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What are the biggest inefficiencies in the insurance industry?
Where to start.First, the insurance industry is going through a major upgrade where a lot of the past inefficiencies are being solved and ironed out.There are inefficiencies at various stages of the insurance process. I will discuss two of the major ones:DistributionWhen you buy insurance, there are three main ways to buyGo to a lead generator online that shows you multiple quotes and then sells your information to insurance agents.The Problem: no one likes being cold called and having their information sold for a profit. You have to finish up your buying process over the phone and are often tossed around between lead generator, insurance agent, and insurance carrier. An example of a lead generator is EverQuote. This is the worst experience for the customer.Go directly to a carrier website and fill out one application and get their quoted price.The Problem: First, the carrier you go to may not be a good fit and just outright deny you a quote after all your work. Second, if you want to check prices on 5 different carriers, you have to fill out five applications. This leads to entering a lot of information five times. You also don’t really have an easy way to compare what is offered in the policy and how the coverage in the five policies compare.Go directly to a brick & mortar independent insurance agency, speak with one of their agents in person or over the phone, and fill out one application and get many prices.The Problem: you may have to visit a physical office. Only open during business hours 9–5 M-F. You have to make one/multiple phone calls. That being said, this is your best option out of the three listed, because you get an experienced professional looking at what you need and shopping not just on price, but quality and value of your policy.I’m trying to create a fourth option to make the insurance buying process more efficient. My goal is to make insurance shopping as easy as buying a plane ticket:What if there was an online insurance agency that allowed you to fill out one simple form online, you submit, and they do the shopping for you with multiple carriers, never sell your information, and send you multiple insurance packages to compare from multiple carriers all crafted for your specific needs. I work only online, email, text, and chat. No picking up the phone, no going to an actual building, and no “only open M-F 9–5”. Of course you can still call or come visit us if you want to, but we realize that is a less efficient shopping process.Now on to another inefficient area of insurance…Inspection & ClaimsInspection and claims is another part of the process that is extremely expensive and inefficient, but it is harder to solve without increasing fraud. Keep in mind that around 10% of claims paid out by insurance companies are fraudulent, so you often need an experienced professional to do the inspection during the initial application of the policy and during the claims process. This is inefficient because it requires scheduling a time, having a person physically drive out to the location of the property, and spend an hour looking at the place and writing a report. This person is expensive.This process is being improved by technology in ways such as using google maps, drone imaging, and even asking the customer to take video and photos of the damage or property to be covered. However, it still has a long way to go before it is anywhere near automated.
How could I tell if my company is about to be sold?
The best ‘tells• that your company is about to be sold (acquired) are when you as an employee observe the following signals:You are asked to re-sign, or sign new restrictive employment covenants, with no other explanation other than we need to get our ‘house• in order, typically documents need to be perfected prior to the transaction.You observe unusual cost-cutting of routine sales, marketing, and training activities (during good times) in order to temporarily spruce up the bottom-line and profitability, with the intent to show higher than normal proforma EBIDTA.You observe peculiarly timed non-market based consolidations of operations, restructurings, and mash-ups of business units and departments.You observe outside consultants (particularly from Investment Bankers, Management Consultants, Accounting firms, law firms, etc coming in and reviewing SOPs, department processes, and learning about the business• rather than learning about your products or services as a buyer.You have an excessive number of open-unfilled employment positions, with seemingly no visible effort to fill the vacancies.You observe out-of-schedule service, paint up, clean up, and spruce up campaigns to get the premises in top shape for marketing, selling, and for future visitors. This is sometimes called the ‘putting lipstick on the pig• phase.You observe top management exercising stock options prior to the release of market news you anticipate to be positive. Further, you may observe top management preparing their own investment plans, wealth plans, and parachutes.There are other signs, but these seem to me to be the major indications that your company is for sale.BTW, in the US, Q4–2022 will likely see the highest M&A transaction rates for business acquisitions not seen in many years, the combination of the Trump tax cuts, returning capital from overseas, and favorable economic conditions during the current regime make this time particularly prime for acquisitions.
Is there a way to schedule Instagram posts? I need to schedule my Instagram posts so they go out at the same time every day for my business.
