Many people feel as if they're adrift in the world. They work hard, but they don't seem to get anywhere worthwhile.
A key reason that they feel this way is that they haven't spent enough time thinking about what they want from life, and haven't set themselves formal goals. After all, would you set out on a major journey with no real idea of your destination? Probably not! Top-level athletes, successful businesspeople and achievers in all fields all set goals. Setting goals gives you long-term vision and short-term motivation. It focuses your acquisition of knowledge, and helps you to organize your time and your resources so that you can make the most of your life.
Goal Setting – Think in terms of setting “SMART” goals
You could say that the whole human endeavour is geared towards setting and achieving goals. Goals are part of every aspect of life: how you conduct your relationships, what you want to achieve at work, the way you use your spare time... Everything comes down to priorities, and what you would like to accomplish in every aspect – whether you make a conscious choice or go with subconscious preferences.
Without setting goals or objectives, life becomes a series of chaotic happenings you don't control. You become the plaything of coincidence. Accomplishments like sending someone to the moon, inventing the iPod etcetera are the result of a goal that was set at some point. A vision that was charted and realized.
What is SMART goal setting?
SMART goal setting brings structure and trackability into your goals and objectives. Instead of vague resolutions, SMART goal setting creates verifiable trajectories towards a certain objective, with clear milestones and an estimation of the goal's attainabililty. Every goal or objective, from intermediary step to overarching objective, can be made S.M.A.R.T. and as such, brought closer to reality.
In corporate life and your personal life, SMART goal setting is one of the most effective and yet least used tools for achieving goals. Once you've charted to outlines of your project or objective, it's time to set specific intermediary goals.
What does S.M.A.R.T. goal setting stand for?
Why not think of a small goal you want to set right now, personal or professional. To make your goal S.M.A.R.T., it needs to conform to the following criteria: Specific, Measurable, Attainable, Relevant and Timely.
S.M.A.R.T. goal setting: Specific
What exactly do you want to achieve? The more specific your description, the bigger the chance you'll get exactly that. S.M.A.R.T. goal setting clarifies the difference between 'I want to be a millionaire' and 'I want to make $50,000 a month for the next ten years by creating a new software product'.
Questions you may ask yourself when setting your goals and objectives are:
S.M.A.R.T. goal setting: Measurable
Measurable goals means that you identify exactly what it is you will see, hear and feel when you reach your goal. It means breaking your goal down into measurable elements. You'll need concrete evidence. Being happier is not evidence; not smoking anymore because you adhere to a healthy lifestyle where you eat vegetables twice a day and fat only once a week, is. Measurable goals can go a long way in refining what exactly it is that you want, too. Defining the physical manifestations of your goal or objective makes it clearer, and easier to reach.
S.M.A.R.T. goal setting: Attainable
Is your goal attainable? That means investigating whether the goal really is acceptable to you. You weigh the effort, time and other costs your goal will take against the profits and the other obligations and priorities you have in life.
If you don't have the time, money or talent to reach a certain goal you'll certainly fail and be miserable. That doesn't mean that you can't take something that seems impossible and make it happen by planning smartly and going for it!
There's nothing wrong with shooting for the stars; if you aim to your improve your health by losing 100 pounds, how bad is it when you only 60 pounds? Not too bad...you still improved your health.
S.M.A.R.T. goal setting: Relevant
Is reaching your goal relevant to you? Do you actually want to run a multinational, be famous, have three children and a busy job? You decide for yourself whether you have the personality for it, or your team has the bandwidth.
If you're lacking certain skills, you can plan trainings. If you lack certain resources, you can look for ways of getting them.
The main questions, why do you want to reach this goal? What is the objective behind the goal, and will this goal really achieve that?
S.M.A.R.T. goal setting: Timely
Time is money! Everybody knows that deadlines are what makes most people switch to action. So install deadlines, for yourself and go after them. Keep the timeline realistic and flexible, that way you can keep your morale high. Being too stringent on the timely aspect of your goal setting can have the perverse effect of making the learning path of achieving your goals and objectives into a hellish race against time – which is most likely not how you want to achieve anything.
If you don't already set goals, do so, starting now. As you make this technique part of your life, you'll find your career accelerating, your personal life more fulfilling, and you'll wonder how you did without it!
EMERGE INSURANCE AGENCY
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EMERGE INSURANCE AGENCY: 904-677-5884
First and most importantly you need General Liability Insurance. Every business, even if home-based, needs to have liability insurance. The policy provides both legal defense costs and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party. If your company primarily is engaged in business-to-business transactions, you will probably be asked for proof of general liability insurance. And if your business is a tenant in building, the build owner may require proof of a general liability policy.
