My Blog Ceasar

Monday, September 10, 2007

Insurance Agents - You Need to be On The Net!

Marketing Insurance On The Net!

Insurance shoppers are on the net these days, and they like the convenience of finding products and services from the comfort of their home computer. Before they take the time to make an appointment with an insurance agent, many consumers feel more comfortable researching the agent through an attractive website.

Generate Referrals

A website can also make it easier to generate referrals. You can simply remind your clients about your website, and ask them to pass it on to their friends. If you offer some useful, free information on your website, you will be sure to capture attention. On line insurance quotes, insurance shopping tips, or a free email newsletter are quick and easy ways to offer visitors value, and to make them want to return to your website! A newsletter works very well because it is a great way to capture visitor's email addresses, and get their permission to email them! Of course, every newsletter will also have sales copy inside of it.

Warm Up Leads

When you are calling leads, you are certain to contact a high percentage of people who are not quite ready to set an appointment with you. Mention some valuable information on your website and ask them if you could send the website address in an email. Even reluctant prospects are much more likely to part with an email address than to set aside time for you to visit with them. Once you've emailed them, you've turned a cold lead into a much warmer lead! And in my experience, some percentage of them will click through to the website mentioned in the email, and you will get some of them calling you back!

Remind No-Sales

Even when you sit on appointments, you do not sell them all. However, make sure you leave your website information with the no-sales. Again, you will find that your website will reinforce your visit, and some percentage of the initial no-sales will contact you again. Some prospects are visual learners, rather than audio learners, and they prefer getting a chance to read about you and your insurance agency without pressure. You will be pleasantly surprised to be able to turn a higher percentage of sales that you would have lost before.

Spread the Word

Promote your website with your current sales materials, like your business cards and brochures. Make sure that any free newsletters or downloaded information on your website reminds people to revisit you. Also be sure to suggest that visitors to your website pass on your free downloads to their friends, and in that way, word about your website can spread without any effort on your part!

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Reach Blocking in Youth Football

Even as a High School player who loved to block, the reach block was very difficult for me or my team mates to execute, we hated it. You will find the same is true for your youth football players. Why do you think the technique is taught so the offensive player gains OUTSIDE leverage on the defender by swinging the offensive players hips to the outside? Why not have a blocking scheme that allows your players this outside leverage and angle every play without having to take an outside drop step and without having to have very quick feet and hips swung into the proper position?

Reach blocks on interior linemen are doable if the line splits are tight and the defenders are not too wide. But in youth football, blocking the end man on the line of scrimmage (EMLOS), usually a defensive end, is near impossible for most tight ends. In youth football, the play every team is trying to defend is the sweep, so EMLOS players line up and play wider than the High School, College and Pro teams and the youth EMLOS player is very conscious of not being reach blocked. That is something even poorly coached youth football teams work on quite a bit. Hence that is why most reach blocks in youth football on the EMLOS player that is half-way disciplined, fails.

On the other hand, the easiest block in youth football is the down block. This is a tactic that has your offensive linemen blocking the next man down to their inside, often over their offensive team mate. Even the weakest offensive linemen on most teams can make this block. Momentum is always in the same direction and all we are looking for here is to stop penetration, no movement on the defender is required.

Using this scheme, the EMLOS player is usually pinned in (Pin Block), by an easy block by a running back positioned in the slot or wing position, outflanking the EMLOS player. The Pin block can even be executed by a motioning player from the other side of the formation that comes across the formation and then when the motion man is just to the outside shoulder of the EMLOS, the ball is snapped and the EMLOS player is flanked and easily blocked by the motion man. Some youth teams even use a crack block to accomplish this, by motioning a back from very wide on the playside to block the playside EMLOS player. This is often a devastating block, but requires very good timing and a requirement that the motioning player does not block the EMLOS player in the back or below the knees.

I coached a reach blocked sweep for 9 years, it worked well when we had a very athletic and aggressive tight end and a blazer at tailback. But when teams widened their defensive ends or we didnt have that stud tailback and tight end, the play failed. After going to a down and pin scheme 6 years ago, the play has been very consistent regardless of talent.

