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Sales Agency Benefits For Business



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Investing in a sales agency can be one of the smartest moves you make for your business. Not only will the agency give you access to a wide range of product and services, but it can also provide you with some great benefits. These include the ability to save time and energy, to have a partner that understands your industry and can help you market your business, and to be protected by a network of experienced professionals.

Multi-industry experience of multi-line agents

Having multi-industry experience is a benefit for a commission based sales agency. These individuals have a unique understanding of the insurance industry and can help middle market clients with retirement planning, life insurance, and other needs. They may also have professional certifications in a variety of industries.

Multi-industry experience is also important because they can often detect industry trends before factory direct salespeople. As a result, multi-line agencies are more likely to see potential clients before they are available to other agencies. Multi-line carriers also offer quality insurance protection and enhanced customer service. In addition, multi-line carriers can provide additional coverage for businesses. By expanding the policies they sell, agencies can help them retain clients and cover more bases.

Multi-line agents also have an opportunity to sell life insurance, which is a popular product. Among the top factors influencing consumers to purchase life insurance is trust in their advisor. Many companies provide support to agents to help them sell life insurance products. Some multi-line agents have also incorporated other products into their practices, such as investment products and annuities.

Whether multi-industry experience is important to a multi-line agent depends on the strategies used to grow the agency. For instance, using technology to help middle market clients with retirement planning or financial planning can be beneficial to the agency.

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Bankruptcy fraud: the driver in the wrong




In an earlier blog series we took you through the position and tasks of the director of a BV We also paid attention to civil-law personal liability and how to prevent it . In a new series we discuss the criminal liability of the director for committing bankruptcy fraud. At the end of the series, the role of the trustee who identifies bankruptcy fraud is also discussed.

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Bankruptcy fraud, what exactly is it?

It is not a legal concept, but we often use the term fraud as a collective term in everyday speech when it comes to deception committed by falsifying records. Bankruptcy fraud therefore refers to – the word says it all – fraud prior to – or during a bankruptcy. We therefore speak of prejudice to the bankruptcy estate .

The Criminal Code regulates which actions constitute a criminal offense (also known as a crime ). The Penal Code contains a chapter on the detriment of creditors or entitled parties. This chapter deals with the offenses that fall under bankruptcy fraud. However, there are more criminal offenses associated with bankruptcy fraud.

Bottled the boo(de)l?

In the coming blogs we will deal with various bankruptcy offenses to inform you as a director about when your conduct is or could be punishable. The following criminal offenses are covered:

  1. Disadvantages of creditors by directors of bankrupt BVs
  2. Forgery
  3. Eclipse
  4. Bottle puller
  5. Intentional laundering

In each blog we explain the meaning of one of the above offenses using examples from case law. We also explain which requirements actions must meet in order to be punishable. For example, must there be intent or is science sufficient?

Questions already?

Is your company in dire straits and do you want to avoid committing acts that may later turn out to be punishable? Then please contact us. We are also happy to assist you if you are suspected of bankruptcy fraud.

Can mediation during a WHOA process increase the chance of success?

On 1 January 2021, the Private Agreement Homologation Act (WHOA) entered into force. This law offers companies in financial difficulties a new instrument to restructure debts. In the WHOA and parliamentary history, no attention is paid to mediation, while numerous points of disagreement can arise during the negotiation of an agreement.

In an article for Sdu’s Magazine Financing, Security and Insolvency Law Practice, Marie-Hélène Berghuijs and I investigated whether mediation and the use of mediation skills by a restructuring expert or observer can be of added value to prevent or settle disputes in a WHOA process. You can read our conclusions here .


Do you have questions about this topic? Please feel free to contact us.

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Online Marketer




A marketer who focuses on the online segment is also called an online marketer. Other names that apply to the position of online marketer are, for example, internet marketer or digital marketer. An online marketer or digital marketer helps a company to achieve its objectives using various forms of online marketing. The online marketer is responsible for the online strategy and ensures that it is properly executed. Both the strategic aspect of online marketing and the executive part are usually the responsibilities of an online marketer.

