Daniel's Blog

What Does Liability Mean on Your Auto Insurance?

HUB International — Tue, 01 Dec 2009 13:16:38 -0600

In the world of car insurance, the word ‘liability’ is linked with fault and responsibility. Your liability coverage will protect you if an event occurs that puts you in the position of having to fulfill a legal responsibility. The legal responsibility is usual financial.

Most state auto insurance laws require that a driver maintain at least liability insurance on their vehicle. Liability coverage protects you against costs associated with the damage and injury of another in an auto accident.

Liability policies have two parts: property damage liability and bodily injury liability. Liability insurance is cheaper than full coverage insurance because it only covers costs associated with an accident. Usually, the policy is expressed as three numbers; for example, 50/100/25. This means that insurance will pay for the bodily injury of an individual up to $50,000, will pay for the bodily injury costs on everyone in a vehicle up to $100,000, and will pay property damage costs up to $25,000.

Liability insurance protects you from lawsuits that may come your way as a result of an accident that was deemed to be your fault. To learn more about your auto insurance options, visit www.hubinternational.com

The Best Little List of Insurance Tips Ever!

HUB International — Tue, 10 Nov 2009 08:11:07 -0600

What Your Insurance Agent Forgot to Tell You...

Learning about insurance is excruciating for some. How many times have you read about someone wanting to sit down and read a good book on insurance? Yeah, it doesn't happen often. And your insurance agent... do you think they are going to tell you all the insider insurance stuff?

So, if you have trouble reading a full article on any insurance subject or if your insurance agent is not your best friend, these quick tips will get you enough insurance knowledge to make you look like you know what you are talking about... and I bet you will learn a thing or two! Of course, going more in depth with your insurance knowledge is best so let this be a springboard for you to eventually dig into more insurance information!

This list will be updated regularly with great quick tips. If you have any tips you think are worthy of this list please email them to me.

So, here goes... The Best Little List of Insurance Tips Ever!:

1. One of the best ways to save on your auto, home, or health insurance is to raise your deductible. You don't want to make a claim anyhow on an amount you can afford, so raise your deductibles to the top amount you would be willing to pay out of pocket before your insurance kicks in. Raising your deductibles can save you a lot of money so it is worth checking into.

2. Get to know your grace period! Just because you forgot to pay your insurance bill on time does not mean it is canceled. Most policies have at least a 30 day grace period in which you can make your payment and your policy will still remain in effect. So before you assume your insurance is gone, check out your grace period and pay up!

3. Keeping your policies with one agent can pay off. Sometimes you can find cheaper insurance at different agencies but there are two reasons to stay with one insurance company or agent: First, you can get a multiple policy discount and second, your insurance agent is likely to work harder for you when it comes to claims and service.

4. Ask for discounts! Don't assume your insurance agent will automatically give you all the discounts available. This is not because they don't want to but because they don't always know what discounts apply to you.

5. Credit and insurance goes hand and hand. Most insurance companies are partially basing rates on your credit history. Whether you think it is fair or not, it is happening. So, if you have some small credit issues get them cleaned up or if you can't and still want to save, shop around because each insurance company has a different way to evaluate your credit.

6. Skip the credit card insurance offers and warranties. Those offers by your mortgage or credit card companies to pay your balances are not worth the cost. It is always better to make sure you have a good life insurance policy to cover your debts. Also, extended warranties are just mini-insurance policies and they are hardly ever worth the amount you pay for them, especially if you take care of your items.

7. Need cheap health insurance? Choose a high deductible policy and haggle with your doctor! Yes, you are comfortable doing it with the used car salesman so why not with medical professionals? People do it, even insurance companies haggle and get rates reduced! Getting a high deductible insurance policy, or better known as "emergency insurance," will save you tons of money in premiums because it only kicks in usually after you have paid the first 5-10 thousand dollars (hence "emergency policy"). So, if you have other procedures the doctor would like to do that you will be paying for out of pocket... haggle with your doctor or the hospital. It sounds strange but you can reduce your costs and don't worry because others are doing it too!

8. You may not have to pay that "out-of-network" charge on your health insurance bill.As long as you followed your obligations of choosing an in-network doctor and an in-network hospital, if for some reason another professional at the hospital gives you care and they are not in-network then you don't have to pay. Your health insurance company will send you a bill anyhow, hoping you will pay but make sure you make it clear that you know you are not obligated to pay.

