Dennis Volz-Insurance for San Diego County

101 Ideas To Jump Start Your Real Estate Career

2009-04-23T16:57:10Z

Ideas, ideas and more ideas. Getting new ideas is the backbone of any business. Lisa has a great list here that can stimulate your business, your things to do list or your everyday life.

Take a few notes along the way and please leave comments about which ideas you like the most.

Via Lisa Udy Realtor Utah Real Estate Specialist (Logan Utah Real Estate Youngblood Real Estate LLC):

Marketing

Let's get down to business, you can't be successful if no one knows who you are.

The Internet

1. Get a Website- Seems basic, but it's invaluable. The largest market in the world is the Internet. You must have a presence. If you don't have a website already, here is a place to start.

Free Website: Free Websites

If you have the money, I would recommend doing some research in your niche market. See what other successful Agent's are doing. Find out who is hosting their websites and get the details.

2. Blog- Content is king on the Internet. Blogging is a great way for people to get market information in their local areas. You can sign up for blogs for free.

We use the #1 Real Estate blog Active Rain, try it.

3. Get Optimized- SEO:Search Engine Optimization, if you don't know what this means it's time to figure it out. I would recommend doing some reading here. SEO Book This is the #1 E-Book on SEO out there.

There is a ton of information on SEO on the Internet, use it.

4. If You Don't SEO, hire Someone that does- These companies aren't cheap, but this can make or break your business. The year is 2009, and 84% of buyers start there home search on the Internet. If you're not there, someone else is.

If you want some ideas on SEO companies, we recommend this site Top Seo's. This is a list of the top rated SEO companies for any size of business.

5. Submit Your Site to Free Directories- A free directory creates links to your website. It's kind of a complicated process, and I would recommend you hire a professional. If you know what you're doing I would check out this site: Top Ten Risk-Free Link Building Methods.

If you know what you're doing, and are looking for some free directories to start with, check out: Top 50 Free Directories.

6. Online Flyer's- an online flyer is a great marketing tool. You can track who has been looking at your flyer, and how many times. It's a great way to market a listing, and it's free! Check out these free flyer sites:

Postlets Online Real Estate Flyer's

V'Flyer Online Real Estate Flyer's

7. Take A Computer Class- If all this is overwhelming take a computer class.(I know you may not have time to take a class.) Which leads us to our next point.

8. Hire An Internet Assistant/Webmaster- Go to your local community college or University, and find a student with some experience to help you with your website. They are usually cheap and are always looking for school projects.

9. Google It- If all else fails, you can find just about anything you want from Google.

Research your questions. Someone has probably already answered your question, you just have to find it.

10. Create Link Bait- This is a whole job in and of itself, check out a great article here on What is link bait?

11. Write an Article on 101 ways to.... If you put your time and effort into this type of writing, it can become viral. Viral, in Internet marketing, is a good thing.

Learn About Viral Marketing

12. Start Social Networking- Facebook, Blogging, Twitter, Digg, Delicious. Dive into the action and let people know who you are. Don't be scared it's actually kind of fun!

13. Get a Business Email- Stop using your AOL, Hotmail, G-Mail, accounts. A professional looking email can go a long way in looking the part.

When you sign up for a website try to get at least 5 emails associated with your domain name. Most website companies have this implemented into their pricing plans.

14. Website For Every Listing- Having a website for each listing may sound difficult. Well it's not at all, and your sellers will be impressed that your are giving their listing its own URL.

Try this Single Property Website out.

Those are the basics to Internet marketing. There's a whole world out there on the Internet, and when I say world, I mean: The World Wide Web

Build Your Client Base

It's more important then ever to find new clients in today's market. Prospecting should be a high priority. This brings me to my next section:

Prospecting

15. Ask For Referrals-This is the key to real estate. Don't be afraid to ask for referrals, people don't know you need them, if you don't ask. If you're new to the industry, you may not have a client base yet. But if you have friends...

16. Market Your Friends- I can't tell you how many clients I get from people I know. Let your friends and family know you're in the business, and let them know often!

17. Network- Hand out business cards.

Leave a good tip at a restaurant, and give them your business card.

Go to one of your kids school functions, talk to people. This is not the business to be shy, be confident, and let people know how good business is.

Check out this networking site: Top Five Ways to Network Effectively at a Meeting

18. Magnetized Business Cards- The great thing about a magnet is it's useful. They have a purpose other then sitting in a drawer. If you can get front page fridge placement, you're always in view of a potential client.

Check out this Business Card Magnet website.

19. Door Hangers- Go door to door and hang your listing information on all the doors in a selected neighborhood. It's great exercise and it will get you out of the office for a while. It's also a great way to blow off some steam, and chat with the locals about their market.

Here are some great Door Hangers, and cheap!

20. Answer The Phone- This goes without saying. Be available! You never know when it could be a new client.

21. Free Free Free- Incentives are a basic way to generate business.

We give a $50 gift to anyone who gives me a referral after it closes. (In Utah that is the maximum we can give, and no soliciting.) Be sure to follow your state approved guidelines.

22. Promote a Local Business- There's nothing like word of mouth marketing. Sending people to a local business can be a great way to generate yourself some business.

23. Get Involved In The Community- Attaching your name to your community is branding 101. Get out there and be somebody!

Plant a tree on Arbor day.

Go visit the elderly.

Enjoy the people in your community, and they will return the favor.

24. Hand Written Thank You Cards- Just because you closed a deal doesn't mean you're done. Send a thank you card with a small gift.

We usually give a $50 gift card to a restaurant or Lowe's after every deal we close.

We also send thank you cards after every listing appointment.

25. Quarterly Mailings- Stay in touch. This goes back to networking. Network, network, network. Send a small card that offers them something of value.

Show your clients you're still in business and appreciate their past business.

26. Thirty Day Follow Up- I always call my clients to check up 30 days after closing a deal. Make sure there are no surprises, and get an overall feel of how they're doing.

27. Holiday Cards- This is the time for giving. Again let your clients and mailing list know you are still in business.

28. Post Cards- I send out post cards about every other week to all my sellers.

“The Purpose of Feedback,” let's our sellers know why feedback is good.

“Understanding The Real Estate Market,” helps sellers know why they are or are not getting showings.

“Freshen Up,” keeping your house smelling good always helps!

29. Write a Newsletter- this is a great way to inform your local market of new listings, solds, and comparables. Again, I can't stress this enough stay in contact!!

30. End of Year Closing Gifts- we like to give a ham or a nice flower from a local business. We promote a business in my area and give something valuable to all the clients we closed that year.

31 .One Year Anniversary Cards- this is a good time to let your past clients know you love referrals, and you're still in business.

This may seem like a lot of work, but who said it was going to be easy. If you want to be a successful Real Estate agent, you definitely have to work for it.

Time Management

The best agents are great at time management. There is only so much time in a day, and if you use it wisely it makes all the difference.

Be Your Own Boss

32. Go To The Office Everyday- if you're not at the office, you're not getting leads. Being at work, answering phones, and interacting with client's will create new business.

33. Get A System and Organize Your Clients- I can't stress enough how important it is to keep your contacts neatly stored.

34.Get Digital- There are a number of ways to make appointments and store contacts. Find what works for you.

35.Get Top Producer- Top Producer is an amazing software program to help you get digital.

You can check out Top Producer

36.Get A BlackBerry- The blackberry is an amazing business tool. Emails are key, and you can't always be at your computer. A blackberry, or another email capable mobile device, is the solution.

If you don't know what a Blackberry is, click here.

37. Appointment Book- if you're the old school type, or just like to write things down for easy access. The appointment book is a good way to go.

38. Pre-Printed Address Labels- Saving time by having your name and address on envelope labels is a great time saver.

39. Automatic Payments- are essential to time management. Setup as many auto payments as possible. This will also help with the depression of sitting down and sorting through bills.

40. Pay Your Bills On Schedule- Easier said then done. If you want to keep good suppliers, pay on time, if not early. You can also get benefits from your suppliers by being a good client.

41. Keep Your Bills In One Place- This is key to paying bills on time, keep them visible and don't lose them!

42. Your Time Isn't As Valuable As You Think It Is- I hear a lot of complaining from other Realtors about clients wasting there time. Remember you work for them. Their time is also valuable, find a schedule that works for everyone.

43 .Only Be Upset/Mad For 24 Hours- Moping around won't get you any money, and surely isn't good for business. Your always going to have something come up, or fall through. How you handle this makes the difference between a good agent and a bad one.

44. Set Clear Defined Daily, Weekly, Monthly Goals- Make goals and keep them visible. We hang our goals where we can see them constantly. “Goals in sight are goals in mind.”

What Am I Going To Do TODAY.

What Do I Want To Do This WEEK.

What Do I Want To Do This MONTH.

45. Outline Yearly Goals- If you complete your small goals this goal should be achieved. You will find your clients wanting to help you with your goals if you make them highly visible.

Number of closings.

Number of new clients.

46. Schedule Time Off- You can't work all the time. Making sure you have time for yourself and family will keep you sane.

47. Hire An Assistant- We have teams at our office for a very specific reason. You can't do it all on your own.

Time management is a never ending battle. These are just a few tips, find what works for you and stick to it.

Education

Markets are always changing, listings are added, put under contract, sold and expired every day. Stay up to date, it can mean all the difference to your clients.

Get Educated

48. Go To A Star Power University- These classes are absolutely amazing. They train real estate agent's. It's what they do, and they train them well.

How do I attend a Star Power University? Star Power University. Check out their website.

49. Talk To Successful Agents And Co-Workers- This goes along with networking. People who have been in the business are gold mines of information. Good luck, some agents are more open then others.

50. Know Your Inventory- Basic real estate 101 right? You would be surprised how many agent's fail to know their inventory inside and out.

51.Read A Book A Month- There are 1000's of books on real estate, so you better start now!

52. Attend Market Leader Seminars- Find the leaders in Real Estate and plan a vacation around a time they are speaking publicly.

53. Good Title Companies or Escrow Agents- Ask around, see who is the best in your local area.

54. Good Lenders- There are differences in lenders, find the best one in your area, and promote them. Ask other agents who they think does the best job.

55. Continuing Education Classes- Most states require you to continue your education. The more you know the better you serve your clients, stay up to date.

56. Client Surveys- Ask your clients to give you honest feedback. Send them an anonymous feedback form to get the truth. When you get the feedback don't personalize it, grow from it.

57. Be Willing To Change What Isn't Working- If it doesn't work fix it, and fix it quick. Don't get so set in your ways you can't change.

58. Charity- Learn from charities, and how they grow. If you can grow a business without making money you're doing something right. Charities usually have excellent business model's.

59. Weekly Meeting- Meet with your broker/agents weekly. Listen to problems agents are having, and come up with solutions. This is a great way to brainstorm and come up with new ideas.

Staying educated is the culmination of your efforts. An educated agent is a successful agent.

The Daily Routine

Everyday business can become a routine. A good routine is good for time management. When you get in a routine, you become the agent you want to be.

Today

60. Real Estate Bible-Get a big black binder and put all your contacts, all your listings, all your buyers, anything and everything that would be used in the field, and take it with you.

61. Dress For Your Clientel- You don't have to be Gucci if you work in a rural market. Dress the way your clients do, or who you want to represent.

62. Write Your Ideas Down- Ideas last for about ten minutes in your head.

63. Post It Notes- What would we do without them?(rhetorical question)

64 .Smile- A smile is contagious, sometimes you just don't have it in you. On those days, close your door.

65. Don't Sweat The Small Stuff- Easier said then done. If you focus on the short term. You will be overwhelmed to the point of not being able to function. If you can't function daily, your clients will find someone who does.

66. Build Your Business Around What Works For You- List your strengths and weaknesses.

Work to your strengths and delegate your weaknesses. This comes back to hiring an Internet/assistant marketer. If you're not proficient don't waste your time.

