Category Archives: Finance

Build wealth through real estate investments

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Everyone loves the idea of money working for a man and having a continuous source of residual income is something that can bring the real meaning out of life. You begin to enjoy more, have free time and chase your passions. J Gateway investment has the potential to build wealth and is a much better option when compared to volatile stocks, bonds and other forms of investment. Instead of allowing your money to sit idle in banks it is better to invest in properties so as to get high yields. There are some clear cut investment strategies that will surely pay off in the long run.

J Gateway floorplansMost real estate investment players look out for damaged and run down properties that can be obtained at much lower prices. If you are going for Singapore real estate there are plenty of options in this regard. There are many worn out properties to choose from and once you’ve had a thorough assessment regarding renovation costs it is essential to act fast. Make sure that the maintenance budget does not exceed 15% of the total property value. Hire professionals for ensuring proper functioning of basic facilities like electricity, water etc. Subsequently the property can be put up for renting purpose.

If you are wary of undervalued properties and the associated maintenance issues, concentrate your real estate investment plans in areas that are known to yield high rentals like J Gateway. This is by far the best way to get assured returns every time. However, property costs in these areas will be on the higher side considering the safety on investments. For getting the best opportunities in J Gateway, you need to look into J Gateway floor plans carefully. This is essential as what looks lucrative may not be so and a thorough research is needed before putting in the money. For getting the best results dwell deep into the ground level and do some fact finding on your own. Relying completely on market sentiments and the word of property brokers is not advisable.

Considering the high population density in Singapore the prospects of getting good returns on investments are high. Flipping from one property to another has become an old trend and investors have become more inclined towards getting good renting prospects which is a smart way to ensure that residual income flow remains continuous. If you are someone new to real estate, getting information is necessary, but when you have the right investment opportunity it demands immediate action.

Great Tips For Securing Mortgage Loans

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Applying for a mortgage loan is something many people will do in their lifetimes. It is a great way to add to your credit rating, and it will better your financial standing. There are several things you need to keep in mind when it comes to mortgage loans, and they are highlighted in the article below.

If you have poor credit, you should never try to apply for a mortgage loan. Every time your credit report is checked to apply for any type of loan, it leaves a negative spot on your credit score. Having poor credit is usually a disqualifying factor when you are applying for loans, so it would be wise if you didn’t apply until you worked on raising your score. Why do something that will have a negative effect if there is little chance you will have a positive outcome?

You have to shop around when applying for a mortgage or you should contact personal money network. This is a very serious transaction, so it is important that you take your time with it. Even if you find a mortgage company right away that seems to be offering the right things, you need to consider others before making a final decision. There are many people that were too hasty in the process, and they are paying for it now in the form of high interest rates and terrible customer service.

Always do research on any lender you are considering. There are a lot of times in life when it is okay to be spontaneous, but this is not one of those situations. The last thing you need to be worried about is dealing with a lender that is notorious for leaving trails of unsatisfied customers all over the place. Your research should include financial information on the company and reviews from people that have personally worked with the lender.

You may be approved for a very large loan, but it is wise to only accept what you can afford. There are many people that get so excited at the prospect of buying a better home that they don’t stop to think about the financial burden they are possibly placing on themselves. If you want to buy a home that is higher than the price range you set for yourself, you should try saving for a little longer. This is much better than setting yourself up for a financial fall.

The more you save up in the beginning, the lower your monthly mortgage payments will be. It is as simple as that. You may be eager to buy a home as soon as possible, but waiting a little while longer can make a world of financial difference. Try having between ten and twenty percent of the cost of a home before you set out to look for a mortgage lender.

Buying a new home is quite expensive, and this is why people look for mortgage lenders. There are good and bad things you need to consider during the process. Hopefully you use the information here to secure a mortgage without any hassles.

How to invest in Real Estate

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If you are looking for ways in which to invest in real estate, then you have come to the right place. Real estate done in the right way can offer its investor with immense returns on investment capital. Going into a Singapore real estate business goes beyond buying and owning property for big gains, it is an investment that should be entered into with open eyes.

Corals At Keppel BayThe more traditional form of real estate that has tasted the changes in time is the basic rental property. In this type of investment, you own the property, but rent it out to tenants, who then pay you an agreed amount of money at periods of time. As the property owner, it is left up to you to manage and maintain the property, to deal with taxes, and mortgages on the property. This type of real estate requires a huge chuck of your time to be invested.

