Successfully Reducing Insurance Costs
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Have you looked at your insurance costs lately? Chances are, your costs have gone up even if your coverage has remained the same. Insurance inflation is a hidden danger because you do not always pay those bills every month or pay them directly. In addition, when they do rise, there seems to be no practical way to control them. Let’s look at some major insurance categories to see where cost-cutting might be possible.
Having a Term insurance plan is an important component of your investment strategy. This visual and easy-to-comprehend prezzo helps you understand Term Insurance in an easy jargon-free way.
Part 1 in a series of educational slidecasts from author and speaker Tony Steuer. Part 1 focuses on term life insurance -- what it is, how it works, and the different types of policies. It's your money, so monitor it, understand it, and know what your are getting for it.
The best Life Insurance for couples in Mississauga and TorontoPravesh Vasudeva
Life insurance for couples is one of the most important purchases you can make together. It's an investment into your future together that ensures peace of mind. Here's everything you need to know.
Having a Term insurance plan is an important component of your investment strategy. This visual and easy-to-comprehend prezzo helps you understand Term Insurance in an easy jargon-free way.
Part 1 in a series of educational slidecasts from author and speaker Tony Steuer. Part 1 focuses on term life insurance -- what it is, how it works, and the different types of policies. It's your money, so monitor it, understand it, and know what your are getting for it.
The best Life Insurance for couples in Mississauga and TorontoPravesh Vasudeva
Life insurance for couples is one of the most important purchases you can make together. It's an investment into your future together that ensures peace of mind. Here's everything you need to know.
Insurance premium under assymetric informationRitu Sah
Introduction to insurance, why it is important, and various problems leading to market failure. Also includes the problem of hidden action, principal-agent problem, economic model describing the case under perfect and imperfect information and equilibrium analysis. Further, the relation between a country's GDP to the premium paid is analyzed.
Can’t pay your life insurance premiums? These are your optionsPravesh Vasudeva
If you run into financial difficulty, paying your life insurance premiums could take money away from other priorities like paying down your mortgage or buying groceries. But there are other options to consider. Here are a few recommended by our life insurance experts at Trust Life.
Take a look.
How can you choose the right type of Life Insurance? Pravesh Vasudeva
Choosing the right type of life insurance can be confusing, but it’s also an important decision. There are primarily two types of life insurance to choose from:
a) Term Life Insurance
b) Permanent Insurance
Which one is the best for you? Let's see.
Insurance premium under assymetric informationRitu Sah
Introduction to insurance, why it is important, and various problems leading to market failure. Also includes the problem of hidden action, principal-agent problem, economic model describing the case under perfect and imperfect information and equilibrium analysis. Further, the relation between a country's GDP to the premium paid is analyzed.
Can’t pay your life insurance premiums? These are your optionsPravesh Vasudeva
If you run into financial difficulty, paying your life insurance premiums could take money away from other priorities like paying down your mortgage or buying groceries. But there are other options to consider. Here are a few recommended by our life insurance experts at Trust Life.
Take a look.
How can you choose the right type of Life Insurance? Pravesh Vasudeva
Choosing the right type of life insurance can be confusing, but it’s also an important decision. There are primarily two types of life insurance to choose from:
a) Term Life Insurance
b) Permanent Insurance
Which one is the best for you? Let's see.
Active Capital Reinsurance Ltd commenced operations in 2007, mainly providing credit-related reinsurance solutions to financial institutions in Latin America, and it has a general insurance and reinsurance license issued in Barbados.
Active Capital Reinsurance Ltd commenced operations in 2007, mainly providing credit-related reinsurance solutions to financial institutions in Latin America, and it has a general insurance and reinsurance license issued in Barbados.