Find someone who excels at it and your team will be stronger.

67. Return Phone Calls- You can't answer the phone all the time, but you can return all your calls. Do this religiously, and in a timely manner.

68. Follow Up With All Showings- Whether you showed a house to a buyer, or another agent showed your listing, follow up and stay informed.

69. Call Sellers With Feedback- Plain and simple, yet required to succeed.

70. Check Lists- Make a checklist and check off your daily activities as you go.

Your brain releases endorphins every time you check something off. It's science, but it makes you feel good.

Stay The Course

71. Back Up Your Files- Your computer is going to crash someday. If you have your files backed up it's not a big deal. If you don't, this is the worst headache you will ever have.

72. Past Clients- Call one a day, don't be annoying, be helpful. Provide them with something of value to THEM. Give them updates, let them know how the market is doing and so on. This isn't a phone call about you.

73. Go Out To Lunch- Get out of the office, network, and leave a good tip.

The daily routine can seem like a grind, keeping your goals in a visible place can make all the difference.

Have A System

A system can keep the daily routine a “routine.” It's nice to know what to expect every day. Your clients can throw you for a loop. If you have a great system to handle these clients, your business will run like a freshly oiled machine.

System of Control

74. Buy A Label Maker- The label maker is one of the greatest inventions to organize a business.

I like this Label Maker.

75. Buyer's Guides- Make a guide for buyer's.

First time buyer's guides are great to have when you show up to an appointment with a new client.

Explain what a Real Estate agent does, and why they should use one.

76. Seller's Guides- Inform sellers of valuable information. Have it written down so they can refer to it throughout the selling process.

Good for listing presentations to show what to expect. Details are good.

77. Market Trends- Up to date information is the lifeblood of your listing appointments. Don't falsify information just to get the listing. This will bite you in the @$$ in the long run.

When you present at a listing appointment, you need to be current.

78. Listing Binders- A separate 1 inch binder for all your listings is easy to find and a great way to keep organized. Go to Staples and setup a rewards account to save some money. Office supplies are a necessity.

79. Offer Folders- Create a system to process your offers, checklists are nice for this. Make sure you take care of every detail. This should be the bread and butter to your success.

The more of these the better. (:

80. Keep Your Sellers Separate From Your Buyers- This is your fiduciary duty. Make sure to keep a system in place that won't allow for a breach of your fiduciary duty.

81. Statistics- People like to know how you're doing, and how your office is doing. Let them know, be open.

82. Flyer's With Lots Of Pictures-Great pictures can sell a house. Hire a professional, the money is worth the outcome.

Keep Flyer's on all your signs, and at all times.

83. Most Bang For Your Buck Advertising- The Internet has a lot to offer when it comes to free advertising. Get a system and stay up to date.

84. Keep Your Website Up To Date- Having a website requires maintenance. You need to monitor your website daily.

85. Yearly Expense Spreadsheet- Know your budget, and stick to it.

86. Yearly Sales Spreadsheet- Track your sales to complete your goals.

87. Yearly Advertising Budget- Advertising can be fun, but expensive. Know your limits and don't get carried away.

Some agents just aren't system agents. I would recommend hiring an assistant that is. It makes a huge difference in the level of success you will achieve.

Miscellaneous

Why are you still reading this? Oh, you want to succeed, and believe in education? Good for you, and good for your business.

88. Phone Book Ad- This add should get you on the Internet site as well.

89. Activity Book For Kids- Make a coloring book for the kids. When your showing homes nothing can sidetrack a showing like grumpy kids. Keep them entertained and your client focused.

90. Join The Better Business Bureau- Self explanatory.

91. Find A Hobby- You can't work all the time.

92. Market Pretty Yet Functional- Make sure what you're doing is worth it. Don't waste resources on something that won't function properly.

93. Don't Buy Windows Vista- Vista plain and simple, just doesn't function.

94. Catchy Headlines- If your marketing the Internet or on paper, catch the eye of a potential client and reel them in. Make them want more.

95. Why You Are Better- The art of marketing you. Be different, stand out in a sea of fish. Find what makes you better, and market it.

96. Write an E-Zine- You can post articles here to get your name out.

97. Email Leads-If you do all this right you may be getting email leads. Make sure to follow up with emails promptly, and don't give up after the first time of no response. You should work your internet leads religiously!

98. 3 in 1 Printer- Fax, Copy, Scan. It's a must in this business, I would recommend something cheap because it probably won't last long anyways.

99. Pay Your Dues- You can't be in business if you're not legal, period.

100. Internet Addiction- Don't get addicted to the social networking.

101. Most Of All: HAVE FUN!!

I hope I could be of some help to make your 2009 prosperous.

If you have any suggestions to increase this list or make it more useful email us at: Lisa@LisaUdy.com

Lisa Udy

Auto Car Insurance Quote Imperial Beach - Read This First - 91932

2009-03-31T09:32:04Z

How much Liability Coverage do I need? $500 or $250 deductible? Do I even need Collision Coverage. Answers to these and lots more. JUST CLICK THE - READ THIS FIRST.

Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than an auto insurance quote.

How much coverage should I have?
What Limits are right for me? 15/30/25? 100/300/100?
What deductibles should I have? $100, $250, $500?
Should I even have collision coverage on my car?
What about Uninsured Motorist Coverage?
What's MEDICAL PAYMENTS?
What about towing, rental car and all those "other coverages"?

Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN DIEGO INSURANCE BLOG :

10 Ways to Beat the High Cost of Auto Insurance (Part 1)

and

10 Ways to Beat the High Cost of Auto Insurance (Part 2)

There you'll find all the answers to these questions and more.

Once you've decided how to best configure your coverage, then make a few calls. Ask some friends who their insurance company is and how do they like it. Ask if they've had any claim experience there. Be sure that when you call, get the same coverages for each quote. If they want to quote you some different limits and deductibles, that's great, but make sure you have the one configuration that you started with. That way it makes it easy for you to compare prices and companies.

Remember it's NOT just about the price.

There's convenience of use and claim service to consider. Do you want a local office or are you happy with a 1-800 number in some far off state? Lots of questions to answer. Just be organized and think through what you want. WRITE IT DOWN and keep track of the answers and prices you get.

Alsoo keep in mind, the ease and convenience which gets you the quote is probably an indicator of how other things like car changes and claims might go in the future.

Feel free to call me if you have any questions.... GOOD LUCK!

It's a Good Life !

Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

Imperial Beach, 91932

Homeowners Insurance Quote Imperial Beach - Read This First - 91932

2009-03-31T09:30:20Z

How much coverage do I need on my house? What deductible should I have? Answers to these questions and more.

Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than shopping for coverage like Homeowners Insurance.

How much coverage should I have on my house?
How much Liability coverage should I have?
What deductibles should I have? $250, $500, $1000, $5000?
Is my Boat covered?
What about insurance for my jewelry?
Is my stuff in storage covered?
What's MEDICAL PAYMENTS?
What about Additional Living Expenses

Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN DIEGO INSURANCE BLOG

How Much Homeowners Insurance Do You REALLY Need?

and

Homeowners Insurance - HOW TO CLOSE YOUR ESCROW -- How to buy it, How much to get, and HOW TO SAVE MONEY

There you'll find all the answers to these questions and more.

Remember it's NOT just about the price. There's convenience of use and claim service to consider. Do you want a local office or are you happy with a 1-800 number in some far off state? Lots of questions to answer. Just be organized and think through what you want. WRITE IT DOWN and keep track of the answers and prices you get.

Alsoo keep in mind, the ease and convenience which gets you the quote is probably an indicator of how other things like car changes and claims might go in the future.

Feel free to call me if you have any questions.... GOOD LUCK!

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

Imperial Beach, 91932
Serving San Diego, El Cajon, Spring Valley, Lakeside, Jamul, Santee, Oceanside, Carlsbad, Encinitas, Del Mar, Pacific Beach, Ocean Beach, La Jolla, North Park, Kennsington, East County, Fallbrook, Los Angeles and San Francisco.

Renters Insurance Quote Imperial Beach - READ THIS FIRST - 91932

2009-03-31T09:28:02Z

Answer these important questions BEFORE getting any quotes

Doesn't the landlord's insurance cover my stuff? (hint... NO)
How much coverage should I have?
What Limits are right for me? $30,000, $55,000
What deductibles should I have? $100, $250, $500?
What about insurance for my jewelry?
Is my stuff in storage covered?
What's MEDICAL PAYMENTS?
Why woud I need Liability Coverage as a Renter?

Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than shopping for coverage like Renters Insurance.

Let me offer you a comprehensive view of all of these questions. Take a look at my blog post at THE SAN DIEGO INSURANCE BLOG :

The Miracle of Renters Insurance

There you'll find all the answers to these questions and more.

Alsoo keep in mind, the ease and convenience which gets you the quote is probably an indicator of how other things like car changes and claims might go in the future.

Feel free to call me if you have any questions.... GOOD LUCK!

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

Imperial Beach, 91932

How to Review Your Homeowners Insurance Renewal Statement

2009-03-29T20:21:58Z

For most of us, our home is our single largest and most important investment. Many of us have poured thousands of dollars and countless hours into maintaining, improving and (hopefully) paying off our homes. Many people own their homes free of any mortgage. These assets are pure equity. Certainly its worthwhile to invest 15 minutes a year to be sure it's properly insured.

Thankfully, the insurance company offers you a perfect reminder and opportunity in sending out your annual renewal statement. Even if your insurance is paid by your mortgage company as part of your impound account, the insurance company still mails you a statement of renewal every year to update you with your current coverage limits and deductible.

Here's a few important steps you can take to be sure that HOME SWEET HOME is properly protected.

1. Check the basics. Check your name, address and any other description of the insured property. Make sure there's been no change of vesting or ownership that needs to be updated. Check your address to be sure no numbers are transposed.

2. Check the mortgagee clause. Here's where you can be sure that the current mortagee on your home is listed correctly. Check the lender, address and your loan number. Be sure there's no old information there. Maybe you had a HELOC (Home Equity Line of Credit) or a second mortgage that no longer applies. Be sure to get them removed.

HEADS UP: Whenever you have a significant claim, the mortgage company will be one of the payees on your claim settlement check. Just that alone can be an inconvenience. But it becomes a major hassle when one of the institutions listed no longer has a vested interest in your home. The insurance company is bound by contract to include the mortgage company on all settlement checks beyond a stated threshold.

*3. Check the coverage on your home (dwelling or building). This is without question the single most important coverage to examine, consider and adjust whenever necessary. Having been an agent during the two raging firestorms in San Diego, CA in this decade, I can tell you that underinsured homes are just NO FUN! Two of my clients lost their homes in the 2003 fires and fortunately they were both adequately insured. (we call all our homeowner clients once a year to review their coverages and suggest improvements and adjustments) But I can tell you that there were literally hundreds of people in the area that were not so fortunate. Many were underinsured by over $100,000! Contractors were giving rebuilding bids on homes for $400,000 with insurance policies with limits less than $300,000. See if that doesn't tweak your financial well-being just a little. Here's the solution.

Get an accurate rendering of the square footage of your home. Check county records, take a look at zillow.com, call your favorite Realtor, or get a tape measure and do your thing. Usually you don't include the garage in this calculation. Once you get your square footage, then you need to determine the building cost per square foot in your area for a home like yours. Call a local contractor for a quick estimate or you can call your insurance agent. Average costs in San Diego run about $200 per square foot. With that, a 2000 square foot would take about $400,000 to rebuild. Custom homes can be significantlly more. For a more complete discussion of this, check out: How Much Homeowners Insurance Do You REALLY Need?

