Quick Car Insurance

You have a new cell phone plan and a brand new, expensive mobile phone. Because of your home and job locations, you have to get the best possible mobile phone insurance you can afford. How do you determine what coverage you need in your insurance for the money you have to pay for each monthly premium? How do you determine if you are getting a bargain or not? You shop, and the best place to do your shopping is online. Google mobile phone insurance, and you’re on your way to the best insurance fit for you. Now, consider your coverage needs before your loss occurs.

Theft, Loss and Fraud

What do you do if you’re walking through the city, the crowd jostles you around and someone steals your mobile phone from out of your hand while you’re using it? You go to a pay phone or borrow a cell phone from a friend and call the police. You give the police a detailed description of your mobile phone, and you are thankful that you have activated your phone’s GPS.

However, your phone does not show up, and worse, someone keeps racking up huge amounts of minutes on your phone. As hard as you try to show that the calls are fraudulent, your carrier still demands money before closing down the account.

Similar to theft, if you lose your phone and someone else picks it up, if they aren’t honest, you could have a similar scenario as I described above.

Accidental or Liquid Damage

Any time you drop your phone, you risk internal damage, but the most damaging accident could be getting the phone wet. You need to be sure that your insurance covers your phone for damage, including immersion.

Overseas Coverage

Who would not want to be a master of credit? Who would not want to be able to get preferred auto loans, low interest credit cards, a great home mortgage or be able to buy what you want on credit and have the ability to pay it back on time? I am sure you just said “I do” to yourself. Maybe it’s because what you do not know how credit is robbing your of money in your everyday financial life. Let me clear your thinking when it comes to wise use of your credit worthiness.

You may already know that your credit history can stop you from getting utility services like gas and electric, economical phone rates, favorable auto insurance coverage, homeowner’s insurance, or even to prevent you from getting low interest credit cards. Here are the 5 tips that can give you the kind of preferential credit that the top 5% of us enjoy:

1. Most utility companies have minimum credit rules for service delivery.

If your credit history shows a history of collection of past energy bills, you likely will not be eligible for services at all or, at least, a huge deposit will be required. You may even need someone with good credit to put the utilities in their name or as a co-signer until you can prove you can afford to pay your utility bills on time.

2. Most telephone/cellphone providers will also look at your credit history.

People with good credit do not normally have to put up a deposit for a land line phone or for a cell phone plan. A friend of our who got into trouble with a cell phone company bill found he had to pay a $250 deposit to get a new provider. That prior cell phone provider reported him to the credit bureau. As difficult as it may be, be sure and pay off your phone provider before trying to get a new provider. That $250 would have been better in my friend’s bank account than in the provider’s account.

Here are two businesses whose lessons apply very well to financial services. These are from real businesses here in New Zealand that happened in the past twelve months.

A builder: This business had been static for some time, his advertising efforts being in all the normal media such as radio, press and directories. Wanting to grow the business, the builder analyzed the last 20 jobs and was stunned to find that ALL were from referrals! Until he had looked closely at them he just assumed that the advertising must have been generating the work.

So, he made up a list of potential and existing Centres of Influence, being architects, structural engineers, developers, the local authority staff, real estate agents and previous clients. He then arranged breakfast meetings with them in small groups. He called them (surprise, surprise) “Friday Breakfasts,” so EVERY WEEK he invites two or three of them to meet informally with him and his staff over croissants and coffee.

Business has gone up 100% in just twelve months. His profit has risen as not only is he saving on advertising but he does not have to compete with as many when tendering. The staff love them as well and as an unexpected bonus, motivation and productivity have increased.

The lesson: What are the real drivers of your business – referrals, advertising, sponsorship or something else? If it’s referrals, do you have a proactive plan for cultivating more of these? The builder in this case study has obviously found a low-cost and apparently very effective plan.

A consulting engineer: This engineer’s clients are local government and large developers. Advertising to date was primarily in relevant industry journals. He undertook a small amount of informal research, which revealed that his clients did not know the range of services he offered. So, he created a simple monthly newsletter that went to his clients explaining the full range of services.