‘Til the Landslide Brought Me Down…

landslideThese lyrics from Stevie Nicks are from her popular song, “Landslide.” For the people living in Coupeville, WA ( near my hometown of Oak Harbor), these are all too frighteningly real.

Houses perched atop a beautiful bluff overlooking the water are now dangling perilously over the edge after a landslide tore apart the hillside. The topic of insurance has been raised as many of these homes find themselves uninsured due to a common exclusion that isn’t fully understood by the average insurance buyer.

Everyone knows about earthquake insurance and they know it’s excluded on the homeowners policy. If you live in an area that needs it, you will pay a hefty price tag to carry the coverage. Many go without it for natural reasons. Newer homes built out of frame and not in a slide area are low risk. Why pay a lot of money on insurance when the chance of ever needing it is so low and the cost of the insurance and your deductible are so high? In many cases, that is a valid argument and I have often recommended a client NOT purchase the coverage because I didn’t see a huge exposure.

That is different for these poor folks with a house on the edge…

You see, the exclusion in your homeowners policy does not say “Earthquake.” It says, “Earth Movement.” On the standard homeowners policy, insurance carriers are not going to pay for damage done by either earthquake or earth movement. Earth movement is much more likely. Heavy rains cause earth movement. Changing conditions cause earth movement. Natural disasters (other than earthquake) cause earth movement. And, because many of these folks are not worried about earthquake, they eschew the coverage called “earth movement.”

Here is the deal…

If you own a home near or on a bluff, hillside, cliff, or ledge, you need to purchase earthquake insurance. Your real risk is more likely to be earth movement and this insurance policy picks that up, too. Take a look at your property. If you believe your house can be damaged by some earth movement because the direction it moves causes it to fall off the side of the word, it’s in your best interest to buy the coverage. Don’t be tricked by the mane of the policy. Earthquake insurance protects for more than just the big shaker. It protects the value of your home if it slip slides away.

My heat goes out to these folks, whether they have insurance coverage or not. We pray that the houses avoid going down the hillside. For those of you watching from afar, use it as a lesson. Look at your home and the concern related to earth movement. If you are even at all worried, you need to talk with your insurance agent and find out what the cost is. It may end up being the best insurance you ever buy.

© 2013 Dan Weedin. All Rights Reserved

 

 

More…

This is a 5 and a half minute speech I gave as part of a Toastmasters demonstration at my Rotary Club last week. Here is what you can take away from it…

1. Public speaking can not only be effective for your business, but fun for you. You just need to practice, learn techniques and strategies, and gain “Stage Time” (courtesy of my pal, Darren LaCroix).

2. Humor is powerful if used correctly. Humor makes people laugh and listen. It evokes emotion and caring. And, it reduces anxiety and tension. You can effectively use humor in any business presentation, especially if it’s self-deprecating.

3. Record when you speak and put it on your You Tube channel. Get your message out to a broad audience so you can improve the condition of more people.

I hope you enjoy More…

© 2013 Dan Weedin. All Rights Reserved

Extra Points – Madness. Memory. Momentum

Madness. Memory. Momentum                     2006 seated huddle vs Shelton

“Great players have short memories.”

The words of CBS college basketball analyst (and former Supersonic), Greg Anthony as he was talking about Ohio State star, Aaron Craft. Craft made a game winning shot against Iowa State with less than a second left in the March Madness tournament. Anthony is absolutely right. Great players always put the failures of the past behind them and move towards success on the next play. That’s exactly why I’ve never become a great golfer!

In watching the Gonzaga game Saturday night, many folks around here are calling Gonzaga “chokers.” In reality, in a game where there were three distinct momentum shifts, Wichita State had theirs at the right time…at the end of the game. The Shockers made 3-pt baskets like they were layups for the last 3 minutes of the game, as momentum swung furiously in their favor.

To be successful in business and life, you need both a short memory and momentum. On the latter, you can successfully keep momentum going with activities and behaviors that you know work, but sometimes are tough to keep doing. Keeping your head down and doing the right things consistently and intentionally will keep those momentum bursts on your side of the court. On the former, the best way to keep ding all those right things is to have a short memory. Forget the rejections; forget the naysayers; forgot when people say you can’t; forget unsolicited advise; and forget the speed bumps that are there to slow you down.

I love basketball for so many reasons, but one of them is clearly the lessons it teaches off the court. If you want to be successful in your life – professional and personal – keep momentum on your side and have a little selective amnesia.

Next!

© 2013 Dan Weedin. All Rights Reserved

This week’s quote –
“We an have no progress without change, whether it be basketball or anything else.”
–  John Wooden

Extra Points – Thinking Big

Think Big      

What happens to kids as they grow up?

