Legitimate Supplements
|
|
- Jerome Richard
- 5 years ago
- Views:
Transcription
1 Legitimate Supplements
2 Legitimate Supplements - Examples:
3 Most adjusters do a pretty good job putting together their estimates. Some are terrible. We ve all had a claim come in that was missing some pretty key items ( like felt paper, or an entire side of siding which you ll see in one of my examples in another lesson). Just like sales managers at your contracting company run sales meetings and teach you to say this when an adjuster says this, don t you think adjusters are also sitting in meetings with their superiors saying, Oh, well when a contractor asks for starter and ridge, just tell them it s included in the waste! all the time, but if they can justify leaving certain items off of their estimates here and there, the fact of the matter is that it is in their best interest to do so. For the most part, homeowners are not knowledgeable enough about construction to be able to identify when their insurance assessment for damages to their home are missing something or are inaccurate. It disadvantage, because they basically just have to hope that their insurance company covered them properly so they get a quality job for the right price. insurance paperwork for your customer and identify any areas of inaccuracy or opportunity to ensure als and labor will be necessary to restore their home to pre-storm condition is written up fully and properly so that you as the contractor are able to do a quality job without cutting corners or eating costs, and that your homeowner pays nothing above and beyond their deductible (voluntarily) per their insurance policy s contract. While we would all like to believe that adjusters are all great at their job, are all completely fair and honest, and are fully capable of putting together a spot-on estimate that restores the house properly and pays the contractor fairly, unfortunately that is just not the case. Cue supplementing. Supplementing is simply revising an estimate to include all the necessary and proper line items so that the work that they do. Just because the insurance company pays a dollar amount that covers the cost of construction, it does not mean that they paid correctly for the job. - box of cereal doesn t actually cost $4 to make. In fact it s probably only to sell it for 50 cents. Not even for $2! Sure, they could sell it for $2 and is $4, and it s not ludicrous to ask for or charge that amount. Plus, they re magically delicious. 2
4 It s not a matter of greed. It s a matter of fairness. This is where negotiating supplements comes into effect. As a storm restoration contractor, you can look at the paperwork and say, Okay. We re using the same software to estimate these claims, so assuming the measurements are correct, we have to identify what line items/materials are missing from the scope. WHY is the estimate only $7,000 when yours is $9,000? What s missing? Is it a code requirement? Is it a steep charge? Did they estimate the incorrect type of shingle? The point of drawing up supplements is to get the most accurate estimate you can so that all line items, materials, and labor is accounted for. Preparing your homeowner for possible (see: probable) supplements It is important to prepare your customer ahead of time for the likelihood of pursuing a supplement to their claim. If you set the expectation, it will eliminate confusion. The sales presentation script we teach already does this, but it is important to touch on the topic immediately after the adjuster meeting. After the adjuster leaves, you ll usually catch up with the homeowner for a few minutes to chat about how it went. This is when you can bring up what will happen next. Say, Well, in about a week or so you should get the paperwork back from your insurance company. It ll probably look like a bunch of gibberish, but don t worry I ll walk you through it. Give me a call and I ll sit down with you and go over the scope so we can make sure everything is there. I ll bring over my original estimate as well which is in the same pricing software so we can compare apples to apples, and if there are any missing items or incorrect measurements, we ll put together a supplement to send over to the insurance company to make sure they can correct any errors if they re there. Sound good? If you d like to further explain or they want to know more about that, use third party stories about supplements you ve had to send. Here are a few of my own personal experiences: I had a homeowner recently who had aluminum siding, and the adjuster on site said they would pay to replace all 4 sides, however when the insurance paperwork came back, I noticed that the measurements were way off. I ed him about it and sure enough, he realized he had not included the rear elevation of siding. After I brought it to his attention, he corrected the error and sent out a supplemental check to cover it. or the correct amount of ice and water shield to make sure that it follows code and runs 24 inches inside the warm wall, things like that here and there. Sometimes we have to send in huge supplements because they totally botch it, but most of the time it s less than a couple thousand or hundred dollars. This lets them know ahead of time that supplements are normal and common, and it squashes any weird suspicious feeling they might get if suddenly you try to tell them the estimate is $4,000 off when they were under the impression the insurance company should have paid correctly. You can also point out the verbiage their insurance company uses on the front page of their paperwork that we examined on page 1 that clearly states that supplementing may be necessary to help them grasp the fact that supplementing is normal and expected. 3
5 In reality, you should be supplementing close to 100% of your claims. Understanding this ahead of time and communicating it to your customers will help make supplementing just another obligatory step in the job cycle process. When you supplement well, not only will your wallet be happy, but so will your customers! Not only are you assisting your customers to ensure that they are covered properly, but in doing so you are protecting them either incurring additional out of pocket costs, or having to accept subpar work or materials via cutting corners to make up for the decreased margins. We re going to show you several case studies of supplements, share our ever-increasing master list of supplemental items, teach you how to identify these opportunities, and how to negotiate them with desk adjusters all the way down to what to say and who to talk to. 4
Sending Supplements. (c) Copyright Roof Sales Mastery, LLC - All Rights Reserved.
