Battling mediocrity

Had a small forgetful moment where I used the word pathetic, even in hindsight I stand by my usage.  Fortunately the majority of people I surround myself with think in a similar pattern to me but on occasion a small thinker not interested in helping those around them swims the moat and sneaks through the protective positive wall I have set up.  So what do you do?

YOU RUN THEM OUT OF TOWN AS QUICKLY AS POSSIBLE.  Not to be rude, just because their negativity can be a hindrance to your positivity and who wants that.  Not me.  See if people continue to accept mediocrity you are just as much to blame as the carrier of this hazardous condition.

Do you think about where you spend your money?

I do, as a matter of fact I think about it a lot.  Do the people I am paying actually appreciate it?  How far are my dollars going?  Does the company I am choosing to work with share some or all of my non-negotiable principles?  Do they even have principles?

Now I know sometimes you and I just need to go to the big box store or shop on-line, but when we can what option do we choose.  EVERY bit of paper my company buys is 100% recycled.  Now in theory this costs more per piece but it would cost me more to sacrifice my principles.  If a better option is available why not go for it.

Managing the market vs your market, no difference in real estate and insurance

So two of the articles I read over the last few days were about market conditions in Insurance and Real Estate.  Trying to stay up on what is going on around me I read them both and was equally disappointed with the generalizations and ignorance that both had.  In a lot of my reading there are articles geared towards consumers, some towards agents/brokers and some towards company employees.  These must have been towards company employees who have no idea what is actually happening or agents/brokers who love to complain.

What does your agent do for you?

So the agent you hire, yes you actually hire an agent since a piece of the money you pay to the insurance company is paid to the agent, What do they actually do?

They gather your information and type it into a computer.  Then they hopefully come up with a competitive rate for whatever insurance you are looking for.  Next, they hopefully make it easy to place the coverage with the new company.  Now hopefully somewhere in there they think, that’s right they actually think about you, your home, your cars, etc and help you make a good decision.  An agent should actually ask you questions and not just about numbers.  Here are a few;