When coaching youth football well, you want to put your kids in situations where they have the best chance of succeeding. Reach blocking is one technique most youth football teams probably want to avoid.

For 150 free youth football practice tips: Football Practice Copyright 2007 Cisar Management and http://winningyouthfootball.com republishing this article are parts of it without including this paragraph is copyright infringement

Dave Cisar-

Dave has a passion for developing youth coaches so they can in turn develop teams that are competitive and well organized. He is a Nike "Coach of the Year" Designate and speaks nationwide at Coaches Clinics. His book Winning Youth Football a Step by Step Plan was endorsed by Tom Osborne and Dave Rimington.

With over 15 years of hands-on experience as a youth coach, Dave has developed a detailed systematic approach to developing youth players and teams. His personal teams to using this system to date have won 97% of their games in 5 Different Leagues. His web site is: Football Plays

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Car Accident Claim - What To Do

Car accidents may all look the same, but the truth is they all have their subtle differences. Therefore, no car accident claim can be exactly like another. Accidents will always happen, there's nothing to do about it; but if you are unfortunate enough to be a victim of such an accident you should know that a successful compensation claim must be carefully planned if you want to make it.

All Car Accidents Are Unique

But know this: there are so many companies that try to "help" in this kind of situation that you can't always tell which are competent and which are not. Watch it for those men who intercept you seeing the accident or at the hospital. They get their paycheck out of commissions so you can't say they are as empathetic as they seem. So seeing the difference between a good company and a bad one will be a crucial thing before you act.

In most of cases, these people will want your injury claim. Even if it means by-passing the small print! Also important, you shouldn't let them go on and on about their "successes", cases won, claims delivered etc, because your situation is unique, and so anything can happen. They are paid to practically fool you, so don't let them.

Then How Do You Make A Successful Car Accident Claim?

Car accident injury claims are one of the most important issues in their field. There is not much room for interpretation and the most important information can only be gathered at the scene. It is crucial for the victim to gather as much as he/she can, making notes about the driver and insurance, the place where it happened, how did it happen and most importantly how. If the police is present then things are simpler, because they know better what to look at and what questions to ask.

Tips and Tricks

The accident solicitor will tell you "all" about the things you need to do. After that, he will always ask: "Any questions about what I just told you?" Never say "No, I'm fine with it", for this is a heavy mistake.
Please do interrogate him thoroughly:
Will I get the 'whole' of my compensation? If yes continue
Will I need to pay a fee? If no continue
Do you recover costs from the other side (i.e. people at fault)? If yes continue
Would I need to pay anyone any money once my claim is settled? If no proceed.

Passengers In A Car Accident

In most cases, passengers will not have any blame in an accident; they can be from either, the fault or non-fault side. But it wasn't them who drove the automobile, so they have the greatest chances of success when asking for a correct compensation. Of course, they need to be checked by medical specialists for their injuries, otherwise there will be no claim. Passengers (no matter if husbands, wives, children or relatives) can make their car accident claim without any hesitation. Why should they suffer because of another persons' negligence?

If you were the passenger and your driver messed up, you can still make your claim, it was his fault, you didn't have anything to do with it. So no matter in which car you were when the accident occurred, you make a successful claim! But if you were the one who drove and it was indeed your fault, then there's no chance at all you could make a claim. Only your passengers will be able to do that, against you.

Payment Factors

Do you know that there are some factors that will cut down the compensation payments you can receive? For example, if you weren't wearing a seat belt, you will get less money, 25% less. What's more, if the driver was drunk when it happened, you knew that he wasn't in the right condition to drive and still you didn't do anything about it then this will lower your payment by a certain amount.

There are cases where the driver admits part liability on a proportion basis. Generally it's 50/50, but it needs to be assessed by an investigator who will examine who's at fault before concluding. There are even some cases that result to 80/20.

Decision Dilemmas

You DO NOT need to hold back thinking it was your friend's or family's car. They pay insurance premiums every year to ensure if anything happens, they're covered and so are their passengers. You also need NOT WORRY if you were in a taxi, bus, train or any other form of public transport. You can still proceed with an accident compensation claim, as the drivers are insured, as is the taxi, train and bus driver. Companies pay thousands every year in insurance premiums to cover passengers for these unfortunate accidents and injuries.