Sending Supplements Sending Supplements Where, How, & Why You ve built your revised Xactimate and are ready to send it over to the insurance company. Now we ll Where to send your supplement saved and documented
More informationIf you are over age 50, you get another $5,500 in catch-up contributions. Are you taking advantage of that additional amount?
Let s start this off with the obvious. I am not a certified financial planner. I am not a certified investment counselor. Anything I know about investing, I ve learned by making mistakes, not by taking
More informationWork with a partner. All these words are connected to getting a mortgage. Do you know their meaning?
Warm Up Work with a partner. Are you planning to move house in the near future? Conversation Practice with a partner. Well I finally did it! I ve decided to buy a house! That s great! Have you found a
More informationSTOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN
STOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN 1. This free report will show you the tax benefits of owning your own home as well as: 2. How to get pre-approved
More information10 Errors to Avoid When Refinancing
10 Errors to Avoid When Refinancing I just refinanced from a 3.625% to a 3.375% 15 year fixed mortgage with Rate One (No financial relationship, but highly recommended.) If you are paying above 4% and
More informationScript Raising Private Money from People You Know. For Students Just Getting Started in Real Estate Investing
(Page 1 of 6) FFA = Friends, Family members, or Associate(s) Your FFA Answers the Phone Live: FFA: Hi, (Name of FFA), this is (Student Name). Did I catch you at a good time? I wanted to run something by
More informationECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF
ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF GOT A LITTLE BIT OF A MATHEMATICAL CALCULATION TO GO THROUGH HERE. THESE
More informationTop 20 Mortgage Mistakes Home Buyers Make (and How to Avoid Them)
Top 20 Mortgage Mistakes Home Buyers Make (and How to Avoid Them) Buying a home is the biggest investment most of us will ever make. Unfortunately, it s also the greatest opportunity to make a bad decision
More informationA better approach to Roth conversions
A better approach to Roth conversions Jason Method: One beneficial aspect of our current retirement system is that it allows you to choose when to pay taxes on at least some of the money you ve saved.
More informationMonthly Treasurers Tasks
As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonights presentation, we ll cover the basics of how you should perform these. Monthly
More informationNegotiating Overhead & Profit
Negotiating Overhead & Profit Rebecca Switzer 12 Ways to Negotiate Overhead & Profit Contractors are entitled to a profit on each job, which is defined as the difference between the cost of materials and
More informationClub Accounts - David Wilson Question 6.
Club Accounts - David Wilson. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts.
More informationVideo Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything
Video Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything Video 1 Tax Lien And Tax Deed Investment View the video 1 now: www.tedthomas.com/vid1
More informationThe Limited Liability Company Guidebook
The Limited Liability Company Guidebook Copyright 2017, Breglio Law Office, LLC Breglio Law Office 234 E 2100 South Salt Lake City, UT 84115 (801) 560-2180 admin@bregliolaw.com Thanks for taking some time
More informationA Losing Bet: Binary Options
A Losing Bet: Binary Options What are Binary Options? Binary options the latest investment scam that s costing victims everything. - CBC, March 2017 Binary Options are a sort of wager where investors bet
More information20 Mortgage. Mistakes. Top. Home Buyers Make. (and How to Avoid Them) $49.00
$49.00 Buying a home is the biggest investment most of us will ever make. Unfortunately, it s also the greatest opportunity to make a bad decision that could end up costing thousands of dollars. Top 20
More informationRic was named Best Talk Show Host in 1993 (AIR Awards) and continues to host weekly radio and television shows in Washington, D.C.
