The Secrets to Asset Protection to Protect Your Human Resources Assets

Asset protection comes in many different forms. At its most complex asset protection will include such things as multiple legal entities and trusts. Whilst at the other end of the spectrum, asset protection also include such mundane items as insurance. One area that is not considered very often, however, are human resource assets when it comes to asset protection. And it is this area, that I will be considering in this article.

Okay, so what is asset protection as it relates to human resource assets? It is a fact that the number one asset of most businesses is its staff. And depending on how hard they work, their efficiency, and the way that they are perceived, will also tend to indicate how successful the business will be. What this means is that when considering asset protection strategies, a business should not only be looking in terms of protecting their cash assets. But also in terms of looking at measures that could control, protect and nurture their human resources assets.

There are several ways that asset protection can be applied to human resources. Firstly, there are contractual ways that it can be applied. So for example, a good first step in any business is to establish which of your staff are key staff and then lock them into binding, longer term contracts.. Now, it is common when entering a business and asking the owner of the business which of their staff are 'key', to receive the answer. "All my staff are key". And in some ways this is correct, because all of the staff and do add to the bottom line of the business. But in reality, the staff that you employ in your business all still follow the Pareto principle, which is that 80% of your results, come from 20% of your actions. What this means in terms of staff hiring, and in terms of asset protection when it comes to your staff, is that 20% of your staff, produce 80% of your results. So you really need to identify which are the 20% who are having a massive impact within your business.

Considering asset protection within this framework, it becomes increasingly clear that there are relatively small amount of human resources assets. That actually produce the bulk of your profits. And when you start to realize this is also the time when you start to realize that you need to put measures in place, in order to keep them. Because they are worth far more to you than you can possibly imagine.

For the very latest information about asset protection find legal firm and other asset protection resources. Visit http://www.News-Clinic.info where you can also learn about asset information management systems

Secrets to Getting the Right Protection for Your Nursery, Pre School or Kindergarten

For many people and businesses insurance is something they would rather not have to purchase.

Most people don?t want Insurance. Most people don?t like insurance.

What you probably do want is protection for your family, your loved ones, your business and the things that are most important to you. The mere mention of Insurance may very well make a vast number of people think of words like:

Rip-off, too expensive, waste of money, doesn?t pay claims, annoying, boring and some much worse!

The truth is though for most people and businesses Insurance is required as it provides them with protection and peace of mind.

With literally thousands of insurance companies, brokers and providers you are faced with a massive choice. So faced with decisions at every turn finding the right cover for you, your Nursery, Pre-School or Kindergarten is sometimes difficult.

This article will therefore give you some free advice that insurance providers rarely share with their customers. These few steps should help you in your quest to find the cover that is best for you at the right premium and with the best service.

Secret Number 1

The first secret to making sure you get the right cover at the right premium is perhaps the one that most people will find hardest to believe but it really works.

Are you sitting comfortably??? Here it is:

When you find yourself ringing around for quotes (and for anyone looking for Nursery Insurance I would recommend buying face to face or on the phone rather than online) the chances are you will be asked ?What?s your current premium?? or ?What?s the best price you?ve had??

The single biggest mistake people make when asked this question is to not tell the person asking the question. That?s right, when you are asked the best price you?ve had TELL THEM.

Most people assume that by telling an insurance provider your premium you are at a disadvantage. The truth is the opposite is true. Let me explain:

If you tell a good insurance provider your premium they should pretty much know straight away whether the premium is too high, too low or about right. Armed with this information they could give you an immediate indication if they can get a lower premium. If they know they can?t they can tell you and save you time.

Another reason you should tell the person if they ask your premium is because the vast majority of insurance companies won?t give you the best price unless they have something to beat. Let me say that again, if you don?t give your broker or company a price to beat, the chances are you won?t get the best premium. However, if you do tell them, they can use this information when dealing with the insurance company which ultimately can save you money.

One final tip on this matter is, don?t be tempted to make up a price. For example, Mrs Blogs is looking for Nursery Insurance and she has a best price of ?2500.00. She thinks it?s too much money so when asked the magic question of ?What?s the best price you?ve had so far?? she decides to go in low at ?1800.00. By doing this most companies will know the price seems low and many won?t even provide a quote. Whereas had Mrs Blogs been up front and said ?2500.00 there?s every chance she could have saved some money.

Therefore Secret Number 1 is be totally honest when looking for insurance as it?s the best way to make sure you get the best premium. Give it a go...it really works.

