Insurance Brokers And Their Business Marketing

There is lots of information available to brokers on a great deal of topics. A few periodicals are devoted entirely to reminding brokers of the newest polices and scams associated with their field. This may seem to make the life of an insurance coverage broker much easier, but it really does not. What it does do is make it so much more complicated to stay on top of the action. So not only do brokers really have to watch what their competition is doing and what fields of insurance they would like to look into, but will also must make sure that they are able to defend themselves from strikes by the media on the vocation as a whole.Being a broker isn’t that simple either. There are many unique variations of insurance that the broker may become involved with. This means that every broker needs to be knowledgeable regarding a wide range of different types of insurance. The client will not aim for three different brokers to manage their insurance needs, they wish to cut down on the legwork by having one broker who is going to do everything for them.Brokers must also advertise themselves. How else could prospective clients be aware that they are there? There are several methods open to brokers to promote themselves. One of these is via the broker’s “circle of influence”. This refers to the people who are in your circle of acquaintances. They can be helpful to spread the word of the new broker’s practice. It’s basically a means to start the word of mouth marketing ball rolling. The more people you have got around talking about you, the more business you’ll probably get sent your way. You could motivate them to gather new customers by offering gifts or incentives for referrals that sign an insurance policy with you.Another method could be to examine the tricks of other successful brokers to see what worked well for him or her after which you can modify it to work to suit your needs. Try not to be afraid to ask the advice of those who have been in the market a while, most are often more than happy to help a fresh broker discover his feet and get going.You can even get yourself involved with your neighborhood. Men and women are certainly going to remember an individual who made an attempt to make a difference with a local project as opposed to individual who sat on the sidelines and just commented about how good a notion it is to undertake no matter what the community is doing without ever essentially doing anything to help the undertaking along.Aim to look for a market which has not yet been over loaded by brokers. With so many different types of insurance available, there ought to be something that other brokers will not be interested in tackling or policies which have just recently been included in the list. Make any of these your target and find yourself a niche corner of the insurance market.You can actually make a success of your brokerage should you be willing to take the time to market yourself properly.

The Controversy of UK Agricultural Land Conversions to Housing

What are seen as the controversies around converting land from agriculture to housing?The value of UK Green Belt and agricultural lands is undisputed. But the environmental costs of modern farming and housing needs are part of the conversation as well.Anybody considering making an alternative investment in strategic land will know that Britain unquestionably needs more homes to accommodate a growing population. According to the Office for National Statistics, more than 4.4 million homes should be built by 2016, largely in response to two factors: A decennial growth rate of 7 percent, as measured in Census 2011, and lagging new home construction that fails to keep up with this population increase, largely attributed to the stringent lending standards of banks following the 2008 economic crisis.At least one group claims the solution is to build on Green Belt land. The Policy Exchange, a centre-right think tank, said in late 2012 that the supply of land near cities that is kept unbuilt is a drag on the housing market. They argue that swaths of English countryside that typically surround towns should be opened up for development. The fourteen Green Belts in England cover about 13 percent of the country, enveloping about 60 percent of Britain’s population (about 30 million people).The Policy Exchange faces plenty of headwind in its positions. Since the “garden city movement” of the early 20th century, the effort to combat urban sprawl led by such groups as the Campaign to Protect Rural England (CPRE) and the London County Council sought to maintain open spaces dedicated to recreation, forests and agriculture as a social good. But the Town and Country Planning Association has proposed since 2002 the adoption of more flexible policies toward Green Belt lands, suggesting that instead of a growth-stifling “belt,” that “wedges” and “strategic gaps” might allow a natural expansion of urban areas.