Your contents coverage is usually 75% of the amount you have on your home. For example, if you have $400,000 on your home, you'll have an additional $300,000 to cover your personal property (furniture, clothing, dishes, TV, collections, shoes, tools, etc) Usually this is enough, but think through it anyway. If you have antiques, art, collections of any kind then you may need more. Ask your agent for help if you need to.

4. Look at your Personal Liability Coverage. This is the coverage you need when you get sued. Little Johnny runs across your front yard and trips on one of your sprinklers and ruins his chances to become America's Next Top Model and his parents sue you for $250,000. Make sure you don't scrimp here. It's not too expensive to get $500,000 or even $1 Million of liability coverage. If you have $100,000 or less, you could be setting yourself up for a mess just waiting to happen. Put a really big checkbook between your assets and someone who sees an injury as a lifetime paycheck. You might even consider a Liability Umbrella.

5. Check your 'special limits'. This is a REALLY BROAD subject that I just can't do justice to here in this post. Simply stated, there's limits on many things such as cash, computers, cameras, jewelry, furs, goldware, silverware, tools, etc. Call your company and ask for a review. You can increase many of these limits for just a few dollars a year. Sometimes the available increase isn't enough. That's the perfect time to consider a Personal Articles Floater (or it's called many different names) It's a policy that's designed to place stated amounts of coverage on many items from jewelry, business tools, iPods, hearing aids, cameras, musical instruments and on and on. If you have more than 'the average Joe' of ANYTHING, then check this out FOR SURE!

6. Check your deductible! This can be a tremendous cost-control tool in your insurance spending. Simply stated: The larger your deductible, the greater your savings. Usually you can save close to $100 per year just by going from a $500 deductible to $1000. Pick the largest number you can stand without losing sleep at night and ask your agent or company the savings you'd realize by changing. If you have a $250 or smaller deductible, it's definitely time to change it UP! Keep in mind that you usually hit a point of 'diminishing returns' once you get to $4000 or more. This means that you'll save less and less for each additional $1000 you choose. It might make sense to go from $1000 to $2000 if you save $85 a year by doing so, but not from $5000 to $6000 if you only save another $21 by making that jump.

Monitoring your insurance costs and coverages can result in a lot of savings AND peace of mind. Be sure you keep notes and file your thoughts and changes from year to year. These recoreds will make your annual call quicker and easier each year.

Feel free to contact me anytime if you have questions.

Till next time...

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.

How to Review Your Auto Insurance Renewal Statement

2009-03-29T16:15:13Z

You can save TONS OF MONEY by just taking a few minutes to look over that annoying little renewal statement that has your insurance bill attached to it.

We sure get a lot of paper these days. Seems that in this paper-LESS society, we shouldn't have quite as much paper as we do. True... we can scan it, archive it, or just throw it away. There is one piece of paper that you'll want to pay attention to -- Its your Auto Insurance Renewal Statement. You'll get these once or twice a year depending on how often your auto insurance renews. You'll probably also get one whenever you adjust your coverage or change vehicles.

One of the reasons the insurance company sends these statements out to you is to give you an opportunity to pause and determine if those coverages and limits and deductibles you started with so long ago still apply to you. Things change and so should your insurance policy. Sometimes people keep up with it; sometimes they don't. By not paying attention to these renewal statements, you could be spending needless premium on coverage you no longer need or want, or you could be setting yourself for an uninsured or underinsured loss by having limits that are too low or thinking you have coverage that you really DON'T have.

Here's a few steps to help you quickly and systematically look over that statement in just a few minutes.

1. Quickly review all the basic information: Name, address, vehicle description. OK there?

2. Next take a look at the rating information. You might need a little help from your company or agent on this one. Companies apply different rating factors for different driving characteristics Thes can include how many miles you drive, your age, your years of driving experience, ticket, accidents, etc. A quick call to your company or agent and they can walk you through these in just a couple minutes.

3. Check your LIABILITY LIMITS. This is usually the first coverage listed. This is probably the most important coverage to examine. This is the coverage that stands between some accident that you may cause and everything that you own.

Individual state laws mandate different minimums. California minimums are 15/30/5. Others are listed here. This means the insurance company will pay up to $15,000 for the injuries you cause to any one person, up to $30,000 for the injuries you cause in any one accident, and up to $5,000 for any property damage you may do (the car, house, light post, whatever you happen to hit). While these limits may seem like lots of money, they can evaporate very quickly. Consider a recent client of mine who sustained injuries in an accident and spent over $14,000 before ever even leaving the emergency room.

My recommendation is to think in terms of at least 100/300/50 instead of whatever your state minimum might be. Consider more if you own a home or have appreciable assets. Cut and slice and minimize on other coverages, but this one is where you protect everything you own against the possibility of a large liability lawsuit.

4. Check your Medical Payments. This is usually listed second. It's the coverage that provides (depending on your state insurance laws) coverage for injuries to you and other pople in your vehicle. There's some overlap here with your health insurance. This can be used to pay deductibles, copayment and other portions of your medical bills that may not be covered by your health insurance.

5. Check the coverage on your vehicle -- Specifically Comprehensive and Collision coverage. Collision coverage pays for your car when you sustain damage from a collision. Comprehensive covers (almost) everything else. Decide if the annual cost of these individual coverages makes sense compared to the value of your car. Check here for a more detailed discussion of this process.

6. Don't neglect Uninsured and/or Under Insuraced Motorist Coverage. There's LOTS of uninsured drivers on the road these days. Some surveys estimate as high as 25%. That means one out of every 4 drivers on the road can be uninsured. This is the coverage that for just a few dollars a year 'constructively' gives all those drivers insurance coverage to pay you if they cause an accident with you. You should consider having limits at least equal to your liability limits (#3 above.)

6. Make sure you're receiving ALL the discounts you can get. Here's where that phone call can pay some dividends. There are many discounts available. There are discounts related to your car: Airbags, alarm system, theft tracker systems and others. There are also other discounts. One of the biggest can be the Multi-Line Discount. This is where you save even more on your auto insurance if you have other policies such as homeowners or life insurance with the same company. Also remember to check for short mileage, good student, mature driver, defensive driving class, loyalty (with the same company for a long time). Just call the company and ask them to list all of the possible discounts to see for which ones you can qualify.

This process might take you a little longer the first time you do it. I suggest you make some notes right on your renewal notice and file it for next time. Then when you get your next renewal, you can get your first one out and compare and use the notes you make to ask more questions that will either save you money or better protect your hard-earned assets.

Till next time...

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

Keeping, Dropping or Changing Your Comprehensive or Collision Coverage

2009-03-29T15:52:39Z

Managing the cost of your insurance can be as simple as answering a few simple questions. Here's a short discussion that will walk you through the process of deciding to keep, drop or to change (different deductible) your comprehensive and/or collision coverages in your car insurance policy. First we need to do a very short 'inventory.'

TAKING YOUR FINANCIAL PICTURE -

Insurance is simply the management of risk. Owning and driving an automobile is a risk. You risk injury, loss of your vehicle, and potential liability for damage to others. The purchase of insurance is merely an agreement with the company to transfer some of your risk to them. You are saying, "I choose not to assume all of this risk myself. In exchange for my premium dollars, the insurance company will suffer some of the financial loss instead of me." With this thought in mind, you must decide how much risk to transfer and in doing so, decide how much risk you are willing to keep yourself in the from of deductibles and unpurchased coverages.

Before we can get to ways to save money on your premium, you need to take a short inventory of your financial picture. Before you get to deciding whether to take a $100 or a $500 deductible on your collision coverage you first need to decide that you can reasonably handle a $500 loss. So before we jump into any tricks of the trade, lets take a moment to diagnose your "loss threshold."
Lets say you go out and buy a $3 picture to hang in your bathroom. Are you going to insure it? Of course not! Now you go out and buy a famous $252,000 masterpiece painting. Are you going to insure it? Unless you are a multi-millionaire, you certainly will. Somewhere in between the $3 print and the $252,000 masterpiece is your loss threshold. Your loss threshold is the amount of money you can stand to lose without doing any great harm to your daily lifestyle or your peace-of-mind. In the above example, different people will have different thresholds. There is no right or wrong answer here!

In addition to settling on your personal loss threshold, it is important to consider your previous history of insurance losses. If you have had several losses in the last 10 years, you may be wise to lean more heavily on your insurance coverage. If, on the other hand, you go almost forever between losses, you will save premium dollars by assuming more of the risk yourself in the form of higher deductibles or dropped coverages. Now, if assuming this extra risk is going to give you some sleepless nights and make you a nervous wreck every time you get into your car, then don't do it! Part of what you buy in the purchase of insurance is peace of mind.

What matters most is where you are comfortable. Take a moment to apply a value to your "Loss Threshold." Try thinking in terms of $50, $100, $250, $500, and $1000. How much money can you, with peace of mind, place at risk? As you will see below, once you determine your Loss Threshold, you need only to weigh the cost of the coverage versus the potential for loss to you. Insurance can be a reasonably simple commodity to manage.

1. DROP YOUR COLLISION COVERAGE-

So you have been driving "Old Betsy" now ever since Noah was working on his boat. To you, its worth every bit of what you may have paid for it way back when but to another car buyer, its just an old bucket of bolts, rubber, faded upholstery. Unfortunately, the insurance company views your precious 4-wheeled family member with the same cold business approach as a prospective buyer. Its only worth...well, its worth a lot less than you would hope.
There comes a time in the life of almost every car when its value does not warrant the cost of collision coverage any longer. Collision coverage is that portion of your insurance that pays to fix damage to your car suffered by a collision. You will need this coverage for your car when you are in an accident that is your fault or if your car is the victim of a Hit & Run accident. Looking back to your Financial Picture we discussed above, compare the cost of your coverage with the potential for loss.
In discussions with your agent or by examining your renewal bill, identify the annual cost of your collision coverage. By looking in the newspaper or car-trading publications, determine the actual retail value of your car. Be careful to be objective here and remove whatever emotional attachment you may have to your car that might unrealistically increase its perceived value.

Let's say that the real value of your car is $1200 and the annual cost of just your collision coverage with a $100 deductible is $150. Now here are the Test Questions:

Can I afford to withstand this loss without any help from the insurance company? (in this case $1200)
Would I rather save $XX (in this case $150) every year and risk the loss of the car myself? By not getting this coverage I am saving $XX ($150) per year. I will save enough to make up the loss ($1200) in Y (8) years. (1200 ÷ 150 = 8)
Does my driving and claim history lead me to believe that I might go Y (8) years without suffering that sort of loss?

If the answers to these questions are yes, then you might be well on your way to cutting your insurance costs by dropping your collision coverage. These simple Test Questions can be applied to virtually any insurance-buying decision. Take a look at the next example.

2. DROP YOUR COMPREHENSIVE COVERAGE -

Comprehensive coverage like collision coverage is designed to protect your car from loss. Much of the same logic that we applied to collision coverage can be used to decide on the fate of your comprehensive coverage. There are, however some important considerations to weigh in your analysis.

Comprehensive coverage covers almost anything that happens to your car except collision. The most commonly submitted claims are broken windshields, stolen hub caps, stolen stereos, vandalism and theft of the entire vehicle. Note here that many of these losses produce the same amount of financial loss regardless of the value of the car. It costs virtually the same to replace a windshield in a 75 Ford as it does in an 85 Ford. Consider also that the cost of comprehensive coverage is much less than collision coverage. The ratio between money saved and dollars put at risk is smaller and therefore you may be less eager to drop this coverage. Ask yourself the Test Questions that we did for collision coverage and make an informed decision.

If your vehicle is financed or leased, always remember to check with your financial institution before changing these coverages. Your loan contract may have certain requirements and deductible limitations that somewhat restrict your options.