Secret Number 2

Secret number 2 is common sense but so many Nurseries fail to make sure it happens because they are focusing on the price. The second way to ensure you get the right cover is therefore to use an insurance provider who has an understanding of your requirements.

You can establish this by listening to what questions they ask, how they ask them and how they react to what you are saying. If they enter into a conversation about your Nursery it?s likely to be because the more information they have about your circumstances, the better cover, the better premium and the better service they can provide you.

If the conversation is very scripted and they either don?t understand what you?re looking for or don?t ask the type of questions you would expect there is every chance it?s because they don?t have a real understanding of your business. If this is the case you risk not getting the right cover and ultimately not being correctly insured.

Secret Number 3

Secret number 3 is ask questions. So many people ring around looking for Nursery insurance, Pre-School Insurance or Kindergarten Insurance and spend the entire conversation answering questions. Secret 3 is therefore ask questions to find out if they provide not only the right cover and premiums but also the right level of customer service. Types of question you might want to ask are:

In the event of a claim what will they do to help you and to ensure your claim is settled as quickly and as favourably as possible? Do they just give you a telephone number and leave you to it or do they offer help when you most need it? Are they experienced? How long have they been trading? If it?s a Broker, which Insurance companies do they use? Again, if they are Brokers are they independent? That is, do they have access to numerous policies and insurance companies or are they tied into just one?

By getting answers to these questions you can then a make a decision on whether you would like to deal with them (and whether you trust them to act on your behalf.)

Secret Number 4

The fourth and final secret to making sure you get the best from your insurance provider is another which may not seem right as Insurance is one of the most price sensitive purchases a Nursery, Pre-School or Kindergarten will make.

With this in mind many Nurseries, Pre-Schools and Kindergartens make the decision on where to place their insurance on price alone. I would advise anyone looking for Nursery insurance, Pre-School Insurance, Kindergarten Insurance or indeed any kind of Business Insurance is NOT TO ASSUME THAT CHEAPEST IS BEST.

Whilst getting a low premium is one of the most important things to look for, a really cheap premium without a combination of other factors is probably cheap for a reason. Things you may want as well as a low premium are:

Are they local? Are they friendly and approachable? (we all prefer doing business with people we like) Who are the insurance company? Have you heard of them? What is the excess? Make sure the excess is one you agree on and not one given just to give you a low premium Do they have a good reputation? Do they listen to you and explain things in a way that you understand?

If you follow these 4 simple secrets there is every chance your experience when dealing with Insurance for your Nursery, Pre-School or Kindergarten will improve. And whilst I cannot guarantee that Insurance will become your number 1 hobby (in fact I?d be a little concerned if it did!) there is every chance the cover you get will be what you want, the premiums you pay will be less than you?ve paid before and the service you receive will be one you would be happy in giving and one you would be happy to recommend.

The secrets to getting the right protection for your Nursery, Pre School or Kindergarten was compiled by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers.

The Secrets To Getting The Right Protection For Your Nursery, Pre School Or Kindergarten

For many people and businesses Insurance is something they would rather not have to purchase.

Most people don?t want Insurance. Most people don?t like Insurance.

What you probably do want is protection for your family, your loved ones, your business and the things that are most important to you. The mere mention of Insurance may very well make a vast number of people think of words like:

Rip-off, too expensive, waste of money, doesn?t pay claims, annoying, boring and some much worse!

The truth is though for most people and businesses Insurance is required as it provides them with protection and peace of mind.

With literally thousands of insurance companies, brokers and providers you are faced with a massive choice. So faced with decisions at every turn finding the right cover for you, your Nursery, Pre-School or Kindergarten is sometimes difficult.

This article will therefore give you some free advice that insurance providers rarely share with their customers. These few steps should help you in your quest to find the cover that is best for you at the right premium and with the best service.

Secret Number 1

The first secret to making sure you get the right cover at the right premium is perhaps the one that most people will find hardest to believe but it really works.

Are you sitting comfortably??? Here it is:

When you find yourself ringing around for quotes (and for anyone looking for Nursery Insurance I would recommend buying face to face or on the phone rather than online) the chances are you will be asked ?What?s your current premium?? or ?What?s the best price you?ve had??

The single biggest mistake people make when asked this question is to not tell the person asking the question. That?s right, when you are asked the best price you?ve had TELL THEM.