**UPDATE** Buffer was good but HopperHq (Plan, Create & Schedule Your Instagram Content.) has BLOWN Buffer out of the water!Running multiple influencer campaigns through my agency Home - Vizified is tricky but now HopperHq has come to our rescue. The tool has successfully helped grow and scale your influencer accounts through easy and effective planning, scheduling and creative tools.Our team loves HopperHq and the multiple tools that make Instagram marketing a breeze.BENEFITS:Multiple accountsHopper works on both desktop and mobile (RESULT!)Forget ‘reminders to post’. Hopper HQ posts to Instagram for you.All your scheduled posts in one place. Drag and drop to reorder.Easily view and plan your posts by week or month (essential for campaigns and specific events!)Emoji tool!!!! ‘Phone preview• to see how it looks on your phoneBulk upload and syncs with Dropbox, GoogleDrive e.t.cFind out more here: Plan, Create & Schedule Your Instagram Content.. . . . . . . . . . . . . . . . . . . . . . . . . Yes. Buffer.Every marketing managers favorite all-in-one social media app, can be used to manage and schedule multiple accounts, including Pinterest and just recently Instagram.Now that Instagram—one of the fastest-growing mobile social networks—is integrated within the Buffer you can manage, schedule, and monitor all your posts.Here are 3 key benefits I find using Buffer:Manage multiple accounts in one place - Save time and hassle of managing different accounts!Create a consistent schedule -Reach your audience at the ideal times. Boost engagement by staying in touch regularly and sharing your best content.Track key analytics - Measure the performance of your posts to see how your audience is growing and how your followers are engaging with your content.I hope this answers your question.We use Buffer to manage our clients accounts for Vizified, a Pinterest influencer and marketing platform and we couldn’t recommend it enough :)
How do I fill my schedule without burning myself out?
Have certain weekly events scheduled on certain days. Wednesdays, I have a meeting with my support group at church. Every other Monday, I go out to dinner with my dad. Thursdays I go visit my dad. Have certain days free in case something comes up, but scheduling events on specific days that repeat- or even having certain days be activity days- is definitely an excellent method.
How can I add my business location on instagram"s suggested locations?
Making a custom location on Instagram is actually quite easy and gives you an advantage to other businesses because it allows you to drive traffic via location.First off, Facebook owns Instagram, therefore, any location listed on Facebook also appears on Instagram. So you are going to need to create a business location on Facebook.So let’s dive into how to create a business location on Instagram.Make sure that you have enabled location services through the Facebook App or in your phone settings. If you are using an iPhone, select “Settings” → “Account Settings” → “Location” → “While Using The App”You need to create a Facebook check-in status. You do this by making a status and type the name of what you want your location to be called. For example “Growth Hustlers HQ”. Scroll to the bottom of the options and select “Add Custom Location” then tap on it!Now that you’ve created a custom location you need to describe it. It will ask you to choose which category describes your location, which you will answer “Business”.After choosing a category Facebook will ask you to choose a location. You can either choose “I’m currently here” or you can search for a location that you want to create for your business.Finally, publish your status. Congratulations! You have just created a custom location to be used on Facebook and Instagram.Now you are able to tag your business or a custom location on Instagram.If you have any questions about Social Media Marketing for businesses feel free to check out GrowthHustlers.com where you can find tons of resources about growing your Instagram following.
What's something that sucks about being a software engineer?
