Female Insurance Adjusters

More and more women are discovering the field of Independent Insurance Adjusting and I believe this will have a positive impact on our industry.

There was a time when the females you saw in the field were part of a husband and wife team with the husband as the adjuster and the wife who assisted them. When you did see a female who was the adjuster it was few and far between.

But that is changing.

Not only are women finding that they are capable of doing this job, but many have become quite successful at it.

Organizers by nature, the female adjuster has been able to grasp the need for details that is such an important part of our job. This dedicated attention to the details has resulted in a very good completed work product, and that makes the insurance carriers happy. And women tend not to be afraid to ask the needed questions in order to get things done correctly.

I met a female adjuster last year in her mid thirties and fairly new. She was 5'3 "and 105 pounds at the most. When I saw the ladder she was using I wondered how well she was going to be able to handle it. But let me tell you, she had that ladder out of the truck, set up and she was on the roof so quick even I was impressed. This was no wimpy ladder either! Her inspection practices were good and her scope was correct and complete.

So to all of the new female adjusters and those that are trying to break into the industry I say Welcome!

I think you'll find that this is an exciting rewarding field and one that you can truly expand and utilize your talents, AND be recognized for them.

If you are looking for cheap insurance for your van, you should check out supermarket giant Tesco's and compare tesco van insurance today. Their quotes are reasonably priced and they can get your van covered in a matter of minutes.
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Official – Biting your Finger Nails Causes Heart Disease

Scientists at WITS university have discovered that biting your fingernails greatly increases your chances of heart disease. They also have seen a likelihood that you life expectance will be dramatically shortened to that of a heavy smoker.

The heart problems are caused by Bacterial Endocarditis which is an infection of the hearts inner lining (endocardium) and / or the heart valves.
Bacterial Endocarditis occurs when bacteria enters the blood stream, either though Finger Nail Biting or dental procedures. The bacteria then lodges itself heart valves or other damaged heart tissue
This will eventually lead to extensive heart damage which will in turn cause it to fail.

Apart from finger nail biting, you can contract Bacterial Endocarditis through other forms of surgery or dental procedures, teeth whitening is also a culprit. Some other medical procedures (such as colonoscopy, cryoscopy and sigmoidoscopy) increase the risk of bacteria entering the bloodstream.

Flu like symptoms, fever, chills, shaking are signs that you may have contracted Bacterial Endocarditis. You should talk to your doctor immediately. Your doctor will then need to do more tests, such as blood tests and echocardiography (ultrasound) to find out if you have Bacterial Endocarditis.

Usual treatment is a hospital stay for a few days with antibiotics. Antibiotics are usually started intravenously in the hospital, but many people can finish their treatment at home. For more complicated infections, heart surgery may be needed.

Long term damage can occur even if Bacterial Endocarditis is treated. Your heart may be weakened by the infection and may not pump properly, their also may be blood clots or damage to the heart muscle.
People who do not seek treatment for Bacterial Endocarditis may risk facing death.

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Glass Industry Terms – Everything You've Always Wanted to Know About Glass But Were Afraid to Ask

What is frit? Frit is an industry term for the paint that is applied around the perimeter of the automotive glass parts. One of the key ingredients in frit is a glass ceramic particle that fuses to the glass surface making it a very durable and scratch resistant surface.

Why is frit (paint) on the glass? Frit serves two roles on the glass. First, it is a cosmetic feature that is used to hide interior trim and pinchweld details. Early model vehicles used wide moldings to obscure what would otherwise be exposed areas. As moldings became smaller to the point of nonexistence on several current models, the frit had a greater role in covering unfinished areas of the vehicle. Secondly, the frit inhibits UV degradation of urethane adhesives. While the frit will not completely block the UV rays from passing through the glass, it does significantly reduce UV light transmission. Most urethanes are not UV stable. If urethane is left exposed to sunlight for prolonged periods of time, it will yellow and turn chalky. Presence of the frit will extend the lifetime of the urethane adhesive system.

How many types of frit are there? There are hundreds of types of frits developed for automotive glass applications. The most common automotive glass frits we use are black, gray and white although other colors are available. Frit pastes are developed to work in combination with the processing requirements needed for a specific part. Each paste is developed for the specific furnace time and temperature parameters used to fabricate parts at a manufacturing location. It is not uncommon for a glass manufacturing facility to work with a dozen different frit pastes.

How is frit applied to the glass? Frit is applied to the glass utilizing a silk screen method. It is very similar to the method used to silk screen T-shirts. An image of the frit design is developed for the glass in the bent or curved shape. Then the image is unwrapped and flattened. A silk screen is made to allow the frit to pass through openings in the screen. The openings correspond to the final design image. The frit is a thick paste that is put onto the screen. Squeegees are used to push the frit paste through the screen openings and onto the glass. Frit is applied to the glass while it is in the flat position before it is processed through the furnace. The furnace helps to cure the frit and to fuse it to the glass surface. Every part with each different design has a unique silk screen. Silk screens are constantly being maintained throughout the life of a part. Because of the fragile nature of the screens, they will wear out and commonly need to be remade throughout the lifetime of a part in production.

What is Batch glass? Batch is a glass reference term that identifies a part of the manufacturing process. The raw components of glass are properly proportioned and mixed in batches for delivery to the furnace. Even though glass is made in a continual process that runs 24 hours a day, every day of the year, the raw materials are added as needed in batches. To state that a glass is batch glass, it implies that there is not any post manufacturing materials, ie a film or coating, applied to the glass. Batch glass gets all its characteristics from the raw materials that are used to make the glass. In the case of privacy or solar batch glass, the dark colorants and UV inhibitors are mixed in with the original ingredients in the batch to make the glass.

What is Float glass? Float glass refers to the glass manufacturing process. The raw components of glass are melted in a furnace between a temperature range of 240OF to 2850 F. A continual process is established as the molten glass is moved from the furnace to the tin bath where it is supported on molten tin until the glass cools from the slurry state to a temperature where the glass becomes solid. The float process was developed by Pilkington during 1950's and is now considered the primary state of the art process for manufacturing automotive and architectural glass.

What is the tin side and what is the air side of glass? As mentioned earlier, the float glass process involves floating molten glass on.molten tin. The molten tin is smooth enough to give glass its flat surfaces. The tin and glass are like oil and water, they do not mix. However, the side of glass that is in contact with tin during the float process does pick up a microscopic layer of tin. This is considered the tin side of float glass. The top side of glass is called the air or atmosphere side. To detect the tin side of glass, hold an UV light at an angle to the glass surface. The tin side will glow and the air side will not.