Real estate investment groups are a way to invest in property while doing away with devoting a huge chuck of your time and money in it. In this kind of investment, you get to buy a part of the building through the company such as Corals At Keppel Bay that purchased or constructed it. An example is an apartment block; you get to choose the amount of property you want to own depending on your income while not worrying about managing and maintaining it. This is because the company does all the work for you and in exchange takes a percentage of your monthly rent. This is a relatively safer means of joining the real estate investment world.

Through real estate trading, you can also participate in real estate investment. In this sector, your aim is to buy a piece of property with the intention of holding onto it for a short period of time before reselling it for a profit.

Finding Qualified Insurance Leads – 10 Tips For Agents and Brokers

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For most insurance agents, the most challenging part of the job is finding prospective clients that are interested in purchasing an insurance policy. It doesn’t take long to exhaust your list of family, friends, and acquaintances; and what then? Many new agents learn finding new leads and making enough money to keep the doors open is much more difficult than they anticipated. The truth is, it is possible to maintain a continuous flow of prospects into your office. Here are some pointers to help you find potential clients and keep your business booming. Buy good quality leads. There are many companies out there that specialize in providing quality leads. Check out services like InsureMe to get a burst of business. These services often have low fees or might be altogether free. Today’s technology allows you to receive new leads in real time. Potential leads are usually prescreened and made up of individuals actively seeking new insurance polices. This means you should have a very high closing percentage. Take on an authoritative position in the insurance industry. Take the time to create easy surveys for your clients to fill out. Pay attention to any statistical trends you see and publish or publicize your results. You can send your findings to the media or simply post them on your own website. This is a great way to gain recognition and credibility. Plus, the added exposure is sure to gain you more leads and sales. Form relationships with other professionals. Know another professional in a similar line of work. Consider sharing contacts to your mutual benefit. This is a wonderful way to get a hold of more quality leads, and it won’t cost you a thing. Consider giving seminars. Contributing your knowledge in the form of seminars or lectures is another great way to gain credibility and make useful contacts. This often leads to word of mouth recommendations or media exposure. Purchase Newsletter advertising. There are many relevant online newsletters available to advertise in. Design a clever logo and whip up some quality copy. You’ll be able to track your conversion rate too, so you’ll know if it is worth the money. Consider getting involved with networking groups. Networking organizations provide a good way to increase your business contacts. Although they generally have annual fees, they give you an effective way to increase leads. Try participating in trade shows. Regional trade shows are a wonderful way to put your business in the spotlight, and get in touch with a wider range or prospects. Advertise online. Most interested consumers look for insurance info online. Try placing ads on search engines or relevant sites. Take another look at your list. See customers you haven’t heard from in a while? Give them a nudge and you might make another sale. Remember word of mouth works. Provide an extraordinary service to your clients. Ask them to refer anyone they know who might be interested. Word of mouth advertising is very effective. By following these ten tips for increasing leads, you will be able to give your business a much needed boost. So don’t despair; start building more leads and generating more sales today!

Health Insurance Quotes Reform Obamacare & Buying Individual Health Insurance

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JANUARY 29, 2010

This Week in Health Care Reform

Following the election of Republican Scott Brown to the Massachusetts State Senate last week and the resulting loss of Senate Democrats’ supermajority, lawmakers continue to pave the way for health care reform – with limited progress. In addition, polls indicate that the public would rather lawmakers focus more on the economy than on health care.

State of the Union Address

President Obama Gives State of the Union Address: On Wednesday evening, President Barack Obama delivered his first State of the Union address before a joint session of Congress. Having hoped to have a health care reform bill on his desk prior to his address, the President instead used his speech to encourage Congress to push forward on health care reform. Yet, he did not give specific guidance as to how to proceed with the legislation. Instead, he made it clear that his primary focus would be on jobs and the economy.

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Health Care Reform Negotiations

Democrats Still Seek Way Forward: While vowing not to give up, Democratic Senate leaders indicated Tuesday that they no longer felt pressure to move quickly on health care reform; and, in the wake of the Massachusetts election and in reaction to public opinion, they shifted focus to jobs and the economy. Senate Majority Leader Harry Reid (D-NV) commented that there is “no rush” on health care and said that he and Speaker of the House Nancy Pelosi (D-CA) were working to map out a way to complete health care reform in the coming months. On Wednesday, Sen. Pelosi floated a two-pronged strategy to pass incremental changes now and pursue comprehensive reform later.