Wi$e Up Teleconference Call Budget to Save August 31, 2006 Speaker 2 Ric Edelman Jane Walstedt: Now, I'm going to turn the program over to Gail Patterson, who is part of the Women s Bureau team that plans
More informationVideo Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything
Video Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything Video 2 How To Get Paid View the video 2 now: http://www.tedthomas.com/video2
More informationA Losing Bet: Binary Options
A Losing Bet: Binary Options What are Binary Options? Binary Options are a sort of wager where investors bet on the performance of an underlying asset, often a currency, stock index, or share, usually
More informationFind Private Lenders Now CHAPTER 10. At Last! How To. 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved
CHAPTER 10 At Last! How To Structure Your Deal 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved 1. Terms You will need to come up with a loan-to-value that will work for your business
More informationUnlimited Pips Forex Success Simplified. 1 Copyright Unlimited Pips and Edmund Toh All Rights Reserved.
1 Copyright Unlimited Pips and Edmund Toh All Rights Reserved. Content: Copyright Notice ------------------------------------------------------------------------------------- 03 Risk Disclosure Statement
More informationThe Hard Lessons of Stock Market History
The Hard Lessons of Stock Market History The Lessons of Stock Market History If you re like most people, you believe there s a great deal of truth in the old adage that history tends to repeats itself
More informationScenic Video Transcript End-of-Period Accounting and Business Decisions Topics. Accounting decisions: o Accrual systems.
Income Statements» What s Behind?» Income Statements» Scenic Video www.navigatingaccounting.com/video/scenic-end-period-accounting-and-business-decisions Scenic Video Transcript End-of-Period Accounting
More informationAn Orientation to Investment Club Record Keeping
An Orientation to Investment Club Record Keeping Treasurer Training Orientation to Investment Club Accounting Monthly Treasurer Tasks Non Monthly Treasurer Tasks This presentation is part of a three part
More informationUSSLC. US Student Loan Center. Published by: US Student Loan Center W. Busch Blvd. Suite 200 Tampa, FL 33549
USSLC US Student Loan Center Published by: US Student Loan Center 2803 W. Busch Blvd. Suite 200 Tampa, FL 33549 Copyright 2017 US Student Loan Center, Inc. All Rights Reserved. May be shared with copyright
More informationStretching Dollars Your Vehicle
Stretching Dollars Your Vehicle 2018 FCE Lesson Introduction Maintenance, insurance, gas mileage, repairs, car buying transportation can take a big chunk out of your budget. Gain tips for making the most
More informationLet Diversification Do Its Job
Let Diversification Do Its Job By CARL RICHARDS Sunday, January 13, 2013 The New York Times Investors typically set up a diversified investment portfolio to reduce their risk. Just hold a good mix of different
More informationWhy Your Broker Won t Tell You About Covered Calls Introduction Welcome to our free report, "Covered Calls: What Your Broker Won t Tell You " Today, we re going to keep this report short and sweet but
More informationPennyStockProphet.com:
PennyStockProphet.com: Everything You Need To Know Before Investing In Micro Cap Stocks By James Connelly A.K.A. The Penny Stock Prophet www.pennystockprophet.com Getting Started Investing In Micro-Cap
More informationCopyright by Profits Run, Inc. Published by: Profits Run, Inc Beck Rd Unit F1. Wixom, MI
DISCLAIMER: Stock, forex, futures, and options trading is not appropriate for everyone. There is a substantial risk of loss associated with trading these markets. Losses can and will occur. No system or
More informationSetting the Ground for Business Success
Setting the Ground for Business Success How to define your goals, strategy and metrics www.mrdashboard.com info@mrdashboard.com 211 MR Dashboard LLC. All Rights Reserved. Materials and forms in this guide
More informationAn old stock market saying is, "Bulls can make money, bears can make money, but pigs end up getting slaughtered.
In this lesson, you will learn about buying on margin and selling short. You will learn how buying on margin and selling short can increase potential gains on stock purchases, but at the risk of greater
More informationSTART HERE. Small Business Retirement Plans. Prospecting Guide to. American National Insurance Company
American National Insurance Company START HERE Prospecting Guide to Small Business Retirement Plans 1 Getting Started Every business owner needs a plan for retirement. 2 WHY? They work hard to make their
More informationFresh Start Trust. Lesson #1 Checklist Starting at the Beginning
Lesson #1 Checklist Starting at the Beginning ***This condensed version of the main lesson is for review purposes only. For an in-depth explanation of each of the items listed here, please refer to the
More informationRESPs and Other Ways to Save
for Indigenous Peoples Workbook 4 RESPs and Other Ways to Save Copyright 2017 ABC Life Literacy Canada First published in 2016 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada
More informationHow to start a limited company
How to start a limited company 020 8582 0076 www.pearlaccountants.com How to start a limited company Working as a freelancer, contractor, or small business owner can be incredibly rewarding, but starting
More informationyou ll want to track how you re doing.
