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Saturday, December 8, 2012

Landlords Insurance: How Important Is It?

Landlords Insurance is one of the major considerations that serve as a protection for landlords during the situations when they are actually prohibited from using a property that belongs to them as a source of income. There are certain circumstances that include some legal disputes between a tenant and a landlord, and all these problems can be resolved by Landlords Insurance. If the legal expense involved in the course is purchased as an important part of insurance coverage, a landlord would be compensated. However, in such cases where a property has been damaged to a point when it becomes inhabitable, the Landlords Insurance will be a great help in covering the costs of repair and also compensate the landlords for their loss in income or rent collected at the time of rebuilding.

Whilst it might seem to be a great opportunity to become a landlord and to bring some valuable source of money, it has certain pros and cons. There are many aspects that every landlord should consider before renting out their property.

It is important to educate yourself on some of the major uses of insurance coverage that is available today and that could save some money. It would also safeguard the money you have invested for your future. Landlords usually have a dilemma of choosing the apt insurance protection that would not only be lucrative and cost effective option, but would also be a secure investment. There are many options apart from Landlords Insurance, such as building insurance, building and content insurance etc. Alongside, it can be very difficult to make such a decision, and the landlord would be vulnerable to huge financial risks than before.

One of the major issues with landlords is that they must safeguard their property with an insurance that offers acceptable coverage. Property is one of the most valuable investments, and as it is extremely critical for the landlord, and insurance will prevent the property from unforeseen problems. There are several policies and coverage available for landlords to choose from and to ensure that the building is secured and protected against all odds. To ensure this, you will have to cover the property with landlords insurance.

Landlord insurance usually offers 2 methods that can help you in your settlement- the replacement value and the actual cash value. Landlords have to pay a very low premium for the actual cash value coverage, as they would receive compensation after a certain amount of depreciation will be subtracted from the real value of that property. With the replacement value settlement option, compensation would cover all the necessary costs involved for replacing the property that has been damaged without considering the depreciation. The property, however, would be replaced for certain settlement issues. If not replaced, the settlement would be the true cash value of the same.

Apart from choosing the actual cash value method for settlement, there is another option in which the premium is reduced for the Landlords Insurance for increasing the deductible. Deductible is basically the sum of money that the policy holder himself would pay for recovering his losses. Higher deductibles would ensure discounts.

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Do You Truly Need Extra Coverage for Your Valuable Possessions?

Do you really need to get extra home property insurance coverage for your special piece in your house? Will not your standard homeowners policy cover it? The fact is that your basic policy usually gives coverage for such things only if your loss is a result of perils that are included in the policy primarily.This makes it very important for you to preview carefully exclusions part of your policy.

But even if you are covered for this kind of items within the limitations of the perils included in your policy, there are usually low caps on compensation for some of such items. Your insurance provider won't pay a dime more than the exact amount stated in your policy (And the standard insurance coverage sum is often low).

For example, if you register the stealing of one piece of jewellery, your standard policy probably won't pay back anything more than $1,500 irrespective of how much more it's value. When you look at this you will agree with me it is grossly inappropriate for somebody who has an item that is worth $50k.

Undoubtedly, you'll not be happy to get $1,500 in such a case. Accordingly, you will need extra coverage. You could have two alternatives for increasing insurance coverage to something more acceptable for your situation...

You could raise the limit of liability on your basic policy or you can buy floater policies for a given item or items. If you need the cheaper option, then you can go for raising the limit of the liability.

Just keep in mind that your limit should be at least 150% more than your most valuable piece. Here's why that is prescribed: When you raise the limit of liability to $20k then you will probably only be able to claim a maximum of about $8k on any single object.

You will need to talk about this in details with your insurance agent so that you can select the right limit for your situation. Don't also forget that in this situation, losses covered up will be limited to perils that are covered by your policy.

This other option might be a lot more high-priced but it simply makes more sense for people who own very valuable pieces. That is just because it gives you much more protection and is not restricted to risks in your normal policy. In fact, it covers any kind of loss (including accidentally flushing it (say, a ring) down the drain).

This particular alternative is scheduling each item by buying floater policies. These have more complicated requirements, though. The item to be covered should be estimated by a professional first. This will likely cost money but it will be money spent well.

But having said all, don't fail to request information from your adviser. Buying household insurance can be difficult since everybody has their peculiarities once it comes to our possessions. You need to be sure you are satisfactory insured.

