back in control of their lives.

3. Traditional Family Values - since the tragedy of 9/11, more people have been evaluating priorities and values in their lives. Trading one's life over to a corporation that no longer provides any measure of "job security" is slowly losing its' appeal in favor of spending more time with friends and family.

4. Outsourcing - the number two activity for reducing costs in the corporate structure provides a lot of opportunity for Free Agents to position themselves as a place to be "outsourced to".

Benefits to the Free Agent Consultant

Most independents agree that the benefits of being a Free Agent far outweigh the challenges. The most noted benefits include:

1. Flexibility - there's nothing like being able to develop your own schedule, decide which clients you want to work with and which ones you don't, being there for a child's ball game or performance, and not having to "play in the traffic" early in the morning or late in the afternoon. The ultimate ability to balance one's personal life with their career is a major driving influence in a Free Agent's life.

2. Creativity - as I've interviewed people who have left the corporate structure after many faithful years of service, I've been amazed to see how much the art of being creative has been lost. Most Free Agents get really excited about being able to unleash their creative abilities in a consulting assignment. It is miles away from hearing someone tell you "go sit in the corner - that's not the way we do things here".

3. The Ability to "Make a Difference" - solving a problem and producing a valuable result for someone is at the heart of what motivates and excites many of us.

Benefits to a Company that Hires Free Agents

The benefits of utilizing Free Agent Consultants are as varied as the problems they solve. Some of the more common benefits:

1. Acquire Short-Term Capacity or Skills - a company can increase their capacity or fill in a missing skill without all the overhead of hiring employees.

2. Ability to Dedicate Focused Effort to Resolve a Situation - with employees being consistently stretched to the max, many companies don't even have the ability or time in-house to analyze a situation, much less resolve it.

3. New Perspectives and Solutions - sometimes the answer to problems sits right in front of our face, but if we can't see it, we can't implement it. Outside assistance can often help us acquire a new perspective on an old problem.

4. Enthusiasm and Dedication to Complete the Project - a Free Agent knows it is easier to let them go than it is an employee. Their dedication to pleasing a company is very high. Their pay is tied to their performance, which creates continuous motivation to get things done right the first time.

The Challenge

There are unlimited opportunities in our global economy for companies to become more profitable through the use of Free Agent consultants, and for Free Agents to develop a career that works for them, not against them. There are, however, two major challenges to be overcome.

First, consultants must learn how to effectively sell and market their services - focusing on being an investment to a company, rather than an expense. Return on investment (ROI) is something all Free Agents must come to understand, and be able to show a prospective client how they will produce a return.

On the other side of the table, companies must be willing to invest wisely to improve their situation. Many companies have "locked up" their budgets and refused to spend on anything but bare necessities during this economic downturn. It would be a mistake to wait until things were "like they were" a few years back to start spending again. We have no guarantee that things will ever be "like it was". We only have to look to nature to see that everything is either growing or dying - there is no "standing still". Refusing to invest in the future may look like "standing still", but if there is no growth, there is only one alternative.

It's time to get the world's economy rolling again, for the sake of all of our families, and hiring local Free Agents is certainly one way to do it.




Since June of 2001, Sheyenne has combined her past experiences in project management, recruiting and consulting with her passion for helping local economies grow through small business. Triangle Solutions Alliance, a leading-edge business model, is designed to assist individuals, entrepreneurs, non-profits and small businesses to expand their enterprise, increase their productivity and promote wellness of their organizations, employees and selves.for more information please visit in link www.thepartnerconnector.com/test/




Friday, December 9, 2011

Free Agent Nation -- The Way To Work In The 21st Century


"Free Agent Nation," a book by Daniel H. Pink, shows that

the American way to work in the 21st century is moving away from

employment to self-employment. That's marvelous news.

At least 33 million Americans now work for themselves. The

Industrial Revolution is over in America, and self-employment is

surging in "Free Agent Nation," America in the 21st century.

You must become a "free agent," too.

The number of union members is now only half as many as the 33 million self-employed. Unions, once useful and powerful, are now irrelevant, comical and feeble (but still heavy-laden with lots of cash and leaders practicing leftist political mischief). Union membership is plummeting because the Industrial Revolution ended.

Today's largest "employer" is not an industrial giant. It's Manpower, Inc.,the temp services firm, because many people are now permanent temporary workers, moving from assignment to assignment (a form of free agency).

Another form of free agency, being a NLF player, is more lucrative.

Traditional jobs are disappearing--some in obsolete industries, while others move to foreign countries (known as "offshore outsourcing").

Why pay an American worker $15 per hour when workers in China, earning an average of 61 cents per hour, can manufacture things far cheaper?

Technology brings increased productivity yet permanent job losses for many millions, since technology allows far fewer people to produce just as much.

Don't believe in the hollow political rhetoric about new job creation.

Although politicians will say anything to get elected, they have no power to create jobs. Businesses create jobs, when and if needed.

We predict that jobs will continue to decline. Our economy needs far fewer newly-created jobs, not millions more. But America needs millions more self-employed persons until 80% are self-employed, as before the Industrial Revolution started.

The U.S. Bureau of Labor Statistics finds that, although millions of jobs were lost since 2000, some 1.9 million new businesses were created during the same time.

