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Summer Preparedness: Part 1: Vacation

Posted on by cvargas

You’d think preparing to go on vacation would be as tranquil as the vacation.  Too often it’s not.  The hectic days leading up to vacation time include preparing for the departure from home and office and preparing for the vacation. 

Here’s some tips that might help you prepare more efficiently…and more calmly…for your vacation.

PACKING
The dreaded packing of the suitcase ritual can make anyone crazy!   Prepare for your packing process well in advance.  After all, many of the clothes you’ll take on vacation are not the clothes you wear everyday, are they?   Spend 20 minutes a week for the three weeks in advance of your vacation and pack small amounts at a time.  Setup your suitcase in one spot, where you won’t move it.  Then add to the suitcase in small increments. 

IMPORTANT DOCUMENTS
Passports, credit cards, plane/train tickets, printed itineraries need to be collected well in advance and stored together.   Any office supply store has perfect sized, closeable plastic envelopes and containers that  are ideal for collecting your important travel documents into a single convenient location.  Try to use a bright color for the container so it’s easy to find in a hurry, or in the dark.   If all else fails, a resealable plastic storage bag, the kind you use in your kitchen, is a great solution too.

PHONE NUMBERS
In your address book on your Smartphone, create a new address category where you can save important phone numbers for easy access.  This way, in the event of an urgent phone call  you can pop open a single address category and access all the numbers you’ll need to call, text or email.  Remember, you’re on vacation!  If you have to make urgent contact with folks back home, you’ll want to do it quickly so you can get back to the real work of relaxing!

HOME SECURITY
Checklists are the best way to efficiently prepare your home for your absence.  Windows locked? CHECK.  Alarm company notified of vacation dates? CHECK.  Lamp timers installed and correctly set to match sunrise, sunset? CHECK.   Think like an airline pilot: create a checklist and review the checklist at least two weeks before you leave for your vacation, and then once more the night before or morning of your departure.

INSURANCE
Preparing your insurance for your vacation may be the easiest part of your holiday preparations.  One call to your Independent Insurance Agent to review your insurance policies can help you determine what you have, what you will need, what you’re covered for while you’re away on vacation.

Call us today to be prepared to vacation without a worry.

Call now at 617-298-0655 or text us at 617-409-0329.

Click here to Visit our Contact Us page.

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Morning Motivation – Week of June 3

Posted on by cvargas

I LOVE to start my week with positive words of wisdom and here are this week’s:

“And what is the greatest number? Number one. ~ David Hume

We all have things that we want to achieve in our lives:
* Getting into the better shape
* Building a successful business
* Raising a wonderful family
* Writing a best-selling book
* Winning a championship

….and so on, and so on, to name just a few.

For most of us, the path to these “wins” starts by setting specific and actionable goals. This is how I approached my life, until recently. I would set goals for classes, for weight-lifting at the gym, and for the type of clients I wanted to attract to my business.

However, I realized that when it comes to actually accomplishing the tasks it takes to make progress with those specific goals, there is a better way to approach this process.

It comes down to the difference between goals and systems.  Let me explain.

Let’s talk about your goals, specifically your “Number One.”

Goal: Focus your marketing and sales efforts by understanding how to leverage your “One Number.”

Overview:
* One Number
* One Job
* One Measurement
* One Source (at a time)

What is the ONE NUMBER? Stay tuned for next week!

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How Much is Your Property Worth?

Posted on by cvargas

Some possessions in your home are more valuable than others.  These items can be a curated collection, such as fine porcelain figurines, baseball cards or comic books.  Other valuable items can be heirloom jewelry or fine art pieces, including paintings, sketches, and sculptures.

The value of these special items is not defined only by a monetary figure.  There is also the intrinsic value, the emotional value to you.  There is a fond family memory surrounding a particular heirloom object. What about the satisfaction of assembling learning about a particular collection of items, such as sculpted glass paperweights or famous autographs. This can be appraised but cannot be monetized due to the emotional value they hold.