Some lawmakers have considered breaking up the legislation into smaller pieces that have bipartisan support. However, this option will prove challenging given the complexities and interdependencies of the measures. For example, lawmakers would like to include a measure that requires all insurance companies to insure those with pre-existing conditions; however, premiums will most likely increase unless there is an individual mandate.

Earlier this week, Democrats appeared to be coalescing around a different strategy through which Senate lawmakers would make changes to their bill to appease members of the House. The Senate would then pass the revised bill via reconciliation, which only requires 51 votes. Following that, the House would approve the revised bill, giving it to President Obama for his review. However, movement on this strategy stalled Tuesday when two centrist Senators, Sens. Evan Bayh (D-IN) and Blanche Lincoln (D-AK), indicated that they would oppose using reconciliation to bypass Republican support. Others, including Sen. Joe Lieberman (I-CT) and Sen. Dianne Feinstein (D-CA), have suggested a “time out” on health care reform until there is a clear path forward.

In the GOP response to President Obama’s State of the Union address, Virginia Governor Robert McDonnell said that Republicans share the Democrats’ desire for health care reform, but do not agree with their proposed solutions. Republicans suggest that Democrats scrap the current proposals and start over with more Republican input on issues such as medical malpractice reform and selling insurance policies across state lines.

Republicans Call for Transparency: On Wednesday, the House Energy and Commerce Committee marked up a resolution presented by Rep. Michael Burgess (R-TX) which requested that the administration divulge documentation regarding the health care reform deals made with trade associations and a labor union. Committee Chairman Henry Waxman (D-CA) said that while details remained to be worked out, he would support a narrowed version of the Republican request for White House records.

President Obama to Speak with House Republicans: President Obama will meet with House Republicans on Friday in response to an invitation to speak at their annual retreat in Baltimore that begins Thursday and ends Saturday. The meeting comes just after the President’s State of the Union address, and members of the news media speculate that the meeting may spur more bipartisanship or potentially lead to even more tension between the two parties.

Interest Groups Call for Reform: With health care reform’s fate in jeopardy, interest groups have voiced their support, encouraging Democrats to push forward with legislation. The AARP, American Cancer Society Cancer Action Network, Consumers Union, Families USA and Service employees International Union sent a joint letter last Thursday urging Congress not to abandon comprehensive health care reform. Further, the United States Conference of Catholic Bishops also sent a letter to Congress urging a push for reform.

Public Opinion

Polls Show Concern with Health Care Reform; More Focus on Jobs and Economy: Several polls were released this week that highlight the public’s disenchantment with health care reform and anxiety around the struggling economy.

A new CNN/Opinion Research poll released Tuesday shows that only three in ten Americans say they want Congress to pass legislation similar to the bills currently being discussed in Congress. Forty-eight percent of Americans would like lawmakers to start again on a new bill, and 21 percent believe Congress should not work on bills that would change the current health care system. Further, a Wall Street Journal/NBC poll released Wednesday found that 51 percent of Americans believe President Obama has paid “too little attention” to the economy and that 44 percent feel he has paid “too much attention” to his proposed health care overall.

In addition, a new USA Today/Gallup poll released late last week finds that most Americans call for a more bipartisan effort in health reform. A 55 percent majority of Americans say that President Obama and Congressional Democrats should suspend movement on health care reform and consider alternatives that would increase Republican support.

A poll released last weekend by the Washington Post , Henry J. Kaiser Family Foundation and Harvard University’s School of Public Health indicated that dissatisfaction with the direction of the country, including the Democrats’ health care reform proposals, drove the outcome of the Massachusetts election. The post-election survey of Massachusetts state voters showed that overall 43 percent say they support the health care reform proposals advanced by President Obama and Congressional Democrats, while 48 percent oppose them.

A new poll released Monday from the Robert Wood Johnson Foundation found that fears regarding the health care reform package increased significantly in December as members of the Senate finalized their bill. Thirty-three percent of respondents said they believed their access to care would worsen if the legislation passed, up from 25 percent in November. Forty-two percent said the country’s finances would suffer under reform, compared with 34.6 percent in November.

