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If, like many people, you have thought about making money from home but never took the steps to make this dream a reality, you should rethink this decision. It is possible, and sometimes even easy, to make money from home. Sure, they might include some work, but easy ways to make money from your home are perfect for those who are tired of commuting each day and would like to spend more time at their favorite place: home.

Whether your ultimate goal is to make a living working from home, enabling you to quit your current job, or if you just need some extra money, you can make money online. You simply need to look at some of the online opportunities that are available, and decide if your skills and interests are a good fit.

Some of the most popular online opportunities that are good for beginners are internet marketing and affiliate marketing. Neither requires experience, and most people get the hang of it pretty easily. You simply have to apply marketing tactics to the internet, trying to get potential customers to purchase a company's product or service. For every product you help sell, you make a percentage of that profit. It is akin to commission, which might sound familiar to salespeople. This opportunity is definitely easier if you have worked in sales before, but again, anyone can start out doing this. You never know, you just might be great at it.

You should also look at your hobbies and decide if there is a marketable skill there. Do you like to fix computers or internet connections? Do you love to sew, care for children, or cook? Sometimes, a hobby that you think is easy is a skill that many people would love to have, and would pay you to do. They might not want to do certain things on their own, and their time is often worth more than their money. If this is the case, you can make money doing something you love and that comes easily to you. Many people would love to be able to do this.

If you happen to love to edit, write, design websites, counsel people, or style hair, you can perform these services from home. You might not be selling a product, but you have a service that many people would pay for. The fact that you have no company overhead since your home is your office means that you can charge a little less than many companies do. Once you build a large client base, you can start charging the same as other companies, meaning you make more profit. There are plenty of other tricks of the trade you will find out once you find easy ways to make money from your home.

To learn more about Easy Ways To Make Money From Your Home, visit Brian's Abunza website.

Author: Brian McCoy is a six figure earner and one of the top income earners in the home business industry. Brian works with entrepreneurs around the world. He devotes the time, energy, and effort into his team and works with them to ensure their success.

If you are one of the millions of people who would love to stay home and make money online, know that it is possible. The hardest part about the process is usually just finding out what you want to do, and then researching if it is in fact possible to make money at home online with whatever you have chosen.

Even if your first love is filling out surveys, you can make money. In fact, this is actually a very popular way to make money online. Surprisingly, many survey companies pay pretty well for you to simply sit at home and tell them your opinions. Filling in a bubble or writing in an answer takes very little concentration, so you can fill out surveys while watching television, listening to music, or even while your children play or sleep in the same room.

Clearly, this job does not take much education or experience, so everyone is eligible and has the power to do very well. Most survey companies pay between five and seventy five dollars per survey. So if you want to quit your regular job and stay home filling out several surveys each day, it is possible.

By now you probably realize that this is not a get-rich-quick opportunity. How many of those really work anyway though, right? This fact only proves that the survey business is not a scam. In just a few hours each day, this business will likely allow you to pay all of your bills. If you just want to do it for extra money on the side when you get home from work, you can do so as well. Even tired minds can fill out surveys while relaxing. There is not usually a limit or minimum that you have to do, so you have a lot of control over this business.

The system requirements are very minimal as you just need a computer, internet access, and a printer. This makes it definitely available to just about anyone. Such requirements mean that you do not have to go to the mall or a store like past survey takers often had to do, yet you still get paid well for just voicing your opinion. In many cases, since companies save money from operating purely online and thus not having any overhead, you actually get paid more per survey than in the past, and for less work and no travel.

Overall, if you love giving your opinion, you might as well get paid for it and make money at home online.

To learn more about a Great Way To Make Money At Home Online, visit Brian's Perfect Wealth Formula website.

About the Author: Brian McCoy is an industry leading internet marketer and President and CEO of McCoy Marketing Group. His mission is to develop leaders into full time home business entrepreneurs.

Insurance agents can be some of the most important people you'll ever do business with. They will help you protect your property, your assets and your finances. The work of an insurance agent has the potential to save you from financial ruin.

You could go through your whole lifetime and not need the services of an attorney. You could live and die and not have to use an accountant. But you can't live in "the real world" without insurance agents.

But remember...it's YOUR responsibility to learn which coverages are right for you.

Have you ever heard a story from a friend or relative who filed an insurance claim, only to find out that the coverage their agent promised was not there? I hear those stories ALL THE TIME, and at the WORST POSSIBLE TIME...AT CLAIMS TIME!

I began my insurance career as an agent in 1973. I kept my agent licenses active until 1992 when I became an insurance adjuster. During that period of time, I sold nearly every kind of insurance imaginable. That gave me a depth of experience in insurance sales. But all of that experience did not make me an expert in insurance. I learned risk analysis and sales techniques. But I don't think that I ever had one minutes' training in how to handle a claim. When my clients had a claim, I gave them the company's phone number and told them to call it in. We occasionally filled out an Acord form, which is a standard industry form for filing a claim. That was all we did.

The best agent is a person who has spend time studying insurance, not a person who is an expert in sales. The largest percentage of insurance agents of all types are sales people, not insurance experts. Your agent may or may not be an expert in insurance. You'll have to simply ask your agent what his education level is.