Protecting Your Business with the Right InsuranceInsideUp
A good insurance company will guide you into a policy that is affordable and effective. Research and ensure that they cover small businesses and have your best interests at heart. InsideUp can help you find the right insurance provider for your business, with free competitive quotes from top providers. Visit http://www.insideup.com/compare/business_insurance
How to Choose Insurance Plan for Yourself and Your Loved Onesaarti singh
An Investment insurance plan allows you to build a savings habit so that you enjoy life without any worry. Invest in the best investment plans and secure your financial goals.https://www.bajajallianzlife.com/investment-plans/investment-insurance-plans.jsp
Mel feller and multiple secrets to successMel Feller
eminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller maintains offices in Texas and Oklahoma.
Like you, leadership expert and business author Mel Feller has seen the word leadership defined numerous ways over the years. Is it charisma and positive thinking? Pinstripes and red power ties? Decisiveness? Is it all about the situation? Is it meant only for the elite who rise to the top? Alternatively, is there a different story?
With over three decades of executive coaching, speaking, and most importantly, real-life, in-the-trenches business experience, his view is radically different. Mel Feller appreciates, and shares with listeners, that leadership is a moment-to-moment choice and not about title, tenure or position. Leadership is for everyone, every day. It is how we should live our life
Mel feller mpa, mhr, discusses texas real estateMel Feller
Mel Feller MPA, MHR, Discusses Texas Real Estate and Terms to Know
Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller is an Innovator and Business Leader. Mel Feller currently maintains an office in Texas. Mel is currently an MBA Candidate.
Why should I buy, instead of rent?
You will love the feeling of having something that is all yours - a home where your own personal style will tell the world who you are. A thriving vegetable garden in the backyard, a tiled entryway, a yellow kitchen... when you own, you can do it all your way! However, there is more to owning a home than personal satisfaction. You can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes, too. And interest will compose nearly all of your monthly payment, for over half the number of years you'll be paying your mortgage. This adds up to hefty savings at the end of each year. Moreover, you are allowed to deduct the property taxes you pay as a homeowner. If you rent, you write your monthly check and it is gone forever. Another financial plus in owning a home is the possibility its value will go up through the years.
Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development
Consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”.
Mel feller, mpa, mhr, asks about your passionMel Feller
Mel Feller, MPA, MHR, Asks About Your Passion.
Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller maintains offices in Texas and in Utah.
The dictionary definition of passion is, “a strong or extravagant fondness, enthusiasm, or desire for anything.” Why do people start their own businesses? Is it for money, for freedom – from corporate structure or otherwise, power? What would you want to do it if you did not need to work? Some people might answer that they would want to lie on a beach or watch television, all day that might not pay you! However, is it possible to do something you would want to do whether or not you were making money – and actually make money? Of course – but if it were that easy, everyone would be doing it.
I have always suggested you should do what you love, but I had not followed my own advice sometimes. Why is it so important to pursue what is important to you? Here is what I have learned since deciding to focus on my passion:
Mel feller, mpa, mhr, discusses word of mouth marketingMel Feller
Mel Feller, MPA, MHR, Discusses Word of Mouth Marketing.
Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller maintains offices in Texas and in Utah.
It is as important to know what word of mouth marketing IS as what it IS NOT. Word-of-Mouth (W-O-M) is about involving, educating and satisfying customers. It is not about abandoning your marketing plan and advertising campaign. It is not enough to simply provide good customer service and wait for the buzz to build. In fact, let us test your knowledge of W-O-M with this simple quiz. Select the most suitable answer to the following questions. Answers are at the end of the handout/article.
Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development consultant and speaker, specializing in performance, productivity, and profits. Mel is the
President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas and In Utah. Currently an MBA Candidate
How to increase your business profits by mel fellerMel Feller
How to Increase Your Business Profits by Mel Feller, MPA, MHR
There are two ways to increase your profits. One is by increasing your sales; the other is by reducing your costs. Here are some ideas that will help you increase your profits by cutting your expenses in an organized fashion.
Increasing profits through cost reduction must be based on the concept of an organized, planned program. Unless adequate records are maintained through a proper accounting system, there can be no basis for ascertaining and analyzing costs.