Your homeowners insurance likely only covers a minimal amount of these valuable items, not necessarily covering the true market value in the event of a calamity that damages or destroys these valuable possessions. 

These special items need to be appraised by a professional to create a monetary record of their worth.  The expense of such an appraisal is well worth the cost in the event of a claim against your Homeowners Insurance and your desire to obtain the proper recompense for the damage or loss to these valuables.

There are two avenues to obtain an appraisal of your valuable items.  The first, and possibly less-costly, is to obtain an appraisal through a recognized expert.  For example, a jeweler can complete an appraisal of your heirloom jewelry items.  Likewise, an expert in art, or objets d’ art can be consulted to provide an appraisal opinion for other items you may own.  

The second method is to engage a Certified and Licensed Appraiser.  Typically we think of appraisers as professionals in the real estate trade, to appraise homes.  But Appraisers are trained in specific valuation methodologies.  There is a regimen that Appraisers follow to assemble a high-grade valuation of your personal property.  This regimen is based on professionally-accepted standards necessary for an appraisal to be certified.

While the cost of the latter valuation method may be higher than that of an expert opinion, you may want to incur the higher cost to provide your insurance carrier with the best possible valuation.   If you are using an expert opinion, be sure the documentation they use is acceptable to your insurance carrier.  You don’t want to find out that your carrier will not accept valuation documents when filing a claim.

Call us today to discuss how to appraise the true value of your treasured possessions and how to understand your coverage. That’s what happens when you work with an Independent Insurance Agent! Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.

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Morning Motivation – Week of May 27

Posted on by cvargas

I find that starting my week with words of wisdom helps me to stay productive and in a positive mood. What do you think?

“Discipline is the bridge between goals and accomplishment.” – Jim Rohn

If you remember, last week I shared with you the first three “free traffic” sources for your business website : search engines, free ads and articles. Here are my recommendations for the final two sources of free traffic for your business website:

Giveaway Marketing

Offer something of value that you can give away for free. Think of an informational booklet, or even an entire book; these are good examples of giveaways. Consumers love to get free stuff, especially if there’s information they can use without committing to a purchase. With a giveaway of this nature, you’ve become a resource for someone interested in what you are providing. You’ll want to include links back to your website so that they know how to connect with you.

Participate in Forums and Online Groups

This is a free way to earn that ever-important marketing asset: trust and respect. When you participate in online forums with valuable advice and insight, you become a resource; you become a trusted professional by virtue of your online reputation. Focus on groups specific to your industry and comment on questions posted in the group. Be sure your comments are not simply stale “business card” posts with your contact information and a “call me” statement. Engage with the question by answering it. Better yet, start the conversation by posting your own questions. If you are willing to give something away, you’ll receive positive results.

When forum members get to know and trust you, they will seek you out by virtue of curiosity. They’ll visit your website at their leisure. You’ll see the organic hits to your site increase as a result. Better still, when they need your professional guidance, they’ll reach out to you directly of their own accord.

An important note about participating in online forums: timing and consistency is everything.  If you visit the forums specific to your topic of interest and get involved, the likelihood of targeted free traffic to your site increases exponentially.

These are my suggestions for effective methods to drive free traffic to your site. These methods take time. But if you have more time than money at this point, I promise you, these techniques work.

Which of these five sources of “free traffic” will you try first? Hit “Reply” and let me know which works best for you. Tell me, how I can help you try something new in your business?

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Agency vs. Online

Posted on by cvargas

“You get what you pay for.”  

Everyone loves to shop for a bargain, a discount, a reduced price, more features for less money.  One might also say, “You don’t get what you don’t pay for.”

When you’re buying insurance, the “don’t get” part and the “don’t pay for” part can lead to you paying a lot more money than you bargained for later on when you need the insurance the most. 

Your insurance is supposed to be there to anticipate risks to your life, your livelihood, your wealth and your health.  If you pay for less coverage because you need to get that bargain price, you’re putting all of the above at serious risk.

