Most residence and contents insurance claims proceed easily, except perhaps for occasional disagreements about how much one thing was value. The homeowner includes a duty of care and the insurers get a dim see of claims that the homeowner could, and need to have, avoided.
Have you ever seen those long and lavish mission statements on a plaque of the corporate wall? Or, inscribed on a company’s stationery? Other popular places are on the back of business cards, on websites, brochures, and Company Annual Report. Yet, it’s the person who is “belly to belly” with the customer that is that company. It’s not the corporate crafted mission statement that defines that company’s image. It is the stock clerk, the teller, the barista, the ticket taker and the sales representative who has direct contact with their clients. Even in the non-profit world, many will become involved for the cause, yet the majority become involved because of a person – either someone they know, someone affected or a special someone who asked for their help.
The only caveat is that people will not introduce you to people who know, like and trust them unless they have “know, like and trust with you”. In order for them to have that with you, they must sample your character and competence. And, in order for them to do that you must know what makes you so unique. You must know what your vision is? What you value? What your purpose is? And, what you’re passionate about.
Speak to their customers – You may even be one yourself!! What do they like about them? What don’t they like? What could be better? How can you use this information to your advantage in the negotiation?
Make sure the credit card company reports to the major credit bureaus. If you are trying to build or rebuild your credit rating, this is essential. These bureaus produce the credit reports that companies use to evaluate you before extending loans or lines of credit, so it is important that they hear about your responsible credit use.
We are an aging population that is living longer and healthier than previous generations. So it is important to plan and prepare for those years when we may need assistance of some kind.
The success of Berkshire Hathaway made Buffet rich and powerful. Berkshire’s class A shares sold for $96,600 as of December 31, 2008, making them the highest-priced shares on the New York Stock Exchange. February this year, Mr. Buffet released his company’s company annnual report for 2008. According to the company annnual report, the company lost $11.5 billion.
You should also see if the company has feedback on their website from the customers who have already used their services. You can try to look for the name of the company in search engines. You can also ask the company to give you more feedback that is not available in its sites. If you use social media you may find out more information about the company which is not under the company’s control.
As a child I received a piece of advice from my mother. She told me never sell your mineral rights or your water rights on a piece of real estate you own. She also said don’t buy a piece of land where those rights don’t convey.
Investing in small caps usually takes time. And it usually takes a lot of faith to determine whether the ups and downs of a smaller growing company are worth your investment.