For most kids (us included), they spend the better part of their youth fearless. Think back to 2nd and 3rd grade. Kids don’t have a whole lot of trouble being brutally candid, eager to try new things, willing to suffer the consequences of their losses and ecstatic to revel in their successes. As I speak to this age group on a semi-regular basis in my role as a school board president, I notice that our young friends seem relentless in the pursuit of happiness, regardless of what lies in front of them.

As adults, somehow we become cowards. We over think, we over worry, we care about what others might think, we care about what they might say, or we are scared we might get “found out.” Because of all of this, we often think small. We never do those things that we dream of – writing a book, starting a business, taking a trip around the world, or whatever that “thing” is for you.

I have good friends who just took off to live in Paris for a year. They’ve owned their own business, been highly successful, and have the funds to do it. You might say, “Well Dan, with all of that, what is there to be fearful about?” Plenty. They leave their business, their friends, their family, their comfort, and everything else that they know. They don’t know what’s in store for them when they get there or when they get back. But, they went. And I enjoy following their adventures on their blog.

What about you? Do you think big enough or does fear stop you in your tracks? Why not find a little fountain of youth within you and instead of saying “why,” say “why not me?” Life is short and unpredictable. Every one of us has unfulfilled dreams on our own bucket list. Start today by being a kid and thinking BIG!

© 2013 Dan Weedin. All Rights Reserved

This week’s quote –
“Consult not your fears, but your hopes and dreams. Think not about your frustrations, but about your unfulfilled potential. Concern yourself not with what you tried and failed in, but with what is still possible for you to do.”
–  Pope John XXII

How’s Your Personal Insurance Fitness?

How’s your personal insurance fitness?

Dan Weedin
Dan Weedin

In my experience as an insurance consultant, 8 out of 10 individuals/families suffer from one of two maladies. They are either obese (overpaying for insurance) or they are weaklings (inadequate protection).  In about 60% of the cases, they are both. And, just like your physical fitness level, being one or both of these can cause chronic pain, loads of lost time and frustration, and sometimes even total collapse.

I know you’re besieged in the media by NFL star “discount double checks;” Progressive Flo’s kooky plugs; and graduates of company universities trying to protect you from things that go boom! The thing you must remember is that they are all trying to sell you a policy.

I’d like to offer you a special opportunity to makeover your insurance fitness this week. In honor of St. Patrick’s Day this weekend, I want to help you find some more “green” out of your insurance. I have no ulterior motives – I don’t sell insurance, won’t harm your relationship with your agent, and only want to find ways to transform your “fitness” level to protect your most valuable assets.

Here is how this special offer works…

Through 5:00 pm Pacific time on Friday, March 15th, you can get a personal insurance fitness exam up to three insurance policies for a ridiculously low investment. I normally charge $350 for a complete exam. Starting now through Friday at 5:00 pm, you can get this for only $200.

Here’s what you do…

  • You go to my Quick Pay portal on my web site and pay me – https://weedin360.com/quick-pay – Make sure you write in the comments section “Personal Insurance Fitness Exam.”
  • I contact you and we set up a time to talk and for me to get your insurance policies.
  • Within 72 hours after getting your policies, you will receive an unvarnished diagnostic summary of the good, the bad, and the ugly. It will include suggestions for improvement and recommendations to save you money.
  • You will end up thanking me. And/or your agent will call me thanking me for finding potential problems that they weren’t aware of (has happened three times).

You know you’ve never read your policies. You have put complete trust in your agent and that is fine; but it’s simply negligent to never check and not really know if the one thing meant to protect you and your family from financial ruin isn’t adequate (or if you’re spending too much.)

Rave reviews from happy clients – Read more – http://www.insurancego2guy.com/testimonials.php

You go to the doctor to check out your own physical fitness and health level. Why not find out how fit you are in your insurance?

Trim the fat, beef up your muscle, and enhance your own peace of mind.

 

© 2013 Dan Weedin. All Rights Reserved

Extra Points – The Beat Goes On

The Beat Goes OnDan at EMP

Last Friday night, I had the honor of serving as the Master of Ceremonies for a fundraising event called “Poulsbo’s Got Talent.” This off course is a knock off version of the popular television show “America’s Got Talent.” The competition featured 17 acts that all involved either singing or dancing. There were individuals, bands, old, and young…all coming to have some fun and show their “stuff.”