What is Soft-Ray and what is Solar-Ray '? Soft-Ray and Solar-Ray are GM Trademarks for the glass used in their vehicles. It identifies the TYPE of glass used for construction and can appear on either laminated or tempered glass. LOF uses EZ-Eye glass for the production of Soft-Ray parts and EZKool solar control glass for Solar-Ray parts. PPG uses Solex and Solar Green respectively. Deep Tint Solar-Ray is another GM trademark that appears on dark colored solar control parts.

What is a monogram? A monogram is often referred to as the bug or trademark. Every automotive piece of glass is required by law to have an identifying mark on the glass that will be visible once that glass is in the correctly installed position in the vehicle. These marks are usually painted on the glass, but they can also be sand blasted or acid etched into the surface.

What is in a monogram? For automotive applications, there are certain governmental items that must be in the monogram including a department of transportation (DOT) number, the model (M) number and the glass type (AS-1, AS-2, AS-3 etc.) monograms can also include information such as the brand name of the glass, the company name that made the glass, the company logo, the country of origin and a date code identifying when the glass was manufactured.

Is there anyway to determine what a part is by the monogram on the glass? Unfortunately, the majority of monograms do not have any information in it to help determine what an unmarked part is. However, we are starting to see more parts marked with the NAGS number in the Monogram. As more of this is done, it will be easier to correctly identify unknown parts.

2-What is the difference between AS-1, AS-2 and AS-3 glasses codes? For automotive applications, the three most common types of glass are AS-1, AS-2, and AS-3. All windshields must be marked with the AS-1 code which is on laminated glass having light transmission greater than 70%. All tempered glass that has light transmission above 70% is marked with an AS-2 code. All glass, laminated or tempered, that has less then 70% light transmission will have an AS-3 Code.

What is a DOT code? The DOT number identifies the glass manufacturer. The acronym DOT stands for Department of Transportation. Each glazing manufacture must apply for a DOT number in order to sell glazings for vehicles in the United States of America. Each DOT number is assigned by the government and is unique for every manufacturer. Every piece of glass that is made must contain that DOT code if it is to be sold in the automotive market.

What is an M number? The M number is a model number that is assigned by all glass manufacturing companies. Each company establishes their own M number system that is unique to that organization. The M number identifies the specific glass construction. It can identify the glass details used to manufacture a part such as glass color and thickness. One Model number might apply to 50 different part numbers. Each Model number is tested every year for compliance with the governmental regulations. Most of the time, a part number can not be determined by the M number.

How can I determine whether the glass in a car is original or a replacement? If you do not know the history of the car, one-way to identify a piece of glass is to check the monogram on the glass. If you, knew the manufacturer of the original glass, check the DOT (Department of Transportation) number on the glass in the car. If the DOT number does not belong to the OE glass supplier, then the part was a replacement. If the number does match, then check the date code on the glass. Most manufacturers mark the monogram with a means of identifying the month and year of glass production, sometimes even the date and shift! Since each company does it differently, you'll have to contact the appropriate manufacturer for their date code conventions, which can include combinations of letters, numbers or even dots over various letters. By comparing the date of the glass with the date of the car assembly, you can determine if they are the same vintage. If the glass date closely matches the vehicle assembly date, chances are the glass is original.

Which side of the vehicle is the right hand side? The RIGHT hand side of the vehicle is the PASSENGER'S side of the vehicle. The DRIVER'S side of the vehicle would be the LEFT-hand side. Rule of thumb, right and left sides are determined by picturing yourself sifting in the car.

When should a non-conductive adhesive be used? If the adhesive will contact the antenna or defroster lines when the part is installed, use a non-conductive adhesive. Non-conductive adhesives prevent interference with antenna systems and heated defroster systems that are contained in the glass. Many new glass parts have the antenna, defroster connections or buss bars around the edge of the glass in the same area that the adhesive is applied to install a glass part. Using a conductive adhesive will affect the performance of the electrical system. Several adhesive manufacturers offer a non-conductive product for these glass applications. Be sure to follow the manufacturers specific instructions for the adhesive system you use.

How do installation methods cause stress cracks? Installation related cracks usually result from a short cut out method, where all of the old urethane bed is not removed prior to installation. If the shape and form of the new glass is not identical to the old urethane bed, the glass could have spots of interference on the adhesive that lead to breaking. Installation related stress could also be formed by using adhesives that are too rigid and do not offer the compression and flexibility required of the adhesive system. Usually, installation related stress cracks would develop over time after the adhesive has been allowed to fully cure.

What is tempered glass? Tempered glass is a single piece of glass that is strengthened through a rapid cooling process. This cooling process tempers the glass by blasting both the top and bottom surfaces with air. The outside surfaces of the glass cool faster than the core of the glass. This action sets up a balance of strains between the surfaces and the core which adds considerable strength to the glass. Tempered glass is difficult to break, but if broken it breaks into small granular pieces.

How are tempered parts made? Glass of the specified thickness is cut to the desired size. Any artwork or paint design is applied to the glass while it is in the flat position. This includes any heated grid lines or antenna lines required on the final part. The glass is loaded into a furnace and is heated to temperatures of 12,000 F. There are multiple processes that could be used to bend the glass as it exits the furnace including roll.

How much force is required to break a tempered backlite? While the strength of tempered glass can seem very high, it is important to recognize that the manner in which tempered glass is broken will affect the strength. Tempered glass is extremely difficult to break with dull, blunt objects. Tempered glass can have a rupture strength of up to 24,000 pounds per square inch. Recall that tempered glass is produced by rapid cooling of the outside glass surfaces which sets up a stress / strain balance.

Why do the heated grid lines on heated backlites sometimes have a redbrown color and other times have a yellow color? The color of the grid lines is predominately determined by the surface of glass that they are printed on. The lines will have a dark appearance when printed on the tin side of glass. The lines will have a brighter yellow or amber color when printed on the air side of glass. Other colors, such as white or light gray, may indicate a potential manufacturing problem with the heated grid lines such as an under fired condition or too much silver. These can result in a heated backlite that does not function correctly.

Is it a defect to see discolored spot patterns on tempered glass? No, the discolored spot patterns on a piece of glass are actually a phenomenon of the tempering process. During tempering, air is forced onto the glass through hundreds of nozzles. The spots are areas where the cool air contacts the glass. The temper spot pattern can indicate how well a piece of glass is tempered. The size and consistency of the discolored areas will vary with the exact process used, but they are present on all tempered parts. The ability to see these patterns is dependent on the angle 'of installation and the lighting conditions. For example, it is easier to see the patterns on a sloping piece of glass at dusk than it is to see them on a vertical piece in bright sunlight.

What is an Innershield? The innershield is a layer of plastic on the innermost piece of glass which was most commonly used on the windshield. The innershield prevented lacerations on an occupant's head and face if they came in contact with the windshield in the event of an accident. The innershield was a popular option on deluxe vehicles about ten years ago.