So, these job losers are not homeless people eating out of garbage cans, as some politicians suggest, but are founders of their own new businesses.

Afraid to be self-employed? Think it's too risky? Jobs are more of a risk to your finances, family, physical and mental health and happiness than self-employment. Self-employed people are twice as likely to earn more than $75,000 annually than employees.

Dread returning to work Monday morning? Don't worry. Since there are many more heart attacks on Monday morning than other days and times, possibly caused by fear of returning for a week of more job stress, most hospitals increase staff at that time.

Is being confined to a cardiac care unit more pleasant that returning to work on Monday?

Working for yourself first means thinking for yourself, not following the flawed and outdated ideas, whims, dictates and of others.

H.L Mencken (1880 to 1956), a famous American journalist, said that people who do not think for themselves belong to a species called "Boobus Americanus."

A "Boobus" is wimpy and spineless, has few ideas of his/her own, and can be pushed around easily by employers, friends, family, intrusive government and sometimes a church and/or denomination.

America's conventional medical system ("the sickness industry") and its economic hucksterism, the moronic popular culture, busybody family members, unsuccessful like-minded friends, and sometimes a spiritually dead yet domineering churches--these things all enslave a "Boobus."

A "Boobus" in corporate management is called "The Organization Man," (described by author William H. Whyte in his book of the same name), an executive or manager continually sucking up to the boss, craving a larger desk, bigger office, more petty bureaucratic power, an annual "merit" raise, a hefty bonus, stock options, executive perks such as a gold key to the executive wash room, and material and high society benefits to impress others such as company-paid country club memberships.

An "Organization Man" loves to perpetuate the status quo, stifle innovation, exercise control by writing and following worthless procedures, attend sterile corporate committee meetings, and squeeze out smart, creative subordinates deemed to be a "poor fit" with the firm.

"Free Agent Nation" has a chapter named "Bye, Bye Organization Guy." Both the "Organization Man" and long term employee are becoming part of a closed chapter in American history. Don't be left behind as a discarded particle in the dust bin of American history. Work for yourself instead.

Neither a "Boobus" nor an "Organization Man" be. Don't continue to live in the past. In today's world, the "old days" sometimes means last year. Change happens fast. You must keep up with it.

The first step to being a "free agent" is to free yourself from the dominion and influence of others and start thinking for yourself in all areas of your life, getting sage advice when needed.

You must work for yourself in "Free Agent Nation," marching to your own drumbeat and cheerfully disregarding advice from whiny, chronically unsuccessful, people--those depending on a change in the weather, good luck, winning a lottery, receiving an inheritance, finding a "dream job" (what an oxymoron!), or qualifying somehow for womb to the tomb government largesse.




John J. Alquist owns and operates Alquist Enterprises. John is a professional speaker, author, and business consultant. Visit John online at http://www.tell-it-well.com Or contact him at john@tell-it-well.com




Thursday, December 1, 2011

Finding a National Flood Insurance Agent


America is a great place to live. Like all other countries, America does have its have share of problems. One of those problems is the weather. At just about any point in time the weather could turn from wonderful to dangerous. One of the most dangerous events that occur because of the weather is flooding.

Flooding occurs for a wide variety of different reasons. Even though flooding can occur due to a number of factors, too much rain is the most common cause of flooding. A large of number of homes are damaged each year due to flooding caused by too much rain. Many homeowners can be considered lucky because they have flood insurance. Flood insurance helps to assist a homeowner in the cost of rebuilding or repairing their home. If you do not have flood insurance coverage then you may be putting your home and your wallet at risk.

When it comes to obtaining flood insurance you will have to find a company that offers it. These companies are most commonly known as providers or agents. Flood insurance agents can service the whole nation or a specific area. Many individuals looking to purchase flood insurance coverage often wonder whether they should select a national flood insurance provider or a local provider.

It is important to note that when it comes to purchasing flood insurance you have the final say. With that said, there are a number of advantages and disadvantages of both a local insurance agent and a national flood insurance agent. Many individuals prefer to work with a well-known agent. Many of the most well-known agents are those that work on a national level. Working with a local agent offers comfort to many individuals, but localized agent may not always be your best bet.

A national flood insurance agent or provider is one that offer coverage to Americans, no matter where they live. National flood insurance providers are often small or large organizations that offer quality flood insurance to all Americans. If you are looking for a well-known national flood insurance provider, you should examine the coverage offered by AmeriFlood.

Searching for a national flood insurance agent could produce a large number of results. Many individuals get overwhelmed and do not know where to start. That is why it may be a good idea to learn about the flood insurance coverage offered by AmeriFlood. Their flood insurance coverage is backed by the National Flood Insurance Program (NFIP) and the Federal Emergency Management Agency (FEMA). The difference between AmeriFlood and other flood insurance agents is the cost of insurance. AmeriFlood offers a 12% discount to homeowners looking to purchase flood insurance.

Whether you purchase flood insurance from a local agent, AmeriFlood, or another national flood insurance provider you should be at ease. Almost all flood insurance providers offer coverage plans that are supported or monitored by the government. This means that you can take comfort in knowing that in the event of a flood your home will be covered.




Ginger Wade is a writer for (Ameriflood) where you can find useful information about National Flood Insurance and other related information.