What impressed me so much was what I witnessed in all the acts, regardless of age or talent. What made each one of them so good was how easy they made everything look. For instance, there was a duo of high school aged boys who did a sort of dueling percussion routine. One would give his bit, and the other would (without a word being spoken) basically say “Oh yeah?” and do his deal. They were both brilliant and really had the crowd engaged and captivated. They did all of this was a grace and an ease about them. So much so that you’d think, “That doesn’t look that hard.” Based on my horrible drumming abilities as displayed at Seattle’s Experience Music Project, I know that is NOT the case.

What makes you valuable to others is that you are able to make the hard look easy; the complex look simple; and the chaos look calm. That’s why people use your services. They can’t do what you do, and you are able to make it happen quickly, efficiently, and without stress.

In order to be at the top of your game, you need to make sure people know how you can help them; show them the value you create; and basically turn the problem into a solution quickly. Now, you may not have a crowd screaming they love you while cheering for an encore, BUT you just might have a lot of money going into your bank account and business that needs no encore!

© 2013 Dan Weedin. All Rights Reserved

This week’s quote –
“You know the good old days weren’t always so good, and tomorrow ain’t as bad as it seems.”
– Billy Joel from “Keeping the Faith”

Foresight 20/20 Video Series: Episode #2 – Lost in Cyberspace

Cyber crime is a huge peril that often gets overlooked by business owners and executives. This episode will focus on steps you can take to prevent a crisis dealing with the volatile world of technology.

© 2013 Dan Weedin. All Rights Reserved

Extra Points – Observation

Observation     

Last week, I was headed out of my neighborhood and stopped the car long enough to kibitz with a few neighbors. One of the more observant of them starting walking around my car with a quizzical look on his face. He said, “Hey Dan. Did you realize your tires are all bald? You need to get these changed right away.”

I got out of the car to take a look, and boy…was Scott right! The tires were simply terrible. They looked as smooth as a baby’s bottom, and were very definitely a hazard for me. Cars aren’t really my thing other than driving and admiring them. I usually wait for someone to tell me that something needs to be fixed or changed, charging my safety ( and that of my wife and anyone else in my car) to them. As a risk management consultant, I need to start heeding my own advice!

We need to be observant in business. Opportunities, like balding tires, can move stealthily through our day if we don’t pay attention and be gone forever. Being in the moment, being observant, asking questions, and taking risks open up a myriad of possibilities for us. But only if we are paying attention.

My lack of attention to my car could have proved tragic. Fortunately for me, someone helped me out. I may not always be that fortunate, so my future behavior will be changed. In business and in life, we must change our behavior as well to make sure that bad things don’t happen to us, and that the good opportunities don’t slip away.

Drive safely!

© 2013 Dan Weedin. All Rights Reserved

This week’s quote –
“It gets late early out there.”
–  Yogi Berra

My First Commercially Published Book

I just emailed off the final agreement to the publisher at Global Professional Publishing, Ltd in the United Kingdom for my first commercially published book titled…

Insuring Success: How to Sell Insurance When People Don’t Realize They Need It

The time frame for release of the book is 9 months, however my goal is to be done writing it sooner than that. I will keep you posted on the progress. I will be sending out an “official” press release, but wanted to get this out early to my community. I am tremendously excited and am looking forward to getting the book in the hands of as many insurance professionals as possible to help them enhance and advance in their careers! More to come…

© 2013 Dan Weedin. All Rights Reserved

The World According to Captain Jack

Captain Jack
Captain Jack

Hello. My name is Captain Jack and I’m the terribly charming, witty, and intelligent pal of my human, Dan. I’ve been observing human behavior and have come to the conclusion that you all can learn a lot from dogs. Especially me. You see, I’m a Jack Russell and we are unquestionably the smartest dogs on the planet. Welcome to my column…

Grandma went in the hospital last month and hasn’t come back yet. Dan tells me she is something called “rehabilitation,” and that she should be home soon. This is a big change for Bella and me. You see, Dan isn’t always home, but with her here, there was always somebody here to be with. I don’t like being alone, and not because I’m scared, but because I happen to crave and require attention (Bella is happy sleeping on the bed by herself). Since she has been gone, we are back to more time by ourselves.

I know humans have trouble with change. We dogs just kind of roll with the punches. These dog “experts” say that we don’t adapt well to change. My guess is we do better than humans! Change is a part of our lives and yours. It’s all in the attitude.

If you look at change as a bad thing, it will be. If you look at change as an opportunity, you will find it. Dogs look for opportunity anywhere we can because you just never know what you will find. We adopt quickly. Humans are slower and can learn a lot from a dog. The next time you have to go through some change, instead of moping about it, try being more like a dog and look for that bone in a new place. You never know what you will find!

Just saying…

Captain Jack

© 2013 Captain Jack. All Rights Reserved