How is a shadeband put into a windshield? The shadeband is pre-tinted onto the plastic that is placed between the glass plies. The plastic comes in rolls and one end of the roll has the shade color. During processing, it may be required to warp the plastic to curve the shadeband so it will match the curve of the top of, the windshield. After warping, the plastic is cut to size and it is ready to use.

What is delamination? Delamination is the separation of the glass plies and plastic layer in a laminated product such as a windshield. This is also known as an unbonded area (UBA) or an oil blow. Old autoclaving process used hot petroleum to laminate windshields and the oil could seep into the edges causing the windshield to delaminate.

What is bullet proof glass and how is it different from bullet resistant glass? Bullet proof glass is glass that will stop a bullet. Any bullet. To make a glass bullet proof, every type of bullet from every type of gun must be taken into consideration during the design of the glass. Bullet proof glass is actually a composite of glass and plastic layers laminated together to achieve a strong composite that will stop a bullet. Bullet proof glass will be three or more inches thick. Bullet resistant glass is designed for applications with a resistance to a range of specific bullet calibers. Bullet resistance glass can be obtained in a 3/4 inch thick composite of glass and plastics laminated together. On vehicle applications, the environmental end use is considered for the glass design. If a vehicle is outfitted with bullet proof or bullet resistant glazing, all the interior trim must also be reworked to accommodate the thicker glass.

What are stress cracks? Stress cracks are breaks from the edges of laminated glass, such as a windshield, that happen without an impact point or noticeable damaged area. While this phenomenon can occur with seemingly no apparent cause, there are however, two major factors that have a role in creating stress cracks. The stress crack can be caused by a manufacturing defect within the glass or it can be attributed to the installation methods.

How do glass defects cause stress cracks? Stress cracks can occur if the two plies of glass used to make the laminated part are not completely homogenous with each other. Stress cracks can be a condition of tension or compression that exist within the glass. Stress can also be caused by incomplete annealing or temperature difference between the plies. Manufacturing processes include multiple quality checkpoints for every individual part during production to identify and eliminate defective parts. Even so, it can be difficult to predict a stress crack due to manufacturing conditions.

I have often heard of a windshield surface referred to as the number 1, 2, 3 or 4 surface. What do these numbers mean? The windshield surface number refers to the glass surface of the individual glass plies in the laminated composite. A basic windshield construction is composed of two pieces of glass with a plastic layer in between. The surfaces are counted from OUTSIDE the vehicle. Therefore, surface number 1 is the outside surface of the exterior glass piece that would be exposed once installed in the vehicle. Surface number 4 is the innermost surface which would be on the interior of the vehicle once installed. Surface number 4 is the surface that is prepped with primers, cleaners and or activators required for installation. Surface # 2 and 3 are interior surfaces that are in contact with the plastic.

What is laminated glass? Laminated glass is constructed of two pieces of glass with a piece of plastic in between the glass plies. One type of plastic innerlayer used is PVB or polyvinyl butyral. Laminated glass is required to make windshields in the US.

How are windshields made? Two separate pieces of glass are cut to size. While the glass is flat it is printed with the artwork design (frit) that's required. The glass is put through a furnace to soften the glass and fire the frit to the glass surface. Once the glass reaches the right temperature, it is molded into shape and then cooled. After shaping, the glass / plastic / glass sandwich is put in a clean room and then put into an autoclave. An autoclave is like a giant pressure cooker. The high pressure squeezes the glass and plastic together. The higher temperature softens the plastic, which bonds the glass and plastic layers together. Once the glass exits the autoclave, any excess plastic is trimmed and the mirror mount is applied to the glass. The glass is inspected and cleaned several times throughout the entire process to make sure it has been manufactured to the highest quality standards. After a final inspection, the finished part is now ready to ship.

What is the Breakaway Bracket? Several new GM and Ford windshields have a Breakaway Bracket. This refers To the mirror button on the windshield. This style mirror button allows the rearviewmirror to snap off when the passenger air bag is deployed. If the rear view mirror did not snap off, there is a possibility that the mirror could puncture the air bag rendering it ineffective. The accessory tool used to remove these snap off rearview mirrors is the MB-4. TIP: Put Breakaway rearview mirrors back on the glass before installing the windshield. This will prevent moving a newly installed windshield out of place with the force required to snap the mirror on the glass.

How is a windshield glass molded into shape? There are two common practices for shaping a windshield, gravity bending and press bending. Gravity bending has been used longer than press bending. For gravity bending, two pieces flat glass ride through the furnace on a mold contoured like the finished part. As the glass softens, the force of gravity pulls the glass into shape. This pair of gravity bent glass is then kept together throughout the rest of the windshield process. In a press bending operation, the single lites of glass go through a furnace on a flat surface of high temperature resistant rollers. As the glass exits the furnace it is quickly pressed into shape between a male and female mold contoured like the finished product. The glass is then cooled and moved to the next process.

How can I determine if a diversity or non-diversity antenna backlite is needed? The diversity antenna will use a combination of antennas in order to perform efficiently. Most diversity-antennas are offered with vehicle upgrade packages. A standard car model may only have the mast antenna, whereas the deluxe luxury package may incorporate a diversity antenna in the backlite with the mast antenna. How to determine the need for a diversity antenna will differ depending on the vehicle. The current Toyota Camry has extra speakers (6 total) on the vehicle that uses a diversity antenna and only 4 speakers on the vehicle that uses the non-diversity antenna.

Can an antenna or heated backlite clip be reattached to the glass if it has fallen off? Clips, or tabs, can be reattached to the glass. In order to determine if the connection is repairable, the surface of the glass must be evaluated. If there are any chunks of glass (called spalls) missing from the surface, the repair should not be made and the glass should be replaced. Spalls will weaken the glass and could eventually result in glass breakage. Next, select the adhesive to be used to reattach the clips. There are a few companies that manufacture a conductive adhesive system that can be used to reattach the tabs. The adhesive must be conductive so it will allow the electrical current pass between the lines on the glass and the vehicle. Follow the manufacture's directions for the repair. Regular super glue adhesives will not work because they are non-conductive. HINT: Be sure to clean both the glass surface and the clip surface of old debris. Also, let the repaired part sit for the recommended cure time so the adhesive bond is fully developed.

Will a broken heated grid line on a backlite affect the operation of the antenna? Many new radio and cellular phone antenna designs are incorporated into the heated grid design in the backlite. If a heated grid line is broken it will affect the performance of the antenna. The line break will become more noticeable with the general public as diversity antennas gain popularity and reduce the need for traditional mast antennas. There are aftermarket grid line repair systems available which can restore both the heating and the antenna characteristics of the grid line.