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What does online marketer mean?

In summary, online marketing is a collective term for all kinds of techniques that are used to market products, services and companies online. The term encompasses all activities performed on the internet to bring products and services to the attention of a specific target group. When a company wants to achieve its business objectives, a digital marketer or online marketer is quickly called in. The online marketer helps the company to implement an online marketing strategy so that the set goal of the company can be achieved.

What do I do as an online marketer?

If a company wants to achieve certain objectives with regard to online marketing, for example the marketing of a new product, an online marketer is called in. The online marketer then helps the company to achieve the set goals. In this position you are therefore responsible for improving the market position of an existing company or product, or introducing a new product to the market. To achieve this, as a marketer it is in many cases necessary to work together with professionals from different disciplines. Think of content writers , web developers or UX/UI designers. 

Before a new product is launched on the market and a strategy is drawn up, research must be done into the wishes of the consumer. The product is developed on the basis of quantitative and qualitative market research. The online marketer oversees this creative process of product development and then actively participates in its implementation. Aspects involved in the realization of a product concept include the financial picture, the communication and marketing strategy—and the final sale. The online marketer never loses sight of the wishes of the consumer.

Other areas of interest of the online marketer are:

  • Research which search terms the target group uses;
  • Analyzing the current situation;
  • Research the online competition;
  • Investigate whether the target group is looking for the solutions and services you offer.

My duties as an online marketer?

You know your field through and through. You are concerned with optimizing conversions, performance and traffic. You are also responsible for budgets. As a senior you manage a team of juniors and mediors. You also personally supervise part of your team. As a senior marketer, you know which way the company wants to go. You work together with colleagues from other departments to set monthly targets. Thanks to your work, these are achieved time after time. Although it will differ per online marketer what exactly the job entails, the following activities are generally part of the duties of an online marketer: 

  • Check website for functionality and conversion-oriented;
  • Drafting online campaigns; 
  • Making analyzes using tooling such as Google Analytics;
  • Detecting new online channels;
  • Check Google Search Console;
  • Check website for errors and fix them;
  • Check the speed of the website;
  • perform A/B tests;

What kind of competencies should I have as an online marketer?

As an online marketer you must possess the following competencies:

  • Strategic/analytical ability;
  • Creative thinking and execution;
  • Can network;
  • Being data oriented;
  • Curious, aware of new trends/developments;
  • Substantive professional knowledge of the marketing industry and ICT.

As an Online Marketeer within an organization, you will get started with online marketing campaigns. You develop and manage the online marketing strategy of all online products. You do this in the following order: set up, monitor, evaluate, report and improve. You are also responsible for the textual and visual display on the sites.

The most important competence of a marketer is the substantive professional knowledge of the marketing industry. As an online marketer, it is important that you have the right knowledge because there are many developments going on in this industry. Staying up-to-date on the latest technologies and possibilities can give you just the boost you need in this position. Because a lot of technical skills are also required as a marketer, it is good to have knowledge of the ICT market. 

Where can I work as an online marketer?

Online marketers can work for a wide variety of organizations, from specialized e-commerce companies and startups to large multinationals. Marketing has become such a popular branch that you can find work as an online marketer in every conceivable branch. Colleagues you deal with as an online marketer include: product owners , designers, web developers and in some cases sales departments.

Where can I follow training as an online marketer?

To become an online marketer, you can, for example, follow one of the following HBO or WO courses in the commercial sector:

  • Commercial economics / Marketing management (hob);
  • Marketing & Sales (hob);
  • Business Administration (HBO or WO);
  • Marketing management (wo).

These courses generally last 3 to 4 years. In addition, there are the necessary courses, training and additional courses in the field of online marketing. Examples of this are:

  • Performance marketing
  • Email marketing campaign training
  • SEO specialization course
  • Conversion strategy development
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Law of Otter PR (Public Relationships)




Otter Public Relations is the main results-pushed public members of the family organization in Orlando, FL specializing in PR strategy and PR tactics. Our own family, friends, enemies, the stranger through the manner, and all the ones in between.

