Monthly Archives: June 2012

Thursday 6/28

Wednesday was an eventful day!  I was pushing through my work day following up on several quotes I had out, as well as ones where I was still missing information.  I got out and took pictures of the home of my first client early in the day as well.  I was planning to spend almost the entire afternoon on marketing, when I got a call from our son’s preschool that he was still there (he is done at noon over the summer) and needed picked up.  When I got there to get him, my wife had already been there to get him.  Pretty scary to get a call at work that your wife hadn’t been there to get him on time, and that you can’t get ahold of her on her cell phone.  I was definitely scared that she may have crashed somewhere and couldn’t make contact with anyone.

We took the afternoon and went out to the country to meet with her dad about his auto quote that I gave him last week.  Things are looking good to go forward with his quote, and while we were there I got the information to quote one of her brothers as well.  So what looked like a busted day, ended up fairing pretty well.  We got to enjoy some time at the pond fishing and I got some business completed too!

Kiptip #31 is all about tossing paper files you dont need anymore.  I am totally using this tip myself for sure.  I started throwing away some old bank receipts, credit card statements, etc. this last week.  Then some of the old paper files that do still need kept, I am starting to scan in and save them as a pdf for easier access and to clear some space in our house which is at a premium.  There are several companies that allow you to store information free on their server as well, so if your computer goes down and you can’t restore the documents the items you need can be accessed later from their website so you don’t lose those important items!

Make every day great,

Chris

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Tuesday 6/27

As a follow-up to my post yesterday about my wife finding her “dream home” on Friday.  Sunday, we met with a realtor about selling our current home.  Not really the best news to hear, because unfortunately it looks like to sell our house we are going to need to bring cash to closing.  If we can sell and get out of it flat, and take none of the equity out of the home I’d be happy with that, but I don’t know how I feel about paying to sell my house.  It’s hard to recognize the plan for where we should be going at this time.

Finally took to the pavement again this morning and attempted a run, ok well I actually accomplished a run, but man was it a struggle.  Going to hit my situps, leg raises, and push-ups as well here shortly after I finish the blog post.  Trying to get in shape before I start going to the high school cross country practices and get toasted by all the high school kids.

On Monday this week, I drove to Celina, Ohio to meet with the marketing rep for our agency and the underwriters that I will be working with.  It was a great learning experience, they helped my considerably to understand their farm programs better and what their appetite was for insureds.  I quoted one account with them yesterday, so hopefully we can get everything to fall in line soon because I was really impressed with their assistance.

Tuesday, I got through a couple quotes and one should really make a friend of mine happy.  I’ll be able to save her about 50 bucks a month on auto insurance.  This is the part of the job that I love, helping and educating people!

Make every day great,

Chris

 

Weekend update

Friday was a good start to the weekend.  I rolled out of the office to take a friend/prospect to lunch early afternoon and took the rest of the day working on a few marketing things.  I stopped into one of the local apartment complexes, and got an appointment to drop off items for their move-in packets.  I’m hoping this will be a good place for me to make some more contacts, since the people that usually rent there are usually the move up type of families that don’t just look to rent forever.

On a personal note, my wife and I went and looked at a fixer-upper home that she has completely fallen in love with already on 3 acres of land.  It would definitely take a lot of work and would be a little more expensive than the home we have now, but it would be a house we could live in for quite some time after the work was completed.

Saturday was an all-day affair at the Cincinnati Reds game.  Cayden and I took my brother and one of his friends to the game to get our bobbleheads and we got to see a good game.  Ok, so Cayden and I didn’t see much of the game but that’s what happens when you have a 3 year old ride 2 hours to the park, get into the game 2 hours before game time, sit through a 2 hour and 45 minute game, then endure the 2 hour drive home. It was definitely worth it, since Cayden got a bobblehead and a certificate for his first Reds’ game.

I’ll be back tomorrow to finish my update of the weekend and post about today’s events.

Make every day great,

Chris

Submitted the commercial account

I was pretty excited yesterday to be working on my first commercial account as an agent.  Let me just say, they excitement was probably a little over-blown.  In all actually, that probably isn’t true because if I can prove to be an asset to the commercial business maybe I’ll get an opportunity to give the owners a quote on their personal insurance.  The line of business is really pretty innocuous, the business owns farm land that they lease to other farmers.  Really not much exposure for a commercial account, just the land.  I thought the premium would come in a little higher, but it just shows the difference of where I worked in the Excess & Surplus Lines world versus where I’m at now and most of the business goes to admitted carriers.

Yesterday was pretty awesome, my grandma is giving us money (50 dollars) to go to a Cincinnati Reds game this Saturday so she can get a Sean Casey bobblehead.  My wife bought our 4 tickets for 67 dollars, so for very little out of pocket we get to enjoy a Reds game!  I also got quite a bit accomplished while our son was at swim lessons, trying to plan a workout program for the cross country team this fall.  If I get the runners to buy-in, we should be able to have a successful season for the boys and girls teams.