What is a Rain Sensor windshield? Several vehicle manufacturers, including Cadillac, Mercedes Benz and BMW, are now offering Rain Sensor windshields. The rain sensor is actually a small electronic device mounted to the inside surface of the windshield. The device has a lens that will detect the presence of moisture on the outside surface of glass. When moisture is present, a signal is sent to the wiper control that automatically activates the windshield wipers. This a great safety option for those misty periods when a driver is passing trucks and road spray hits the windshield. The windshield wipers will activate without the need for the driver to remove his hands from the wheel or his eyes from the road.

Does the rain sensor module come on the replacement windshield? No. At this time, none of the rain sensor designs require the sensor to be applied by the manufacturer on the replacement windshields. The electronic sensor that is on the existing windshield in the car must be removed and re-mounted onto the replacement windshield.

How is the rain sensor attached to the replacement windshield? There are special re-attachment kits for the replacement industry, available through your local Car dealer, which can be used to re-attach the electronic rain sensor to the new windshield. The Cadillac kit consists of tape, cleaners and primers for replacing the Cadillac module. The Mercedes / BMW kit contains the tape and a new lens. Instructions for application are included in all the kits.

Is it normal for HUD display to appear faded in bright light conditions? Bright sunlight or high glare conditions can result in a dimmer display of the Head's Up display. It is normal for a HUD to appear brighter at night in darker conditions that during the day under full sun. It is not normal for the HUD to completely disappear. If the display is fading when the car changes momentum, such as when turning a corner or accelerating, then the problem could be a system defect and it's recommended that a dealer check out the electronics. There is nothing in the windshield to cause the display to fade or appear less intense.

What is a diversity antenna? A diversity antenna combines the reception from several individual antennas on the vehicle that makes it a very efficient antenna system. The definition of diverse means different, therefore a diversity antenna in a backlite is one that could Work with the mast (pillar) antenna mounted to the car. The two different antennas work together to achieve superior AM / FM radio reception. The 1998 Cadillac Seville has a diversity antenna system that consists of an antenna in the windshield and antenna in the backlite that work together.

What is a non-diversity antenna? A non-diversity antenna system relies on only one antenna for radio wave reception. Several examples of non-diversity antenna include 1) a mast antenna mounted to the vehicle 2) an antenna printed on the backlite or 3) a set of wires mounted into the windshield. A non-diversity antenna will not be a combination.

Can a break in a HUD (Heads-Up-Display) windshield be repaired or must it be replaced? A break in the HUD windshield can be repaired like a normal non-HUD windshield. If the repair area is in the HUD image area, a repair may interfere with the image causing a double or distorted image. Therefore, consideration is required to determine if the type and size of break is repairable without HUD interference.

Passivated glass refers to chemically coated glass. Many automotive glass parts are coated to achieve either the solar control characteristics or the privacy features. The coating can usually be detected by the reflective, mirror-like appearance. Sometimes these coatings will also have a color associated with them and can make the glass look blue, pink or amber. The solar coatings are used to filter out the sun's ultraviolet and infrared wavelengths while the privacy coatings filter out visible light wavelengths. The wavelengths that are filtered out by coated glass, include the wavelength spectrums that CB radios, cellular phones, automated toll readers and radar detectors operate on. Therefore, the chemically coated glass can interfere with the operation of electronic devices that require a glass-mounted antenna.

What type of glass is recommended for a glass-mounted antenna? Glass that is referred to, as BATCH glass is compatible with glass mounted antennas. Solar and privacy batch glass is not coated like the passivated glass. Instead, the raw materials that give the glass its solar or privacy characteristics are added at the time the glass is made. The raw materials are melted right in with the sand and other components that glass are constructed from. Once the glass has been made, it would not need any other treatments prior to fabrication into automotive glass parts. Batch glass is uniform throughout the thickness of the glass. Coated parts are surface treated; the surface has different properties than the core of the glass.

Are there any special hints for re-attaching the rain sensor? Make sure the glass is very clean prior to attaching the sensor. The performance of the sensors depends on the optically clear grades of doublefaced tape used for reattaching the units. These tapes also need to be clean and free of bubbles when applied to the glass. Any impurities that may be present will give a false signal to the rain sensor causing it to activate unnecessarily.

What does the term "Auto-Cancel" refer to in the NAGS catalog? The Auto Cancel notation means the electrical input to the heated backlite design is automatically canceled after a specified time and / or temperature. Most heated backlites made today are for automatic cancellation systems. However, there are a few parts such as the Isuzu Trooper backlites where a different glass heated design is required for the automatic vs. the manual systems. For example, FB4815 is for an automatic cancellation heated grid system whereas FB4816 is for a manual cancellation heated grid system. 8-What is the difference between a heavy-duty heated backglass and a standard heated backglass? The heavy-duty back glass is rated for higher amperage. The Heavy-Duty (HD) designation is predominately used on foreign cars such as Honda and Toyota vehicles. Normal domestic vehicles were rated for 22 amps whereas heated backlites in Asian vehicles were generally rated for 11 amps. Amperage relates to speed of performance. The higher the amperage, the faster the backglass will heat and clear the frost from the glass. To accommodate the US market, many foreign car manufacturers developed the HD back glasses to offer compatible defrosting performance in the US. The heavy-duty backglass are an upgrade, but it does not interchange with the standard design.

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Can You Sue a Car Dealer For Excessive Hard Credit Inquiries?

I came across this question, "Can I sue a car dealer for excessive hard credit inquiries?" when reviewing search terms on my blog and thought this is a good topic for further discussion.

First Of All, What Is A Hard Inquiry?

There are two types of credit inquiries, hard and soft.

A hard inquiry is a credit inquiry pulled for the purpose of obtaining credit. These types of inquiries are usually pulled for things such as a home, auto or personal loan. Landlords and tenant screen services credit inquiries are also considered hard inquiries.

A soft inquiry is a credit inquiry requested for informational purposes. If you request your own credit through a site such as AnnualCreditReport.com, this is considered a soft inquiry and does not deduct points off your score. Additionally, creditors whom you currently do business with can pull a soft inquiry to do an account review and evaluate your current credit worthiness. Offers for "pre-approved credit are not counted as hard inquiries. Credit inquiries for insurance and employment also fall into this category, as they are not made for the purpose of granting you credit.

How Many Points Can Be Deducted For A Credit Inquiry?

o Each "hard" credit inquiry (meaning the consumer has applied for some form of credit, prompting the creditor to check the credit report or score) that is counted normally subtracts no more than five points from a person's score.