Famously, the head of Natural England, whose charge is entirely to ensure protection and improvement of flora and fauna, said in 2007 “we need a 21st century solution to England’s housing needs which puts in place a network of green wedges, gaps and corridors, linking the natural environment and people.”Agricultural land outside of Green BeltsOf course, land away from the major cities is green as well, much of it in use for agricultural, forestry and recreational purposes. More than 80 percent of the landmass in England and Wales, 12 million hectares, are used for farming and forestry. Local planning authorities can more easily rezone the lands outside Green Belts when market factors, such as the demand for housing development, call for it. Since 2000, about 1500 hectares of agricultural land has been converted to housing development every year.Of course, similar sentiments understandably still exist relative to the bucolic perceptions of farming in the U.K. But environmentalists take exception to how modern agricultural methods, which include excessive application of fertilisers, can actually burden nature with its by-products:• Toxic build-up. 100 million tonnes of sewage sludge, compost and livestock manures applied annually to agricultural lands is leading to a build-up of potentially toxic elements such as zinc and copper, and more than half of sensitive wildlife habitat experiences harmful acid and nitrogen pollution, according to a paper published by Environment Agency UK.• Loss of soil. About 2.2 million tonnes of topsoil is lost each year due to intensive cultivation, some of which is instigated by compaction from heavy machinery and livestock, which precludes plant growth and leads to runoff in rain. (source: Environment Agency UK). To be fair, some runoff is noted as well from building sites before landscaping is completed.• Water quality compromised. About 70 percent of sediments found in water come from agriculture, and those sediments can carry metals, pathogens, pesticides and phosphates.Such problems due to modern agriculture plague the planet, as similar pollution levels are reported throughout Europe, Asia, North America and Australia. Africa, Brazil and Argentina, the newer frontiers for agriculture, are expanding arable croplands to meet global food demands but also exhibit a host of environmental sins.The food-housing tugThere is no denying that the housing needs in the UK must be met – and soon. A whole generation of families are postponing children or living in cramped quarters, awaiting homes they can afford or at least rent to accommodate their members.But Brits need to eat as much as sleep. So how to balance the use of land for each?A number of approaches are being tested. One is to encourage development of so-called brownfield lands, which include properties that may require remediation from previous industrial uses. These lands are often within towns or immediately adjacent to them, some with excellent access to existing urban infrastructure while others are cost-prohibitive for a variety of reasons (no existing infrastructure, undesirable locations for housing or extensive environmental remediation required).


SustainableBuild.co.uk is a web publisher that considers the balance between development and environmental sustainability from a very pragmatic standpoint. The site offers several points on how land conversions to development can have a negative effect, which include: converted greenfields are quite unlikely to be converted back to nature; there is inevitable loss of habitat for animals and plants; a loss of employment for agricultural workers; and a loss of Green Belt land that provides geographical definitions and separations of cities, towns, villages and hamlets (I.e., American-style urban sprawl).Answering the problem of diminishing agricultural lands is a nascent movement to small-scale, organic agriculture on greenfield lands. SustainableBuild notes, “There are greenfield sites that are not being used for any purpose, for whatever reason. Development must consider all human and environmental factors, not just consume land and space for short-term solutions. A sustainable vision would look at all the options for land use, human population expansion, urban sprawl, economic considerations as well as environmental needs.”Which, in a country with a growing population and a concurrent appreciation for the environment, is perhaps the most realistic and pragmatic approach.

Finding the Right Assistance For Your Technical Translation Service Needs

You are about to embark on your quest of testing the accuracy of personal document translation services and technical translation services that several nearby translation firms brag about. Since you have just received a Russian research journal from your colleague in Russia, and you plan to use it as a direct reference for the study you are making for your masters class, you want to make sure that you will get your money’s worth from the translation job you will be submitting to a translation firm. Of course, you wanted to find the right assistance to address your translation needs. So what do you need to do first, before you submit the research journal for intensive translation? Below are some tips to help you find the right translation firm to satisfy your needs:

Ask for a portfolio or look into what services a translation firm could provide. A company portfolio usually summarizes what a company is capable of doing for its clients. Thus, a translation firm’s portfolio should include the services they provide their clients and customers, what particular field do they specialize in, as well as vital information on what type of documents they usually translate. These are important things to be included in a translation company’s portfolio so that clients could be properly guided on what services they should avail, and help them decide whether or not they should entrust their documents to be translated to this company.