Most people assume that by telling an insurance provider your premium you are at a disadvantage. The truth is the opposite is true. Let me explain:

If you tell a good insurance provider your premium they should pretty much know straight away whether the premium is too high, too low or about right. Armed with this information they could give you an immediate indication if they can get a lower premium. If they know they can?t they can tell you and save you time.

Another reason you should tell the person if they ask your premium is because the vast majority of insurance companies won?t give you the best price unless they have something to beat. Let me say that again, if you don?t give your broker or company a price to beat, the chances are you won?t get the best premium. However, if you do tell them, they can use this information when dealing with the insurance company which ultimately can save you money.

One final tip on this matter is, don?t be tempted to make up a price. For example, Mrs Blogs is looking for Nursery Insurance and she has a best price of ?2500.00. She thinks it?s too much money so when asked the magic question of ?What?s the best price you?ve had so far?? she decides to go in low at ?1800.00. By doing this most companies will know the price seems low and many won?t even provide a quote. Whereas had Mrs Blogs been up front and said ?2500.00 there?s every chance she could have saved some money.

Therefore Secret Number 1 is be totally honest when looking for insurance as it?s the best way to make sure you get the best premium. Give it a go...it really works.

Secret Number 2

Secret number 2 is common sense but so many Nurseries fail to make sure it happens because they are focusing on the price. The second way to ensure you get the right cover is therefore to use an insurance provider who has an understanding of your requirements.

You can establish this by listening to what questions they ask, how they ask them and how they react to what you are saying. If they enter into a conversation about your Nursery it?s likely to be because the more information they have about your circumstances, the better cover, the better premium and the better service they can provide you.

If the conversation is very scripted and they either don?t understand what you?re looking for or don?t ask the type of questions you would expect there is every chance it?s because they don?t have a real understanding of your business. If this is the case you risk not getting the right cover and ultimately not being correctly insured.

Secret Number 3

Secret number 3 is ask questions. So many people ring around looking for Nursery insurance, Pre-School Insurance or Kindergarten Insurance and spend the entire conversation answering questions. Secret 3 is therefore ask questions to find out if they provide not only the right cover and premiums but also the right level of customer service. Types of question you might want to ask are:

In the event of a claim what will they do to help you and to ensure your claim is settled as quickly and as favourably as possible?

Do they just give you a telephone number and leave you to it or do they offer help when you most need it?

Are they experienced? How long have they been trading? If it?s a Broker, which Insurance companies do they use?

Again, if they are Brokers are they independent? That is, do they have access to numerous policies and insurance companies or are they tied into just one?

By getting answers to these questions you can then a make a decision on whether you would like to deal with them (and whether you trust them to act on your behalf.)

Secret Number 4

The fourth and final secret to making sure you get the best from your insurance provider is another which may not seem right as Insurance is one of the most price sensitive purchases a Nursery, Pre-School or Kindergarten will make.

With this in mind many Nurseries, Pre-Schools and Kindergartens make the decision on where to place their insurance on price alone. I would advise anyone looking for Nursery insurance, Pre-School Insurance, Kindergarten Insurance or indeed any kind of Business Insurance is NOT TO ASSUME THAT CHEAPEST IS BEST.

Whilst getting a low premium is one of the most important things to look for, a really cheap premium without a combination of other factors is probably cheap for a reason. Things you may want as well as a low premium are:

Are they local?

Are they friendly and approachable? (we all prefer doing business with people we like) Who are the insurance company? Have you heard of them?

What is the excess? Make sure the excess is one you agree on and not one given just to give you a low premium

Do they have a good reputation?

Do they listen to you and explain things in a way that you understand?

If you follow these 4 simple secrets there is every chance your experience when dealing with Insurance for your Nursery, Pre-School or Kindergarten will improve. And whilst I cannot guarantee that Insurance will become your number 1 hobby (in fact I?d be a little concerned if it did!) there is every chance the cover you get will be what you want, the premiums you pay will be less than you?ve paid before and the service you receive will be one you would be happy in giving and one you would be happy to recommend.:

The secrets to getting the right protection for your Nursery, Pre School or Kindergarten was compiled by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers.

The Best-Kept Secrets In Child Protection

Photo ID - Good to start an initial search of a missing child if it is up to date. It is only good to start the search with! Please do not rely on it to find your missing child! Just think about how many people can you show it to; see my point. Sign up for our weekly newsletter and get all the information you need to protect your children. Gte it now!!! http://www.protect-a-kid.com/newsletter.htm

Private Investigator that specializes in crime prevention and missing children recovery. Totally dedicated to child safety.