Next you need to consider Property Insurance, If you own your building or have business personal property, including office equipment, computers, and inventory or tools you should consider purchasing a policy that will protect you if you have a fire, vandalism, theft, smoke damage etc. You may also want to consider business interruption/loss of earning insurance as part of the policy (especially if you own a restaurant) to protect your earnings if the business is unable to operate.
There is a single policy that combines both general liability and property insurance. It is a Business owner’s policy or (BOP). A business owner policy packages all required coverage a business owner would need. Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance . Based on your company’s specific needs, you can alter what is included in a BOP. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.
You may also need Commercial Auto Insurance. Commercial auto insurance protects a company’s vehicles. You can protect vehicles that carry employees, products or equipment. With commercial auto insurance you can insure your work cars, SUVs, vans and trucks from damage and collisions. If you do not have company vehicles, but employees drive their own cars on company business you should have non-owned auto liability to protect the company in case the employee does not have insurance or has inadequate coverage. Many times the non-owned can be added to the BOP policy.
Another coverage that has become essential for businesses is Cyber Liability Insurance. Cyber insurance generally covers your business' liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver's license numbers and health records. Remember this type of loss is not covered under a company’s general liability policy.
If you are a lawyer, accountant, consultant, notary, real estate agent, printer, own a hair salon, therapist, or a technology provider you will need Professional Liability Insurance. This type of insurance is also known as Errors and Omissions Insurance. The policy provides defense and damages for failure to or improperly rendering professional services. Your general liability policy does not provide this protection, so it is important to understand the difference.
These may be the only coverage needs your business has, or you may have others. As an independent insurance agency Emerge Insurance Agency will work with you to assess all the risks that may impact your business. We will then work on your behalf to mitigate those risks with insurance policies the cover your risk at the lowest premiums we can find.
Call us and let us get to work earning you as a client.
Prior to July 1 2013 HOA's were not required to carry Crime Insurance or a Fidelity bond.
Florida Statute 720.3033 section 5 reads:
The association shall maintain insurance or a fidelity bond for all persons who control or disburse funds of the association. The insurance policy or fidelity bond must cover the maximum funds that will be in the custody of the association or its management agent at any one time. As used in this subsection, the term “persons who control or disburse funds of the association” includes, but is not limited to, persons authorized to sign checks on behalf of the association, and the president, secretary, and treasurer of the association. The association shall bear the cost of any insurance or bond. If annually approved by a majority of the voting interests present at a properly called meeting of the association, an association may waive the requirement of obtaining an insurance policy or fidelity bond for all persons who control or disburse funds of the association.
There are still many HOA's out there that have not caught up with this Law. Do your self a favor let us take a look at your policy to make sure you are covered and compliant with the law!
EMERGE INSURANCE AGENCY
If your homeowners association property has been damaged in a natural disaster—hurricane, tornado, flood, or fire there are some important steps you can take in the immediate aftermath to ensure your safety and minimize financial loss. Consider the following actions:
Enter with caution
Damaged homes or buildings after a natural disaster could be structurally unsafe; use extreme caution when navigating those areas, and don’t enter unless absolutely necessary. Debris and other hazards are unsafe.
Secure the property
In cases of significant structural damage or security concerns, determine whether the damaged area needs to be secured with temporary fencing or another type of barrier to keep out unwanted guests.
Notify your insurer
Resident’s should their insurance company or your homeowners associations insurance company to inform them there’s been a disaster and to file an official claim. The HOA manager may also be a first contact to help give direction. Take down the claim number and any relevant contact information for whomever will handle your claim. If your vehicle sustained damage, contact your automobile insurer.
Notify utility companies
If property damage includes disruption to water, gas or electric utilities, contact the companies right away to shut off service. Failing to do so could pose a safety risk to you or emergency responders in and around the disaster area.
Take photos of the damage
Beginning with the property’s exterior, take photographs of the damage. If it’s safe to enter the structure, take photographs of interior damage as well. These will important in handy for insurance purposes (especially claims adjudication).
Take inventory of your damaged belongings
Make a list of your damaged personal items and ensure you have photographs. Include the price of large appliances or valuable items with your list and, if possible, surviving receipts.
Depending on the time of year in Florida, the entire state is threatened by hurricanes or flooding. If you live in a homeowners association, find out about natural disasters you should prepare for and be sure to take action by having a plan in place.
EMERGE INSURANCE AGENCY
Cecil Williams -