Investment Club Finances An Orientation for All Club Members For tonights topic, we re going to be discussing your club finances. It is very easy to do your club accounting using bivio but you need to
More informationprotecting yourself Money Management SESSION #6
Money Management SESSION #6 protecting yourself The Money Management sessions have been developed for the HSBC Opportunity Partnership in collaboration with Catch22, St Giles Trust, The Prince's Trust,
More informationDECISIONS Lindsay Pope, Trustee Support
MANAGING DECISIONS Lindsay Pope, Trustee Support Henry Stokes: I m Henry Stokes, Managing Solicitor Northern Region at Public Trust. I m pleased to introduce Lindsay Pope, the creator of 10 Minute Trustee
More informationMA 1125 Lecture 14 - Expected Values. Wednesday, October 4, Objectives: Introduce expected values.
MA 5 Lecture 4 - Expected Values Wednesday, October 4, 27 Objectives: Introduce expected values.. Means, Variances, and Standard Deviations of Probability Distributions Two classes ago, we computed the
More informationIntroduction to. Tax Planning for Profit
Introduction to Tax Planning for Profit Tax planning is one of those things we all say we do. But how many of us really do it right, and do it for profit? TaxCoach gives you a comprehensive system for
More informationMonthly Treasurers Tasks
As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonights presentation, we ll cover the basics of how you should perform these. Monthly
More informationWe take care of estate administration. Quickly and completely. It s all we do, every day.
We take care of estate administration Quickly and completely. It s all we do, every day. At Kings Court Trust, we only do one thing: estate administration. And from the simplest estate through to multi-million
More informationFirst-Time Homebuyer TOOL KIT. copfcu.com/mortgage. Queensgate (513) Colerain (513) Reading (513)
First-Time Homebuyer TOOL KIT copfcu.com/mortgage Queensgate (513) 381-2677 Colerain (513) 385-4808 Reading (513) 948-1234 Equal Housing Lending. COPFCU NMLS#: 399934 There s never been a better time to
More informationDiscover How To PROTECT Yourself From the IRS In Case You Get An Income Tax Notice or Audit
Garry L. Albert CPA PC (303) 683-7171 galbert@albertcpa.com Discover How To PROTECT Yourself From the IRS In Case You Get An Income Tax Notice or Audit Sleep Better at Night Knowing You Don t Have to Pay
More informationMOCK NEGOTIATIONS: WAIVER OF CONSEQUENTIAL DAMAGES
MOCK NEGOTIATIONS: WAIVER OF CONSEQUENTIAL DAMAGES DPRCG Loss Prevention Role Play Exercise a fun and effective tool to help you convey important negotiation tips and loss prevention info to your staff
More informationLife Insurance Buyer s Guide
Contents What type of insurance should I buy? How much insurance should I buy? How long should my term life insurance last? How do I compare life insurance quotes? How do I compare quotes from difference
More informationABOUT FREEDOM CLUB ABOUT DR. TONY
1 ABOUT FREEDOM CLUB The Freedom Club is a mentoring and coaching program designed to guide you along the path to Financial Freedom. The Freedom Club is also a place where like-minded people can associate
More informationDoes your club reconcile your bivio records every month?
Audit Party! Auditing Your Club Records Does your club reconcile your bivio records every month? Poll 1- True Confessions Poll 2- Are You Planning to Do Your Club Audit this Weekend? What is an Audit?
More informationLifestyle Financial Planning
Lifestyle Financial Planning FINANCIAL PLANNING Our Lifestyle Financial Planning Service The Mathews Comfort Lifestyle Planning Service is available to clients seeking clarity and peace of mind about their
More informationInvesting 101. Jaspreet Singh Minority Mindset.