There are a lot of colleges and universities that offer degrees in insurance today. In our area, the University of Georgia offers degrees in Risk Management and Insurance. It's a pretty well-respected program.

Agents can also become experts in insurance by going through continuing education, such as the Certified Property Casualty Underwriter (CPCU) education program. Life insurance agents can achieve the Certified Life Underwriter (CLU) professional designation. There are other designations available to agents, but those two are the most widely accepted educational programs.

Agents in most states also have to complete a state-required number of Continuing Education hours each year in order to maintain their insurance licenses. If they don't complete the hours, the state cancels their licenses.

An agent has a duty to you, called the "fiduciary duty." That means that he must keep your financial well-being first in his priorities. If an agent sells you an insurance policy because it has a higher commission than another policy, he has breached his fiduciary duty to you.

Agents usually carry a type of liability insurance called "Errors and Omissions" liability insurance. Errors and omssions (E&O) is the insurance that covers the agent's company, or the agent individually, in the event that a client holds the agent responsible for a service he provided, or failed to provide, that did not have the expected or promised results. This protects agents and their clerical staff from liability due to negligent acts, errors and omissions while conducting their business. It will protect the agent from problems like the following examples:

1. loss of client data. The agent simply loses your file, physically or electronically.

2. system or software failure. Computer at the agent's office crashes and all data is lost.

3. negligent oversell. The agent sells you coverage you don't need, or sells you coverage limits higher than necessary.

4. claims of non-performance. This is a broad category but needs to be. This could include charges that an agent did not sell the proper policy, or the proper amount of coverage.

The number 4 example above is the most prevalent and most dangerous for agents. Here's why.

People today have multiple insurance exposures, like:

auto physical damage

auto liability

uninsured or underinsured motorists exposures

homeowner physical damage

homeowner liability

excess liability

businessowner physical damage

businessowner liability

home-based businesses

life insurance needs

health insurance needs

disability insurance needs

Any one of the exposures listed above can effect any of the others. They are intricately woven together in each of our lives.

Any agent doing business in the modern world should do an insurance analysis of any prospect's present insurance and his future insurance requirements. To fail to do so is an invitation for a lawsuit.

What does this mean to you?

First: If your agent makes promises to you about coverage, and your claim gets denied, you can make a claim against the agent's Errors and Omissions Liability policy. You may have to get an attorney involved, but that only increases the chance that your denied claim will get paid.

Next: In my never-to-be-humble opinion, ALL agents selling ANY kind of insurance should perform a Insurance Needs Analysis for the prospect PRIOR to selling the policy. In addition, I believe that an agent should carefully explain the findings of the Insurance Needs Analysis to the prospect PRIOR to selling the policy. Once the explanation is complete, the agent should require the prospect to sign off on the policies that are sold, and sign off on the policies and coverages that are not sold. "Signing off" simply means that the prospect states that the agent has explained all coverages, and he either accepts or rejects any given coverage.

Both parties..the agent and the policyholder...benefit in this transaction. The policyholder has a complete explanation of the policy he's buying and its relationship to all his other insurance. The agent sells the right coverage, and significantly lowers the risk of a lawsuit or claim against his E&O coverage for selling the wrong coverage.

Here's what an insurance analysis procedure should look like.

1. Personal Information Collection: get as much information about the insured and his family members as possible.

2. Get Copies of Existing Policies: the agent should actually read the existing policies.

3. Analyze Insurance Needs: determine the correct coverages needed and the correct policy limits.

4. Recommendations: what should be purchased and prices.

5. Application and Sign-off Analysis: fill out the application and have the insured sign off on the analysis form.

6. Deliver the Policy: An agent should deliver the policy in person and explain it again, not just send you a copy in the mail.

Even after all of the training and education that any insurance agent acquires, the agent is still not an expert in how to handle an insurance claim. I've had lots of people tell me that they were going to get their agent to help them with their claim. Later, they figured out that the agent didn't know much more about the claims process than they did. As I wrote earlier, agents can become experts, but their expertise is customarily in the sales and needs analysis areas of insurance...not claims. For most agents, learning the claims process would be a waste of their time, since most agents are not licensed to handle claims.

Sure...some agents will be given a small claims settlement authority by the company they work for. Some agents will be able to settle claims up to about $5,000.00, and then only in the property side of the claim...such as a small water loss or a theft. But, for the most part, the insurance company concentrates claims handling with the claims employees and independent claims adjusters.

The most important strategies you should take from this article are:

1. Interview EVERY insurance agent to find out their level of expertise. Only do business with the most qualified, educated and experienced agents. Let the inexperienced agents practice on people who don't care about protecting themselves the right ways.

2. Don't always chase after the lowest premium. You get what you pay for. You'd be better served to pay a higher premium if a highly qualified agent takes care of you. You don't drive the cheapest car you can find, do you?

3. Never be hesitant to call the Department of Insurance of your state if you have problems with your agent. Agents are regulated for a reason.

If you've had bad experiences with insurance agents, how about telling us about it?

Copyright 2008 by Russell D. Longcore

P.S. I wrote a book that YOU need!

check out: http://www.insurance-claim-secrets.com

NUMBER ONE at Amazon.com in its category!

My blog is at: http://insurance-claim-secrets.blogspot.com/

Nominated for Georgia Author of the Year Award 2008