Time is money.  Spend your time with an independent insurance agent.  The independent agent is working for your best interest, both in today’s premium pricing and in tomorrows unforeseen costs. 

For me, it’s difficult to be objective on this topic. I’m an independent agent in business for several decades. I can’t be objective when it comes to protecting my clients and providing them with the best insurance their money can buy.  

If your sole objective is the lowest premium price, we can certainly help you with that goal. If your objective is the best premium price with comprehensive coverage that prepares you for worst case scenarios, we can help you with that as well.

If your objective is all of the above with the added value of a trusted, local, experienced insurance professional, the one who thinks of you as a real person and not an unknown internet shopper, then the Independent Insurance Agent is the only way to go.

So, what is your objective: solely price, or price combined with quality service, local experience and good old-fashioned “looking out for my reputation by looking out for the customer” business sense?

That’s not to say you can’t get lucky and find a direct connection online with an Insurance Carrier who can provide such experience, accessibility, superior service and price.  It’s easy enough to spend your time searching. 

In our experience as Independent Agents, we’ve heard the stories, lots and lots and lots of stories about consumer experiences when working with online quotes and purchasing from an unknown representative on the internet.  Pretty much every time, these horror stories result because the consumer focused solely on lowest price.

Too often the lowest price online quote comes with no explanation of what exactly it is the consumer is buying.  The coverage can be horribly mismatched with the customer’s needs. Many times, the online quote fails to consider local conditions that must definitely be taken into account to provide an accurate insurance policy for real risks unique to a locality.

Your local Independent Agent knows about those risks that may be unique to where you live.  And your Independent Agent wants to work for your best interest, not the interests of the quick “low-price” sale.

Compare next time you need to purchase or renew insurance.  Consider the time spent by your Independent Agent just on the initial interview questions.  Those questions, and your answers to them, affect the advice you’ll receive on the best coverage for your unique situation.  

Now match that to the experience of filling in some boxes on a webpage and receiving the instant gratification of the lowest premium price in seconds!  Price: great!  Coverage: unknown because it relies on the consumer knowing, in advance, the eventualities that come into play when assessing your needs of future risks.

We’d love to be on one side of your comparison shopping! 

Call us today to experience the true value of your money when you work with an Independent Insurance Agent! Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.

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Morning Motivation – Week of May 20

Posted on by cvargas

The new week brings new prospects! Are you ready?

Here are your words of wisdom for the week:

“It pays to cultivate popularity. It doubles success possibilities, develops manhood, and builds up character.” – Orison Swett Marden

Last week, we talked about the importance of bringing traffic to your business website, and I promised to share some sources of “free traffic.” If ever there was a siren song of the digital age, “free traffic” is it!

  • Can you get free traffic to your site?
  • Can you build a business based on this traffic?

The answer is YES and YES. However, you must learn how to do it and you must be consistent with your activities.

Are you ready to get on that “super highway”? (See what I did there?)

Here are the main sources of free traffic:

Search Engines

Get your site listed in the venerated “top ten” search results; this is “organic” content. The most effective way to achieve organic search results is to provide quality content – lots and lots of content.

When your website proves to be a useful resource for visitors, you will do well. If you try and outsmart the search engines to get the traffic, you will be “spinning your wheels” (Oops, I did it again!), and it simply won’t work.

Create a content rich site and the search engines reward you by displaying that site when people search with the keywords within the content you provide. The content must be high quality. It must be original. Check out our Vargas and Vargas blog to see our own humble example.

Free Ads

Free ads are a mixed blessing. Free sounds good, right? They usually don’t work. That’s bad!

If you can get a free ad in a place where ads are usually sold, like the free ad you get for subscribing to classified ad sites that are visited by people, it might be worth the time. Be careful of how much time you invest.

However, the ad blasters and automated submitters do not work in my experience and should probably be avoided.

Articles

Without a doubt, marketing with articles/blogs is the #1 free traffic method. You don’t need to be a professional writer to do this. All you have to do is write a short article 300 to 500 words in length, that describes a problem people face and that provides a few solutions you know people are searching for.