It turns into clear thru our lifestyles reports that all and sundry. Regardless of our choices or love for him, our Heavenly Father additionally beckons us to love all of us in our lives, especially folks that do not love us or might also try to make people their enemies.

To the volume we consciousness our lives upon ourselves we are empty and on my own. But when we begin residing to bless others, we open the manner to a well-lived lifestyles, in which we experience the Lord’s hand upon us, bringing us peace and gladness.

Perhaps for everyone who has ever lived, or ever will, our first kernel of understanding is that our happiness is basically reliant upon how we deal with others and they treat us. It is our reports with those in our lives that devour us with so much inexpressible pleasure that tears gush from our soul’s core; or canker us with a lot unhappiness, jealousy, fear, pain, anger, and many others., to make us wail because the very damned soul.

We want to be cherished and dispel all rivalry from our lives so we can be pleased and serene, it is ideal for us to know we preserve the keys for our very own peace and in large part for the harmony others feel for us.

As our happiness and unity rests almost absolutely upon the situation of our relationships, we have been given what might also appropriately be termed the Law of Relationships, as it should be taught with stylish simplicity and clarity. As our joy and peace are largely regulated via it, there’s no more useful and beneficial truth for us to know.


Otter PR clearest iterations of the Law of Relationships is recorded inside what’s typically the Sermon on the Mount. The final eleven verses of Matthew 5, beginning with verse 38. The Lord first gives the lesser regulation, which most of those being attentive to Him. Time had been dwelling, as well as maximum folks nowadays, no matter our faith or subculture. He invitations them-and us-to live a greatly divergent popular. He stated, “Ye have heard that it hath been stated, An eye for a watch, and a tooth for a tooth.”

When someone takes from us, we suffer loss. This flowers inside us the natural choice to take from them to atone for our hurt. Otter PR Reviews is natural and not unusual amongst all people, we may also experience in taking every time we lose. It is broadly spoken, “You would have done the identical element it took place to you.” The passions the laws of maximum international locations uphold that this governance is just and enforceable.

The regulation set bounds that the taking was no longer to exceed the whole measure of the loss, the end result of us taking. Person to compensate for our loss is that the man or woman we take from is then harmed. Suffering is though actual and evidently awakens within them the desire to take from us to make amends for their grief.

Taking-and-dropping is the order of the natural world as we realize and exist in it. It is all about the commercial enterprise of accumulation and convalescing from loss. We do not take from others, how will we benefit and development. We do no longer retaliate against folks who take from us, may not they sincerely walk throughout us?

Taking-and-losing is the effective negative 1/2 of The Law of Relationships and a natural path in mortal lifestyles.

It permeates our least to best reports and relationships. Whether we’re amongst our circle of relatives or out amongst others, our each day is wearily full of “take-and-lose” exchanges.

Push upon us a negative expression, say something derogatory to us or to someone else about us, take the apple we were going to shop. Reduce us off in traffic, or circulate in the front of us in line. Steal by way of various means our buddy, partner, transportation, or house. There are thousands of engagements, lots of which we inevitably revel in at the same time as nevertheless kids.

Person takes from us, regardless of how small our loss, it clearly triggers within us an urge to take from the person responsible or from a person. People comment, “Watch out for that character.” Most often, those are those who’ve freshly suffered being taken from. They can be better later, they find to take from to catch up on their loss, they are dangerous to be around.

There is a few immediately pleasure in retaliating through taking. The taker feels justified, and might utter the word, “That felt top.” But the thin relish of taking quickly turns bitter and isn’t the stuff of happiness. In reality, it’s miles the certain propellant of bad relationships and shrinking souls.

Giving-and-receiving by otter PR reviews

It’s miles evil and we have to refuse the inclination to participate. Otter PR reviews “withstand” is to push or combat in opposition to something pushing us. The Lord virtually counsels us no longer to thrust back, no longer to grow to be mired. The evil bathroom this is the sector’s fundamental taking-and-losing financial system.