Auto Loan Inquiries

Auto loan and home loan inquiries are treated a little differently since 2004. Due to the fact that most folks like to shop around for both home and auto loans, the credit bureaus recognized the fact that each inquiry was having a negative impact on credit scores because of the multiple pulls. This practice was hurting the consumer's credit score and not allowing the consumer to shop around for the best rates and terms.
So, Fair Isaac changed the rules a bit for Auto and Home Loan credit inquiries:

o The credit-scoring model recognizes that many consumers shop around for the best interest rates before buying a car or home and that their searching may cause multiple lenders to request their credit report. To compensate for this, multiple auto or mortgage inquiries in any 14-day period are counted as one inquiry.

o In the newest formula used to calculate FICO scores, that 14-day period has been expanded to any 45-day period. This means consumers can shop around for an auto loan for up to 45 days without affecting their scores. But the old 14-day rule might still apply at some lenders that are not using the new version.

o The newest FICO version went online at all three credit agencies – TransUnion, Equifax and Experian – in 2004, Typically it takes lenders months to adjust their processes so they can accommodate revised formulas – and some lenders never adjust.

o The FICO score ignores all mortgage and auto inquiries made in the 30 days before scoring. If you find a loan within 30 days, the inquiries will not affect your score while you're rate-shopping.

How To Avoid Multiple Hard Auto Inquiries

If you want to avoid multiple hits to your credit while you're shopping for an auto loan, you'll need to set aside a two week period to completely concentrate on getting your financing in place.

o Find Out What Your Credit Score Is :

In order to shop for a loan without being dinged for multiple credit inquiries, you'll need to know what your credit scores are. This will also help you to determine whether you are "bankable" or if you're going to have some difficulty getting financing.

You can get an estimate of your FICO Score to give you an idea of ​​the current range of your scores, or you can purchase a 3-in-1 Report with FICO in one easy to read report for just $ 39.95 so you'll know exactly what your credit scores are.

o Get Pre-Approved At A Bank :

Now that you know what your credit scores are, call around to local banks in your area and ask, "What is the minimum credit score one needs to have to be pre-approved for an auto loan?"

If you know that your credit scores fall into their "approval guidelines", then ask what are their interest rates and terms, such as how much down payment are they going to require.

Once you've determined the lender with the most favorable terms, go into that bank and apply. Some banks even have an 800 Phone Loan Center or on-line application process available so you do not have to go anywhere.

Once you have been pre-approved by the lender of your choice, you normally have 30 days before the pre-approval expires.

If you decide to go this route, not only are you getting the best interest rate around without generating multiple credit inquiries, but you'll also find out how much you're approved for, which will make shopping for an auto easier in the long run.

o Getting Auto Financing If You're Not "Bankable"

If your credit scores fall below what you've found to be "bankable", you're going to need to find financing elsewhere. There are several ways you can do this.

1. You can go through an on-line Vehicle Financing Network. These networks have access to multiple lenders and their guidelines. They will have to pull your credit in order to find out what your scores are themselves, but then they have access to many auto loan financing companies specializing in consumers with "less than perfect credit". Once they've determined which lender you have the greatest chance of being approved with, they'll forward your application along.

2. Go auto shopping and when you find the car you want, the dealership will be more than happy to submit your loan application to multiple lenders. Remember, if you decide to go this route, you have 14 days of unlimited credit pulls to count as 1 pull.

If you continue to do this month after month, you're going to see about 5 points deducted off your score every time your credit is pulled.

The Answer To The Original Question – " Can You Sue A Car Dealer For Excessive Hard Inquiries?"

Civil liability for knowing noncompliance: "Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $ 1,000, whichever is greater. "

What this boils down to is ….. READ WHAT YOU SIGN! If you applied for financing with a car dealership, then you must have filled out a loan application. Did the paperwork that you signed say that they would submit your application to multiple lenders?

If you did not grant them permission to pull your credit, then you may have a case to sue for $ 1,000, but in my view, it's going to be way more hassle than it's worth. The easiest way to handle the situation to your benefit, is to dispute the inquiries with the credit bureaus that are reporting them.

If the creditors that pulled your credit can not prove "permissible purpose", then the credit reporting agencies will remove these inquiries. If the creditors come back stating they had permissible purpose, you have every right to ask them for the documentation to prove it. Again, if they can not come up with that documentation, the credit reporting agencies will have to remove the inquiry.

Once the inquiry or multiple inquiries are removed, you should see an increase in your credit scores. It's a tiny bit of work on your part, but way easier than trying to sue for $ 1000.00.

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How I Leased a $ 60,000 Car For Only $ 111 a Month and Why I Think Dealer Leasing is Dumb

The rational behind leasing a car is simple; you basically rent the car for a period of time then drop it off when the lease expires without any obligation (generally if the car is clean) or further costs.

What you are doing is paying for the depreciation of the vehicle during the lease. So, if a car is new and worth $ 50,000 today and in 3 years it's expected to be worth $ 30,000 then you as the lessee basically pay the depreciation of the car over the 3 years to the lessor and get a new car every 3 years.

Seems simple and smart, right? Wrong, I am going to show you a better way drive cars if you can raise a lump sum of money. For me it was obvious, I am in the business of raising lump sums of money to settle debt.

So a BMW M3 Cabriolet (convertible) is a gorgeous car, it's a driver's machine and is truly sublime. A few years ago, and after several years of very frugal living and driving cheap cars my accountant talked me into spending some money. And that was tough for him to do; after all he is the guy that told me cars are a colossal waste of money.

It was 2006 and I was looking for a 2003-4 M3. These cars were selling for $ 80,000 + brand new. I always buy used and private; for 3 reasons:

1) Let someone else pay the depreciation in the first couple of years

2) Dealers usually lie and just tick me off

3) You can usually negotiate a better price with private sellers.

In 2006 used M3 Cabs were selling for $ 50,000 – $ 60,000. A 2003 Imola red M3 Cab for $ 46,000, with low miles really caught my eye. It was cheaper then the rest and red was a rare colour on these cars; She looked stunning.

So I checked it out, drove it and was really impressed. It was my first real experience in a premium German car and I was sold hook, line and sinker.

There was a catch. It was a US car. No big deal right? Wrong, the car had not sold for a reason. It scared buyers. The owner had imported it as a "salvage title" meaning it had been written off in the US. But he had paperwork (albeit dodgy looking but, I verified it) to show that in the State of New Jersey when are car is stolen and written off, and the vehicle later recovered it gets a "salvage title" because the owner was already paid out by the insurance company.

In other states a salvage title means the car was written off in an accident. Salvage titles can not be sold in the US again. So it was not in an accident like most people would normally believe and everything including the VIN checked out on the Carfax report. In fact the car was in flawless shape and found by authorities in a shipping crate ready to go across the Atlantic. It was sold at an auction by the insurance company to my seller.