Look out for testimonials and satisfied clients who could attest to the credibility of a translation firm. To further help you in finding the right translation company to assist you in your translation needs, you need to search for testimonials of satisfied clients of these translation service providers. These testimonials will help you analyze which among these translators provide the best services and perks, so that you could decide on which to choose. Also these testimonials will give you insights on what translation jobs are usually provided to these companies and help you evaluate whether you will go to one of these translation firms or not.

Try out their service by providing them a simple job order. If there are no testimonials regarding the capability of these translations firms to provide personal documents translation services and technical translation services, then you might as well test their capabilities by using simple translation job orders. If you have the finances and the time to individually test the capabilities of these institutions through a trial and error method, you will be properly guided in finding the best translation firm able to provide you the level of service you require.

Look at the qualifications of the hired translators. By looking at the qualifications and skills of the translators of a company, you could readily see which field they excel in. This will help you evaluate and compare whether or not your document for translation is in line with the expertise of the company, so as to assure you that you will eventually get the best translation results.


By simply using these four steps, soon you will find the right translation service, either technical or personal documents, that will fit your own requirements and translation specifications, to get only the best results that correspond to your money’s worth.

10 Alternatives To Getting Rid Of Your Pet

So you’ve had your dog or cat for a while, and your life is changing, and now you think you need to get rid of your pet. But are you sure this is what you want to do? Getting rid of your pet is a very drastic measure. If you leave your pet at a shelter, you may think he will find a new home soon. But it is unlikely. Many high-kill shelters must euthanize animals each day in order to make room for new ones who have come in. Some animals are only at the shelter for four or five days before they run out of luck. Fifty-six percent of dogs and seventy-six percent of cats in shelters are euthanized… many of them healthy, well-behaved animals whose owners simply didn’t have time for them anymore. Even in a no-kill shelter, your pet may be doomed to live out the rest of his life in a small cage if he is not chosen for adoption.
If you are willing to try keeping your pet, there are many things you can do. Lets look at some of the most common reasons why people get rid of their pets, and how to get around them.Reason 1: I’m moving.
Solution: Bring your pet with! A quick Google search for “pet-friendly housing” will show you many different directories of rental housing that allows pets. Here are just a few that I found: People With Pets, Pets Welcome, My New Place, Pets911, Home With Pets, and Dog House Properties. And pet-friendly housing is not just limited to those sites! Many apartment buildings and complexes will allow pets. You may have to pay an extra security deposit. But in the end, it will be worth it, to keep your pet with you!
Here is something else you should know. If things get really bad and you have no place to live, you still may not have to give up your pet. Pets Of The Homeless is a website that works to help homeless people to keep their pets, or find temporary homes for their pets until they get back on their feet.Reason 2: I can no longer afford my pets.
Solution: Call your local animal shelter, or food pantry, and ask about pet food banks. They do exist, and are becoming more and more common! You can even make your own dog food, which may be cheaper in the long run. (Its not difficult! Dogs can eat much of the same things we eat!) Your local animal shelter, or your veterinarian, may also be able to tell you about free or low cost vet care for your pets.