9. Insurance agents make way less on term life insurance. Term life insurance is basic life insurance that does what it is meant to do: it gives you a certain amount of life insurance for a certain amount of time. It is one of the most popular choices in life insurance because most families just get it while their kids are young... most people don't need life insurance when their dependents do not depend on them anymore. It is also very popular because it is the lowest cost option in life insurance and therefore gives you the biggest life insurance bang for your buck. That makes it a very low commission product. This is not to say that other life insurance options are not a good choice, but make sure you know why your agent is trying to sell you a particular life insurance product.

Hidden Divorce Mortgage Mistake - Home Insurance?

HUB International — Fri, 06 Nov 2009 06:05:46 -0600

Another hidden danger of divorce mortgages - home insurance

Did you know home insurance is required to close or keep a mortgage? If the house you buy (or keep per divorce) is later found to be uninsurable, the lender (based on contract language in the loan documents) can call the loan - essentially canceling your mortgage before it's barely begun.

Did you know pending insurance claims on a house will likely prevent a mortgage from closing?

Another casualty - your credit score: In divorce, if you cannot individually qualify for home insurance on the family house you own with your EX, you cannot individually refinance the mortgage.

Many of the dangers from owning a house without home insurance are obvious. But if the marital joint mortgage is not individually refinanced, you and your EX are still linked through a major debt - the mortgage. One late mortgage payment drops both of your credit scores (20-100 points); foreclosure is reported on both spouses' credit reports. As a result, you're not really divorced - financially speaking.

Solution - more information: To check your home insurance "health," ask your insurance agent for a copy of the C.L.U.E. report for your house. C.L.U.E. stands for Comprehensive Loss Underwriting Exchange. Under federal fair credit laws, home owners are entitled to one free C.L.U.E. report per year. www.choicetrust.com or http://tinyurl.com/dm67d

As always, a licensed insurance professional can help you determine your best options now for a stronger financial future.

A recent testimony from a client that got burned.

HUB International — Thu, 05 Nov 2009 14:57:58 -0600

Bait & Switch Vacant Home Insurance

When we leave our home in Radnor Pennsylvania for the winter to spend 4 or 5 months in Scottsdale Arizona, we typically can find someone to "sit" in the house while we are away. Last winter we found no one, and spoke to our agent about how to insure the home.

We were advised that we were in luck, and our regular homeowners insurance company would be able to insure our vacant home at an additional premium. In February of that year, we had a major claim when vandals broke into the house, stole some items, but even worth left about $20,000 of damage in the house.

When we filed the claim with our insurance we were in for a big shock. We had assumed the coverage was pretty much the same because it was the same insurance company. We quickly learned we had no coverage for this incident because the new policy was a reduced level of coverage. Our agent told us "you just can't get the same level of coverage when a home is not being occupied" and this is what people live with. Basically.. we had no other choice?

However, no one explained the coverage was to such a lesser degree. Our advise, when you put on a vacant dwelling insurance policy make sure you know exactly what you are buying.

Insurance fraud - who cares?

HUB International — Fri, 16 Oct 2009 11:53:18 -0500

In a recent industry report we learn that one in five of U.S. adults, nearly 45 million people, say that it is acceptable to defraud insurance companies under certain circumstances.

Four of five U.S. adults, think that insurance fraud is unethical.

One in four Americans, think it is acceptable to defraud insurance companies. A full 8% say it is quite acceptable, to take undeserved money from insurers. A further 16%, think it is somewhat acceptable.

The statistics go on to show that one in 10 people, agree it is okay to submit a claim for an item that is not truly lost or damaged, or for injuries that did not occur.

Two of five people, would be not very likely or not likely at all, to blow the whistle on someone who defrauded an insurer.

Yet, 95% of all those surveyed would like to see their insurance rates decrease. In my opinion, we really need to put more of an incentive to report fraud and dramatically increase the penalties for committing it.

What are your thoughts?

Insurance Myths

HUB International — Wed, 14 Oct 2009 09:25:36 -0500

Do you have clients that believe that reporting a claim to their insurance company should be avoided if it is not serious? As insurance professionals we all know, this is just not the case. This is one of the insurance myths addressed in a series of two articles in Insurance Journal (see here & here).

An auto accident – a fender bender where one party paid cash on the spot to settle the claim – is used as an example of why not reporting a claim is a bad idea. The author correctly points out that a subsequent, and late, claim for bodily injury might be declined by the insurance company based on a failure to report the claim in a timely manner. While this is a simple and obvious example, we still see this avoidance of claim reporting from commercial insureds from time to time, including professional liability insurance insureds.