Looking Ahead

Next week, the President will present his Budget to Congress (which includes health programs), after which Congressional hearings will commence. We expect health reform to be discussed in these sessions. While there remains no clear path forward for health care reform, Congressional leaders will continue to work to find a solution.

Getting More Affordable Houston Auto Insurance

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Finding affordable Houston auto insurance is very difficult but then it is not impossible. There are now a lot of things that can help you in getting auto insurance with lower rates that is why if your budget is your problem then there are plenty of solutions for it. Now, there are a lot of ways on how to lower your rates so your budget is not really a hindrance why you will not get car insurance.

The world is now equipped with modern technologies that can help you discover the great ways on lowering your premium. Before, people are just holding on to those traditional ways of finding out how to get lower rates. People just depend on different magazines for them to know how they can lower their rate. But now, there is now the internet to help you with those tasks. The internet will now tell you all the things that you have to know. With it, you will be able to find out the easiest and simplest ways for to be able to get affordable insurance.

If you want to lower your Houston auto insurance rates, just try to search online. I am certain that in just a matter minutes you will find all the informations that you need. Having a clean driving record is the most common way and the usual suggestion that you can find in the internet for you to lower your rates. This suggestion is really effective and true because if you have a clean driving record that means that you are not a risky driver. You will be given a huge discount because you are not a traffic violator. It is a common knowledge that people who are said to be risky drivers only have a small chance of getting discounts. So, if you really like to claim your discounts, you must not ruin your chance and do everything just to maintain the cleanliness of your record.

Another suggestion to get lower rate Houston auto insurance is if you will drive less. Driving less can help because it will lower the possibility that you will get involved in accidents. Driving less will keep you away from possible accidents and violations that can stain your record.

You should also check if the model of your car greatly affects the rate of your insurance. Most of the time, cars that are expensive is the reason why you have higher rates. So if you are aiming to lower your rate, just stick to cars that are not that expensive.

But then if you really like to stick with your expensive car, it will be best if you will just try to install some safety and security devices in there. By doing this, you rate will surely go lower because your car is not a high risk car anymore. It already has its protection and the car insurance company will consider this and they will eventually lower your rate. With all the things that you can do, getting affordable car insurance is now easy in Houston.

Top 5 Insurance Tips For All

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These are the top and mainly famous tips for all who wants to get insurance of several kind whether it is related to health insurance, car insurance, home insurance, travel or any other. Just remember these insurance tips and you will be safe:)

Top 5 Insurance Tips

1. Try to purchase sufficient cover but don’t overdo it. Cover all of the bases, from home mortgages to health campaign to every single child’s education, but don’t overspend on coverage that you won’t always need or those that are easy to cover on your own.

2. Always read the fine print. If you are having trouble understanding all of the conditions and rules, get help from someone also or a lawyer. You don’t want to be trapped in a loophole somewhere down the line just because you didn’t read the fine print, or did not understand everything that was on paper.

3. Investigate and store around. Don’t purchase insurance from the first agency that you encounter. Look around and shop for Cheapest duty and the finest support they can provide. If an insurance agency realizes you are comparing, you may end up being offered special rates or discounts just because they really want to get your business. Agencies are also less likely to trick you if they find out that you know what you want and are not afraid to look in different spaces.

4. If you already have other insurances, make guaranteed you have a trustworthy record before shopping around for new ones. If you are spotty with your monthly or yearly payments, you may have trouble finding Cheap rates or even insurance Companies willing to entertain you.

5. Use the Internet to your benefit. Get at no cost assessments and compare charge online, look for comment from past Customers just to see if an agency treats its customers well.

End of COBRA insurance subsidy could strain incomes

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Keeping health insurance after a layoff without government assistance would eat up 72 cents of every dollar of unemployment benefits for average Kansas workers and their families.

And the expiration of such assistance in the federal stimulus act threatens to push millions of laid-off workers nationwide into the ranks of the uninsured.

Those are the conclusions of a new report by Families USA, a Washington-based nonprofit, nonpartisan group that advocates for health consumers.

The report, which will be released today in Washington, expresses concern over the expiration of a health-insurance benefit — funded by federal stimulus dollars — for workers laid off between March and December of this year.