Reason 3: My new boyfriend/girlfriend/fiance/roommate doesn’t like pets.
Solution: Are you really going to sacrifice your pet on someone else’s whim? Are you sure you want to date someone or live with someone who doesn’t like pets? That’s a pretty big lifestyle change to make for someone else. If you’re sure you want to stick with this person, work out a compromise. Maybe your pet can be banned from certain areas of the house, like the bedroom or the kitchen.Reason 4: My new boyfriend/girlfriend/fiance/roommate is allergic to my pet.
Solution: As long as the person’s allergy isn’t life threatening, there are many things you can do to greatly reduce the allergens on your pet. Keeping your house clean is a giant step. Dust and vacuum frequently, and use a vacuum cleaner with a HEPA filter if possible. You can buy an air filter for your home that sucks the allergens out of the air. A company called AllerPet makes a special liquid that you can wipe your pet down with regularly to get rid of the allergens on him. Sprinkling flax seeds in your pet’s food can also reduce the amount of dander he produces. The person may even be willing to take allergy medication! After all, many people have seasonal allergies and take medicine regularly. They don’t just get rid of the seasons!Reason 5: We’re having a baby.
Solution: Pets and children are a great combination! Most pets are perfectly fine around children, although they may be a little confused by the new arrival at first. You should always supervise your pet around young children. When your child is an infant, he probably won’t be unsupervised anyways, right? As your child gets older, you will have to teach the child to be gentle with the pets. Do not allow your child to pull your pet’s tail, poke him, pick him up, etc. Many people feel that a pet should be obligated to put up with whatever your child deals out. But that is not good for anyone involved! Teaching your child, from a young age, to be calm and nurturing around pets, is a great learning experience for the child. If you have a dog, you may want to do some extra training with him before the baby comes, to teach him not to jump up on you when you’re holding the baby, etc. Other measures may include banning the pets from certain areas of the house, hiring someone to come walk your dogs or clean up after your pets when you don’t have time to, etc.Reason 6: I have developed health problems.
Solution: Speak to your veterinarian, neighbors, friends, people at your place of worship, etc. You can probably find some volunteers to help you take care of your pet. Having a pet can be a source of comfort when you are ill. In fact, many studies have shown that people with pets have lower blood pressure, lower heart rates, and are generally more healthy, than those without pets. If your health problems are so severe that you must move into a nursing home, maybe you can find someone willing too foster your pet for you.Reason 7: My pet has developed costly health problems.
Solution: Speak to your veterinarian about this. They may be able to guide you to low cost veterinary clinics, veterinary schools that offer low cost treatment, etc. Many veterinary offices now offer payment plans for treatment. They may be able to help you find creative ways of raising money to pay for your pet’s treatment, too!Reason 8: My pet still isn’t house trained.
Solution: If your pet is suddenly having “accidents” around the house when he used to be house trained, there could be a medical reason. You may want to consult your veterinarian. If the house training has just never completely been accomplished, you may have to start over from scratch. For a dog, take him out more frequently and try to get him on a schedule. If you are not home during the day, and your dog is eliminating on the floor or furniture while you are gone, you may want to consider crating him while you are not home. For a cat, switching to a different kind of litter, getting a bigger litter box, or moving the litter box to a different area of the house, can help. Clean up accidents with a mixture of vinegar and water. This mixture gets rid of the scent of urine or poop, so that the pet doesn’t feel the need to “mark” that area again.


Reason 9: I work long hours, and don’t have much time to spend with my pet. Its not fair to him.
Solution: While it may seem unfair that your pet has to spend time alone, it is still better than making him take his chances in a shelter! There are simple measures, such as providing stimulating toys for your pets, or leaving the TV on during the day, that can help your pet to feel less lonely. One nice thing you can do is buy your pet a special blanket. Sleep with it in your bed for a few nights before you give it to your pet. It will smell like you, and offer comfort to your pet when you are away from the house! You may also want to consider pet day care, or hiring someone to stop in during the day to play with your pets. Also, spending as little as fifteen minutes before you leave for work, just playing with your pet and spending quality time with him, can make a real difference. You don’t have to be a perfect owner and spend tons of time hanging out with your pet. He will love you the way you are… and again, it is better to be alone at your home than to die alone in a shelter.Reason 10: My pet has behavior problems. He bites/scratches/jumps on me, barks too much, etc.
You may want to consider a training class for yourself and your pet. Petco and Petsmart offer fairly inexpensive training classes. It can be a good investment! If you can’t afford this, then the library can provide books on dog training, and the Internet can provide websites with tips. Try Googling a specific problem you’re having. For instance, search for “teach dog to stop barking.” Spending ten or fifteen minutes a day working with your dog, and then consistently rewarding your dog for positive behavior, can make a huge difference.These are just a few of the common reasons why people consider giving up their pets. But remember, every problem has a solution. So, before you give up on your pet, please take some time to remedy the problems!