Cost reduction is not simply attempting to slash all expenses unmethodically. The owner-manager must understand the nature of expenses and how expenses inter-relate with sales, inventories, cost of goods sold, gross profits, and net profits.
Success Sabotaging Lies
By Mel Feller, MPA, MHR Offices in Texas and Utah
Let me start by asking a couple of questions, what beliefs do you have about success and personal excellence? What programs do you have downloaded in the massive computer that is known as your brain? Are they a plus in your pursuit for self-help motivation and personal growth development? On the other hand, are they holding you back and controlling what you will be able to achieve?
We have heard the opposite of the terms I have listed. Replace the opposite thoughts of these with these success belief builders. I wanted to point out the positive and not the negative.
There Is No Such Thing as Failure
The men who try to do something and fail are infinitely better than those who try to do nothing and succeed. Lloyd Jones
Notice the difference between what happens when a man says to himself, “I have failed three times,” and what happens when he says, “I am a failure.” ~S.I. Hayakawa
There is a man who failed in business at age 21.
He was defeated in a legislative race at age 22.
He failed again in business at age 24.
He overcame the death of his girlfriend at age 26.
He had a nervous breakdown at age 27.
He lost a congressional race at age 34.
He lost a congressional race at age 36.
He lost a senatorial race at age 45.
He failed in an effort to become vice-president at age 47.
He lost a senatorial race at age 49.
He was elected president of the United States at age 52.
The man’s name was Abraham Lincoln.
He would not have accomplished becoming president if he had believed that failure was something to avoid. Thomas Edison thought the same way about failure when going through his 9,999 attempts to invent the light bulb.
Mel fellers multiple secrets to success Mel Feller
Mel Feller’s Multiple Secrets to Success – Look at the Seasons in Your Life
Mel Feller, MPA, MHR with Offices in Texas and Utah
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
See www.melfeller.com and www.melfellersuccessstories.com
Mel Feller Professional Coaching in Dallas, TX and Salt Lake City, UT
Mel's success philosophy is one where there are many avenues to achieve success. He specializes and trains in real estate, business planning, stocks, personal development, leadership, time management, grants, proposal funding and relationship training
Are you worried that feel that you are lacking motivation in your everyday life or your business?
A collection of inspirational quotes by mel fellerMel Feller
A Collection of Inspirational Quotes by Mel Feller
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Power, Success and Value Creation
***
Happiness is that state of consciousness which proceeds from the achievement of one’s values.
-- Ayn Rand
Mel Feller and Coaching For Success 360 – Coaching – Consultant - Training
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Coaching For Success 360 is a full service management, coaching and consulting firm specializing in all and every type of business coaching, training, and development. Experienced coaches and consultants provide solutions to tough business problems and the leadership needed to significantly enhance a company´s performance and productivity. Our specialties and offered programs are in the area of executive coaching, business development, and team building involving all sizes of businesses including real estate.
Coaching For Success 360 and Mel Feller have found that the standard cookie cutter training and development does not adequately address the needs of team and leadership development. Their established programs incorporating personal assessments, sound methodology, and hard questioning accelerates development, and ensures growth.
Build a Successful Financial Plan
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Financial planning is defining your goals in life and realizing that the only way to provide for them is through disciplined spending, regular saving, and wise investing. It isn’t a blueprint for life that once drawn never changes. It is flexible and adaptable to your changing needs. Moreover, best of all, you can accomplish it at any income level.
A sound financial plan includes both short- and long-term goals. It starts with the realization that, in the early and even middle years of life, you must develop the habit of saving. Only by living below your means can you build a fortress of savings to pay for the important things that lie ahead.
Return Balance To Your Life
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
In order to return balance to your life, remove the excuses from your life.
Attitude is more important than intelligence. The reasons why you can do anything must replace the reasons why you can`t. Find ways to win not to lose. Winning attitude that were once very easy may become more difficult with age.
