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When you think of California, surf, sand, and blue oceans come to mind. Water sports are popular pastimes among residents and visitors alike. If you are one of those people who love the water, proper insurance for motorized water craft is a must. Many California car insurance companies that insure your vehicles will also insure your toys. Before taking to the water, call your car insurance company and get rates for your boat or personal watercraft (PWC).

There are many different types of boats and California car insurance companies have different rates depending on what boat you have. It is a good idea to obtain insurance for all motorized watercraft. Personal non-motorized watercraft can be insured, but it isn't as important to do so. Insurance typically covers damages you are liable for when you make a mistake or have a loss due to fire, animals or other non-preventable incidences. If your boat or PWC is not worth a lot and not motorized, insurance is not needed, but if your boat has a high risk of injury or will cost a lot to repair/replace, definitely insure it.

Passenger boats are usually powered by motors and are bigger than a canoe. These boats usually can carry three or more passengers comfortably. Serious bodily and property damage can be done with these boats. At the very least, liability insurance should be purchased. If the boat is stored by a company during off months, ask them if your boat is covered if something happens. You may be able to save some money by dropping your insurance coverage during winter months if it is covered by the storage company's liability policy. States differ in their insurance laws and minimums.

Contact your California car insurance carrier for requirements and rates.

Personal watercrafts are used mainly for one or two people and can either have a motor or not. Waverunners and kayaks are good examples of PWCs. Canoes and kayaks normally do not need insurance coverage and many times are covered under homeowners insurance against fire or theft. Some PWCs can be dangerous or are expensive to fix and should be insured to offset these costs. Again, each state has it's own laws so make sure you call your insurance carrier, ask what the requirements are, and get a car insurance rate that reflects boat coverage.

When deciding whether to insure your watercraft, use good common sense. If the boat can do serious harm, it should be insured. Find out and abide by all state laws pertaining to insurance and usage. Keep in mind when traveling that all states have different regulations. Learn what they are before leaving on vacation.

Separate summary: Boating is relaxing and great fun, but can be dangerous. Abide by all rules and regulations of your state or the state that you are visiting. Be sure to have insurance coverage when needed. Your California car insurance carrier may be able to provide insurance for your boat also. The car insurance company rates could be lower if your other vehicles are carried by them also.

Check with car insurance rate providers for costs of boat insurance at http://www.carinsuranceguy.info Most California car insurance companies should be able to assist you

If there is one aspect that is very heard to manage in a company, it would actually be the sales force. This is because there are just so many aspects to consider here. But when you place this into context of insurance companies, then the task becomes all the more confusing and daunting. Thus, you can expect to have a bit of difficulty when you are plotting your sales insurance scorecard. And this scorecard would be comprised of KPIs or key performance indicators.

Now, a lot of people do not really think that a scorecard is really needed when it comes to measuring sales in insurance companies. But if you really think about it, it is inevitable to measure the sales performance of any company. And what more if this particular company belongs to the industry of insurance companies? After all, insurance companies do sell policies and packages to individuals and corporations all over the world. Thus, it would really make sense to measure how the insurance company is performing in terms of sales.

However, just like in any other industry, it is not really that easy to come up with a scorecard that measures the sales performance of insurance companies. The better way to do this is then to find the appropriate KPIs to use. Make sure to choose a few relevant KPIs to include on your scorecard. This way, you can effectively avoid the presence of too many KPIs, since this would just make interpretation and analysis more confusing.

These KPIs can be grouped into four perspectives, and this is actually the common practice of a lot of insurance companies. These four perspectives include Financial, Operational, Customer Service, and Education and Training.

The financial perspective is actually helpful in the evaluation of the financial aspects of the insurance company. The commonly used KPIs here include incentives as salary percentage, annual salary, percentage increase in training costs, and increase in profit per sales executive.

The operational perspective, on the other hand, focuses on the operations of the sales force. All aspects pertaining to operations would be grouped under this particular perspective. The commonly used KPIs include percentage of policies sold, percentage of policies renewed, percentage of policy lapses of missed payments, percentage decrease in employee turnover, and number of sales targets achieved.

As for the customer service perspective, KPIs can include the number of customer-focused products developed, the percentage decrease in customer complaints, the percentage of policies upgraded, and the number of referrals that are generated from existing customers.