Business Unit: We need you to build this thing by the end of Q1, next month.Engineer: I see• what is it that we’re building?BU: It needs to read documents into the systemE: What documents? Like hard copy documents?BU: We don’t know, but it needs to be done by next month.E: I’m going to need more information. Who is asking for this? Is there someone I can sit down with to figure out the details? What problem am I trying to solve?BU: I’ve already solved the problem, I just need you to build it. You’re the programmer, just get it done. E: We’ll see what we can do, but I really do need more details. BU: I just told you. Read the documents into the system, simple. Get it done.E: (Buys a scanner and sets it to read documents to PDF and send to some random person)BU: WTF is this?E: It reads documents and emails it so that it’s available in our email systemBU: That’s not what I asked for!E: …(finally agrees to a sit down for a few days in a requirements gathering sessions)(turns out they were really asking for us to build a search engine with Google-like functionality)E: We can’t just build google in a month• but we can probably enable PDF search to help this.BU: Just get it done(it’s now 1 week from due date)(PDF search was enabled and documents are now scannable and searchable)BU: Why doesn’t this work on my cellphone?E: What?BU: I need to be able to scan documents on my cellphoneE: In 12 hours of requirements gatherings, you didn’t ask for thatBU: I shouldn’t have to, that’s why I pay you. You should know these things.E: Ok but we’re going to have to build an entire phone app now. iPhone? Android? BU: Ok. We still need it by next week.E: We’re probably not going to be able to pull that off in a week…BU: Then we’ll find someone who canE: Ugh• lemme see what I can do(just happens to know Xamarin and spends the weekend building a super simple scanning app for both iPhone and Android)BU: Wait• do I have to take a picture of every page to scan it in with my phone?E: Erm• what did you think you would have to do?BU: I don’t know, but this is unacceptable and this was due today!E: *puzzled*BU: I need to hire better programmers.E: You need to hire a product manager.BU: I am an executive officer, I AM the product manager.E: /quit
Is it necessary to fill the schedule of FSI, TR & FA in ITR 2 by a permanent NRI?
I discussed the matter at Income tax helpline. According to them Schedule FSI, TA and FA are not applicable in case of NRI.
Do military members have to pay any fee for leave or fiancee forms?
NOOOOOOO. You are talking to a military romance scammer. I received an email from the US Army that directly answers your question that is pasted below please keep reading.I believe you are the victim of a military Romance Scam whereas the person you are talking to is a foreign national posing as an American Soldier claiming to be stationed overseas on a peacekeeping mission. That's the key to the scam they always claim to be on a peacekeeping mission.Part of their scam is saying that they have no access to their money that their mission is highly dangerous.If your boyfriend girlfriend/future husband/wife is asking you to do the following or has exhibited this behavior, it is a most likely a scam:Moves to private messaging site immediately after meeting you on Facebook or SnapChat or Instagram or some dating or social media site. Often times they delete the site you met them on right after they asked you to move to a more private messaging siteProfesses love to you very quickly & seems to quote poems and song lyrics along with using their own sort of broken language, as they profess their love and devotion quickly. They also showed concern for your health and love for your family.Promises marriage as soon as he/she gets to state for leave that they asked you to pay for.They Requests money (wire transfers) and Amazon, iTune ,Verizon, etc gift cards, for medicine, religious practices, and leaves to come home, internet access, complete job assignments, help sick friend, get him out of trouble, or anything that sounds fishy.The military does prall the soldier needs including food medical Care and transportation for leave. Trust me, I lived it, you are probably being scammed. I am just trying to show you examples that you are most likely being connned.Below is an email response I received after I sent an inquiry to the US government when I discovered I was scammed. I received this wonderful response back with lots of useful links on how to find and report your scammer. And how to learn more about Romance Scams.Right now you can also copy the picture he gave you and do a google image search and you will hopefully see the pictures of the real person he is impersonating. this doesn't always work and take some digging. if you find the real person you can direct message them and alert them that their image is being used for scamming.Good Luck to you and I'm sorry this may be happening to you. please continue reading the government response I received below it's very informative.   You have contacted an email that is monitored by the U.S. Army Criminal Investigation Command. Unfortunately, this is a common concern. We assure you there is never any reason to send money to anyone claiming to be a Soldier online. If you have only spoken with this person online, it is likely they are not a U.S. Soldier at all. If this is a suspected imposter social media profile, we urge you to report it to that platform as soon as possible. Please continue reading for more resources and answers to other frequently asked questions:  How to report an imposter Facebook profile: Caution-https://www.facebook.com/help/16... Caution-https://www.facebook.com/help/16...   