Investing 101 Jaspreet Singh Minority Mindset www.theminoritymindset.com Table of Contents i WHO AM I & WHAT IS THE MINORITY MINDSET? ii FOLLOW US iii DISCLAIMER 01 HOW DO YOU MAKE MONEY WITHOUT WORKING?
More informationMR. MUHAMMAD AZEEM - PAKISTAN
HTTP://WWW.READYFOREX.COM MR. MUHAMMAD AZEEM - PAKISTAN How to become a successful trader? How to win in forex trading? What are the main steps and right way to follow in trading? What are the rules to
More informationHello, thank you for the opportunity to share some. thoughts on the issues facing affordable housing in PA.
PA. provide mortgage end loans, construction loans company; we hold a mortgage-banking license and and chattel loans to our mutual customers. We are also partners in a company that builds custom certified
More informationManagerial Finance FINC 474. Welcome to week 2 of FINC 474. This is a great time to ask questions about last week.
Managerial Finance FINC 474 Session 2 Present and future value Dr. Michael Kinsman Welcome to week 2 of FINC 474 Last week we Discussed what you learned in accounting Talked about and used ratio analysis
More informationFOR AN UNCLAIMED FUNDS AUDIT
PREPARING YOUR DENTAL PRACTICE FOR AN UNCLAIMED FUNDS AUDIT Reports to run & Coaching to smooth out this experience JILL NESBITT Practice Administrator & Dental Consultant Mission 77, LLC 615-970-8405
More informationFix-n-Flip Wealth Builder
The Numbers When you have a property that you are interested in and you go to take a look at the property make sure you take along a property analysis form, like the one we provide you in our system. This
More informationThis is the Human-Centric Investing Podcast with John Diehl, where we look at the world of investing for the eyes of our clients. Take it away, John.
Human-Centric Investing Podcast February 2, 2019 Episode 25, Social Security: How will benefits be taxed? Host: John Diehl, John Diehl, Sr. Vice President, Strategic Markets, Hartford Funds Featured Guest:
More informationHere are a couple of warnings to my students who may be here to get a copy of what happened on a day that you missed.
Preface Here are my online notes for my Calculus I course that I teach here at Lamar University. Despite the fact that these are my class notes, they should be accessible to anyone wanting to learn Calculus
More informationForex Trading Strategy 10 pips by Rob Booker
Forex Trading Strategy 10 pips by Rob Booker Contributed by Rob Booker Sun, 09 Dec 2007 04:58:53 MST Currency trading can be like running away from the bear. Trading forex offers more opportunity for fast
More informationSurviving Debt { INSIDE } A Quick Answer Guide to Debt Relief. Introduction 1 Debt Getting Help 4-6 About CareOne Credit 7
Surviving Debt A Quick Answer Guide to Debt Relief { INSIDE } Introduction 1 Debt 101 2-3 Getting Help 4-6 About CareOne Credit 7 Introduction. Please know that you are not alone. There are a lot of us
More informationManagerial Finance FINC 474. Welcome to week 2 of FINC 474. This is a great time to ask questions about last week.
Managerial Finance FINC 474 Session 2 Present and future value Dr. Michael Kinsman Welcome to week 2 of FINC 474 Last week we Discussed what you learned in accounting Talked about and used ratio analysis
More informationSome Facts about Covenant s PLR Program:
Covenant s strategic partner has over 10 years experience in the online lead generation business, Covenant s PLR Program has become the standard for online annuity leads. With testimonials in almost every
More information5 Biggest Mistakes Most Home Buyers Make
5 Biggest Mistakes Most Home Buyers Make And 3 Guaranteed Ways to Get Approved for a Home Loan This Complementary Special Report was prepared by: 2 5 Biggest Mistake Home Buyers Make Purchasing a home
More informationGlobal Imbalances and the Financial Crisis: Products of Common Causes
179 Commentary Global Imbalances and the Financial Crisis: Products of Common Causes Jacob Frenkel As you indicated, this paper has two discussants, and I m the last one. So, when I saw what Maury presented
More informationOrder Execution Policy
Share Dealing Order Execution Policy Our approach to order execution This leaflet explains how we execute your orders to make sure we re getting you the best deal we can. We take a number of things into
More informationTHIS HANDY LITTLE GUIDE EXPLORES THE BASICS OF CREDIT SCORING AND CREDIT REPORTING IN AUSTRALIA. TABLE OF CONTENTS
CREDIT MADE SIMPLE THIS HANDY LITTLE GUIDE This handy little guide explores the basics of credit scoring and credit reporting in Australia. EXPLORES THE BASICS OF CREDIT SCORING AND CREDIT REPORTING IN
More informationInterview: Oak Street Funding s Rick Dennen
Interview: Oak Street Funding s Rick Dennen Rick Dennen is the founder, president and CEO of Oak Street Funding. Located in Indianapolis, Indiana, Oak Street is a family of diversified financial services
More informationMOCK NEGOTIATIONS: LIMITATION OF LIABILITY