Other myths addressed in the article:

·         I don’t have anything, so I don’t need insurance

·         He is a 1099 employee, and therefore an independent contractor

·         I only need Flood insurance if I am in a flood zone

Should Health Insurance be Like Fire Insurance?

HUB International — Tue, 13 Oct 2009 15:40:32 -0500

I found a very interesting and persuading article that I would like to share with you. Steven Pearlstein, a business columnist for the Washington Post recently commented about the health insurance reform debate. Currently the debate revolves around how much each American should pay for their heath insurance, particularly if their health insurance premium should be tied to their lifestyle choices such as smoking and lack of exercise and other lifestyle factors. Here is an excerpt from Pearlstein's article... he has a good point, take a look:

"Those who want to prohibit insurance companies from charging higher premiums to people who smoke, drink heavily, abuse drugs or have unhealthy diets apparently take the position that these behaviors should be subsidized by those who take better care of their health.

And those who rail against limits to end-of-life care are effectively saying that patients willing to follow the best medical evidence about what works and what is cost-effective should be required to subsidize those who don't.

In a free country, people have the right to decide what to buy, where to live, what to eat and drink, and how much medical care to buy. They're even free to negotiate for health benefits instead of wage increases. What they don't have is the right to expect that everyone else should pay for their choices through higher taxes and higher health insurance premiums.

One of the aims of health reform should be to make health insurance more like fire insurance, reducing as much as possible the moral hazards and the cross-subsidies while protecting all Americans from medical catastrophe."

What do you think?

Think your Homeowners and Auto insurance has you covered?

HUB International — Fri, 09 Oct 2009 14:32:31 -0500

Think your Homeowners and Auto insurance has you covered? In just the last two months here are six situations that resulted in claims that were not covered by the individual’s current insurance carriers. In most cases these could and would be covered by a Personal Excess or Umbrella policies. Here are some examples of clients' liability risks I've encountered:

Chartering 30-foot sailboats to sail with friends at the Jersey Shore
Serving on the board of a Local Hockey Association
Serving on a church board that oversees the Fall Festival with gambling and liquor exposures
Renting a restaurant to host his daughter's wedding party, which will involve signing a contract to indemnify the restaurant for any lawsuits arising out of the event
Driving a company-furnished car with no coverage for injuries to coworkers
Transferring the ownership of a home to a trust

Bottom-line, see an expert and make certain you have the appropriate coverage in place.

The cheapest insurance in the world is not having any, and it’s also the most expensive!

How to save on homeowners and auto insurance

HUB International — Fri, 09 Oct 2009 10:24:50 -0500

I'm often asked "how can I save money on my insurance?" Below are a few general tips on how to save on homeowners and auto insurance.

1. Ask for periodic updates. Like a financial advisor, your insurance broker should know the details of your individual circumstances so that changes in your status are reflected in your coverage. For example, your broker may suggest increasing deductibles in order to decrease your premiums.

2. Consolidate your policies with one insurance company. Many companies offer discounts for multiple policies. Start by purchasing homeowners and car insurance with the same company. When a new need arises, contact the broker you use for those policies first. Avoid duplicating coverage. For example, you may not need towing coverage if you belong to an automobile club.

3. Look for specific discounts. Your broker may be able to decrease your premiums if you have good credit, have a home security system or are a non-smoker. Additional potential discounts are listed on www.hubinternational.com/savings.

4. Maintain a good driving record. Driving safely will help you maintain a preferred rate. Share all safety features of your automobile with your broker for maximum credit and remember that premiums are set by the value of the vehicle. The more expensive your car, the more expensive your premium will be.

5. Improve your home and make it disaster-resistant. Homes with maintained foundations, water heaters and roofs can qualify the owners for reductions in their premiums.

“Obtaining the proper insurance coverage for a good value starts with consulting an insurance broker who has national access to experts in the areas you need coverage,” said James Kane, president, HUB International Personal Insurance. “Insurance brokers -- unlike insurance agents -- work for the client, not the company. Our job is to look for the best comprehensive combination of service, coverage and price.”

Working with a broker who has access to products from multiple carriers, a strong pulse on the local market, and knowledge of coverage options is critical to ensuring you get the best service and price possible. Start by getting a thorough, professional recommendation from a licensed insurance broker who can identify ways to help you save on your insurance. For more information, email me at Daniel.Guest@HUBinternational.com or call direct Daniel Guest 609-203-8293.