Kiptip #30 is near and dear to my heart as an independent insurance agent, reshop your auto, home and life insurance.  If you are working with an independent agent, you have that luxury already in hand!  Just call your agent and ask them to get you a quote through all the other carriers they represent.  It really can be that simple.  Another way to save some money on home or auto insurance is to raise your deductibles.  Depending on the carrier you can get some sizeable credits.  If you live in Ohio and would like someone to review your home, auto, or business insurance check us out at MMA Insurance and let them know that Chris directed you there and I’ll be more than happy to assist!

Make every day great,

Chris

First commercial account to quote

Yesterday was another day of primarily working on marketing materials.  I did quote a single auto that is looking like it will be another bind, so that is pretty awesome.  Then as we were about to close the office for the day, we got a call for someone looking for a farm policy.  I don’t think they will need an actual farm policy since they just own the farmland and will be leasing it to local farmers, just a standard lessor’s risk type policy form on the liability side and I’ll need to see if they have any silos or farm buildings that need insured.

Again skipped the planned workout for yesterday and I didn’t get the morning run in, so I probably will not be doing what I need to do again today.  Did get a few small things worked on around the house, although it’s the items that never cease: laundry and dishes.

Leviticus 9:24 “Then fire cam out from before the Lord and consumed the burnt offering and the portions of fat on the altar; and when all the people saw it, they shouted and fell on their faces.”  How often are we so blessed with seeing His glory, yet we do not respond to Him?  He is always doing amazing things we just need to be able to recognize them.

Kip Tip #29 is one that everybody needs to look into at least yearly, “Track down lost loot”.  Unclaimed.org is a great place to start looking for unclaimed funds from abandoned property and/or abandoned bank accounts.  Another good site to check is www.missingmoney.com.

 

Marketing day

Yesterday was kind of slow in regards to quoting of business that I already had in the pipeline and getting new business in, so I spent most of my day working on marketing.  My letter for day care marketing is ready and a few of them will be going out in the mail today.  This is a small niche that I feel really passionate about, because I love to see growth in children and I know that by helping out the wonderful people that work to build the children up, I am in a small way contributing to their success.

I once again skipped my workout, I also skipped it this morning, so it looks like I’ll have to get my run in this evening.  My little brother ran a few sprints yesterday to test his 40 yard time.  I didn’t think it was too bad and it gives him something to build on.  I enjoyed our home group bible study last night and particularly liked what I heard in the bible study podcast I listened to yesterday.  “And he was saying to them, ‘A lamp is not brought to be put under a basket, is it, or under a bed?  Is it not brought to be put on the lampstand?'” – Mark 4:21 This really pressed me to think in what ways do I not let the Lord’s light shine in my life?  How do I try to hide things that I have done or said that do not allow the light to shine for others to see?

Kip Tip #26, how do I find the right person?  What a great question, regardless of whether you are seeking out financial advisors, insurance agents, or some other professional.  The key is to ask the right questions.  Find out if they have other clients with the same characteristics that you have.  Make sure that they are available to meet with you, you shouldn’t go with someone who doesn’t have the time to have face to face meetings or phone calls but is just all about high volume turnover.  The main key is getting to know the person with whom you will be working, make sure that they are willing to be open and honest with you.

Make every day great,

Chris

First client

On Friday, I was able to obtain my first client other than myself.  It was a pretty exciting day for me and a real boost of confidence to the beginnings of this new career.  I feel like I have a few more opportunities coming up real soon, so hopefully I’ll be able to secure those accounts as well and have a great first month.  I’ve exceeded the premium goal that the agency owner put in place for the first month, so that is good, but I’m impatient and want to take on the world!  Today will be more marketing for sure, I’ve got to reach out to the daycare facilities in Licking County.

My exercising is again falling off the wagon, I have got to find someone to hold me accountable to my workout plans every day.  Send me an email or message me on facebook or something, because I need to keep things rolling.

Had a great weekend for Father’s day, I love being a dad.  Right now my son is going through an independence stage, but it’s funny when he reaches back out to get some help.  I love being there for him.  Read an awesome quote by Jon Gordon, “I don’t want my child to be what I want him to be.  I want him to be everything that God created him to be.”  This is without a doubt my thought on being a dad too.

Make sure you do at least an annual review of your investment portfolio (be that 401k, IRAs, taxable accounts, etc.).  Were they areas that fell short of what you expected?  What about high flyers?  Make sure that at least annually you are rebalancing your portfolio, because it is very likely that the investment that did the best last year, will not continue to outperform in the next year.  Another very important thing to review is how much you are paying in fees.  If there are similar investments that you are looking into, consider taking the one that has lower fees.  Lower fees = higher returns if both funds have essentially the same underlying investments.

Also, a quick not of congratulations to Webb Simpson for his outstanding performance at the US Open.  Solid under par round on Sunday, way to bring it!

Make every day great,

Chris