It is a provocative and radical invitation. Losses we may additionally revel in in our lives which major they’re exceptions. Anticipating our tendency to are seeking for out the least necessities for dwelling this foundational life principle. The Lord next offers three enjoy-examples so fierce and extensive, it leaves us little room for exemptions. He also gives the redemptive key to dwelling the Law of Relationships imbedded in every instance.

Individually than our dignity. There are few things that so patently communicate contempt and private disdain than for one man or woman to slap some other in the face. Few can suffer loss in this uncooked way without mounting a livid reaction in an try and catch up on such intimate injury.

Unquestionably, the universally-felt feelings of this offense are the purpose the Savior used it as His first instance. This isn’t always simply a loss. When we have been taken from so savagely, is there every person who might not deal out passionate vengeance?

So, those collected at the mount need to have been-as well as we today may be-taken aback into quiet reflection as to what could occur if we became our different cheek and gave one of these rude, affrontive character the possibility to strike us once more.

When I examine this the first time I became in high faculty. I understood what the Lord suggested, but the software appeared unreasonable and impossible. My mind went to three bullies who had tormented lots of my fellow college students and me in earlier years. They did not seem quite human, to mention not anything as acting to be kids of God. As I considered what they might do if I turned my other cheek to them, it regarded certain they would strike me once more with all of the extra rancor.

As the Lord continues, He reduces the possibilities for exceptions even more as He invitations, “And if any man will sue thee at the law, and get rid of thy coat, permit him have thy cloak also.”

Whether we’re in a small claims motion or greater state-of-the-art felony entanglement, whilst we are forced into public display and fees are delivered in opposition to us, it’s miles caustic nearly past enduring. Especially if we are defendants with very little way to guard ourselves- especially if we have only life’s essentials to be taken. Courts and their very public assaults and defenses are important amongst the general public, however how unhappy are the effects from such caustic practices, too regularly damaging all contributors.

And so, the King of Heaven speaks of someone who sues us whilst we have no home, no wagon, and no animals for them to take, so the most they will sue us for is our coat. If someone pursues this meager goal and they win, then, after we’ve suffered the humiliation of public accusation and defeat, and our coat is taken from us through pressure of regulation, then the Master invites us to present the taker, of our personal freewill, perhaps one of our very last possessions, our cloak, the overlaying for our coat.

The 0.33 example may additionally appear less difficult in comparison with the primary two, however turned into especially difficult for the listeners in the day and vicinity it changed into given. Palestine became occupied by Rome. All who had been no longer herbal Roman citizens were subject to carry the burden of a Roman soldier for one mile. Knowing they might usurp their time and power, non-Roman residents averted Roman squaddies. And so, the Master stated, “Whosoever shall compel thee to move a mile, go with him twain.”

Imagine our day is tightly scheduled. We are urgent forward, walking the good race of life and we spherical a corner and directly right into a Roman soldier who instructions us to take his burden on our shoulders and observe him a mile. But we’ve those looking forward to us who will worry while we do no longer well timed arrive. There are matters we can not be able to do which we have planned. Further, this may likely take us in a direction opposite to the only we had before determined.

Perhaps of the three examples, this one gives us the most insight into the power of this second half of The Law of Relationships. For on the stop of the mile, when the intrusive man or woman says they’re finished with us, we maintain onto their burden and say in effect, “You have to want my assist. You took the first mile. Let me deliver your load for some other mile as my present to you.” In this situation, we will begin to see how superb trade might naturally occur in the person that took from us, as well as in ourselves, whilst we freely provide to them.

The mind of the usurper concerning us all through the first mile are easy to understand. But what of the second mile? What would the emotions and communique be like? Perhaps the imposer will ask why we’re assisting them. They might also suspect the trickery of the arena. They may be worried we’ve got expectations this could obligate them to us in a few way. Every question lets in us to speak what we truly sense. “My pal, you want assist and I am thrilled to present it to you.” Such gifts change the temperament of both receiver and giver, and decimates the negative electricity that comes from taking.