Family Meetings 101Deborah Shelton

Family meetings provide opportunities for feelings to be
aired and validated. They also allow younger children to
feel they are an important part of the decision-making
process when it comes to family vacations and other major
and minor family functions.

Before the first meeting commences, set a few ground rules
such as:

* Speak in a calm tone.
* Avoid name-calling, finger-pointing, and sarcasm.
* Turn off the TV, radio and telephones.
* Allow each person to voice his or her concerns and ideas.
* Listen to all opinions before making a decision.
* If a person voices a complaint, they must also bring to
the table at least one possible remedy to the situation.

Locations for future family meetings may also be
brainstormed at the first meeting. Here are a few examples:

* Circle Time
Very simply, sit on the floor together, in a circle.
Designate an object as a "talking token". This can be a
small stuffed animal, a necklace to be worn, a hat, or any
other item that will be passed around. Whoever holds the
talking token may speak. Once they are finished, they must
pass the token to the next person.

* Restaurant Rendezvous
Take turns choosing a favorite restaurant to host your
family meetings. For this option, choose an afternoon or
evening in the middle of the week, or at off-peak times, to
avoid heavy crowds. End the meeting before dessert arrives,
so everyone can indulge their sweet tooth happily.

* Hobby Haven
I know of several families who hold their meetings at
places that cater to their favorite hobbies. For instance,
one family conducts their meeting at a bowling alley. Once
the meeting is over, they enjoy bowling together. Another
family combines their gathering with their love of books,
by meeting at a caf in their favorite bookstore. And yet
another family I know holds their weekly meeting after a
joyful round of put-put golf. This option combines family
communication and fun.

However, and wherever, your family decides to host the
meetings, remember this all-important point: Always end
each meeting with a hug!

Deborah Shelton is a mother, freelance writer, and author
of the brand new book, "The Five Minute Parent: Fun & Fast
Activities for You and Your Little Ones." Visit Deborah's
website for more family-friendly ideas:
http://www.fiveminuteparent.com

Escrow Analysis

Eventually the funds are sent over by the title company and once received are either deposited into the Escrow Account to balance the account, or refunded to a Corporate Advance if the company already paid to begin their escrow. If they are deposited into the Escrow Account, this causes a delay in them receiving, which again is an economical factor that is at no fault of their own. Once a duplicate deposit is received, more than likely an overage will be in the Escrow Account. Although this works in favor of the borrower, they will not receive the overage until an Analysis is done, which takes place annually, therefore; they wait to receive their money.

Taxes and Insurance also tie into the Escrow Analysis. A problem occurs for the borrower if the previous servicer did not pay taxes as they were required to do before the loan transfers. Late payments for taxes incur penalties, and unfortunately the penalties are paid with the disbursement out of the borrower?s Escrow Account. Although the penalties are not an astronomical amount, it still is unjust to charge these to the borrower. The biggest problem in this issue is if the taxes are not paid in time from the new servicer. If the taxes are delinquent, and the new servicer is not aware of this, the tax collector may place the property under a tax sale at the extreme end of this issue. A tax sale frightens the borrower as it should, since they are relying on someone else to take care of this. Once the property goes to tax sale additional fees are incurred. In addition to penalties, it is up to the new servicer to help them re establish their tax payments and save their home from being sold. As these issues are typically resolved, this is not often an issue, however; it is a possibility and borrowers should beware.

When a transfer of servicing takes place a Transfer of Servicing Disclosure is required to be provided to the borrower by their current servicer. This provides information that the loan may be sold. This is required to be provided to the borrower at the time of their application or within three business days. This is particularly important for the borrower to receive since they may not be aware that their loan may be sold. When the loan is actually sold, a Goodbye Letter is sent to the borrower at least fifteen days before the loan actually is sold. Once the funding takes place to the new servicer, the new servicer is required to provide a Welcome Letter. The Welcome Letter advises of the new servicer, as well as the address to make the payment. It is especially crucial for both the Goodbye Letter and the Welcome letter to be sent to the borrower as required. If there are errors by the mortgage companies in sending these letters the borrower?s will be misinformed as to where to make their mortgage payment. This process is the cause of payments being sent to the incorrect company.

The article was produced by the writer of masterpapers.com. Sharon White is a senior writer and writers consultant at Term Papers writing. Get some useful tips for psychology dissertations writing and dissertation help .

What is Software Escrow?