On speaking to a quality car accident solicitor will you be able to eliminate doubts in your head about payments, fees and procedures!

Learn more on how to make your Car Accident Claim. Easy tricks and information to help you make a successful compensation claim today!

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Sarcopenia: As We Age Muscle Loss Occurs

In physically inactive people there is a loss of about [-0.5%] of lean muscle mass every year between age 25 and 60, and a corresponding decline in muscle strength. From age 60 on, the rate of loss doubles, to about 1%. It doubles again at age 70; again at age 80, and then again at age 90.

How does this translate to the human body? We are losing muscle mass, and that muscle mass is being replaced by fat cells. Typically an individual wonders why they develop a pouch gut, or why their thighs or buttocks are becoming larger. We realize we are not gaining muscle mass in these areas, but losing muscle mass and fat cells are gaining in size. Most people can envision this process occurring in their body from the age of 30 on.

Inactive people normally have the most servere atrophy (loss of muscle mass), but active people also may experience atrophy of the muscle. The greatest loss is experienced with the fast twitch (FT) versus the slow twitch (ST) muscles. The FT muscles are used for high-intensity, anaerobic movements (weight lifting) while the ST are employed for activities such as running, dancing, biking, etc.

With aging and inactivity, the most atrophy is seen in the fast twitch (FT) fibers which are recruited during high-intensity, anaerobic movements. Although sarcopenia is mostly seen in physically inactive individuals, it is also evident in individuals who remain physically active throughout their lives. Present finding suggests that physical inactivity is not the only contributing factor to sarcopenia. Current research is finding that the development of sarcopenia is a multifactor process. Many factors, including physical inactivity, motor-unit remodeling, decreased hormone levels, and decreased protein synthesis, may all contribute to sarcopenia. Fortunately, sarcopenia is partly reversible with appropriate exercise interventions.

The purpose of this article is to focus on Sarcopenia and the importance of resistance training in preventing it and reversing its effect. The other important aspect is the decrease of hormones and the reduction of protein synthesis to build and maintain muscle mass. These are also an effect of the aging process that few people are aware of.

What causes Sarcopenia?

  1. The aging process
  2. Physical inactivity
  3. Reduction of hormone production in the human body as we age
  4. i. Testosterone - ii. Human growth hormone
  5. Decrease of protein synthesis ability within the human body as we age
  6. Female estrogen levels may also play a role in the development of sarcopenia during and after menopause. This topic has limited research, but it does appear that many females develop a pouch after menopause.
I believe it is important to mention hormones and protein uptake, but I would like to keep the focus of this article on Sarcopenia. I will cover hormones and protein uptake for another article. Why is resistance or weight training mentioned so often with weight loss? We know weight training is considered anaerobic - The term anaerobic is defined as "without oxygen." Anaerobic exercise uses muscles at high levels of intensity and a high rate of work for a short time period. Anaerobic exercise (weight training) helps us increase our muscle strength and therefore increases muscle size. If your strength increases, then muscle cell must increase in size.

If we go back to where this article started Sarcopenia can be stopped and reversed with proper weight training. Moreover the muscle mass we are creating is also known as lean body mass. For every 10 pounds of lean body mass we carry on our bodies, 500 calories per day is consumed to maintain that body mass.

Yes, you may burn more calories by running or walking, but these activities will not increase muscle mass as weight training does.

If you consider weight training as curling 2 or 3 pound dumbbells as you watch TV, you should consult with a local weight lifting trainer or join a health club. These individuals or organizations will help you reach your goals in a safe and knowledgeable manner. It is extremely important that you learn the proper techniques and lifting form(s). Proper training will insure results, safety and help prevent unnecessary injuries.

Just Do It!

Richard Train has been involved with weight lifting and weight training for over 40 years. During this period of time he has competed in triathlons, canoe racing and cross country ski racing events. The complexities of the human body has led him to study human physiology as related to weight training and anti-aging using weight training. Presently he offers individual weight training. Additional information can be found at Weight Lifting Trainer Minneapolis

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