3. RAISE YOUR DEDUCTIBLES -

If deleting collision and comprehensive coverage puts you at greater risk than you are willing to assume at this time, you may want to consider increasing your deductibles as a compromise. As you increase your deductibles you decrease your premium. The insurance company is going to give you a break on your premium here for two reasons. First, when you have a loss, the insurance company will pay you less money when you have a higher deductible. Secondly, with a higher deductible, you will have fewer claims that are presented to the insurance company in excess of your deductible.

When you take a higher deductible you are saying that you, for the consideration of a lower premium are willing to assume a greater portion of the loss yourself. You trade the certainty of a lower premium for the uncertainty of more loss to you should a claim occur.
If you have decided in your Financial Picture that you are comfortable with a $500 loss (and the premium savings is enough) and you own a car worth $3000 then you probably do not want to drop your collision coverage completely. But you can increase your $100 collision deductible to $500 and your zero comprehensive deductible to $100. Let's examine the numbers. If you save $30 per year on your comprehensive coverage and $65 per year on your collision deductible you realize a $95 per year savings the first year and every year thereafter. You are only increasing your risk by $100 on the comprehensive coverage and by $400 on the collision coverage. Remember you already had a $100 deductible on collision and increasing it to $500 changes your participation in the loss by $400. Again, ask yourself the same questions.

Can I afford to withstand this loss (the bigger deductible) without any help from the insurance company?
Would I rather save this money ($95) and risk the larger deductible loss myself? By taking this bigger deductible I am saving $95 per year. I will save enough money to make up the loss in one year for a comprehensive loss and in just over four years for a collision loss.
Does my driving and claim history lead me to believe that I might go one or five years without this sort of loss?

If the answers are primarily yes then most likely an increase in deductibles is right for you.

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE

Current State Minimum Auto Insurance Liability Limits

2009-03-29T15:16:50Z

Alaska 50/100/25
Alabama 20/40/10
Arkansas 25/50/15
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/5
Florida 10/20/10
Georgia 15/30/10
Hawaii 20/40/10
Idaho 20/50/15
Illinois 20/40/15
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10
Kentucky 25/50/10
Louisiana 10/20/10
Maine 50/100/25
Maryland 20/40/10
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/10
Montana 25/50/10
Nebraska 25/50/25
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
Nevada 15/30/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 12.5/25/7.5
Oklahoma 10/20/10
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 15/30/10
South Dakota 25/50/25
Tennessee 25/50/10
Texas 20/40/15
Utah 25/65/15
Virginia 25/50/20
Vermont 25/50/10
Washington 25/50/10
Wisconsin 25/50/10
West Virginia 20/40/10
Wyoming 25/50/20

If You Rent.... You Need Renters Insurance.

2009-03-17T18:58:59Z

If you rent, you need Renters Insurance. Four out of ten renters don't think they can afford renters insurance. Two out of ten don't even know renters insurance is available. The simple truth is that if you rent, you need and can likely afford renters insurance.

Usually for $20-$25 per month you can protect your personal property in your home, in your car, and anywhere in the world. Eighteen percent of renters mistakenly believe that they don't have enough personal property to warrant renters insurance. The average renter would need over $20,000 to replace the contents of their apartment or house. Remember that's your entire wardrobe, computer, dishes, blender, microwave, camera, cell phone, iPod, sports gear, TV, CD's, books, furniture, and the list goes on.

You see, here’s the problem with all that STUFF. You bought it just a little at a time -- A CD here, a blender there, a couple of jackets somewhere else. Then, before you know it, you have a house full of stuff. And consider that you purchased many of those items on sale, or on CraigsList, or they were given to you by friends or family. When you have a devastating loss like a fire, you have to go out and just replace everything NOW! You don't have the luxury of just acquiring it over time.

Renters insurance protects your stuff ANYWHERE IN THE KNOWN UNIVERSE. Doesn’t matter if you’re in the good old US of A, Mexico, China or Australia… If your stuff is stolen from your car, IT’S COVERED!!! There might be damage to your car though. That’s covered under your auto insurance.

Only get policies with REPLACEMENT COST coverage. If you suffer loss to your stuff, and you replace it, replacement cost policies will pay you what it costs to get a brand new one rather than what your old one was worth. It looks like this: Someone steals your 8 year old TV set that’s worth $75 and a new one (just like it) is $350, a replacement cost policy will pay you based on the $350 rather than the $75!

Also included in your Renters insurance is liability coverage that protects you in case of a liability loss: Your dog bites someone or a friend slips and breaks their arm in your bathroom. You also get what’s called LOSS OF USE or ADDITIONAL LIVING EXPENSES coverage. Whenever your place is rendered UNINHABITABLE because of a covered loss, we’ll pay the cost to put you up someplace else while your place is being repaired. I’ve actually written checks to people sitting outside their burned residence to pay for a hotel. It even pays if you're required to evacuate but there's no subsequent damage.

There's dozens of other coverages included in Renters Insurance but not enough space here to mention all of them. Just one more... If someone steals your checks or credit cards and you suffer loss because they’re out there spending YOUR MONEY, you’ll have coverage for that up to $1000.

This is so simple and easy to do. Over the phone; less than 15 minutes, you're DONE! Why somebody wouldn’t have RENTERS INSURANCE is simply beyond me.

So, here’s a little review…

• Coverage for your stuff: TV, stereo, blender, dishes, clothes, etc.

• Coverage at REPLACEMENT COST (as I explained above)

• Liability Protection. (assets AND your future earnings)

• A place to live while we put your place back together

Yep, you guessed it… All for about the price of a DVD a month. No insurance product offers you more BANG FOR YOUR BUCK than RENTERS INSURANCE.

Dennis is a 31-year State Farm Insurance agent serving San Diego County. He can be reached for questions at 619-670-1000 or on the web at www.DennisVolzInsurance.com.

Till next time...

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

More Positive Economic Signs

2009-03-16T16:45:18Z

Nice to see positive trends going on FINALLY!

Via Bill Exeter (1031 Exchange Expert) (Exeter 1031 Exchange Services, LLC):

We have started to see very slight and modest signs that the economy's downward spiral has stopped, is bottoming out, and may begin to reverse itself. I don't want to say recovery yet, because I think we have quite a ways to go before that word is appropriate, but at least there is a light at the end of the tunnel.

There has been a steady (although slight) increase in our business operations across all platforms and the number of inquiries continues to show strength. The most pressing issue is still the lack of liquidity in the capital and credit markets in order to spur lending.

I thought I would share some more positive glimmers of hope for our economy from our economist friends at Goldman Sachs & Company.

"Retail sales for February were very strong. While the headline number fell 0.1%, due to a drop in auto sales, core retail sales (ex-autos) rose 0.7%. In addition, January sales were revised up by 0.5%. Even more positive is that increases were broad based across subcomponents. This raises some upside risk to our Q1 forecasts for flat consumption and GDP growth of -7%.

Initial jobless claims moved back up this week to 654k from 645k. Continuing claims continued their relentless march higher, moving from 5.1mm to 5.3mm.

The nominal trade balance narrowed in January to -$36.0bn from -$38.0bn. The primary driver was oil (both a drop in prices and volume); outside of petroleum the nominal balance was basically unchanged. On the other hand, the real trade balance widened to -$44.0bn from -$42.9bn. This report is consistent with our expectation that foreign trade will be a drag on GDP growth to the tune of 0.3%-0.4%.

The Reuters/University of Michigan Consumer sentiment index ticked up to 56.6 from 56.3 in March. Expectations for the future rose 2.5 pts, meaning that while confidence remains depressed, pessimism is not getting worse and may be receding. The current conditions component fell over 3 pts, reflective of the current severe contraction of the labor market."

Why Don't Realtors Have FAITH in Preapproval Letters? 8 Questions Every Preapproval Should Answer

2009-03-16T16:06:01Z

Great Food For Thought on Preapproval Letters.

Via Janet Guilbault, California Mortgage Expert (Banker/Broker with RPM Mortgage, FHA Certified):

Why do Realtors think preapproval letters are about as worthless as a wet cocktail napkin? Has it become so bad that Realtors believe a do-it-yourself prequalification is better than one from the mortgage office?

I believe the time has come for preapproval letters to gain some respect. We can accomplish this by offering a much more detailed picture of where the borrower is in the process of becoming approved.

In this post I will tell you the 8 questions that every preapproval letter should answer.

THE COMMENTS THAT SHOCKED ME

Jennifer "SOI" Allan asked Realtors this: Should listing agents restrict showings only to clients that are prequalified?

Some Realtors responded by telling us they have absolutely no faith in prequalifications, anyway:

1. "talk about money, prices, expectations early and often. This helps you help the client and the others involved far more than a prequalification letter"

(The "Teacher" approach. They don't need to be prequalified, they just need a lesson from their Realtor)

2. " its usually not too difficult to do some limited due diligence on them as a buyer's agent. Googling the client will usually bring up info on the client whether its a board they sit on, the position they have with a major company or a new piece on something they are involved in"

(The "Private Detective" approach. Google knows everything, including if the guy can get a mortgage)

3. Now, I qualify my buyers and you should consider that your new role, too! What does it mean to bring a qualified buyer to a showing? They can afford it. Use your calculator and estimate the affordability for them. Need a FICO score? Ask them to pull the report and show you before your start hauling.

(The "Do-It-Yourself" approach. This approval thing is easy enough. I don't need a prequalification letter from a mortgage broker.)

IF AN APPROVAL IS NOT A YES OR NO QUESTION, WHAT IS IT?

It is only natural that Realtors see this document simply as a straight yes or no question. Can my buyer get a loan? Yes or no? Its all I need before I turn the key and start hauling these buyers around.

But those of us in the mortgage business see it differently: Qualification is a process, not a yes or no question. Until every step of the process is complete, there are no guarantees.

The problem for all of us in the mortgage industry then becomes this: At what point in the process do you issue this preapproval letter? Everyone seems to have a different idea, and therein lies the problem.

If only every Realtor would think about preapproval letters like this: the "pre" in the preapproval letter stands for this word: PREDICTION. That's right, a preapproval letter is a prediction of whether the client will be approved.

Now a prediction, as we all know, is only as strong as the FACTS suporting it. Rather than asking IF the buyer is approved, a better idea is to ask HOW far along in the process of approval is the buyer?

Let the Realtor determine if "ENOUGH" of the process has occurred to start the engine.

EIGHT QUESTIONS THAT WILL IRON CLAD ANY PREAPPROVAL

Has the FICO score been determined by obtaining a credit report at the lender's office? (Those credit reports you pay for as a consumer are not the same as those from the mortgage company)

Has the client completed and signed a credit application? (there are things OTHER than just income and assets that come into play for an approval)

Has the buyer provided proof of income and proof of assets? Has he proved his funds to close are available to him?

Has verbal or written verification of employment been completed? (he could have lost his job the night before)

Has an automated approval(DU) been run on the buyers? (HUGE step forward on the predictability scale)

Has the lender approved the loan? Are there conditions on the approval and have they been cleared? (A lender approval means nothing unless the conditions are cleared)

How long ago was approval issued and does it have an expiration date? (Things change! An approval needs updating just like an appraisal does)

What is the loan amount and maximum interest rate for the approval?

In every preapproval letter I write I address each one of these issues, and invite the Realtor reading it to call me with questions. By adding this much detail, I believe the Realtor is in a true position of strength when making decisions.

If you recieve one of those out of date, generic preapproval letters, call up the mortgage person and ask the eight questions.

But please, don't try to do it yourself.

Written by Janet Guilbault, Mortgage Lending Specialist Based Out of the San Francisco Bay Area

How to find a current book at the library

2009-03-16T09:41:22Z

Just follow these easy steps and you will be smarter than your competition. You will outsmart them every time.