Ordinarily, workers who leave a job can continue to receive coverage from their former employer’s insurance plan under a law known as “COBRA” — the Consolidated Omnibus Budget Reconciliation Act.

But COBRA coverage is expensive because the displaced worker has to pay the full premium, including what had been the employer’s share of the cost.

Under the federal economic stimulus bill, the government agreed to pick up 65 percent of the cost of COBRA coverage for as much as nine months for workers displaced by the ongoing economic recession.

But eligibility expired Monday for the first workers to get the COBRA assistance, those who joined the program in March.

And, as the law is currently framed, workers laid off after Dec. 31 will not receive any government help with their COBRA costs.

An estimated 7 million laid-off workers nationwide took advantage of the COBRA-assistance offer.

The exact number of Kansans affected is not available. Federal and state labor, insurance and tax officials could not provide a state-by-state breakdown.

Cost to laid-off Kansans

Families USA analyzed how losing the government assistance will affect individual families.

According to its report, the average cost of insuring a family through COBRA is $369 a month with the government subsidy.

Without it, that cost rises to an average of $1,054 a month — a $685 difference.

The average unemployment benefit in Kansas is $1,465, meaning that without the COBRA subsidy, health insurance alone would consume 71.9 percent of an unemployed family’s income, Families USA calculated.

Ending the subsidy will mean “putting continued health coverage out of reach for most families,” Families USA concluded.

Congress is considering a bill to extend the COBRA subsidy, said Molly Haase, an aide to Sen. Pat Roberts, R-Kan.

Sen. Sherrod Brown, D-Ohio, has introduced Senate Bill 2730 to extend COBRA subsidy eligibility through June 20, 2010.

The bill also would reduce the unemployed worker’s co-payment from 35 percent to 25 percent and extend benefit eligibility from nine months to 15 months, Haase said.

The bill is before the Senate Finance Committee, she said.

Losing the government benefit would make it extremely difficult — in many cases impossible — for laid-off Kansans to continue to provide health coverage for their families, said Bob Brewer, Midwest director for the Society of Professional Engineering Employees in Aerospace.

In Kansas, layoffs of SPEEA’s workers didn’t start until October, so its members will continue to receive benefits for several more months, Brewer said.

However, he added that he expects more layoffs in early 2010 at Boeing and Spirit AeroSystems, and he hopes the COBRA subsidy will be reinstated in time for those workers to continue coverage.

Clinics already burdened

An increase in uninsured Kansans would put more pressure on already heavily burdened low-cost clinics in Wichita.

Dave Sanford, executive director of GraceMed in Wichita, said his clinic is already seeing a rise in patients that is outstripping its ability to get enough providers to serve them.

Even with COBRA subsidies available, many displaced workers are “basically rolling the dice, hoping they don’t have a catastrophic problem until they get called back or they get another job,” he said.

For now, GraceMed is dealing with the crunch by setting appointment times for people with more urgent health problems and extending the wait to get an appointment for routine care, Sanford said.

The clinic also is trying to find doctors willing to moonlight at the clinic in the evenings and on weekends, he said.

People who find their COBRA expiring can comparison shop to try to find a lower-cost policy, said Bob Hanson of the state Insurance Department.

The department maintains a list of insurers licensed to sell medical coverage in Kansas at www.ksinsurance.org/consumers/majmed.htm.

The department also is warning consumers to be wary of companies marketing health plans that seem unrealistically cheap, Hanson said.

“Many companies writing very limited health policies, or noninsurance discount plans, are finding a market for those desperate for low-cost insurance,” Hanson said.

Tips For Agents on How to Work Online Insurance Leads

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When it comes to selling insurance, there is quite a bit of competition. Most online insurance leads check with multiple agents in an attempt to find the best rate. So how can you ensure your leads stick with you instead of some other agent? Read on for tips to help you close the deal before the competition!

Make First Contact

Whoever first contacts an insurance lead has a distinct advantage. To increase the chances you are first, you must get into the habit of contacting new leads ASAP. This means making the call as soon as you get the lead. No answer? Leave a message with your name and company name. You can leave a quote in the message if you like, but it might be more advantageous to let them know you have a great quote for them to prompt them to call you. Additionally, send a follow up email that speaks highly of you and your company. Still don’t hear back? Don’t stop until you have exhausted your options. Just remember: don’t hound your potential client, but merely try to be helpful and professional.