The Lamb of God first absolutely demonstrates that once a person takes from us and we lose, our natures change and we’re driven to catch up on our loss

Your Beliefs Influence Your Relationship
Your beliefs approximately relationships influence your relationships, and not usually in true approaches. Where your ideals about relationships come from would possibly surprise you. This article will help you begin the exploration so that you (instead of inherited or found out ideals) can decide the fate of your courting.

First, permit me say that ideals are not the same as reality – genuinely not Truth with a capital “T.” Beliefs come to us from a ramification of assets. Our parents bypass right down to us beliefs their parents taught them, who have been taught by using their mother and father, who had been taught through their parents, and so forth. Beliefs additionally develop from revel in. If no one ever instructed you to no longer touch a hot range because you’d burn your self if you did, it’d only take touching a hot range one time to create that notion in you!

Beliefs increase from what our instructors, preachers, dad and mom, and friends tell us as well as from the reviews we have with those people. If you’ve got one discern who is in particular loving and some other that is punitive, you develop up with a special set of beliefs from your round the corner neighbor who had two specifically loving mother and father (or two punitive parents).

If you have been teacher’s pet maximum of your youth, it only takes one trainer who made you his or her whipping boy (or female) to be able to come to trust that authority figures cannot be relied on. Negative reviews like shame and guilt deeply shape our ideals.

Beliefs affect the profession you pick out, the foods you consume, the number of children you have (or don’t have), the faith you hold, the individual you marry, the pals you make, the quantity of cash and possessions you’ve got on your lifestyles, how you raise your youngsters and your pets, and so on. Beliefs affect the entirety.

Otter PR (public relations) shows of love make you uncomfortable? Does your spouse’s desire for no PDA make you feel insecure? Can you tolerate your partner flirting with a person else or does it make your pores and skin crawl? How often do you are making love? Do you’re making love with the lighting fixtures on or off? What time of day do you’re making love? Do you do not forget birthdays and anniversaries? Do you fight over food or health care or cash or in-laws or youngsters?

Behind the answers to every one of these questions and extra are beliefs. With many relationship beliefs, you and your accomplice having opposing beliefs is not any large deal. But with others, having opposing beliefs can make or wreck a relationship. To use an excessive example, some choice an open marriage. Neither Sarah Elizabeth nor I preference any such dating. For both folks this idea harks returned to “swingers” within the 1970’s and ‘eighty’s. It looks like an anachronistic idea, particularly as soon as AIDS came at the scene. However, it is very plenty part of a few couples’ lives these days. Fortunately, my wife and I are at the identical page on this issue. Moreover, our beliefs tell our stance. If one people desired an open marriage, it would wreck the connection.

On the alternative hand, I don’t take care of public presentations of love. If it have been up to Sarah Elizabeth, our affection would be on display no matter wherein we have been! Both of our dreams in this trouble stem from beliefs but our deadlock on it is not a make or destroy deal. We both compromise. I tolerate greater PDA from her than I’m comfy with and he or she’s gaining knowledge of to now not take it individually after I control her efforts to like me up in public.

Otter PR reviews subsequent time some thing is not proper to your dating – while the chemistry would not experience true – whilst you are afraid you want to call it quits, I recommend preventing and mulling over the possibility which you are each being driven by means of opposing beliefs. If this is the case, due to the fact ideals aren’t the Truth, then you may comprehend that what is occurring does not have to hurt your love. Address the ideals and spot if compromises may be made or clearly actual understanding carry you lower back together.

In addition, a fun way to boom the intimacy for your courting is to study and document in which your individual, similar, or complimentary beliefs affect your courting in a advantageous manner. Not too long ago, Sarah Elizabeth had an observation approximately one in every of her beliefs that very a whole lot helps our courting. It dawned on her after twelve years of marriage that it’s miles vitally critical to her that she and I gift a united front to the arena.

She happened to stumble upon this observation approximately herself as she gave notion to a girl in her lifestyles that continually undermines her associate. Sarah Elizabeth was suffering over the truth that she just couldn’t apprehend the opposite woman’s position.

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