Answers to frequently asked questions:  - Soldiers and their loved ones are not charged money so that the Soldier can go on leave.  - Soldiers are not charged money for secure communications or leave.  - Soldiers do not need permission to get married.  - Soldiers emails are in this format: john.doe.mil@mail.mil Caution-mailto: john.doe.mil@mail.mil anything ending in .us or .com is not an official email account.  - Soldiers have medical insurance, which pays for their medical costs when treated at civilian health care facilities worldwide • family and friends do not need to pay their medical expenses.  - Military aircraft are not used to transport Privately Owned Vehicles.  - Army financial offices are not used to help Soldiers buy or sell items of any kind.  - Soldiers deployed to Combat Zones do not need to solicit money from the public to feed or house themselves or their troops.  - Deployed Soldiers do not find large unclaimed sums of money and need your help to get that money out of the country.  Anyone who tells you one of the above-listed conditions/circumstances is true is likely posing as a Soldier and trying to steal money from you.  We would urge you to immediately cease all contact with this individual.  For more information on avoiding online scams and to report this crime, please see the following sites and articles:   This article may help clarify some of the tricks social media scammers try to use to take advantage of people: Caution-https://www.army.mil/article/61432/ Caution-https://www.army.mil/article/61432/   CID advises vigilance against 'romance scams,' scammers impersonating Soldiers  Caution-https://www.army.mil/article/180749 Caution-https://www.army.mil/article/180749   FBI Internet Crime Complaint Center: Caution-http://www.ic3.gov/default.aspx Caution-http://www.ic3.gov/default.aspx   U.S. Army investigators warn public against romance scams: Caution-https://www.army.mil/article/130... Caution-https://www.army.mil/article/130...   DOD warns troops, families to be cybercrime smart -Caution-http://www.army.mil/article/1450... Caution-http://www.army.mil/article/1450...   Use caution with social networking  Caution-https://www.army.mil/article/146... Caution-https://www.army.mil/article/146...    Please see our frequently asked questions section under scams and legal issues. Caution-http://www.army.mil/faq/ Caution-http://www.army.mil/faq/ or visit Caution-http://www.cid.army.mil/ Caution-http://www.cid.army.mil/ .  The challenge with most scams is determining if an individual is a legitimate member of the US Army. Based on the Privacy Act of 1974, we cannot prthis information. If concerned about a scam you may contact the Better Business Bureau (if it involves a solicitation for money), or local law enforcement. If you're involved in a Facebook or dating site scam, you are free to contact us direct, (571) 305-4056.   If you have a social security number, you can find information about Soldiers online at Caution-https://www.dmdc.osd.mil/appj/sc... Caution-https://www.dmdc.osd.mil/appj/sc... . While this is a free search, it does not help you locate a retiree, but it can tell you if the Soldier is active duty or not.  If more information is needed such as current duty station or location, you can contact the Commander Soldier's Records Data Center (SRDC) by phone or mail and they will help you locate individuals on active duty only, not retirees. There is a fee of $3.50 for businesses to use this service. The check or money order must be made out to the U.S. Treasury. It is not refundable. The address is:  Commander Soldier's Records Data Center (SRDC) 8899 East 56th Street Indianapolis, IN 46249-5301 Phone: 1-866-771-6357  In addition, it is not possible to remove social networking site profiles without legitimate proof of identity theft or a scam. If you suspect fraud on this site, take a screenshot of any advances for money or impersonations and report the account on the social networking platform immediately.  Please submit all information you have on this incident to Caution-www.ic3.gov Caution-http://www.ic3.gov (FBI website, Internet Criminal Complaint Center), immediately stop contact with the scammer (you are potentially providing them more information which can be used to scam you), and learn how to protect yourself against these scams at Caution-http://www.ftc.gov Caution-http://www.ftc.gov (Federal Trade Commission's website)
How can I get more people to fill out my survey?
Make it compellingQuickly and clearly make these points:Who you are and why you are doing thisHow long it takesWhats in it for me -- why should someone help you by completing the surveyExample: "Please spend 3 minutes helping me make it easier to learn Mathematics. Answer 8 short questions for my eternal gratitude and (optional) credit on my research findings. Thank you SO MUCH for helping."Make it convenientKeep it shortShow up at the right place and time -- when people have the time and inclination to help. For example, when students are planning their schedules. Reward participationOffer gift cards, eBooks, study tips, or some other incentive for helping.Test and refineTest out different offers and even different question wording and ordering to learn which has the best response rate, then send more invitations to the offer with the highest response rate.Reward referralsIf offering a reward, increase it for referrals. Include a custom invite link that tracks referrals.
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