Once your article is written, post to your site and to your social media channels. Submit to article directories, ezines and groups on social media. Some website owners are generous and will share your blog to get the widest possible distribution. However I personally have never had success doing this.

Write and submit an article a week and very soon your website will get interested visitors who are proven to purchase. Or, you may wish to write and post more often. Remember, “lots and lots” of content!

Next week, I will share with you the final two sources of “free traffic.” Stay tuned!

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The Two Most Effective Steps When You File A Claim

Posted on by cvargas

Your Insurance is in place to protect you from risks that may affect your wealth and your health.  When an incident occurs, you’ll want to file your claim in order to receive payment for your loss as quickly and efficiently as possible. 

Luckily, there are two easy steps to ensure a smooth claim process.  Best news of all, you can manage these two easy suggestions in a short time, maybe even while you’re binge watching whatever is the latest and greatest on Netflix. 

#1: Paperwork

Gather your insurance policies to an easy-to-find (and easy to remember) location.  You might want to consider scanning your policies to PDFs and saving those on your Smartphone, home computer, or Cloud Storage. 

If you’re saving paper or scanning to PDF, be mindful with how you label each document.  Using the Insurance Carrier’s name along with the purpose of the policy is helpful.  For example, “ABC INSURANCE Homeowners Policy.” 

Use different color post-it notes strategically placed on each paper document to easily flip through multiple policies. If you’re storing PDFs on a computer or Cloud drive, create different folders for each policy and be sure to “rename” each PDF for easy search.  In a pinch you’ll want to quickly locate “XYZ MUTUAL INSURANCE 2017 PONTIAC.”

#2: Photos

Smartphones make it easy to snap photos of your belongings around your home or to grab a quick photo of damage to your vehicle after an incident. Be sure to have the date stamp feature enabled.

In your home, while running your vacuum around or changing the bed linens, snap photos in each room where you have valuable belongings.  Take a photo of the entire room, too, with different angles. Capture clear, up close photos of individual valuables. 

Upload your photos and save to your home computer or Cloud Storage. Or both.

We’d be honored to spend a few minutes with you to discuss how to organize your files, review to see if your valuables are insured properly or to prepare the step-by-step of the “what to do” and “what not to do” after a claim.

When you’re organized in advance, your claim can be processed efficiently. This gets you paid faster in order to begin the repairs.

You can call us now for a free educational moment or to review your existing insurance policies to be sure you’re covered for every eventuality. Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.

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Morning Motivation – Week of May 13

Posted on by cvargas

As you know, I like to start each week with a few words of wisdom.
This week’s quote is:

“The Internet is becoming the town square for the global village of tomorrow.” ~ Bill Gates

Last week, we chatted about working on wealth. This week, let’s switch gears a bit and talk about “traffic”.

When it comes to making money, whether it’s online and/or offline, there are three elements you must include in order to succeed:

  1. A product or service to sell
  2. A compelling website that moves a buyer to buy
  3. People visiting your site

That third step stumps most business owners.

When folks visit your website, that’s known as“traffic”. Driving traffic to websites is the topic written about, discussed, pontificated about, stressed about more than any other. Don’t stress about it! I’ve got you covered! I like to keep things simple and easy to understand. Here are some simple thoughts on how to push traffic to your website.

There are two types of traffic: free (or organic) traffic and paid traffic. Organic traffic simply means folks are visiting you with no “artificial” encouragement. And, yes, that “artificial” encouragement happens when you pay to drive the traffic to your site. Either way, organically or paid, you’ve managed to get your website’s image, profile, address in front of someone’s “eyeballs.” And those eyeballs lead to clicks; clicks lead to your website.

Let’s be realistic, everybody pays. It could be your time; it could be with advertising dollars. Sometimes, it’s both. Paying with your time means you’re creating engaging content that tracks on search engines. Paying with your time can also mean you’re personally engaging with folks online, and they’re interested to find you. Paying with your money, well, that’s Google ad-clicks, Facebook advertising, and other well-placed marketing activities.