An escrow legal service is an authorized procedure in which any commodity or a property is given to the third party upon the fulfillment of some predefined conditions or contracts. The property can be any asset, money, website domain or even a software code as explained above. Once the deed is fulfilled, the escrow agent delivers the asset held to the third party. In case the condition has not been fulfilled, the escrow amount is maintained.

At times, it is not necessary to hold the legal duties of a trustee on the escrow company, this often leads to negligence on the part of the two parties involved.

People often hire services to get their software codes written by an expert professional, it sounds interesting and a wonderful solution to a problem. However there are things that can go wrong. Software escrow is one way of protecting you in certain types of projects when certain things go wrong.

When you lease out the work of writing a software code for you, one important thing to think over is that whether the source code that has been developed belongs exclusively to the developer, or whether you get a copy. If you do, you have the safety of being able to have someone else make changes or fix bugs in the future, but the developer is giving up some of his or her potential control of that software. If the developer retains the source code and you don't have access to it, then you are dependant on the developer for all future updates. Typically developers will charge more if you get the source code.

Just imagine, if the developer goes away or if all your code disappears? That's where software or Escrow services software comes into play.

As an agreement, you and the developer aggress to hand over the completed source code to a third party escrow company or an escrow agent. The agreement states the conditions where that agent would be allowed to release the source code to you. For example one of the conditions might be the developer's bankruptcy or going out of business for other reasons. By using software escrow, the developer is protected as long as it makes sense for them to retain control, and you are protected should the developer disappear. (Naturally other conditions might trigger the release, but the developer's going out of business is a clear example.)

Escrow software simply means to deposit the source code of a software into the account which is held by a third party. Software Escrow is requested by a party to ensure the maintenance of the software. The code of the software is released to the holder, if in case he faces bankruptcy and has files for it. In case, he is not able to maintain an upgrade the software regularly, the source code is released.

Randell Rogfend is a father of three children who has had a long and fulfilling writing career. His passion is writing and he has contributed to countless newspapers, magazines and books. www.escrowsoftware.ixzc.com The following site is his collection of articles about his latest interest: www.escrowsoftware.ixzc.com/software%20escrow%20agent.

How To Use A Escrow When Dealing In Real Estate

In real estate transactions, there needs to be a way for the buyer to guarantee that the seller will indeed pay the funds agreed upon.

Similarly, the buyer needs a way to guarantee that, once his or her deposit is paid, the seller will hand over the deed or title to the property.

This is where escrow comes into play and can help make both parties life easier.

What is Escrow?

As a for sale by owner home seller, you are responsible for setting up, or opening, the escrow account. The escrow agent will be a third-party who is responsible for holding the title or deed to the property as well as earnest deposits made on behalf of the buyer. The purpose of an escrow is to hold legal documents and money until certain conditions, agreed by you and the buyer. The escrow agent will hold money and property ownership until these conditions have been met.

In many for sale by owner transactions, both the seller and the buyer open escrow accounts. There is no standard way of one or the other. Rather, it depends on what you and the buyer agree.

To process your escrow instructions accordingly, the escrow agent might ask you for several pieces of information. You might not have all the information available immediately, but you should get it to the escrow agent as soon as possible. This information includes, but is not limited, to the following:

?Your (the seller) name and address
?Buyer?s name and address
?Purchase agreement
?Amount of deposit
?Buyer?s insurance agent
?Lender?s or other financing party?s information
?Termite report information
?Closing date

If there is an earnest money deposit, the escrow agent will place it into a separate escrow account. The agent will then order a title search. In addition to you and the buyer, the lender will receive a report of this information. Any loan and interest fees charged by the lender will be included in the escrow instructions.

Choosing an Escrow Agent
When you are choosing an escrow agent, there are several factors that you should take into consideration. If you are working with a real estate attorney, he or she might be able to act as the escrow agent as well. In any case, here are some tips on choosing an escrow agent.

?Choose a reputable escrow agent or company. Friends or family who have recently sold property are good places to get recommendations for an escrow agent. Ask the references about their experience with the agent. Did he return phone calls in a timely manner? Was he courteous and professional? Was he knowledgeable?

?Choose an escrow that has experience in for sale by owner housing transactions. It is best to choose an escrow that has previously worked in a transaction in which the seller did not work with a real estate agent.

?Choose an escrow with reasonable rates. Since rates vary from one company to the next, it is a good practice top shop around to get an idea of the rates that are available.

After talking with several escrow agents and getting a feel for their professionalism, experience, and rates, you are prepared to make an educated decision.Download 101 Free House Selling Secrets Here: 101 House Selling Secrets