MOCK NEGOTIATIONS: LIMITATION OF LIABILITY DPRCG Loss Prevention Role Play Exercise a fun and effective tool to help you convey important negotiation tips and loss prevention info to your staff CASE SUMMARY
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationBy JW Warr
By JW Warr 1 WWW@AmericanNoteWarehouse.com JW@JWarr.com 512-308-3869 Have you ever found out something you already knew? For instance; what color is a YIELD sign? Most people will answer yellow. Well,
More informationCommuniqué. A Practice Management Newsletter. July Insurance Design Professional
Communiqué A Practice Management Newsletter Insurance Design Professional July 2015 In this issue: Fee Claims: A Cautionary Tale How Do You Measure Success? Communiqué July 2015 2 Fee Claims: A Cautionary
More informationPreparing to buy your first home?
Preparing to buy your first home? Buying your first home is an exciting journey! However, when you re at the beginning of your home buyers journey, you may be confused about to where to start and worried
More information..and handle the objections, and handle the objections, and handle the objections.
ROOF SALES MASTERY Handling Objections with Adjusters I ve said it before and I ll say it again (and again, and again): there is no magic bullet to supplementing. Sometimes new members of the course dive
More informationI WILL TEACH YOU TO BE RICH BY RAMIT SETHI BOOK SUMMARY
I WILL TEACH YOU TO BE RICH BY RAMIT SETHI BOOK SUMMARY I Will Teach You to be Rich helps you identify where your money is going and gets it working for you so that you can save for the things that will
More informationSAFETY COUNTS. Cashfloat s guide to online safety
SAFETY COUNTS Cashfloat s guide to online safety Eleven Ways to Stay Safe When Taking Out Loans Online When you take a loan, you enter into a binding agreement with the lending institution. This is a legal
More informationAlan Cowgill Interviews Ron LeGrand
Interviews Hello, I m and it s my honor today to be speaking with Mr. Ron LeGrand. Ron is an author, speaker, and real estate guru. He got started real estate investing in 1982, and for the past 14 years
More informationChris Irvin, a 14-year trading veteran of the options, stock, futures and currency markets, is a real-world trader who s determined to help others
Chris Irvin, a 14-year trading veteran of the options, stock, futures and currency markets, is a real-world trader who s determined to help others find their place in the investment world. After owning
More informationIssue 3 June On track. with The Wrigley Pension Plan
Issue 3 June 2014 On track with The Wrigley Pension Plan Yes it s a marathon, but... We ve all heard the phrase, It s a marathon not a sprint and on the face of it that does seem to apply to saving for
More informationFinance 527: Lecture 27, Market Efficiency V2
Finance 527: Lecture 27, Market Efficiency V2 [John Nofsinger]: Welcome to the second video for the efficient markets topic. This is gonna be sort of a real life demonstration about how you can kind of
More informationThe Mortgage Guide Helping you find the right mortgage for you
The Mortgage Guide Helping you find the right mortgage for you Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever make. And it can be stressful.
More informationName: Preview. Use the word bank to fill in the missing letters. Some words may be used more than once. Circle any words you already know.
Preview. Use the word bank to fill in the missing letters. Some words may be used more than once. Circle any words you already know. Advance Organizer Banks, Credit & the Economy Preview. Use the word
More informationENGIE Prepayment. A Guide to your prepayment meter
ENGIE Prepayment A Guide to your prepayment meter 1 An introduction to prepayment Welcome to prepayment from all of us here at ENGIE. This guide is here to give you lots of information about prepayment
More informationBSA TRAINING PRESENTATION CASE STUDIES SKITS By LaReta Lowther
By LaReta Lowther When you read through these, you'll see that each of the skits closes with a "What happens now?" type of discussion point where the facilitator would lead the group in the discussion
More informationThe Truth About How To Create A Secure Retirement Income For Life
The Truth About How To Create A Secure Retirement Income For Life By Mark Kennedy, www.kennedywealthmgmt.com There is so much conflicting information out in the media world about what to do with your money
More informationGetting Ready For Tax Season
Getting Ready For Tax Season Topics of Discussion Filing requirements Process overview Timing Records verification Cost basis reporting changes Scope of bivio program Tax loss harvesting Things to do before
More informationEXPERT ABM BUDGETING STRATEGIES
EXPERT ABM BUDGETING STRATEGIES #ExpertABM INTRODUCTION If you re like most marketers today, you re probably pretty excited about Account-Based Marketing (ABM). But as you re starting to bridge the gap
More informationManager s Conference Minutes Portsmouth City Council July 14, :20 p.m.