The Check is in the Mail… or is it?

HUB International — Tue, 06 Oct 2009 09:39:25 -0500

I’ve been speaking with a lot of our clients lately and although they’re in different industries with different business models, they share a common concern.

With the nation in the midst of the worst economic recession, more and more of our clients are finding that their customers can’t pay. Even large customers. And even those that they thought were financially stable.

The good news is that there is protection against this blind spot and potentially deadly time bomb. It’s called Credit Insurance. Think of it as a firewall against receivables risk, protecting you against much of your vulnerability.

Everyone I’ve talked to loves it. It lets them focus on their business and leaves the risk to a third party.

Anyway, just thought I’d share. If you have any questions, never hesitate to reach out to me directly.

Regards,

-Daniel

Will Your Wealth Vanish Into A Black Hole

HUB International — Tue, 29 Sep 2009 11:14:48 -0500

It’s an all too common nightmare: a professional or business person works hard all of their lives to accumulate a certain level of wealth and then loses it all when they are hit by an unexpected lawsuit. Perhaps a visitor is injured in their home(s) or they are involved in an accident with an uninsured motorist.

If they do not have adequate insurance to cover the liability, personal assets may be seized. A life of success wiped away.

So-called umbrella policies are designed to provide a financial shield against this, but large umbrella policies can be costly and may involve complex underwriting.

One attractive but little known way to make this simpler and often less expensive, is to acquire group umbrella coverage.

Under this approach, a group of 10 or more individuals working in the same company or professional practice purchase the coverage under a group umbrella program. Each person can select their own limit, based on their individual needs, and even offer it as a perk to others in the company.

Everyone that I’ve talked to loves it. It’s an efficient way to place an all-important buffer between yourself, your assets, your lifestyle and the risks that can play havoc with all you’ve worked for.

Protect yourself!

-Daniel

MySpace, Facebook, Blogging, Emails, Texting … The Internet Exposure

HUB International — Tue, 15 Sep 2009 10:45:34 -0500

What you “say” on the internet…

Some people put some awful stupid statements in writing. YES … All of that IS in “writing”. Libel … the things you write … are easier to prove against you than the foolish things that you say (slander).

People are suing …

People don’t think about these things … until they get sued … and even then … I bet they think that they are covered under their homeowner’s policy. Whoops … guess again!

Did you know …

In Hermitage Pennsylvania a high school co-principal is suing four former students for creating a “parody profile” on MySpace.com where this principal “admitted to” smoking pot, having sex with students and keeping a keg of beer behind his desk.

Oh, by the way … this is a FEDERAL lawsuit …

Could this happen to your kids … to the parents of these kids for “negligent supervision????” And … if it does … and you are sued … will your homeowner’s policy respond with defense and coverage?

And … in another part of the country … San Antonio, Texas …

An assistant high school principal filed suit against two former students AND their parents for alleged defamatory statements made on their MySpace.com web page. She is suing for “defamation, negligence and gross negligence” for the “lewd, defamatory and obscene comments, pictures and graphics.” She is also suffering because a multitude of miscreants who have viewed “her” page … and contacted her.

The allegation against the parents contains the following language as “allowing access to the Internet, unsupervised and without restraint poses an obvious risk and unreasonable danger that such children would utilize the Internet for illicit purposes.” For those of you who think … “kids will be kids” … this is a tad different than writing nasty things on the bathroom stall doors.

Internet-related Defamation lawsuits increasing …

106 civil lawsuits against bloggers and others in social networks and online forums were reported in statistics by Citizen Media Law Project at the Berkman Center for Internet & Society at Harvard University. This is up from just 12 in 2003.

What will the unendorsed Homeowners policy do?

The standard unendorsed homeowner’s policy covers Bodily Injury and Property Damage liability.

“Bodily injury” means bodily harm, sickness or disease, including required care, loss of services and death that results.

“Property damage” means physical injury to, destruction of, or loss of use of tangible property.

One’s reputation is not “tangible property.” One who suffers mental anguish and emotional trauma over items “written” on the Internet about them does not suffer “bodily injury” … at least not at the time of this writing.

So … if either the named insured or other resident relative writes a defamatory remark about someone else or deliberately writes incorrect information about someone else resulting in a lawsuit … what will the Homeowner’s policy do?