Top 8 Benefits of Using Enterprise Social Networking Software

Every business is always on the lookout for alternative ways to maximize revenue generation by streamlining their level of communication and collaboration with the employees and customers. The enterprise social networking software helps you set up online communities to stay in touch with your customers and event attendees, before, during, and after a meeting or conference. This software also helps you utilize the benefits of social media websites, blogs, and real-time text messaging to the business world.

Let's now discuss the top 8 benefits of resorting to the enterprise social networking software.

Quickly Build a Community

The web-based enterprise social networking software lets you easily build an affordable and highly interactive social networking community around a seminar or business show. You don't have to purchase or install any software or hardware to create such an online community.

Create a Fully Customizable Community

You can, at anytime, customize your enterprise social networking community, including its layout and look, to make it appear more professional.

Connect and Communicate Online with Event Attendees

The feature-rich and highly scalable solution lets any event or training organizer connect, interact, and share valuable ideas and information with their present and potential contacts. The attendees can also instantly respond to any mail or debate online. You can even share important files, images, and videos with your attendees in real time.

Easily Manage Members

The integrated member management tool lets you easily collect dues and renew memberships. The member management tool also lets you create multiple types of memberships (Platinum, Gold, Silver, Annual, Monthly, and more). You can even offer special discounts to members to attract them toward your upcoming conference or seminar.

Build Private Communities

This enterprise social network solution also enables every organizer to set up a private community for its specific group of members. You can offer these members facilities, such as registering and paying you from within the community itself. These private communities appear to be safe, as it keeps all your data secure and backed up for you to access sometime later.

Social Media Websites and Blogs

Enterprises can use the Cloud-based networking solution to start communicating and interacting with the online social world. The in-built social media connector lets you easily create events pages on Facebook and keep on adding members to the site. The solution provides a great scope to display all your upcoming trade show and such other event details on the micro-blogging site - Twitter as well as on the professional business networking site - LinkedIn. The enterprise social networking solution also enables you to create and maintain blogs to engage more people to the corporate world.

Real-time Messaging

The in-built mobile phone app will make it a lot easier for your present and future event attendees and exhibitors to access through your content and links with their mobile devices.

Offer Promotional Codes and Discounts to Members

This web-based solution allows you to offer promotional codes and special discounts to individuals to let them sign up for your programs in large numbers. These types of incentives can help you increase tickets sale and, therefore, drive higher revenues.

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Is Your Site Pinterest Friendly?

Looking to build your business with the newest social site on the block? Pinterest can be a great way to drive traffic and build awareness for your business and brand. One of the most useful ways to build traffic to your site via Pinterest is to make your site "Pinterest Friendly." Essentially that means that your website or blog is visually interesting and that the images on your site are easy to add to Pinterest.

Your Site is Pinterest Friendly If...

The most important criteria for a Pinterest friendly website or blog is visual interest. Pinterest is a social site where people share images and create theme-based pinboards. For example, many Pinners (aka Pinheads) have created boards titled "My Style" where they pin images of clothing, accessories, shoes and so on. If you have a blog dedicated to fashion your site has a good chance of being pinned if you include an assortment of images.

Now your images aren't limited to pictures. On Pinterest you can pin:

- Images/Pictures

- Videos

- Infographics - graphic visual representations of information, data or knowledge.There are several online tools like visual.ly that help people create infographics related to their topic and niche.

The second essential ingredient to a Pinterest friendly site is the ability to actually pin an image. While anyone with a "Pin This" bookmarklet on their browser toolbar can pin an image, it's not always easy. Images or text embedded in Flash videos and even picture galleries often don't display properly with the bookmarklet and it can be a challenge to actually pin the image you want.

This is quickly solved by adding a "Pin This" button on your site. It solves a few problems. First, it makes it easy for your visitors to add your image to their pinboard. Second it gives visitors permission to pin so they don't have to worry about copyright issues. Finally, a visible "Pin This" button may actually motivate them to pin the image.

Make your images, videos, and infographics easy to pin by placing them on the page rather than displayed as a background. Each item you want to be able to share needs to be saved as an image or a separate file. Also provide nice descriptions of the photos for added information and keyword opportunities. Make sure that the photos and images you place on your blog or website are actually related to your topic.

Finally, if you have a blog consider adding a recent pins plug-in. There are a few to choose from. This plug-in actually links directly to your Pinterest account (or someone else's if you prefer) and it displays the last few pins they've posted. It adds visual interest to your blog and motivates people to pin and to follow you on Pinterest too.

10 Easy LinkedIn Power Strategies

You have unlimited choices in how you invest in your career's growth and success.