Looking at a 1031 Exchange
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Let’s look at 1031 tax deferred exchanges. Named after the IRS tax code that permits such transactions, 1031 exchanges allow investors to defer paying taxes on property they buy and sell as long as the transactions occur within a 180-day time span and the funds are placed with an exchange facilitator or accommodator. I cannot stress enough the importance of working with a ‘qualified’ qualified intermediary, or QI. While knowledge, experience and a certain level of coverage or fidelity coverage is significant, the financial backing of the company, strict adherence to financial reporting and disclosure requirements hold even more importance.
How to Become Wealthy
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Napoleon Hill, in his great book, Think & Grow Rich, describes the six steps to turn your “desires into gold.”
First: Determine exactly how much money you want to accumulate.
Second: Determine exactly what you will do to get this money.
Third: Establish the date by which you will do this.
Fourth: Create a definite plan to accumulate this money.
Fifth: Write out a clear, concise goal statement.
Sixth: Keep your goal statement at the top of your mind.
Mel feller looks at how real estate agents should treat their clientsMel Feller
Mel Feller Looks at How Real Estate Agents Should Treat Their Clients
Please note that this article comes from the heart. It is heartfelt because I had been a top producing real estate agent for twenty years. I know what it takes to keep buyers and sellers happy and still as a real estate investor, I handle a lot of my buying and selling myself even though I do not have a real estate license today. I am deeply involved in training several high producing real estate agents today. So my knowledge of the real estate field spans over 45 years. No matter who your customer is, in any business, they turn into repeat customers down the road or not, depending on the way you choose to treat them!
Real Estate Agents who treat buyers with disdain would do well to remember that those buyers would become sellers one day. In addition, they will remember those agents who treated them well when they were initially looking to purchase. If you happen to be the Buyer’s Agent always, treat them with the highest respect, just the way you would like to be treated. I can promise you that no real estate agent will admit to treating people badly, but I do see and hear about it all the time.
Mel feller asks if you are in the wrong careerMel Feller
Mel Feller Asks if you are in the Wrong Career
” Passion for your work, a pervasive commitment to quality, and relentless attention to details are essential markers of excellence. Quality work and an appreciation for the importance of details benefit not just the clients a business serves; these attitudes and habits also bring joy and peace of mind to the person who delivers the work. To know how to do something exceptionally well is to enjoy it. “Everything Counts: 52 Remarkable Ways to Inspire Excellence and Drive Results by Gary Ryan Blair
Sales can be a tough career.
We face rejection daily, doing most of our presenting in unfamiliar territory. We know that we are only as good as our last order, meaning that if we don’t sell, we don’t eat. In addition, like every other ‘civilian’ we have bills to pay. On days without results most days for many, it can be extremely stressful.
Mel feller looks at building a winning teamMel Feller
Mel Feller Looks at Building a Winning Team in Real Estate
If you are like many agency leaders, you probably began your career in Sales. In addition, the fact that you now own your own agency means that more likely you were good at it.
This ability is actually a two-edged sword. On one hand, you have the ability to train your salespeople and, if you can make them even seventy percent as good as you can, you would be very happy. Well, that is what most leaders say.
However, there is a downside: while you are trying to get your salespeople ‘up to speed’ there are bills to pay, and often the salespeople you have are not making sufficient sales to do it.
Mel feller wants you to become a great real estate salespersonMel Feller
Mel Feller wants you to Become a great Real Estate Salesperson
Imagine a friend came up to you and said, “I want to be a great salesperson. What do I have to do?” What would you say?
Quite often, we are better at solving other people’s problems than we are our own. Caught up as we are in the day-to-day business of being us, our own problems seem huge, while we can clearly see what others should be doing.
So solve this problem for your ‘friend’. What does this person have to do to be a great salesperson? Write down the formula. Do it now.