So the next step was to negotiate a final price. I knew the car was up for sale for almost 6 weeks because I was following the used car ads. That told me the seller was having a difficult time unloading the car because of its history. So I told him, "regardless of the asking price, this car would be very tough for me to unload when I needed to get out of it", and he knew it was true. I offered him $ 38,000 and after some negotiating we settled on $ 40,000.

I got a car everyone else was selling for $ 60,000 or more with lower miles (only 35,000 miles when I got it) for considerably less.

I enjoyed the car for about 36 months, put on another 30,000 miles and sold it for $ 36,000 (I fully disclosed the history to the buyer), my cost to carry the car for 3 years was only about $ 111 / m in depreciation to drive a premium German automobile.

Comparable used cars were leasing for about $ 900 / m with $ 5,000 down at the time I bought mine.

That's how I like to buy cars. It's easy and do not be afraid of private sellers and cheap car ads, check them out; sometimes there is a good reason behind it and nothing really to worry about if you do a little homework and dig deeper.

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Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, "insurance specialist" will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views "insurance agent" look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance pro

39. 65,100 = insurance sales rep

40. 60,000 = insurance designer

41. 59,400 = insurance sales person

42. 55,600 = life consultant

43. 54,500 = group agent

44. 52,200 = ins agent

45. 50,100 = estate adviser

46. ​​50,000 = insurance pros

47. 46,800 = insurance counselor

48. 43,800 = financial pro

49. 43,400 = insurance salesperson

50. 40,200 = insurance sales specialist

51. 37,700 = life producer

52. 37,000 = insurance sales executive

53. 35,400 = independent insurance brokers

54. 34,700 = long term care professional

55. 34,500 = financial planning advisor

56. 33,900 = medical insurance specialist

57. 31,300 = health insurance professional

58. 29,300 = life insurance expert

59. 29,000 = insurance rep

60. 28,900 = financial planning advisor

61. 27,500 = health insurance specialist

62. 26,000 = health insurance advisor

63. 25,500 = independent insurance professional

64. 24,700 = employee benefits specialist

65. 24,000 = life advisor

66. 22,900 = life insurance advisor

67. 21,800 = life insurance sales specialist

68. 19,900 = life insurance professional

69. 19,300 = insurance producer

70. 19,200 = licensed financial planner

71. 16,200 = health insurance producer

72. 14,900 = insurance sales consultant

73. 14,000 = term life insurance broker

74. 12,800 = long term care specialist

75. 12,700 = annuity specialist

76. 12,500 = estate planning specialist

77. 12,200 = insurance marketer

78. 11,950 = life insurance representative

79. 11,900 = insurance planner

80. 10,600 = insurance sales professional

81. 10,400 = life insurance advisor

82. 10,200 = insurance writer

83. 9,650 = insurance recruiter

84. 9,480 = financial planning advisor

85. 9,030 = estate planning advisor

86. 8,570 = annuity broker

87. 7,520 = insurance general manager

88. 7,070 = insurance trainee

89. 6,800 = long term care insurance specialist

90. 6,670 = term life insurance agent

91. 6,440 = long term care insurance agent

92. 5,870 = licensed life agent

93. 5,300 = financial insurance agent

94. 5,270 = annuity agent

95. 5,080 = ins professional

96. 5,030 = medical insurance professional

97. 5,010 = disability insurance agent

98. 4,990 = employee benefits professional

99. 4,430 = mortgage insurance agent

100. 4,200 = disability insurance specialist

101. 3,900 = long term care agent

For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.

If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.

Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing "insurance agent for many products", try this, "medical insurance professional and disability insurance specialist." Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an "insurance agent" search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.

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Advantages and Disadvantages of Long Term Care Insurance

Should You Buy Long Term Care Insurance?

Most people start thinking about the possibility of needing nursing care asf they hit middle age. Many have family or family who needed home health care, assisted living, or a nursing home. At this time, people learn about the high cost of long term care, and they wonder how it gets paid for.

Consider this. Full time nursing homes can cost $ 50,000 a year or more. Home health care may not be that much less, depending upon the amount of services needed. Assisted living facilities cost less, but may still be a lot more than it costs to live on your own. And the government estimates that 40% of people who turn 65 will need some sort of nursing care during retirement years.

How does this get paid for? Medicare, the federal health insurance for seniors and disabled people, only pays for short term care. Medicaid does pay for nursing homes, and in fact pays for half of all of thee costs in the US. But in order to qualify for Medicaid, a person has to deplete most of their assets.

So some people purchase a long term care insurance (LTCi) policy because they want to protect their savings in case they need to go to a nursing home. There are also alternative ways to plan for this which other choose. And many people have not done any planning at all.

Disadvantages of Long Term Care Insurance

Who do some people choose LTCi alternatives? Why do many people do nothing? Look at some things that they may consider.

Insurance exists to manage risks. When you purchase an auto insurance policy, you hope you will not have to use it. With most LTC policies, it is the same. You could pay premiums for years, never need it, and get nothing out of your policy except the security of knowing you have it. Some LTC policies may have a return of premium feature but it is not common.

LTCi policies are complicated, and there are many different types. Some are more useful and flexible than others. So some types of coverage may not help you for the particular situation you are in. For instance, you may have purchased a policy that only covers a nursing home. But an illness may only require adult day care or home health care. Again, some policies will cover different types of care so you, or your family, can make a choice when the time comes.

Premiums are lower for younger and healthier people, but can go up over time. If you can not afford to pay premiums when you get older, it will not do you any good if you have to discontinue coverage. You have to make sure that you can afford the policy.

Advantages of Long Term Care Insurance

Of course, a lot of people do think LTCi is a great choice to make sure they have protected their assets .. And some features may even help them before they ever need to use it.

Some policies are tax deductible. Tax qualified plans can be deducted when you file taxes now. This makes the real cost of premiums lower than the price a company charges.

Assets are protected. If you want to preserve a lifetime of savings for yourself, your spouse, or your heirs, long term care is one obvious way to do this. With the right policy, you will not be forced to spend down your entire estate before you qualify for Medicaid.

You will have choices. Not every nursing facility or provider accepts Medicaid. You will be able to choose your private nursing home, assisted living facility, or home health care provider without worrying if they accept Medicaid payments. Some policies even offset the cost of care that is provided by family members.

How to Shop For Long Term Care Policies

It is important to understand how various policies work, how much they will cost, and which one will be the best plan for you. An experienced insurance agent can help you. You can also start looking by using a convenient online long term care insurance quote form. This will allow you to see competitive policies that are sold in your own local area.

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New York Life Insurance Company Career – New Personal Financial Representatives Doomed?