Sell Your Service

Once you have contacted your online insurance lead, you need to sell yourself. This this your chance to separate yourself from your competitors. Following are six tips to transform your lead into a new client.

Begin with conversation. Most agents jump right into a sales pitch, but people dread the sales pitch. Instead, start with open ended questions. These feel less threatening, and help you adequately assess client needs. Remember to listen.

Understand each prospect. Study the information that comes with each insurance lead, and keep notes of each conversation you have. This allows you to better understand what each client desires. You will understand why they want coverage and what sort they might prefer. Additionally, reviewing your notes prior to appointments will help you keep the visit personal, and show them you pay attention. This is a key to building rapport.

Know your services. Make sure you know your own services and products like the back of your hand. You’ve got to know the highlights and drawbacks of each policy so you can answer questions at the drop of a hat.

Always be enthusiastic. The energy you bring to each meeting will color your clients experience. If you aren’t happy about the services you sell, then your client won’t be either. The combination of your enthusiasm and knowledge of your services will go a long way in converting a lead to a long term client.

Resist using high pressure sales techniques. You’re sure to encounter resistance when you try to close a sale. But instead of applying pressure to your insurance leads prospects, focus on the benefits of your packages. Clients will come to appreciate your positive approach.

Deals and guarantees are always good. Everyone likes a good deal. Make sure you offer each client some sort of special incentive or bargain. This will help them feel more compelled to take advantage of your service instead of the competition’s.

9 Tips For Turning Your Insurance Sales Resume Into a Winner

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Whether you are a longtime insurance agent or new to the profession, the pointers below are sure to boost the effectiveness of your insurance sales resume. 1. PROOFREAD CAREFULLY. Any good insurance agent must have an eye for detail. Your resume is your first impression, and if it is riddled with careless mistakes or poor grammar, you can be sure your potential employer will choose from among the other candidates. Have a friend or colleague proofread your resume before you submit it, since it can be difficult to catch your own errors. 2. LET THEM KNOW YOU CAN SELL. Sure your education is important, and your job experience counts for something too, but your employer really wants someone who can close sales. Indeed, regardless of your qualifications, it is your ability to make a sale that will most impress. So make sure your resume highlights your salesmanship. 3. SAY IT WITH NUMBERS. Whenever you have a chance, quantify your accomplishments in numeric form. Include your GPA (if greater than 3.5), closing percentages, corporate rankings, etc. Anytime you have a number that positively represents your ability, put down on paper. 4. STREAMLINE FOR EASY SKIMMING. Supposedly the typical hiring manager devotes less than twenty seconds to a resume. It merely takes a quick skim to efficiently narrow the pool of applicants to a more manageable level. Make sure your most important information stands out so you make the initial cut. 5. DON’T SKIMP ON DETAILS. You want your resume to be easy to read, using lists and bullet points, but you also want enough substance to hold a reader’s attention a second time through. Adding detailed content helps a reader form a more accurate picture of you, and really brings your insurance sales resume to the next level. 6. STICK TO STANDARD FONTS AND STAY AWAY FROM MS WORD TEMPLATES. Word templates are now ubiquitous and overused. If you want your resume to stand apart from others, then take the time to design your own resume. A simple design is sufficient. Additionally, resist the urge to use fancy fonts in an effort to get noticed. Instead stick to a standard typeface. You don’t want your resume to be difficult to read, and you definitely don’t want the font to be the most memorable part of your resume. 7. MENTION EXTRACURRICULARS AND ACHIEVEMENTS. Whether you lecture on financial literacy or have a black belt in karate, you should put it on your insurance resume. Activities and achievements help you stand out and show you are driven and capable. 8. CUSTOMIZE EACH INSURANCE SALES RESUME. Don’t merely make one resume to use. Instead, customize each resume specifically for the job you seek. Take time to learn about the company to which you are applying and use what you find to make your resume more personalized and attractive. 9. DON’T SKIMP ON STATIONERY. Using quality paper makes a big difference. An insurance resume printed on thick, textured stationery is much more impressive than one on a flimsy sheet of paper. Like a handshake, the resume makes your first impression.

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