NOT SO MUCH …

What if the insured is NOT “guilty”?

Well … I guess that’s great … but how does that get proven? If you are sued then there will be a court case. Who will pay for the lawyer? If you have a normal unendorsed homeowner’s policy … not the insurance carrier!

In today’s world of suit-happy individuals the Internet just provides one more mechanism from which potential problems and lawsuits can arise. And now … so many people have Internet capabilities on their cell phones.

Is there a way to provide coverage for libel/slander situations?

Yup! Actually there are two potential ways or endorsements.

Bottomline….

In today’s world this is a very REAL exposure, and you SHOULD have this endorsement(s) on your homeowners’ policy. It is inexpensive and one that I certainly want … and have … on MY policy.

15 Minutes of Fame Can Cripple a Small Business

HUB International — Fri, 11 Sep 2009 16:29:58 -0500

The “15 minutes of fame” phenomenon is sweeping the world. Facebook, MySpace, Twitter, LinkedIn all appeal to the ego and nothing is more satisfying to a disgruntled or fired employee than receiving recognition in the form of seeing the employer’s confidential information he or she provided plastered all over the Internet–even anonymously.

Small businesses are perhaps most vulnerable because they are often unprepared for such an attack, and lack the manpower, resources and proper risk management policy to respond; consequently, they are more exposed. Negative publicity can mean the demise of a small business, unlike with a larger company that has the resources to employ a crisis communications strategy.

A solid risk management plan, which includes appropriate insurance, may protect against potential damages resulting from negative social media. Three types of insurance coverage that may provide protection are:

Privacy/Internet coverage–protects against third party litigation resulting from a violation of privacy as well as various damages incurred by the compromised company.

Directors & Officers Liability–covers against lawsuits prompted by financial loss due to the mistakes of management and employees

Comprehensive Crime–protects against computer generated thefts
Small businesses need to think of social media as virtual town hall meetings.

The good news is: they can hear what the public has to say about their products and services–like an early warning system. The bad news is, social media could lead to damages or liability if small businesses don’t properly handle it.

To find out more, schedule a complimentary consultation by emailing me at Daniel.Guest@HUBinternational.com .

Regards,

Daniel Guest

General Liability Insurance 101: What? When? How?

HUB International — Wed, 05 Aug 2009 16:52:26 -0500

Own A Business? Look Into Purchasing General Liability Insurance

Business owners across the country are finding out that protecting their company from outside threats may require general liability insurance. As a business owner, you should always be trying to find the most fool-proof way to shield your business from the threat of a lawsuit and general liability insurance is the first step in ensuring your business is protected. Business insurance protects your company in various ways, however general liability is a particular type, that can cover various sectors of your business.

General Liability Insurance Defined

Simply put, general liability insurance secures the assets of your business when it is sued for something involving either injury or property damage, regardless if your business is responsible or not. General liability insurance can come as a component of a business-owner's policy or it can be purchased separately. Generally, BOP's have limited coverage but that limited coverage may be sufficient for your company. The extent of coverage your business needs is dependent on a couple of key factors:

The state your company operates in -

The amount of risk your business generates -
How much potential to cause harm do your products have? A business that manufactures wood chippers will need an extensive policy because they are more likely to be sued as a result of injury or property damage than a business that manufactures picture frames. Different states have different track records on the generosity of lawsuits awarded in favor of the plaintiff. If you operate a business in a state that typically awards high damage amounts to plaintiffs, you might need to shell out for more general liability insurance coverage.

How General Liability Insurance Works

With a general liability insurance policy, your carrier is required to pay your legal costs in any claim or lawsuit that contends unintentional damages or injury of any kind. A notable exception to the coverage is punitive damages since they are considered intentional.

Also, most general liability insurance policies state the maximum amount the provider is willing to pay with you, the owner being responsible for the cost of any overages throughout the process of the lawsuit. Many businesses prepare for these instances with umbrella policies that are responsible for covering any overages.

When To Purchase General Liability Insurance

If you are just starting your business or are worried how you will pay for a lawsuit should one be filed against you, then don't wait any longer and look into purchasing a general liability insurance policy because the livelihood of your business could depend on it. In general, the best way to get started with more information and getting a valid cost estimate on business insurance, would be to get a few insurance quotes from reputable providers.