Mel feller gives you a home loan glossaryMel Feller
Mel Feller Gives You a Home Loan Glossary
Home Loan Glossary
Adjustable-rate loans, also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered.
Mel Feller and Why I am a business and Executive Coach
I started coaching in the early eighties. It was during that time that I began working with Carleton Sheets, author of the bestselling Real Estate Courses No Money Down Real Estate and founder of one of the longest coaching programs in history.
Carleton’s approach was not teaching or therapy. It was a broadly applicable system for helping individuals “create real estate wealth.” Based on recognizing deep patterns that prevent long-term success, and skills for creating new patterns that produce “results that truly matter,” Carleton’s techniques helped me successfully coach clients as diverse as single mom’s on welfare to aspiring professionals, entrepreneurs and Fortune 500 Executives.
Mel Feller Discusses PR Techniques
One of the least understood, most underutilized marketing techniques in the business world is public relations. That fact represents an opportunity for small business owners and managers who are willing to devote a little time to cultivating relationships with reporters and editors in their community.
Advertising is the obvious approach to self-promotion, so a lot of your competition is doing it. Generating free or inexpensive publicity through press releases and media relations is not as commonplace, so it offers a much more uncluttered arena for gaining visibility and name recognition. The 'cost of admission' consists of a newsworthy story and a little insight into how the process works.
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What You're Going to Learn
- How These 4 Leaks Force You To Work Longer And Harder in order to grow your income… improve just one of these and the impact could be life changing.
- How to SHUT DOWN the revolving door of Income Stagnation… you know, where new sales come into your magazine while at the same time existing sponsors exit.
- How to transform your magazine business by fixing the 4 “DON’Ts”...
#1 LEADS Don’t Book
#2 PROSPECTS Don’t Show
#3 PROSPECTS Don’t Buy
#4 CLIENTS Don’t Stay
- How to identify which leak to fix first so you get the biggest bang for your income.
- Get actionable strategies you can use right away to improve your bookings, sales and retention.
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Successfully reducing insurance costs
1. Successfully Reducing Insurance Costs
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Have you looked at your insurance costs lately? Chances are, your costs have gone up even if
your coverage has remained the same. Insurance inflation is a hidden danger because you do
not always pay those bills every month or pay them directly. In addition, when they do rise,
there seems to be no practical
way to control them. Let’s look
at some major insurance
categories to see where cost-
cutting might be possible.
LIFE INSURANCE
If you are the breadwinner of a family, you should not ignore life insurance. However, what
kind do you need, how much – and at what cost?
Whole Life is the most expensive because over the years this insurance accumulates cash value
as well as provides a guaranteed benefit, payable to your family, in the event of your death.
However, policy costs can vary considerably from one company to another – even for the same
coverage. Your occupation, where you live, your general health, and even your credit rating are
all part of the actuarial equation that determines your risks. However, different insurers apply
different cost factors to those risks. That is why it’s always a good idea to comparison shop
through an independent agent who can get competitive quotes from different insurance
companies.
Term Life limits coverage to a period in order to protect your dependents when they are most
vulnerable to income loss. For example, you may wish to protect your spouse and children up
to and through college age or during the years when you are paying off a mortgage.
Successfully Reducing Insurance Costs by Mel Feller
2. With term life, you can buy higher limits at much lower costs because there usually is no cash
value. At the end of the term, the policy lapses. This is one kind of insurance many companies
offer employees at little or no cost. You may be able to buy it without providing evidence of
good health. Look for term policies with a guaranteed renewal feature. In addition, check out a
new product, Return-of-Premium Term Life that gives you a refund of all premiums paid if you
outlive your initial rate guarantee period.
The best rates for life insurance are usually available to members of groups because insurance
companies offer discounts to groups. If you buy a policy when you are young, you will also save
on premium costs; however, you can expect premiums to rise when you enter into higher age
brackets or if you develop chronic health conditions. A disability waiver on your life insurance is
a good low-cost option. If you become disabled, the life premiums are waived.