Go to Amazon.com and do a search on real estate books (or any subject you wish).
Copy the title of the book that you find interesting. (highlight the title, right click on you mouse and select copy)
Go to Google Book Search
Take that book title or author and place it in the Google book search bar (right click on your mouse and select paste) and hit search
Once your book appears in the list then click your book. Then go to the right side of the screen and click the link -Find this book in a library-
It will take you straight to a site that does a search for that book in every library across the United States.
Get in your car and go check that book out before your competition does. Learn something new then come write a blog and teach us something new.

SEARCH TIPS TO REMEMBER:

Sometimes the link in Google Books gets outdated so you might want to go straight to the source and enter your book title or author at WorldCat.org
Next time you are at the book store check if your local library has it before you buy. Search from your cellphone at www.worldcat.org/m/
If you have an iPhone or iPod touch then go to http://www.mobileworldcat.org It's a custom site for iPhone and iPod touch owners.
Make sure you don't have an overdue library book and owe over $2,000 like Al Bundy and get a new one tore into you from the EVIL librarian.

It's a Good Life !

Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

Serving San Diego, El Cajon, Spring Valley, Lakeside, Jamul, Santee, Oceanside, Carlsbad, Encinitas, Del Mar, Pacific Beach, Ocean Beach, La Jolla, North Park, Kennsington, East County, Fallbrook, Los Angeles and San Francisco.

You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

Sales Training - Google Books, the Virtual Library, and the Search for Self-Improvement

2009-03-16T09:26:48Z

Here's a few tips to get some great FREE material online.

Via Ryan Shaughnessy, Broker/Attorney - Your Lafayette Square Real Estate Partner (PREA Signature Realty - www.preasignaturerealty.com):

The power and ambition of Google never ceases to amaze me. I had heard about Google Books and its ambitious project to create an online library. However, I only recently started exploring its content. You can find a book for almost any topic in any genre. Here are just a few of the books that may be useful to improve your sales, marketing or life skills.

Looking to Lose Weight: Try Men's Health, Women's Health, Cycling, or over 600 different weight loss books ranging from The Zone to the Atkins' New Diet Revolution to the Sonoma Diet and many more.

Time Management Training: Try over 600 different time management books ranging from the 80/20 Principle to Getting It Done to Time Management Inside and Out to the Personal Efficiency Program to 10 Natural Law of Successful Time and Life Management to The On Time On Target Management Program to Complete Idiot Guide to Organizing Your Life and many more.

Need Help with Decorating or Home Improvement: Try over 1000 different home improvement and decorating books from Wind Energy Basics to the Backyard Idea Book to Clear Your Clutter with Feng Shui and many more.

Drafting Your Business Plan: Try over 700 different business planning books from How to Write a Business Plan to Strategy Safari to Business Plans for Dummies to the One Day Marketing Plan and many more.

Developing an Internet Marketing Plan: Try over 600 different internet marketing booksfrom 101 Ways to Promote Your Website to Web Copy that Sells to Search Engine Optimization for Dummies to Buzz Marketing with Blogs for Dummies to the Art of Digital Branding to Effective E-Mail Marketing.

Real Estate Training: Try such books as the Real Estate Sales Handbook, the Consultive Real Estate Agent, Listing and Sales Success, Modern Real Estate Practice, the Real Estate Sales Guide, the Millionaire Real Estate Investor, Sales Genius, Road to Wealth, and many more.

With a virtual library of books and magazines at your fingertips, it is hard for me to imagine any excuse for not setting your sights high in 2009, improving your skills, and changing your life today. For those of you who have set your goals and have started the process of self-improvement, I wish you an outrageously successful year.

Condo Unit Owner? Here's the Insurance You Need!

2009-02-18T07:16:09Z

Your condominium or Condo as we affectionately call it is a very important investment. Protecting it properly is critical to your financial security. If you’ve only been guessing until now, then guess no longer.

Insurance for your condo need not be a shot in the dark. There are simple ways to determine EXACTLY how much insurance you should have.

Even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”

I want to end that for you.

I'm an industry "insider": A licensed member of “The Club”
I’ve been inside the insurance business for over 30 years and I know it like the back of my hand: From policy to claims and back again.
I've sold insurance.
I've studied it.
I've discovered what makes "good insurance" -- and what makes "bad insurance".

I know that not all insurance is "created equal".

If you’re not properly insuring your condo you could be either wasting needless premium money on excess coverage or you could be setting yourself up for a severely UNDERINSURED loss that could cost you tens of THOUSANDS of dollars or even MORE!

I’ve been around the insurance business for a long time and I’ve seen it all.

I’ve seen people standing next to smoldering ashes that just hours before was their home and everything they own.
I’ve comforted those who have just received a 50-page lawsuit because their sprinkler flooded their neighbor’s yard or their dog bit a friend’s child.
I’ve reassured clients that they have coverage after their toilet flooded their house over an entire 3-day weekend.
I’ve seen clean-up bills for just water damage in excess of $100,000.

And I’ve been able to pay all these losses for these very frightened people because we made sure that their insurance was right for them – That it would be there to “write the check” should these shattering losses happen to them!

Condo insurance, when purchased properly, can give you the security of continuing life as you know it in the event of a catastrophic casualty or liability loss.

Condo insurance is POWERFUL and very comprehensive in the scope of coverage it offers.

Here’s a little overview….

It protects your condo (more on that later)
It protects your stuff at home
It protects your stuff on vacation
It protects your stuff in the USA
It protects stuff you may have in a storage facility
It protects your stuff all over the world !
Yes, that’s right… you lose your stuff ANYWHERE on the planet…you’re covered just as you are in your own backyard.
It protects your CHECKS & CREDIT CARDS if they’re stolen
It gives you Liability protection....that’s when you get sued
It gives you protection for stuff you’d never imagine.
Here’s just a few examples
- Money, Bank Notes, Coins (including collections) up to $200
- Property used or intended to be used in business
- - On premises up to $1,000
- - Off premises up to $250
- Watercraft and equipment up to $1,000
- Securities, Checks, Traveler’s Checks up to $1,000
- Trailers (not used with watercraft) up to $1,000· Stamps, trading cards, comic books (including collections) up to $2,500
Theft loss of:
- Jewelry and Furs up to $1,000
- Firearms up to $2,500
- Silverware and Goldware up to $2,500
- Rugs, tapestry, wall hangings
- - Per Item up to $5,000
- - Aggregate up to $10,000
Home Computers up to $5,000

WOW, you say!
That’s quite a list.
Yes it is…and there’s MORE…
Yes, there’s a LOT more…
But before we get to that … the WHAT and HOW TO BUY Condo Insurance,
let’s talk about the WHY!!
Why would anyone need or want Condo Insurance?

Most Homeowners Associations (HOA's) purchase insurance for the buildings in the condo complex. That cost is paid from a portion of your monthly HOA fees.

And here's the IMPORTANT PART:

Generally (and I say that because every HOA is different) but GENERALLY, the HOA covers only the outer portion of the buildings and the roof and common areas. YOU are responsible to insure the interior walls, cabinets and fixtures. And you are responsible to cover your personal property: your clothes, bed, furniture, TV, iPod, dishes.... All your "stuff".

Properly structured Condo Insurance provides protection for your interior structure, your personal property,
AND Protection in case of a liability lawsuit.

“WHAT?!?!” you say. “Lawsuit ! !”
Yep, lawsuit. Could it happen to you? The answer is…
Of course it could ! !

But we’ll talk about that in a minute. So….

Let’s talk about the nitty-gritty of Condo Insurance. There’s certainly not room here in this report to cover all of it, but I promise, that when you’re done you’ll know more about condo insurance than 95% of the planet. Having a good handle on your insurance decisions is the only way to best prevent problems and surprises at claim time.
There’s three main parts to your condo coverage: 1. Coverage for the interior structure 2. Coverage for your stuff 3. Liability coverage

Let’s take these on one at a time.

COVERAGE FOR YOUR Interior Structure

Remember that the interior structure includes all the interior walls, cabinets, built-ins, carpet, tile, bathroom sinks, toilets, showers, closets - EVERYTHING inside the outer perimeter of your unit.

This is probably the least understood of the three. And the biggest question is HOW MUCH? How much coverage to I REALLY NEED to properly and reasonably cover my interior?

It’s really a simple answer. This is probably worth the entire time you’d spend reading 10 of these POSTS.

You need just enough coverage to rebuild your condo.

Here’s what you DON’T NEED! You DON’T NEED to insure it for its market value (what you could sell it for). You also DON’T NEED to insure it up to the LOAN AMOUNT. Both of these numbers have NOTHING TO DO with the cost to rebuild your condo.

If you determine that you need $80,000 to rebuild your condo and your lender tells you that you have to insure it for $200,000 because that’s the amount of your loan. You tell them that you know different! If you can’t get this through their thick heads, call me. I’ll take care of it for you. There’s a law I can cite to them that will cool their jets in a hurry. (And I’ve done it many times in my 3 decades of helping my policyholders)

So how much do I need to rebuild my condo?

That’s the magic question, for sure! The answer is that you calculate it by using cost per square foot. You’ll need to know how many square feet of living space you have.

Ideally you’d like to get a licensed contractor to your house to estimate that for you. Get one who is currently building houses in your area. Believe me, he knows the cost.

Remember though, EVERY HOUSE IS DIFFERENT! The range in San Diego is usually $60-$75 per square foot. Where you fall in that range is dependent in the quality of your interior. Average is probably $65-$70. So, if you have 1200 square feet and your think $60 per foot is sufficient, you need $72,000 of BUILDING coverage on your policy.

I have several contractors insured and I keep up with them on the current cost of construction in my area. I hesitate to just give you a number here as it changes all the time and you need to tweak it a little based on the configuration of your house. For example, if your house is a track house, (one that was built among a bunch of others that are about the same) your cost of construction will probably be less than if you lived in a custom house. You have to ask questions like these:

Do I have carpet or marble tile?
Do I have a central vacuum system?
Do you have Upgraded Counter tops? Granite?
Are my kitchen cabinets standard or custom?
Do I have central air conditioning, ceiling fans, custom wood stair rails, etc?

With just a quick phone call to my office, we’ll be happy to help you determine your cost per square foot.

Another common point of confusion is that people think they need to insure their condo for it’s market value. NOT SO! Your house is (almost) always going to be worth more than it takes to build it. Remember there’s value in your land, neighborhood, schools, view, etc. All that is unaffected by the loss of your home. And remember this….

NO MATTER HOW MUCH COVERAGE YOU PUT ON YOUR CONDO, THE INSURANCE COMPANY WILL ONLY PAY YOU WHAT IT COSTS TO REBUILD IT.

So here’s how a typical house can look. Remember there’s 3 key numbers associated with your house: Market Value, Amount of your Mortgage, and Rebuilding Cost.

If your 2500 square foot condo has a market value of $650,000 and your local building costs are $70/square foot, your rebuilding cost would be $175,000 (2500 x 70). Your mortgage could be $120,000, $400,000 or $0. Regardless of the loan amount or the market value, you’d want to have approximately $150,000 of insurance on the interior building coverage for your condo. There’s some tricky thinking here that you need to consider.
The cost of construction isn’t static, it’s always changing. Lumber cost changes almost daily, as an area builds more and less through changes in economy, the cost of subcontractors will fluctuate. At the end of this report you’ll see a special feature that my office offers you to help you be sure that you don’t get caught short as construction costs rise and fall. Look for this picture. -->

Usually your condo has what’s called ALL RISK coverage on the structure. That means that, except for a few exclusions, anything that happens to your condo is covered. If there’s a loss to your condo, the adjuster looks at the list of exclusions and if what happened isn’t there… it’s probably going to be covered. Remember that all insurance companies are different and it’s the policy contract that decides, not what I say here!