Home Insurance Policies: Dig Deeper For Savings

HUB International — Wed, 05 Aug 2009 16:31:29 -0500

Learn Four Ways to Reduce Costs on Home Insurance Policies

Finding ways to save on homeowner premiums can be as simple as homeowners just taking a second glance at their home insurance policies. That way, they can determine what coverage is necessary and what isn't. To find savings now, look for homeowner's insurance quotes with a free and easy search online

4 Tips To Save On Home Insurance Policies

Boost that deductible.

Homeowners may know that raising deductibles can reduce premiums on home insurance policies. The trade off is that you will then have to pay that cost out of pocket after a claim before your provider will cover the rest of the bill, so the deductible shouldn't be more than you can afford. However, even going as far as tripling deductibles doesn't have to present a huge risk for home insurance policies. The money you save from raising your deductible can be put into an interest-bearing bank account; if the time comes where you have to file a claim, the amount in the account may be much more than your deductible!

Don't live in disaster areas.

From New England's acid rain through the homes in Tornado Alley to the West Coast's earthquakes, many areas are danger zones for natural disasters, which can make getting affordable home insurance policies near impossible. Living farther away from bodies of water and high-risk areas can make finding low-cost home insurance policies just that much easier.

Insure only the good stuff

Before purchasing home insurance policies, homeowners should take an inventory of personal belongings and home content. You may realize that you don't want to insure everything on your policy (perhaps not every item is necessary to replace in the event of a disaster). Instead, insure the things you really would want replaced and are too valuable to ignore including on home insurance policies. By doing this, homeowners can find considerable savings on their home insurance policies.

Neighborhoods.

The premiums on home insurance policies can often be reduced based on the neighborhood your home is situated in. Areas with low crime rates and near police stations, fire houses and hydrants are at a lower risk of theft, vandalism, and home fire damage, which makes premiums on home insurance policies reduce significantly. If your area does happen to have some crime, getting a reliable security system (or even a deadbolt) installed will also help you find affordable home insurance policies.

Coaching leader

HUB International — Mon, 23 Jul 2007 16:54:42 -0500

We sales people are a stubborn folk. We really don't like people checking our math. "Just be happy with the result! Why do you need to probe and pick at how I got there...just eat the sausage don't ask how I made it!!" We know that we are good at somehow getting to the final answer; somehow we make magic happen everyday. BUT there are two big things that we don't like to admit; we had two BIG winds at our back in the form of higher purchase volume and lower rates for refinances. Values were climbing, bailing out all of our risky deals and employment has been strong enough to keep everyone afloat.

Well, now the wind is gone. In fact, it has swung around in has combined to be a strong headwind of higher rates, dropping values, tighter guidelines and slow purchase volume. Add to that investors who have decided to enforce contracts for the first time in a decade; you have firms going belly up everyday. This is not a time for the faint of heart and weak of plan.

If you feel lost and unsure during these times you are not alone. This can be especially true if you are in a small firm. You move to the tides of the business and react to the people or environment around you. You could even feel this way in a disconnected larger firm -- Lord knows I have! Identifying a mentor or coach/therapist can fill that void and harness those voices in your head to just one clear voice with a defined purpose. It is still your voice but the validating input gives that voice a deep inner confidence so you can speak with conviction.

Can this role be filled by a boss, a respected peer, an old boss, a friend out of the business, or a neighbor? Does a professional coach make a difference? I believe it does but only if you are committed to change. Like hiring a professional physical trainer and not giving your all, or not showing up on time (or at all), it is a waste of both of your time. I believe that the investment of your own money into an implementation coach helping you execute your plan is well worth it. I have used a coach for my recent move into the new world of entrepreneurship and found it very helpful in my journey.

To understand more fully what coaching means and to understand the steps needed for you to become a coaching leader with in your organization, I encourage you to read Daniel Harkavy's book, "Becoming a Coaching Leader". It truly is a textbook for the Coach, written by one of the best. He breaks down in clear terms the commitment involved and how you can evolve from the coached to the coacher...

This summer you need to look at his definition of the Core 4 and how it applies to you. This second half of this year may prove to be brutal and understanding your core convictions will keep you from panic during this winter ahead. These markets are great opportunities to identify un-served needs and position you as the expert before others less confident have figured it out.

So I encourage you to let someone else look at your "math". Open your Kimono up and show someone the nitty-gritty of how you do business. The humility will do you good and your closet could use some light. Even the best have to go back to school and relearn after admitting they have been wrong from the beginning. It's never too late to be right!