DISABILITY INSURANCE
Some experts consider disability insurance more important than life insurance. Disability
insurance replaces some of your lost income if you are unable to work due to sickness or injury.
As The Motley Fool (www.fool.com) puts it, disability insurance protects one more member of
your family than life insurance – you.
While many employers provide long- and short-term disability coverage as a benefit, a private
disability policy is the best way for most workers to ensure adequate income, according to the
Insurance Information Institute.
A disability policy rarely pays more than 60% to 70% of your income, but when you pay the
premiums yourself, disability benefits are not taxed. You can trim the cost of disability
insurance by:
1.) Electing a longer waiting period before benefits begin (the “elimination period”) and
2.) Electing a shorter benefit period (benefits payable to age 65 instead of for a lifetime).
AUTO AND HOME
3. If your home is mortgaged or your car is financed, the lenders will require insurance coverage
that is sufficient to protect their loans if not you, your possessions, and third parties at risk. But
as home values increase, so do your insurance costs if you raise coverage to keep pace with
higher values.
If you paid less than 20 percent down payment when you bought your home, your lender may
have required you to buy Private Mortgage Insurance (PMI). PMI does not protect you or your
home; it protects the lender in case you default on the loan. If the equity you have accumulated
exceeds the 20 percent requirement, there may be no reason to continue paying PMI. Contact
your lender or mortgage servicer to learn whether you are paying PMI and how and when it can
be terminated or cancelled.
If you own your home and/or vehicles outright, you still have damage and replacement costs to
protect. The alternative to expensive excessive coverage is “self-insurance,” which means you
have the assets to cover first party losses due to theft or damage to your home or car.
Auto comprehensive and collision coverages generally max out at the book value of the vehicle
less the deductible you choose. The higher the deductible, the lower the premium. This is one
area where self-insurance can lower you bill. If your car is old with a low book value, you might
want to drop collision coverage altogether.
HOW TO CUT COSTS
Shop around for the best price. No matter what kinds of coverage you are buying, compare
quotes. (Make sure quotes are for the same coverage.) Give an independent agent some
guidelines as to how much you can afford to spend on insurance. Not every insurer will provide
prompt and complete service when you make a claim. Research the financial strength of
insurers with rating companies such as A.M. Best (www.ambest.com) and Standard & Poor’s
(www.standardandpoors.com).
Do not be over insured. Having more coverage than you need wastes money. If yours is a two-
income family, your life and disability coverage can be proportioned between both earners.
Term life may be the best choice for one of you. How frequently you make claims is more
critical to insurance costs than severity of claims. It may be better to pay small losses yourself
and save insurance for major losses.
4. Buy life, health, and disability insurance while you are young and in good health. Medical
conditions later on will increase your costs.
Lower coverage on older cars. It may not be cost effective to have collision coverage on a car
worth less than 10 times the cost of coverage. Base your calculation on what the value of such a
car if totaled.
Ask about low-mileage and safe-driver auto insurance discounts. Insurers like drivers who
carpool or take the bus to work and who have not had accidents or moving violations in a few
years. Other discounts may apply to older or retired drivers and teenagers who are good
students or are at least 100 miles away at college.
Check out multi-policy discounts. Many companies give a discount if you buy two or more types
of insurance from them. However, keep in mind that discounts alone don’t guarantee a lower
overall price. Do not hesitate to ask for deductions you may be entitled to.
If your employer offers insurance coverage, take it. Group plans, especially when employer-
subsidized, are usually a better deal.
Mel Feller, MPA, MHR, is a well-known real estate business consultant and speaker, specializing
in performance, productivity, and profits. Mel is the president of Mel Feller Seminars with
Coaching For Success, Inc. and Mel Feller Coaching, a real estate and business specific coaching
company. His three books for real estate professionals are systems on how to become an
exceptional sales performer. His four books in Business and Government Grants are ways to
leverage and increase your business Success in both time and money!