Some common exclusions include flood (the natural kind, not water from a broken pipe which IS COVERED), earthquake, riot, freezing of pipes in an unoccupied, vacant, or under-construction building, vandalism and malicious mischief if the building has been vacant for more than 30 days, normal wear and tear, intentional damage, damage from animals, birds, or fish, and war. These are just a sampling of exclusions. See your policy for your actual exclusions.

Equally as important as the coverage for your home is your coverage for your stuff – Your Personal Property.

COVERAGE FOR YOUR STUFF

If your stuff is stolen from your car,
IT’S COVERED under your Condo Unitowners Insurance!!!
There might be damage to your car though. THAT’S covered under your auto insurance. I’m sure you have car insurance ! ! ! (see 10 Ways to Beat the High Cost of Auto Insurance (Part 1) & (Part 2) )

This is the coverage that insures your personal property: Your sofa, dishes, clothes, television, stereo, art work, silver, china, watches, jewelry, blender and your socks. Generally, the amount of coverage the insurance company gives you for this is a percentage of the amount you have on the house. Usually it’s 75%. If you carry $100,000 on your condo, then you’ll have an additional $150,000 for coverage on your personal property. Again, see your policy for your exact limits.

Most of the time, this is enough. Occasionally you’ll need more. You can’t reduce it, but there’s usually a provision to increase the coverage if you need to.

Here’s an important distinction on the actual coverages for your personal property as compared to the coverage for your house. You’ll remember that your house is covered for all losses EXCEPT for those specifically excluded. Your personal property is only covered for a specific list of losses. Here’s a typical list:

Fire or lightning
Weight of ice, snow or sleet
Explosion
Aircraft & vehicles
Smoke
Sudden and accidental tearing or bulging of heating or cooling systems
Windstorm or hail
Theft
Riot or civil commotion
Falling objects
Vandalism or malicious mischief
Sudden and accidental water discharge from plumbing or appliances
Freezing of plumbing systems

Once again it’s important to check your own policy language for the specific coverages for your personal property. If you’re not sure, just give us a call. 619-670-1000

Now before we talk a little about the most important portion of your condo policy -- Your Liability Coverage, let me mention one VERY COMMON MISCONCEPTION.

Condo insurance DOES NOT cover the mortgage if one of the owners should die. You’ll need MORTGAGE INSURANCE to cover that.

Mortgage Insurance is simply life insurance that’s designed to pay off the mortgage at the death of one of the owners.

Life insurance can be somewhat overwhelming to purchase. You’re so afraid of making a mistake.

It’s easy to incorporate your mortgage insurance TOGETHERwith your regular Life Insurance and SAVE TONS OF MONEY in the process.Learn how with

7 Things You Need To Know BEFORE You Buy Life Insurance

If you own a home and anyone depends on your income to keep the home then mortgage insurance is a must for you! You have far too much invested in your home to allow those you love and provide for to risk having to lose the house if one of the bread winners dies.

It’s simple and easy and probably NOT AS EXPENSIVE AS YOU MIGHT THINK.

You can usually get mortgage insurance for your home for about the price of a DVD a month!

Think about it. Safety, security and peace of mind for about the cost of a DVD a month!

Liability Coverage

Remember we were talking about that LAWSUIT!?!?! Yes, it could happen to you! There’s ALSO coverage in your CONDO INSURANCE for THAT !

Liability is the portion of your condo insurance that protects your home, your assets, your retirement savings and your future income!

Someone slips and falls in your place,
Breaks their leg, or cuts their hand.
(Bummer if it’s a Plastic Surgeon)
Your policy will pay whatever you’re legally liable to pay. (up to the limit of the policy, of course) That’s why at least a $1,000,000 limit is important there (especially if you live in California). Many offices will let you walk away with the standard $100,000. For just an extra $7/month, you get TEN TIMES the coverage -- Almost a crime not to take that.

If you own your condo you should probably consider a Liability Umbrella. It gives you $1,000,000 coverage on your house and all your personal vehicles. You have just too much equity in your house and too much of your net worth tied up there to risk it by saving a few dollars a month.

Let me tell you a story….

Just this year a policyholder called me and told me that they were being sued because their son’s girlfriend accidentally let their dog out of the back yard. The dog made a beeline across the street and kicked the stuffing out of the neighbor’s dog. The homeowner was being sued by the neighbor for veterinarian bills that exceeded $3000 and for mental anguish, stress, and… well, you know the drill. Fortunately the homeowner had not only their homeowners insurance but also a Liability Umbrella standing between this crazy neighbor and everything they owned. Without that, this could have been their problem…

They could have been paying off this “little problem” for years. They could have risked everything they own in addition to their FUTURE EARNINGS by not having the foresight to get (in this case) HOMEOWNERS INSURANCE and a LIABILITY UMBRELLA policy.

You can insure your home, your personal property and your liability exposure in one simple policy.

BUT WAIT ! ! ! ! THERE’S EVEN MORE ! ! !
Condo insurance also includes Medical Payment coverage. That pays for MEDICAL EXPENSES up to the limits of the policy for people who are on your premises with your permission and accidentally injured. And ALSO for people injured by your activities. Coverage doesn’t pay for medical expenses for you or members of your family that live with you.

BUT WAIT ! ! ! ! THERE’S MORE!!!!!!
You also get what’s called LOSS OF USE or ADDITIONAL LIVING EXPENSES coverage. Whenever your place is rendered UNINHABITABLE because of a covered loss, we’ll pay the cost to put you up someplace else while your place is being repaired. I’ve actually written checks to people sitting outside their burned residence to pay for a hotel. VERY COOL!!!!
This pays up to 24 MONTHS! ! Hopefully you won’t be out that long,
but it’s THERE IF YOU NEED IT ! ! ! !

BUT WAIT ! ! ! ! THERE’S SOME MORE!!!!!!
You know how things just get more expensive every year. We’ll automatically increase the amount of your coverage every month FOR FREE until your next renewal to keep pace with inflation. When you renew you policy each year, it will be for the newer IMPROVED amount of coverage.

BUT WAIT ! ! ! ! THERE’S STILL MORE!!!!!! (starting to sound like one of those Ginsu Knife Commercials..?)
I mentioned this up above but you might have missed it. If someone steals your checks or credit cards and you suffer loss cuz they’re out there spending YOUR MONEY, you’ll have coverage for that up to $1000.
“WOW”, you say!
And all that’s included in the Condo Insurance we provide in our office.

Hey, Let’s talk about Deductibles for a second….
The deductible is the portion of a covered loss that is your responsibility. They are typically available in amounts such as $250, $500, $750, or $1000.For example, if you had a $500 deductible, you would need to pay the first $500 of the covered loss and we’d pay the rest.Generally speaking, higher deductibles lower your premium, but increase the amount you must pay out of your own pocket if a covered loss occurs. Ask yourself how much you are willing to pay in order to save on premium. ... you know what, just ask us when you're in the office and we'll show you how simple it is to calculate.

SO what’s the best way to buy CONDO INSURANCE ?

RULE #1 – Don’t over-insure and don’t under-insure. Get the right amount of coverage. Yes, you’ll have to estimate how much stuff you have.

We have convenient calculators in our office to estimate this for you.

RULE #2 – Take the biggest deductible you can afford. (within reason). Increasing your deductible from just $500 to $1000 will usually save you about $75 per year. Let us help you do the math to see how long it takes you to absorb the difference in the two deductibles.

We can help you walk thru those numbers and find the best blend of deductible and price... Takes about 3 minutes.

RULE #3 – Get at least $500,000 of liability coverage (especially if you live in CALIFORNIA!) People just love to sue in good old CaliforNyeYay.

You need someone who explains and helps you with this. It’s just what we do...

RULE #4 – Only get policies with REPLACEMENT COST coverage for your contents. (all of the policies we offer in our agency have this provision.) This is a cool one. Provision sez that if you suffer loss to your stuff, and you replace it, we’ll pay you what it costs to get a brand new one rather than what your old one was worth.

We automatically add this to all your policies unless (for some reason) you tell us not to.Looks like this. Someone steals your 8 year old TV set that’s worth $75 and a new one is $350, we’ll pay you based on the $350 rather than the $75! VERY COOL!

RULE #5 – Take the PERSONAL LIABILITY option in the LIABILITY SECTION of your policy. That gives you coverage for things like slander and libel. Californian’s, for some crazy reason, get all bent out of shape if you talk to them or about them the wrong way.

We automatically add this one too. Unless you don’t want it...

RULE #6 – Don’t forget to check out things like Special insurance for your baseball card or Precious Moments collections. There’s limits on those kinds of things. You might also need to look into waterbed liability, or business liability (if you run any kind of business out of your home.) And don’t forget EARTHQUAKE coverage.

We’ll walk you thru a checklist of all those things just to make sure we don’t forget anything. You may not need any of them, but we just want to be sure.

RULE #7 – Only get a condo policy with GUARANTEED EXTRA REPLACEMENT COST (GERC) coverage for your structure. This is SO IMPORTANT. We offer policies that will pay you up to an EXTRA 20% above the actual amount of coverage. For example, let’s say you’ve lost your 2500 square foot home to a fire and it was insured for $200 a foot -- $250,000. But there’s a recent spike in the cost of materials and the real cost comes to $285,000. OUCH! Looks like you’re going to have to dig into your pocket for $35,000! Not so with the policies we write in our office. Our company offers you, AT NO EXTRA CHARGE the GUARANTEED EXTRA REPLACEMENT COVERAGE at an additional 20%. Your $250,000 will actually pay you up to $300,000 to rebuild your home.

With GERC, your policy for $250,000 will actually pay you up to $300,000 to rebuild your condo. And OH BY THE WAY... This is included automatically at no additional premium on ALL of our condo policies!

And don’t forget EARTHQUAKE coverage. I know there’s a lot to think about. So let us help you remember all of it. One step at a time.

This can be so simple and easy to do.

We do all the work for you and in less than 30 minutes, you’ll have protected your condo, your personal property, your current assets and your future earnings.

Why somebody wouldn’t buy CONDO INSURANCE this way is simply beyond me.
BUT LET ME MAKE A LITTLE EASIER FOR YOU…

In our agency we offer you 5 different ways to pay for this. You have your choice of Annual, Quarterly, Semi-annual, monthly and SPECIAL MONTHLY…
“So what’s so special about SPECIAL MONTHLY,” you might ask.
It’s special cuz it’s just so insanely easy.

We set it up for you and your monthly payment comes right out of your checking account: Same day; Every month.

(of course of your insurance is already part of your house payment, we’ll set things up so that continues just as it’s always been for you)

So, here’s what you get…

Coverage for your condo: The right amount so you sleep well.
GUARANTEED EXTRA REPLACEMENT COST for your condo. AN ADDITIONAL 20%
Coverage for your stuff: TV, stereo, blender, dishes, clothes, etc.
This coverage at REPLACEMENT COST (as I explained above)
Liability Protection. (assets AND your future earnings)
A place to live while we put your place back together
We’ll walk you thru the whole process (probably will take less than 30 minutes)
Confidence that you’re buying the insurance you need: NOTHING MORE, NOTHING LESS

It Just doesn’t get any better -
OR EASIER - than that…

You’ve got everything to gain and NOTHING to lose.
I look forward to talking with you soon!

It's a Good Life !

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You can also check out our HOMEOWNERS INSURANCE INFORMATION PAGE.

09/09/09 - Numbering the days of our lives...

2009-01-13T00:45:11Z

Calendars can be a funny thing. They can also turn the world on it's ear.

Just a little while back we endured the year of the ultimate, world-wide hype since…well I can't remember one like that. Y2K. The end of civilization as we know it. People sold their homes, moved to the mountains, set up communes. We all bought just a little extra, just in case.

I got up early. I missed the very first location to see the magic 2000 roll into view. Such a little island, I thought it didn't have any real significance to the question at hand. Then came Sydney, Australia. They knew they'd be the first major city to roll into the new numbers and were they ready. Spectacular. Dazzling. Magnificent. And all without a single Y2K hitch.