You don't have to suffer silently working yourself to the bone or mindlessly jumping from job to job without a clear plan or direction.

You've survived and suffered through enough layoffs, watched your peers surpass you long enough and have experienced life changing personal events that have impacted you.

What worked earlier in your career (or even 5 years ago) won't work for you now. There's a new way to work. It's time to approach your career with purpose, heart, intention and soul.

Keeping your LinkedIn profile current and relevant is just one way to take your power back in your career's success. Whether or not you're seeking new employment or growing your business. It's an ongoing activity to do throughout the life of your career.

Here are 10 things you can do to take your power back.

1. Add your picture - one where you're smiling and expressing your inner joy. A picture says a 1,000 words, without one you're missing a priceless opportunity to immediately connect with others.

2. Update your current position. Use relevant titles that people are seeking. Make it easy for employers and joint venture partners to find you and fill a current or future position.

3. Update your specialties. It's a prime opportunity to highlight what you do best and spotlight your unique strengths and area of expertise.

4. Request endorsements. You've made huge achievements this past year. Ask colleagues and former employees to write the praises they've been saying to you in person and via email.

5. Send a "touching base" email to your colleagues at different organizations. It's probably been a while since you've last been in touch. Boldly and authentically share your progression and success.

6. Meet in person with 3 of your connections. Whether it's over coffee, lunch, at a sports game or outdoor concert - make it fun. This is how you take the "work" out of networking and shift into relationship building.

7. Update your primary email to your permanent email address versus your address from two employers ago.

8. Add your contact number or Skype address. Make it easy for potential employers or joint venture partners to reach and connect with you.

9. Pick up the phone and connect with 3 of your connections. Schedule a Skype virtual meeting with your overseas colleagues.

10. Update your interests - both your professional and personal. Allow others to see and know more of your whole self. You may be connected on a richer and deeper level.

Not only are these smart career success strategies - they are mindful. They reflect the intention you have for your career, legacy and purposeful leadership.

5 Tips for Improving Your SEO With Google+

Google+ is still so new that some people are wondering if it's really worth it to put effort into maintaining a profile on the social network. The answer is: absolutely! Google+ has such a strong presence in the Google search results that it would be a mistake to pass up the opportunity to use it.

Here are five tips that will help you make the most of Google+ and improve your search engine optimization:

1. Increase your number of followers. With Google+, it is important to have a substantial number of followers. This can go against what you know to be true with other social networks. On those sites, quality is the important thing, not quantity.

If a user is logged onto Google+ and conducts a keyword search, then any links you have shared on your Google+ account that contain those keywords will show up higher in the search results. When someone is not logged in, those results will appear further back in the results pages.

To get more followers, you can add a link to your Google+ profile on your website or blog. You can also add it to any forums profiles you are a member of, email signatures, or other social media sites. There are Google+ badges that you can add to your website. Don't forget to draw followers from your other social sites to follow you on Google+.

2. Claim authorship for your online articles. Even if users are not logged into Google+, you can really stand out in the search results by staking your claim to any articles that you have written. If a person is logged into Google+, they will have the option to add any author to their own circles right from the search results page.

To add the authorship connection between your blog to your Google+ profile, there are two options. One is to link your blog content to your profile by specially formatting your URL. In the "Contributor To" section of your Google+ profile, add the URL of your blog.

The other way is by adding your email address to each page of your content and listing that same email address on your profile. Once you have linked your content to Google+, you will be able to complete the authorship request form.

3. Connect your website to Google+ directly. This requires only a simple scrap of code. There is also a badge that you can attach to your site for Google+. This connection will help boost your rank in search results by displaying your recent activity along with your place in the results.

4. Encourage more +1s. The +1 button can be more powerful than the "Like" button for Facebook because the number of +1s will be displayed in search results on Google, whether or not the user is logged into Google+. People will be more likely to click on a site if has been +1ed because it's like a vote of approval.

Add a +1 button to all of your pages and blog posts. This is also an easy way for people to share links from your website on their own Google+ profiles.

5. Fill in your information completely. A lot of us tend to fill out our profiles "just enough" to get started. But then we forget to go back and do a more thorough job. Make sure that you have an answer to each question because Google sets higher priority on certain areas of your profile for search results as well as page optimization.

Keep in mind that the first 55 characters will make the most difference in Google+ search results, so be sure to make a good first impression!

How have you used your Google+ profile to improve your search engine optimization? What has made the most difference to you? Share with us!