In a nutshell you get traffic to your site when it’s paid or organic traffic. Nothing more. Nothing less.

In my next message, we will take a look at each type of traffic-engine and see how they work.

I will explain and demonstrate examples of ‘free traffic.’

Carlos

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Life insurance when starting out in life

Posted on by agentinsure

Most people think of life insurance as something you get when you’re older. However, as Vargas & Vargas Insurance, serving Dorchester, MA explains, you should really purchase a policy when you are in your 20s, just starting out in life.

The fact that you are young and not as likely to die as an older person is to your advantage since that means your premiums will be far less expensive. You should carry life insurance just in case an unexpected fatal illness or an accident should take you away from your loved ones.

A life insurance policy is generally used to replace lost income for a spouse and children who have grown to depend on it. Even if you are currently single, carrying life insurance is still a good idea. You may start a family later and can then add a spouse and children as beneficiaries as your circumstances change.

The other purpose of life insurance is to pay your outstanding debts. These might include funeral expenses and health care costs if you were taken by a lengthy illness, such as cancer.

A young person is also likely to have a substantial college loan balance. While federal loans are as a rule canceled and discharged upon the insured’s death, the same cannot be said for any private loans you may have taken out, perhaps with your parents as cosigners. Lenders expect the cosigners to pay off the debt even if the person carrying it has died. A life insurance policy will allow your parents to pay off the private loan at your passing.

For questions on life insurance, feel free to contact Vargas & Vargas Insurance, serving Dorchester, MA.

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4 Things Your Homeowner Policy Should Include

Posted on by cvargas

Shopping for Homeowners Insurance is often rushed and daunting.  And exhausting.  In the flurry of activity leading up to a Home purchase closing, the harried home buyer may speed through the insurance process with the goal of quick and cheap. Let’s slow down ever so slightly! 

Take your time and ask your insurance agent if the quoted policy includes the following 4 vital coverage parts. Your standard Homeowners Insurance Policy covers you in the event of damage from fire, lightning, hail, and explosions.   However, these 4 items are not automatically included.

#1: Higher Liability Coverage.  The dollar value of an insurance payout in the event of a claim is often the number one most overlooked and undervalued part of a quickly-quoted insurance policy.  We like to explain liability coverage to our customers like this: imagine if someone fell on the pathway leading up to your front door.  Imagine that person suffered a serious injury, such as broken bones.  Now imagine that person, whether friend, family, or otherwise, hires an aggressive Personal Injury Attorney to receive compensation for pain, suffering, and medical bills.   Do you think that $300,000 liability coverage is sufficient payout in such a dire event to protect your other cash assets (your bank accounts, your retirement accounts, your children’s college fund)?   Whether it is or is not sufficient, do you want to gamble your wealth away with insufficient liability coverage?   Consider increasing your Liability Coverage to at least $1,000,000.

#2: Storm Damage.  Severe weather over the past dozen years or so has cost Homeowners considerable sums of money.  These Homeowners lived in contentment with their homeowners insurance policies thinking they were covered for all kinds of occurrences.  When the severe weather hit—storm surges from oceans, rivers, and creeks; high-wind conditions; flooding inside basements from ground water saturation due to heavier than normal rains—too many Homeowners discovered to their dismay the lack of coverage for damage sustained due to severe weather.   Discuss flood insurance with your insurance agent.

#3: Power Outages.  Should your home lose power for a sustained period of time you could experience loss of foodstuffs due to your refrigerator not functioning.  Adding this extra coverage to your policy protects your money…and your food.

#4: Additional Coverage for “earth-movement”.  Have an in-ground pool in your backyard? If you live in an area prone to earthquakes, landslides, or sinkholes, you’ll want to add additional coverage to your standard policy to protect your assets and your home against these risks.

We’re happy to spend the time necessary to educate you on the best comprehensive insurance for your Home.  Call us today!

Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.

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