It was a lot of fun watching the rest of the world roll across my TV screen that December day in 1999. As soon as I saw Italy survive the celebration with all the lights on, I knew the United States wouldn’t have any problems. Why Italy, you ask? I have no idea. I just thought if any European country would bite the Y2K dust it would be Italy. But they survived, I relaxed.

Then people started having all kinds of fun with the dates. The first one was 9/9/99. That was supposed to be a dress rehearsal for the 1/1/00. Seems that computer programmers used a series of 9's to shut down the computer and the fear was that the date alone would crash computers all over the world. Didn't happen.

But what about the others. When you used all the numbers of the year, such as 11/19/1999, you had the last all odd numbered date until 1/1/3111. Now there's a thought. Not to be ignored, what about the even side? Well, the last all even date was 8/28/888. The next one will be 2/2/2222. I might not be around for that one. I might not be around. Now there's a thought!

If I'm not going to be around for any of these dates, what difference does it make.

All the difference in the world.

The realization of my eventual demise should startle me. It should offend me. It should rattle my cage and motivate me! How will I spend the time between now and then? How can all these funny dates remind me to do better.
Rolling into the year 2000 was a big deal. Was it really different from any other New Year? Apart from it's numerical significance, certainly not. Advertisers and merchandisers certainly used it to their advantage. There was even a clothing line, I think, 01-01-00.

Then there's cute dates like: 06/01/06. 01/02/03. 10/09/08. 1/2/12

We can use these to our advantage as well. Dates are benchmarks. Little notches along the timeline of our lives that remind us that it's passing.

Here's one to try. Look at the dates coming up through the year 2012 where all three components will be the same. Like this: 01/01/01, this year will be 09/09/09, and on through to 12/12/12. They happen almost thirteen months apart each time.

Take advantage of them! The next series won't be start until 01/01/3001. Longer than I'd like to wait.

Each time one of these dates roll around ask yourself: How am I doing? How am I growing? How is my faith? My fitness? My example? How is my relationship my spouse? Friends? Children? How are my goals? What are my plans? What am I learning? What am I teaching others? How can I do better?

Dates. Just numbers on a calendar. Numbering our days.

It's a Good Life !

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Customer Service Opportunities Come in All Shapes and Sizes

2008-09-11T18:23:48Z

Doesn't seem to matter if it's Real Estate or Insurance -- Customer service is an interesting phenomenon. We never know exactly what form it might take when it's opportunity comes our way. We struggle to gain new clients, leads and Spheres of Influence, but to we have the same passion when it comes to serving our existing clients? Somtimes I'll see these opportunities as chores or 'necessary evils' of my business. Sometimes I see them for just what they are: A golden opportunity to bless the life of another person because of what I know, who I know, and what I can do with that knowledge and experience. Here's just one such occasion where I think I "got it right...."

A policyholder of mine called me. She's been insured with me for over 20 years and has been a great State Farm customer. I've been very helpful to her over the years surviving a family break-up and some financial setbacks she suffered. All that to say, we have a great working relationship.

Apparently her 20-somthing son returned to his car to find the gas flap open and the cap off. Looked as if someone had been getting some 'discounted gas.' Car was down to 1/8 of a tank. The car started up ok and he drove to school. After school, the car wouldn't start. First thought was that 1/8 of a tank isn't going to take you very far.

Took the car to their mechanic who said something was put into the tank and everything from the tank, to the filler valve, to the filter, to the fuel pump, and on into the fuel injection system was clogged w/ 'gunk'. He didn't know the source of the gunk, but it was gunk nonetheless.

The State Farm estimator looked at the car. The estimator is the eyes and ears of the adjuster (who sits in the office and makes the decisions). The estimator believed it all to be deferred maintenance and wear and tear. There was a report, photos and many of years of experience behind the estimator to support his findings. It all made sense to me, but it didn't support the surrounding facts. You know.... Tank open, car not running, problems with everything in the fuel system and the rest of the car has been kept in great shape. Sounds fishy, right. OF COURSE RIGHT!

First I called the shop doing the work. Dewey told me that there was some kind of gunk in the tank and he was sure there was something going on besides wear and tear. I made notes and then called the adjuster.

Lucinda, the adjuster (the one making the decision) was pleasant and very business-like. I pleaded the case on behalf of my long-term customer. She was resolute that the estimator had made the right call of WEAR AND TEAR. She cited verbatim from his report and indicated where there were photos to back the conclusions. She also said that the mechanic, Dewey, had indicated that there was NO SIGN OF FOUL PLAY! Now that was exactly contrary to what he had told me. I simply listened to the information, made notes and thanked her for her time and thourough explanation.

Then I paid a little visit to Dewey.

Dewey was busy with an emissions test running the car on those big rollers so he can to 60mph while staying in one place. I LOVE THOSE THINGS! Anyway.... He sent me to Si (pronounced See), the owner in the office. Long story short... Si said he didn't really know what happened to the car but there was NO WAY it was deferred maintenance or wear and tear. That was all I needed to hear.

I called Lucinda's (the adjuster) supervisor, Randy. Explained the situation: Long-time policyholder, adamant about the vandalisim claim, only damage to the car was ALL ALONG THE FUEL SYSTEM... tank, filler valve, filter, etc.... with no damage anywhere else. Pointed out to him that if this went to small claims court, we'd LOSE! BIG TIME! He agreed and thought it reasonable to pay the claim.

I was honestly a little shocked at his 'reasonableness'. I'll have to make a note of this guy for NEXT TIME!

Needless to say, the customer was thrilled at the "sudden" turn of events. I gently reminded her that she wouldn't get this kind of service with GEICO or AAA or 21st Century. She heartily agreed.

All this to say...

Customer service is key in our type of business. All we sell is what we do and what we know. I knew how to maximize my chances of turning this claim in our favor. I knew how to massage the system to get the best results. I'll tell you, it's not with high decibles and harsh words. It's about knowing the language of your business and how to best use your knowledge and experience to extract the desired results from less than desirable situations.

Till next time...

It's a Good Life !

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Enrich Your Life with Wider Margins

2008-07-13T14:05:23Z

Remember when you were in grade school learning to write? I know you do. You used those pencils that were about as big around as a broom handle. And you used that paper with the HUGE lines on the page. I remember the margins were about a fourth of the page. The letters we wrote were big ones. Sometimes I could only get one sentence per page. Of course I had to have room to draw my BIG PLANE or the HOUSE ON THE FARM. Those were the good old days.

I remember in High School the lines and the margins were smaller. There was so much more to do: I had to cram a lot of information on each page. College was even worse: Huge term papers with smaller margins and it all had to be typed just so. Double spaced. No spelling errors and NO ROOM FOR PRETTY PICTURES.

SOMETIMES MY LIFE SEEMS LIKE THAT -- Cramming all I can into a single day, no room for mistakes, and certainly no room for pretty pictures.

Whenever I feel myself running so hard that I don't have time for the people around me I ADJUST THE MARGINS on my day.

All of this comes from a book I read a few years back. Margin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives by Richard Swenson.

He takes a whole book to sell you on a simple concept. It's very well written and fun to read. The concept is a simple one...

Build more MARGIN into your day.

WHY: To allow for time to breathe, to stop for a slurpee, so listen to your client, to take a friend a milkshake because you just heard they were sick, to decide to stop for a minute at the amazing view you blaze past everyday, to catch a 10 minute nap in the shade of an oak tree, to take a minute to call the love of your life and tell them how important they are to you, to have an extra 20 minutes for lunch so you can get a healthy meal instead of fast food, to do whatever the hell you want to do.

HOW: Don't cram too much into your schedule. Put 30 minutes instead of 10 between appointments. Schedule a 90 minute lunch instead of 12 minutes. Plan to knock off everyday at 3 or 4. (I know you'll probably work longer, but if you plan to stop then, you'll end up stopping a little earlier than usual)

Sometimes we get to crammed full and life is so hectic that we're not enjoying ANY OF IT. If that sounds like you, let me encourage you to read:

Margin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives

It's a Good Life !

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How to Buy Life Insurance-Chula Vista-Smarter, Cheaper, Most Effectively-Read This First - 91910, 91911, 91913, 91914, 91915

2008-07-07T08:45:14Z

WHAT KIND OF INSURANCE IS BEST FOR ME?

If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”

I want to end that for you.

I'm an industry "insider": A licensed member of “The Club”
I’ve been inside the insurance business for over 30 years and I know it like the back of my hand: From policy to claims and back again.
I've sold insurance. I've studied it. I've discovered what makes "good insurance" -- and what makes "bad insurance".

I know that not all insurance is "created equal". Life insurance is certainly no exception. Placing all your coverage in TERM LIFE INSURANCE can be one of the costliest mistakes you could make.

To help us get started, please answer this question for yourself:

WHEN DO I WANT MY LIFE INSURANCE TO BE IN FORCE?
(IN FORCE means that it’s paid, current and ready to pay a death benefit if you should die. )

Well, the obvious answer is: WHEN I DIE!! Of course…

OK, when do you plan to die????

The next obvious answer (at least MY answer is) When I’m old.
VERY OLD.
THE OLDER, THE BETTER!
Let’s face it. You purchase life insurance really hoping that you’re NOT going to use it any time soon. And you know what? Odds are that you probably won’t. Most likely you’re going to die when you’re older – Much older. But just in case you don’t, you purchase life insurance to protect the financial future of those you love.

So let’s look at the facts of term life insurance. Nothing emotional or prejudged – Kind of like an FBI agent just examining the evidence to see where it leads.

Here’s what Term Life Insurance life rates look like. This is just a typical example for a $100,000 5 year Term Policy, Male, non-tobacco rates. You can get different rates from a hundred different companies. What will be the SAME from ALL THE COMPANIES is the UPWARD TREND of the rates.
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FACT #1 – Term life insurance is not very expensive when you are young. Notice how the rate doesn’t even change for the first 3 years.

FACT #2 – Term life insurance premiums increase as you get older. Take a look at the chart. Except for the first few years, the rate increases EVERY YEAR.

FACT #3 – Term life insurance gets VERY EXPENSIVE when you’re older. Notice how it increases VERY SLOWLY until about age 50 when it really starts to take off.

FACT #4 – The premiums you pay for term life insurance never come back to you. You see term insurance is kind of like renting an apartment. Certainly cheaper every month than buying a house, but when you leave you leave all your hard earned money with your landlord.

FACT #5 – At some point in time, you’ll look at your monthly premium for your term life insurance and say, “I just can’t afford this any longer.” It usually happens just about the time you retire and your income is going down a little and the cost of your life insurance is rocketing through the roof! Check the premium at AGE 71… WOW!

Could be a problem, don’t you think?

At age 71 you may not need the insurance any longer. But let’s just say that you do. Maybe the house isn’t quite paid for, there’s some money you’d like to leave to family, grandkids, spouse, your church… could be a hundred different reasons. The problem is that if you want to keep your insurance, you probably can’t because it’s just become too expensive for you.

Wouldn’t you like to have the option to keep it or not?

Let me show you how you can have that choice then by making a simple decision today.
Get a small permanent life insurance policy today that will give you options when you are older.

Here’s what permanent insurance can do for you.
1.    Provides you with insurance you can keep for the rest of your life.
2.    NEVER increases in premium.
3.    Usually allows you to stop paying the premiums just about the time you retire and REMAIN INSURED FOR THE REST OF YOUR LIFE.
4.    Sometimes you can even have the policy PAY YOU a monthly income.
(I’ll include a few more for you at the end of this section…. Look or this little guy again.     ---------------------->

Remember -- Odds are you’re going to live and your term insurance isn’t going to pay a death benefit for you. But it fills a need when you’re young. Generally in your younger years 30-55, your financial responsibilities are high. You have kids, house payments, extra cars, college to pay for, on and on and on…

Usually, when you hit 55-60 or so, those obligations are MUCH LESS! You don’t need the amount of life insurance you needed when you were younger. The kids are out of the house, you have fewer cars to “support”, college is done, the house is paid for (or nearly so…).