New York Life Insurance Company is large and successful. If you think life insurance careers are easy, think again. If you think personal financial representatives are entry level careers, you are doomed. Want the true facts about life insurance careers and personal financial representatives? Read this article.

I remember that years ago 15% of the women entering life insurance careers were women. Today with some career life insurance companies like New York Life Insurance Company that figure is now approaching close to 50%. Moreover, in a business already flooded with far too many male and female life insurance agents, their recruiting figures are up. This is a marketing scheme. Change the name to possible applicants from life insurance agents to financial representatives and suddenly an image of prestige and easy money appears. However, ask yourself why the insurer's name is New York Life Insurance Company and not New York Financial Company. It is just a name game.

FACTUAL INFORMATION Recruiters of insurance agents or so called personal financial representatives have hardly been able to increase their retention rate during the first year and a half of the new recruit's career. 10 years ago, 86% of newcomers left life insurance selling during their first 18 months, now that figure is 85% leaving, 15% remaining. After four full years of gaining experience, only 7% remain, and gender is not a factor.

Why does a highly respected company like New York Life Insurance Company hire over 3,500 reps in 2008? Their figures show appointing around 3,200 in 2007, and expecting 2009 to produce 3,500 new financial representatives to train. To me that adds up to 10,200 inexperienced reps in 3 years. Does anyone logically look at the numbers? This financially solid company founded in 1845 has a total agency force numbering slightly over 11,500. 90% of these are certainly are not newer financial representatives. The common interpretation of new hires retaining a lasting career is False. My analytical studies of New York Life Insurance Agents indicate slightly elevated retention than others. A similar insurance provider loses at least 70% of their first year agents.

New York Life Insurance Company still has poor retention rates. However, during the past 10 years they have implemented a strategy few of their competitors have not been as successful at imitating. That strategic method means recruiting agents, "financial representatives" with a keen emphasis on a wide diversity of cultural backgrounds. This a rapidly expanding area underserved by agents possessing the same nationality and ability to speak the language. This strategy involves personal representation into Chinese, Korean, Vietnamese, India, Asian along with Hispanic and African-American and other cultural residents.

Even though New York Life Insurance Company recruits excessive numbers of agents, to result with the skilled few, this is the same numbers game practiced by competitors. Factually, it is a profitable tradition for the insurance provider, as departing agents sacrifice 100% of premiums collected to the company. To the credit of New York Life Insurance Company is this distinction. For many years, they hold the prestigious recognition of having the most MDRT, million dollar roundtable members. This does not mean making anywhere near a million dollars. However MDRT selling principles and premiums are adjusted yearly and strongly enforced to make sure qualifying is left to many of the best of the best.

A new agent is not a financial representative . This is where calling a new agent a financial representative or financial advisor, hurts all the truly experienced and knowledgeable professional personal financial representatives and planners. New York Life Insurance Company mentions on their website regarding new recruits the opportunity to provide vital insurance protection and financial advice. Be honest here. An agent trainee is barely able to properly perform prospecting and life insurance sales effectively. This explains why industry turnover is so great. Selling life insurance to cover death expenses or pay off a mortgage is a far cry from providing the accurate financial advice of a professional. Likewise obtaining a variable contract license to sell investment products does not mean an agent has the ability to do so properly.

A true financial representative must be very qualified to give advice. This often means meeting semi-wealthy to wealthy prospects and advising them how to lay out their entire financial situation. The planning could involve rearranging hundreds of thousands of dollars of assets. Given the economics of the near past, even some of the best financial planners have been given the cold shoulder by clients seeing their wealth accumulation slashed in half. New York Life Insurance Company certainly has some of the best experienced financial representatives in the business. However, most of these pros average 10 years of continued education and specialization while earning various designations as proof of their abilities.

An agent trainee is in the wonder years . Just selling enough insurance to survive the critical beginning years is a challenge few can master. Taking agents living in a $ 45,000 income area environment and getting them in front of million dollar clients is truly throwing them in the furnace to be burned. All salespeople have a comfort level of selling starting with prospects close to their own level. After sales skills and product knowledge, this level gradually increases. Few new agents comfortable with clients making $ 50,000 a year can quickly adapt to working in the $ 200,000 + yearly income bracket clientele. Ordinary middle class Americans do not need a financial representative, the service of a hard working life insurance agent will do fine.

Can a new financial representative make it? Although New York Life Company provides quality training, it can not guarantee success. My previous insurance career and 25 years as an insurance advisor analyzing mountains of agent data says NO. However if a rep already has most of the following qualities or characteristics I could be convinced to say a 50/50 chance at best. You must enter the business in good financial condition, no loaded up credit cards, and hopefully a decent nest egg. If you have the ability to speak fluently a second language and are going to concentrate on your ethnic group that is a plus.

You must realize the average insurance agent earns around $ 25,000 yearly in the early stages, so you have to view this career as a step building process. Very few insurance agents or financial representatives, percentage wise, earn $ 100,000, especially during their initial four years. While product knowledge and most selling skills are learned over time, other career makers must already exist. An extraordinary dose of never-ending determination to break the odds, backed up with phenomenal self-confidence, plus a lack of fear and rejection are required prerequisites. Add to this the ability to take everything you are initially taught as a grain of salt and then revise it to perfection.

Never are you in the business as a company representative, you are in business for yourself. Financial rewards only come to those that separate themselves quickly from the failing masses. IF you still really feel you have what it takes after reading this article, a New York Life Insurance Company Career could become a reality.

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Auto Body Repair Estimates Demystified – The 5 Most Common Items on a Repair Estimate

So you've decided to get an estimate from a local body shop. These days, most body shops will use a computerized estimating software to write your estimate. If the shop you have chosen does not use a computer to write your estimate that should be cause for concern. This is not meant as a jab at those long time owners and technicians and I am not implying they are "backward" or "luddites" or ignorant. Its more for accountability. Computerized software is now standard in our industry and insures a more uniform, unbiased and accurate appraisal for how long things take to repair. For instance, I was talking to a shop owner just a couple days ago who was remembering with fondness the good old days when he would routinely get 15+ labor hours to repair frames on cars that nowadays he only gets 4-5 hours on. The truth is however that 4-5 is the more accurate and fair rate (depending on the job of course it could be more or less). And since consumers and insurance companies are billed by the hours on an estimate the old days of falsely inflating hours are gone.