Manager s Conference Minutes Portsmouth City Council July 14, 2014 7:20 p.m. 1. General Discussion Councilman Kalb motioned to bring back the Reduction in Income Tax Credit, paying other municipalities
More informationHomeowner s Guide. Choosing a Professional Roofer
Homeowner s Guide Choosing a Professional Roofer Reroofing is a process you may not be familiar with until it becomes time to replace the roof on your own home. And even then, there s a lot to learn about
More informationWhat Should the Fed Do?
Peterson Perspectives Interviews on Current Topics What Should the Fed Do? Joseph E. Gagnon and Michael Mussa discuss the latest steps by the Federal Reserve to help the economy and what tools might be
More informationFirst Home Buyer Guide.
First Home Buyer Guide. CONTENTS 3. Where to Start 4. What to expect from you LoanSeeker broker 5. Government Help 6. Credit History Check 7. Deposit Talk 8. Finding the right loan 9. Home loan types 10.
More informationAdvanced Trading Systems Collection. 10/21/50 EMA Forex SCALPING SYSTEM
10/21/50 EMA Forex SCALPING SYSTEM 1 This is a fairly simple method to squeeze money out of the market with short terms trades. With this one we trade the five minute charts, and we rarely hold a trade
More informationThe Auto Club Group Retiree Health Program. Medicare-Eligible Retiree Guide
The Auto Club Group Retiree Health Program Medicare-Eligible Retiree Guide Replacing Your Auto Club Group Retiree Health Plan Did You Know? With the Aon Retiree Health Exchange, you could potentially pay
More informationThe History of Life Insurance, and Sales Strategies
The History of Life Insurance, and Sales Strategies Product Suitability Term Customers with limited income compared to need (affordability). Customers with a short-term exposure that needs to be covered
More informationThe power of borrowing like a boss
The power of borrowing like a boss Borrowing can help you do some pretty wonderful things. Like getting that home that s right for you and your family (or family to be!). The place where you ll make memories
More informationAre You Receiving 8-10% Interest on your Investments?
Are You Receiving 8-10% Interest on your Investments? If your answer to the above questions is no, you will want to pay very special attention. The following information could significantly increase the
More informationMr M didn t think MBNA had offered enough compensation. He said it hadn t worked out his compensation in the way we d expect it to.
complaint Mr M has complained that he was mis-sold two payment protection insurance ( PPI ) policies alongside two credit cards he had with MBNA Limited ( MBNA ). background Mr M took out two credit cards
More informationFrom The Desk Of: Matthew Whiz Buckley, Options Expert & Instructor 02/03/14
From The Desk Of: Matthew Whiz Buckley, Options Expert & Instructor 02/03/14 As an active trader for over 15 years, I ve seen it all I ve seen fortunes rise from measly, underfunded trading accounts. I
More informationUsing a Credit Card. Name Date
Unit 4 Using a Credit Card Name Date Objective In this lesson, you will learn to explain and provide examples of the benefits and disadvantages of using a credit card. This lesson will also discuss the
More informationMichael Ryske trades mostly in the futures and swing trading stocks markets. He hails from Kalamazoo, Michigan. Michael got started trading in 2002
Michael Ryske trades mostly in the futures and swing trading stocks markets. He hails from Kalamazoo, Michigan. Michael got started trading in 2002 while pursuing a business degree in college. He began
More informationValuation Public Comps and Precedent Transactions: Historical Metrics and Multiples for Public Comps
Valuation Public Comps and Precedent Transactions: Historical Metrics and Multiples for Public Comps Welcome to our next lesson in this set of tutorials on comparable public companies and precedent transactions.
More information