BUT…. There will still be expenses to handle when you die – Funeral, maybe some small debts to pay off, or possibly you need to provide an income for your spouse at the loss of you retirement income.

The cheapest way to pay those expenses is ALWAYS WITH SOME LIFE INSURANCE. Much cheaper than drawing money out of the savings account.
But here’s the problem with that…

If you need $500,000 of insurance coverage today because your obligations are still in the fast lane, you probably can’t really afford to buy all of your life insurance as PERMANENT insurance.

$500,000 or permanent insurance would cost you at least $300-$400 per month.
And here’s the answer….

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Get the term insurance you need to cover your obligations today. Get a small amount of permanent insurance to keep for the rest of your life – maybe $50,000 or $100,000. Drop the term insurance when it gets too expensive and keep the permanent insurance.

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Life insurance is the ONLY kind of insurance you buy where you’re GUARANTEED to make a claim. Your term insurance may or may not be in force when you die. Your permanent insurance will be.

And here’s the real rub! Even if you decide to pay the additional premiums, TERM insurance is usually only renewable to a certain age. You may live longer than the policy can be renewed

Here’s some more benefits of permanent insurance if you choose UNIVERSAL LIFE as your policy:

5.    Your earnings are TAX DEFERRED which means Uncle Sam actually is helping you pay your insurance premiums.
6.    Your policy PREMIUMS are flexible which means that if you hit a period of financial hardship you can actually STOP PAYING for a short period of time and continue to be insured.
7.    You can adjust the amount of your coverage up and down depending on your changing needs. (you’ll need to be insurable of course to increase the coverage unless you’ve planned ahead by adding GIO to your policy. Good to get, but too much to explain here. Ask me when I see you.)

So here’s all you need to do…

Get the numbers on your own permanent insurance plan. For just the price of a Starbucks a day OR LESS, you can have the peace of mind that comes with owning a permanent insurance plan that can make your life so much easier when you are older.

NO obligation, no pressure, just take a look then decide.

Just give me a call 619-670-1000 or drop me an email to dennis@DennisVolzInsurance.com.

I just need to know three things:
1. Your age
2. If you want $50,000, $75,000, or $100,000 or permanent insurance (you can choose any amount above $50,000 of course, but most choose one of those three.)
3. Do you use tobacco in any form?

I’ll print out an illustration of your policy and meet with you for about 15 minutes and then let you decide.

It just doesn’t get any better -
OR EASIER - than that…

You’ve got everything to gain and NOTHING to lose.
I look forward to talking with you soon!

Sincerely,

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our LIFE INSURANCE INFORMATION PAGE

This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.

How to Buy Life Insurance-Lakeside-Smarter, Cheaper, Most Effectively - Read This First - 92040

2008-07-07T08:42:23Z

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So here’s all you need to do…

Sincerely,

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

You can also check out our LIFE INSURANCE INFORMATION PAGE

Serving San Diego, El Cajon, Spring Valley, Lakeside, Jamul, Santee, Oceanside, Carlsbad, Encinitas, Del Mar, Pacific Beach, Ocean Beach, La Jolla, North Park, Kennsington, East County, Fallbrook, Los Angeles and San Francisco.

This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.

Insurance Claims Secrets - The INSIDE STORY

2008-07-05T11:40:53Z

Insurance claims can be a first class PITA! As Real Estate professionals, your clients will have to occasionally run the insurance-claim gauntlet. Your expertise and sage advice can help them more calmly and more profitably navigate these complicated waters.

Becoming knowledgeable in areas such as this can be a substantial benefit to your networking abilities. It will enhance your value to your clients to be conversant in many areas of daily living. Not that you need to be an expert in everything, but to be conversant to a point and then knowing qualified people to "pass the ball to" can make you an invaluable asset to your client base. With that in mind, this little piece of INSIDE INFORMATION is offered.

EVERY CLAIM HAS:

An Adjuster (human type)
A File (either electronic or paper or both)
A Supervisor (also the human type)

The claim process looks like this (considering the three above items)

1. The Adjuster mediates and calculates the value of the claim. (Why? Because that's what he's paid to do)

2. The Adjuster documents The File. (Why? Because The Supervisor is going to check that file)

3. The Supervisor reviews the file. (Why? Because once a year, the state insurance commission will audit the insurance company and randomly review claim files to be sure that the money paid out was justified, documented and in accordance with state insurance law. When there's an issue, the insurance company is fined -- HEAVILY! )

Here is the extremely valuable information ! When you're negotiating with the insurance company to settle your claim, remember while making you happy is important to them, passing the eventual audit is more important. A badly documented or poorly calculated claim can cost the insurance company -- MANY MORE DOLLARS than giving you a couple hundred extra for your bent fender.

Generally, the adjuster does not personally care how much they pay to settle the claim. Let me say that again.

Generally, the adjuster does not personally care how much they pay to settle the claim.

I say generally because you will occasionally run into that young buck, fresh out of 'ADJUSTER SCHOOL" who wants to save the world and treats the insurance company money like his own. THAT'S a discussion for another day. Mostly they're paid employees with families, bills, problems, vacation plans, and a host of other issues just like you and I face everyday.

The claim adjuster doesn't really care what he pays to settle the claim.
The claim adjuster wants to get the file closed as much as you do.

As long as he can document the amount paid, he'll write the check now and be done with it.

THEREFORE......

Whatever assistance you can offer to document a better value for your claim, the faster you'll get paid.

When you think your car is worth more than they're offering, get some documentation that supports that additional value.
When your repair job exceeds the insurance company estimate, get a letter or itemized estimate explaining the difference.
When the replacement cost of your kitchen exceeds what the insurance company is willing to pay, get pictures of your old kitchen and an itemized bid from the contractor that clearly indicates that you're putting yourself back as you were -- No better, no worse.
When the 'facts of the accident' are not clear, get witness statements or police report clarification.

The more you're willing to work WITH the claim adjuster to properly document their file to justify higher payments, the more you'll get paid for your claim.

Contact me if I can help you in any way. After all...

It's what I do...

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

Positive IS as Positive DOES-or-How to Keep YOUR Alligator in Perspective

2008-06-27T08:12:18Z

Kasey Edwards has a lot to be thankful for... And he is ! The 18 year old Florida resident was attacked by an alligator this week and lost his left arm. His amazing interviews are all over the internet but if you look too fast, you could miss THE LESSON.

Here's a young man who has the great majority of his life yet to live and will be without the use of his 'original' left arm. He will have to get along with a prosthetic device of some kind, will never be able to wrap his 'arms' around the woman he loves or his children.

He has chosen to take a positive attitude. (let me write that again with a little emphasis)

He has chosen to take a positive attitude.

You know what? IT'S ALWAYS A CHOICE. Yes... ALWAYS!

My thanks to this remarkable young man who has reminded me that life has no guarantees. Reminded me that life WILL throw you curve balls, sliders and occasionally you'll just get WHACKED by a wild pitch. Reminded me that regerdless of the nature of the wild pitch (or series of WILD pitches) that it's up to me, and ME ALONE to decide how to respond.

I can whine, moan and complain (which I can be VERY GOOD at doing). Or I can simply take a moment to count my blessings, remember all that I DO HAVE, and then just GET AFTER IT using all the tools I have left.

I mean really... What do I REALLY have to complain about???

and

http://www.cnn.com/video/?/video/us/2008/06/24/weber.fl.gator.attack.wpec

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

HELP... Wordpress on a Mac?

2008-06-13T08:22:43Z

I've been hearing a lot about Wordpress lately. I've looked online to add it to my system and possibly move one of my BLOGGER blogs to Wordpress.

It seems to be quite a complicated process to use Wordpress together with a Mac.

Is it THAT difficult? Is there a 'Mac Version' of WP? Is there a HOW TO post on AR?

THANKS FOR THE HELP....

It's a Good Life !

Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121

eMail:Dennis@DennisVolz.com
Websites: Company Site: DennisVolzInsurance.com
Client Convenience Site: 6701000.com

My 'Other Blogs'
Working by Referral
The San Diego Insurance Blog
Musings from California

What is your FROG?

2008-06-04T08:49:43Z

Brian Tracy wrote a great piece called 'Eat That Frog: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time' available FREE on GOOGLE BOOKS .

Here's how he puts it:

There’s an old saying that if the first thing you do each morning is to eat a live frog, you’ll have the satisfaction of knowing that it’s probably the worst thing you’ll do all day. Using “eat that frog” as a metaphor for tackling the most challenging task of your day- the one you are most likely to procrastinate on, but also probably the one that can have the greatest positive impact on your life. Eat That Frog shows you how to zero in on these critical tasks and organize your day. You’ll not only get more done faster, but get the right things done.

My "FROG" is making my calls to my List of Relationships. Other things just seem to get in the way and being basically an introvert of sorts, it's the one of the least favorite of my activities.

BUT ITS ALSO ONE OF THE MOST PRODUCTIVE!
(I'll share my "solution" in my next post after we get a few good DISCUSSION DAYS on this question.)

My question for this esteemed group is....

What is your frog? How have you solved (or tried to solve) getting over that daily hurdle?

Post your "frog" in the comments and let's get some discussion going on how we can best

EAT THAT FROG!!!!

It's a Good Life !

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

How to Buy Life Insurance-Santee-Smarter, Cheaper, Most Effectively - Read This First - 92071

2008-06-04T06:11:42Z

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So here’s all you need to do…

Sincerely,

It's a Good Life !

You can also check out our LIFE INSURANCE INFORMATION PAGE

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

How to Buy Life Insurance-El Cajon-Smarter, Cheaper, Most Effectively - El Cajon, 92019, 92020, 92921

2008-06-04T06:07:58Z

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So here’s all you need to do…

Sincerely,

It's a Good Life !

You can also check out our LIFE INSURANCE INFORMATION PAGE

Spring Valley Auto Insurance Quote, Renters Insurance Quote, Homeowners Insurance Quote

Dennis Volz-Insurance for San Diego County

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Your condominium or Condo as we affectionately call it is a very important investment. Protecting it properly is critical to your financial security. If you’ve only been guessing until now, then guess no longer.

Mortgage Insurance is simply life insurance that’s designed to pay off the mortgage at the death of one of the owners.

Life insurance can be somewhat overwhelming to purchase. You’re so afraid of making a mistake.It’s easy to incorporate your mortgage insurance TOGETHERwith your regular Life Insurance and SAVE TONS OF MONEY in the process.Learn how with

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How to Buy Life Insurance-Lakeside-Smarter, Cheaper, Most Effectively - Read This First - 92040

Insurance Claims Secrets - The INSIDE STORY

Insurance claims can be a first class PITA! As Real Estate professionals, your clients will have to occasionally run the insurance-claim gauntlet. Your expertise and sage advice can help them more calmly and more profitably navigate these complicated waters.

Positive IS as Positive DOES-or-How to Keep YOUR Alligator in Perspective

HELP... Wordpress on a Mac?

What is your FROG?

How to Buy Life Insurance-Santee-Smarter, Cheaper, Most Effectively - Read This First - 92071

How to Buy Life Insurance-El Cajon-Smarter, Cheaper, Most Effectively - El Cajon, 92019, 92020, 92921

Life insurance can be somewhat overwhelming to purchase. You’re so afraid of making a mistake.

It’s easy to incorporate your mortgage insurance TOGETHERwith your regular Life Insurance and SAVE TONS OF MONEY in the process.Learn how with