When it comes to auto body repair the vast majority of line items on an estimate will be one of 5 things:

1. R & I. This is shorthand for "remove and install" and means to take something off your car and then to re-install it later. Parts that are not damaged may need to be temporarily removed to access another part that was damaged or more often so the panel it is taken off of can painted properly. For instance, say your electric motor for your window stops working. The interior trim panel will need to be temporarily removed for to gain access to the motor to see if it can be repaired (not likely!) Or replaced. Or perhaps a molding needs to be removed from your door before it is painted only to be put back on later when the paint dries. One caution here is that if panels are being painted and you're not being charged for R & I the shop may be taping them up which can actually cause peeling or flaking months or years later. So do not be surprised if for instance a headlight needs to be removed to properly paint a fender. You should actually be more concerned if its not. FYI: R & I times are typically set to industry standards by estimating software and are not discretionary.

2. Repair. Repair (aka 'Rpr') is the most discretionary item on an estimate and typically the amount of time it takes to repair something will be underlined or asterisk-ed (*) to indicate this. This is where an insurance adjuster might say a dent will take 3 hours to fix and a technician might say it will take 4. There's no hard and fast rule here and this needs to be negotiated between insurance adjusters, shop estimators and possibly even the technicians doing the job. My dad who has been in the industry almost 40 years taught me a long time ago that a dent which is about the size of a man's fist should take about 3 hours to repair. From there you can adjust up or done for various things like a body line that runs through the dent (add an hour) or the dent has no creases and is accessible from the inside and therefore can be mostly popped out (subtract time). The reason these times are so important is that insurance companies are paying shops based on the number of hours on the estimate.

3. Replace. Replacing parts, sometimes shorthanded to 'repl,' is not a discretionary item on an estimate and is governed by industry standards or what shop folks call "book time." If the book / software says it takes 3.5 hours to replace that bumper then that is what the insurance company will pay. No more and no less. It is pretty well standardized with only slight variations depending on which software is used and then it only differs by very little.

4. Sublet. Sometimes there are things that an auto body shop will send to someone else (typically a mechanic who takes care of more under the hood items) to perform and this is categorized as sublet. Popular things for shops to sublet out are air conditioner recharging and 4 wheel alignments when the suspension is damaged. The reason this is sent out typically is that the equipment and space required for these operations are not cost effective for a body shop. And when it comes to deeper engine repair, oil and paint do not mix! Oil and grease can quickly ruin a paint job. So, shops that say they can do "everything" typically can not do everything well.

5. Miscellaneous. Under this category will go small charges like "hazardous waste removal" (about once a month we pay someone to pick up and dispose of our hazardous waste in the safest way possible) and "car cover for overspray" which pays for paper, tape and plastic to cover the vehicle during the painting process so paint over spray does not go all over the windows or adjacent panels.

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Five Power Closing Techniques for Insurance and Financial Advisors

So, you have made it through the prospecting game. You made your cold calls, sent out your mass mortgage mailers, invited people to your coffee-sponsored seminars, you qualified responders as being serious prospects and have set the appointment.

Now what? You have done all this work, are you sure you are going to get their business? In this article are 5 closing techniques to help you solidify the deal and make the sale.

1. Quality Demonstration – If you are going to take the time to give a demonstration, be sure that you listen to your potential client's needs and interpretations of what they expect to get out of your appointment. There is nothing worse than explaining variable life insurance and all the different cash options and disability waivers … to find out they only have a budget of $ 50 per month. So, listen and then tailor your demonstration to focus on their needs and to solve whatever void they need filled. Do not get too wordy. The best demonstrations have few words, but are very poignant.

2. Small-closes – Throughout the demonstration , try to get periodic "buy ins" and acknowledgments that you are on track with solving their needs. Ask for their opinions, ask open ended questions; be sure to engage the potential client. If you can make many small closes throughout the sales process, then when it comes time to pull out the application, they will not be shocked or caught off guard. When they ask a question, re-state their question. This does two things: it lets the potential client know that you are listening to their concerns, but it also restates to them what they have just said is their need. So, when the time comes for you to discuss possible solutions, such as term insurance to cover the mortgage, or a wrap-around disability income policy to substitute the rest of their income, then they can not back out and say that it is not a concern.

3. Between 1 and 10 – This has got to be one of the greatest closing lines ever. It is easy to do, and it forces the potential client to sell themselves. When you have finished your demonstration, you simply turn to your client and ask them, "Between 1 and 10 … 10 being 'I am ready to fill out the application and never worry about how my family will financially survive if something should happen to me '… or 1 being' I wish you would leave my house right now '…. where do you fall? And no matter what they tell you, you ALWAYS answer, "Really, a" # "? Why so high? "Even if they tell you a" 4 "…. you answer," Really, a 4? I thought you would be a 3, you had your arms crossed and did not seem interested in anything I was saying. Why are you so high? What made you choose a 4? "

And then let them answer. Even with a low number, they will point out the features that they liked. They will point out the solutions that worked best. They will also tell you what they did not like … and then you can move forward from there. If they were turned off by the price …. them give them other options. If they were turned off by the fee structure of A-share mutual funds, then tell them about B or C shares.

4. Suggest / Recommend – This is not so much a closing technique as it is a phrase that sets you apart from others by presenting you as the expert. Think about the times you have heard people use this phrase with you. Typically most large oil changing stations will say at the end of their "12 point inspection", "I recommend you flush out your steering fluid or use a fuel injector cleaner". What happens is that, they are recommending this to you, which gets you thinking, "hmm … they are the experts, perhaps I should listen to them". Versus someone saying, "you NEED to do this." That phrase turns us off. "I do not NEED to do anything!" When you are sitting with a prospective client and you have finished your demonstration and they have agreed that they need to begin a college savings plan, or invest in a sound life insurance policy, the next phrase out of your mouth should be, "As your Financial Representative, I suggest we get started with ….. "or" I recommend that we ….. ". It sets you up as the professional that they will trust.

5. Take the sale away -This phrase sounds like the opposite of what you want to do, but rather than chasing someone for the sale, make them ask you for it. Statements like, "I do not even know if you will qualify for this …. why do not we fill out some of the medical questions to see if we should even move forward with underwriting." Or if they balk at the initial deposit to open a college plan or annuity, try saying, "You know what? Maybe you are right. This college plan does not seem like the right fit to help you cover the cost of your children to go to any school they want to …. why do not you check out state savings plans through the bank … I believe that enrollment period starts in 6 more months ". This gets the person thinking, "Well what is wrong with me? I want to fit in, I want to belong." When you push something, it moves away from you …. when you pull the same item, it comes towards you. Another move you can make … if someone says that the premium is more than they want to spend, you can always say, "you know what, maybe you are right, but why do not we go ahead and get you underwritten, see if you even qualify for this low of a premium, as you could come back rated. Then once you are approved, then we can determine which policy will work best for you. "

It takes a little time to change your thinking, especially when you are just starting out. But give it some time, and practice these steps. You will see clients becoming more attracted to you as a professional.

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