What Is Umbrella Insurance – and Do I Need It? | The Simple Dollar

October 5, 2016 ~ knjohn ~ Leave a comment

Like an umbrella that protects you from the elements on a rainy day, an umbrella insurance policy can shield your personal assets from large liability claims.

Umbrella excess liability protection can help you avoid financial ruin if you’re found to be responsible for legal damages that exceed the limits of your homeowner or auto insurance policies.

“We live in a litigious society,” says Carole Walker, executive director of the Rocky Mountain Insurance Information Association. “It’s added protection to have peace of mind, knowing that your personal assets aren’t at risk.”

How to Recover Data from A Broken iPhone or Android Phone | Life Hack

October 4, 2016October 3, 2016 ~ knjohn ~ Leave a comment

It happens to the best of us, it happens to the worst of us.

If you have a broken phone, a smashed screen or even a phone that went swimming in the toilet, do not worry, my friend, no one is exempt from smartphone damage. There are, however, some good news for you during this difficult time. There is a way for you to recover data from your broken iPhone or Android device. Read on to see how you can do this.

Types of Smartphone Damage

There are two ways in which your mobile phone can suffer damage: software damage and hardware damage. Software damage can occur if your phone is dropped into water (unless you have a water-breathing Sony Xperia), if your phone has not received an update in awhile, or if your OS has been corrupted.

8 Common Signs That Your Boss Is About to Get Fired or Demoted | Inc.com

October 4, 2016October 3, 2016 ~ knjohn ~ Leave a comment

Gallup CEO Jim Clifton once said in a profound statement,

“The single biggest decision you make in your job — bigger than all the rest — is who you name manager. When you name the wrong person manager, nothing fixes that bad decision. Not compensation, not benefits –nothing.”

In fact, a 2015 Gallup survey of 7,200 adults discovered that about half of them had left a job at some point “to get away from their manager.” Ouch.

Not every manager is cut from the same mold. And some have no business being in a leadership role. If your office is a pressure cooker, fear is palpable, and people are walking on egg shells, look no further than who’s in charge. Their days may be numbered.

ING Plans to Shed 7,000 Jobs, Invest in Digital Platform | NBC News

October 3, 2016 ~ knjohn ~ Leave a comment

ING plans to shed 7,000 jobs and invest heavily in its digital platforms to achieve annual savings $1 billion by 2021, the Netherlands’ largest financial services company said on Monday.

The layoffs represent slightly less than 12 percent of ING’s 52,000 workforce because nearly 1,000 are expected to come at suppliers rather than the company itself.

The job losses are the heaviest since 2009, when ING was forced to restructure and spin off its insurance activities after receiving a state bailout during the financial crisis.

New Tech Business Ideas Trends | CoolBusinessIdeas.com

October 3, 2016 ~ knjohn ~ Leave a comment

2016 is the year of entrepreneurship, especially for smaller, work-from-home business ideas! And thanks to dozens of fantastic technological innovations in recent years, many of the best new business opportunities are all in tech-related fields. It’s a fast-paced industry that’s changing almost any other field it touches: hotels have lost substantial market share to companies like Airbnb, and Uber has transformed urban transportation.

How can you ride the tech wave to even bigger and better opportunities? We’ve got several picks for new tech business ideas trends which you can capitalize on to begin living the dream of owning your own business.

Cutest Face-Plant Ever? Baby Panda Falls Off Stage | Live Science

October 3, 2016 ~ knjohn ~ Leave a comment

Roly-poly can be a plus for a giant panda tumbling around in the wild. But on stage with 22 of your cute-and-cuddly kin, the pudge can lead to a spill. And that’s what happened during the public debut of 23 panda cubs that were born this year at the Chengdu Research Base of Giant Panda Breeding in China.

As soon as the little furball took a nosedive off the low platform, a staff member scooped him or her up and placed the cub back on the stage. The pile of cuteness on display Thursday (Sept. 29) ranged in age from about 4 months to just 1 month old.

Why Selling Without Sales Goals Is Bad for Sales | All Business

September 30, 2016 ~ knjohn ~ Leave a comment

The following headline read in The Dallas Morning News: “Wells Fargo says it’s dropping sales goals.” I couldn’t disagree more. Dropping sales goals is bad for sales, for management, and for customers.

You may have read about the problems the bank had in signing up new customers. Newspaper reports discussed an out of control sales culture. Management wanted sales numbers up at any cost; cross selling was the primary strategy. The Wall Street Journal reported that Wells Fargo opened as many as two million deposit and credit-card accounts without customers’ knowledge.

Too many managers set the wrong goals.

It seems that the sales culture was hijacked by a few misguided managers. Yes, the “sell at all costs strategy” is wrong; eliminating sales goals isn’t the solution. The real problem is that the goals that management set were the wrong goals.

Why Audio Advertising Could Be Your Campaign’s Secret Weapon, from The Trade Desk | Adweek

September 30, 2016 ~ knjohn ~ Leave a comment

Everybody seems to be talking digital video, but another attractive opportunity for many marketers has emerged in digital audio.

Streams. Playlists. Podcasts. They’re the soundtrack of today’s life experiences. That’s hardly anything new. Advertisers have long turned to audio as a way to connect with people in a way that feels both authentic and contextually relevant—as years of radio success will attest. But what’s different are the technologies that make audio advertising more effective and more targeted than ever.

To Keep Female Leaders, Learn What They Need to Succeed | Business News Daily

September 30, 2016 ~ knjohn ~ Leave a comment

Women don’t rise to the top of the corporate ladder as much as men because employers aren’t doing enough to keep their ambitions alive, new research suggests.

The study from the consulting firm Women’s Success Coaching finds that women start out their careers extremely ambitious, but employers damage that drive to succeed by not creating enough programs that have an impact on their advancement. The result is a decline in that ambition by the midpoint in women’s careers.

Of the women surveyed, 67 percent admitted that there was a time in their career when they were more ambitious than they currently are. Specifically, 31 percent said they were most ambitious between the 5th and 10th year of their careers, compared with 18 percent who said their ambition was at its highest following their first decade of working.