Home Insurance Savings Tips1. Set higher deductibles to lower your premiums; just make sure you have enough cash to cover the larger deductible.2. Most companies offer discounts for smoke detectors, burglar alarms, third-party alarm monitoring systems, dead bolts, fire extinguishers, and Neighborhood Watch programs.3. Earn “multiple coverage” discounts by using one carrier for all insurance needs.4. Premiums will be higher if the fire stations and fire hydrants are too far away.5. Going without a claim for three to five years may warrant a discount. Most companies also reward longevity of service.6. Some companies offer discounts to people who have paid off their mortgage.7. Discounts ma…

Home Insurance Savings Tips1. Set higher deductibles to lower your premiums; just make sure you have enough cash to cover the larger deductible.2. Most companies offer discounts for smoke detectors, burglar alarms, third-party alarm monitoring systems, dead bolts, fire extinguishers, and Neighborhood Watch programs.3. Earn “multiple coverage” discounts by using one carrier for all insurance needs.4. Premiums will be higher if the fire stations and fire hydrants are too far away.5. Going without a claim for three to five years may warrant a discount. Most companies also reward longevity of service.6. Some companies offer discounts to people who have paid off their mortgage.7. Discounts ma…

Stay Cool This Summerl Run cool water over the inside of your wrists.l If you live near some, drive up to the mountains. The higher you go, the cooler it gets.l Drink at least eight eight-ounce glasses of water per day – more if you’re very active.l Don’t exercise in the heat of the day – do it before 9 a.m. or after 5 p.m.l Set a bowl of ice water in front of a moving fan.l Wear loose, light-colored natural-fiber clothing.l Soak your feet in a plastic basin of cool (not cold) water.l Hang out in your basement – it’s usually at least 10 degrees cooler than upper floors.l Wear your hair up or short – most heat escapes from the top of your head.l Make your own portable evaporativ…

Watch Your (Body) Language  Body language speaks volumes – yours as well as your prospect/client’s. Negative: l Limited or no eye contact l Brow tension l Crossed arms l Whole body positioned away from the person you’re speaking with l Tight jawline l Hunched shoulders l Rigid body posture l Tapping fingers. l Fidgeting. Positive: l Body position upright, facing the other person, leaning slightly forward means “I’m listening.” l Smiling eyes mean “I’m comfortable with you.” l Eye contact means “I’m interested. I like you.” l Relaxed jaw and brow means “I’m calm and at ease.” l Pleasant voice tone means “I’m relaxed.” l Fingers interlocked behi…