The education and training perspective, meanwhile, pertains to the steps that are taken by the insurance company towards the improvement of the sales force's efficiency. Of course, you cannot expect an insurance company to forego investing on educating and training their existing employees. This is because all employees do need supplemental training from time to time. The commonly used KPIs here include number of motivational training sessions, number of training sessions, number of brainstorming sessions, number of feedback initiatives introduced, and so many more.

If you are interested in sales insurance scorecard, check this web-site to learn more about sales insurance dashboard.

When it comes to making money online, a lot of beginners will have problems setting up a website since not everyone has a computer engineer background like me nor are they are tech savvy. They want to make money online because they have kids to raise, want to have freedom from work and financial independence and that's it. They are just ordinary people. If you are struggling to build a website but want to Make Money Online, I Have Good News for You.

I have found some resources on the internet that basically, if you know how to type, edit and save a document using MS Word or some other word processors then you can build a website - It's called blogging. Blog is a word combined from web and logs. Basically people use to it to share thoughts, ideas and their stories with their friends, families and may be people around the world.

You can easily set up a blog by using some free online platforms like Bloggers and WordPress.com. If you want to know a step by step guide on how to set up those free blogs, you can watch my videos here on.

How Do You Make Money With Your Blog?

If you are serious about making money online with your blog and just started, I strongly recommend you get an eBook named "Atomic blogging by Alvin Phang".

I bought this book about 1 year ago and found that what Alvin suggested was practical and provided step by step details from setting up a professional WordPress blog to monetize it through Adsense and Affiliate Programs. It is surely a useful eBook if you are seriously want to make money online but don't know how to start.

So What Is This Atomic Blogging All About?

It shows you how to get a cheap domain, reliable and affordable hosting and set up your own WordPress blog. But why do you need a self Hosted Blog, you ask? Is it essential?

Well, those free blog platforms, blogger or WordPress belongs to Google and WordPress. If they decide one day, they are not going to offer you a free platform any more, or they think your blog is offensive or violates their terms of use; they have rights to shut it down. So for those who are seriously want to make a living online, please get a self hosted blog.

As I have already said not everyone is a tech savvy so that's why you need Atomic Blogging Version 2.

1. What About You Already Have a Blog?

Many people including me will ask a question, how to you get traffic to my blog? This is quite true especially you want to make money online. No traffic, no adsense clicks, not able to sell advertising space or affiliate sales etc.

Surely you can start an advertising campaign on Google, Yahoo or MSN and drive traffic. You can do that but the problems are (1) you have advertising cost, if you don't know what how those PPCs work, they can be very expensive. I have tried them myself so I know how expensive they are.

2. Once You Stop Your Campaign, will you still able to get traffic? The answer I think here is obvious.

So the best way to get traffic is using methods like SEO or so called referral traffics.

In Alvin's Atomic Blogging, he will show you blogging SEO tips and also drive traffic from various social bookmarking sites like Digg, and onlywire.com.

3. The Third Thing I like about atomic blogging is its continuous free update. Once you have bought that book, you've got life time free update! I mean this is a big bonus. You know when you buy a book from a publisher say McGraw Hill, will they send you a life time free update of the book you've just bought? Of course not! They never, but with this package, you will!

That's probably the beauty of eBooks, life time free update.

4. Step by Step Beginner tips on how you get started to make money online No matter you are doing business online or offline, you need a niche or a targeted market. Atomic Blogging shows you how to find a profitable niche by keyword research If you know nothing about keyword research, that book will show you or you can watch my simpler form video on.

Does Your Niche Work

In fact it comes with a free Keyword Research Tool if you haven't got one that has a free bonus to its customers.

The other things that Alvin teaches you are how to set up an adsense account, how to select the best ClickBank affiliate products to maximize your profits.

It is essential for people who want to earn money online like me and you.

Atomic Blogging also comes with many bonuses, the one that interested me apart from life time update, and its one year Free VDS Hosting provided Jump line.

To me it is attractive; also you have Yaro Starack, a professional blogger who had 1000 readers daily to his blog interview. Surely it is essential for any marketers to succeed online.

Atomic Blogging also comes with many bonuses, the one that interested me apart from life time update, and its one year Free VDS Hosting provided Jump line.

To me it is attractive; also you have Yaro Starack, a professional blogger who had 1000 readers daily to his blog interview. Surely it is essential for any marketers to succeed online.

Thomas_K.