Finance Tips

Clarity is the foundation of success. You must know what you want before you can ask for it or achieve it yourself. This applies to successful outsourcing as well.

Before you hire outsourced help, get really clear about what you want from the outsourcing company and the employees they will supply you with. What specific qualities are you looking for in your workers?

This might be a bit uncomfortable at first. As Americans we’ve been culturally programmed that it’s not appropriate, or even legal in some cases, to devise a very restricted set of criteria for your employees.

I’m not advising you to be unethical in your exercise of discrimination. Rather, I’m suggesting that you consider business-needs-based reasons why you might need outsourced employees of a certain age or gender. These are legitimately acceptable considerations overseas, so take advantage of the fact.

Remember, you are in charge.

These people will be your workforce, and you can ask the outsourcing company for whatever kind of employees you want. If you need a phone bank of all females, not a problem. If you need the energized attitude of an all-under-25 workforce, you can have it.

Also consider the following criteria. What time do you need your outsourced employees to be available for work? What specific kinds of experience and skills do you need your employees to have? What level of English speaking, comprehension, and reading ability do you need your employees to have? Do you need workers with proficiency in Microsoft Word and Excel? Are you looking for payroll and accounting experts? Get very clear about what qualities will bring you the biggest success for your particular business.

You are in control.

You decide exactly what type of outsourced employees you want. As a fellow American businessman myself, I understand that you may have grown accustomed to accepting what’s available in the stateside workforce, or that you may fear the legal implications of asking for what you want. But have no fear. With an overseas outsourcer, you can confidently ask for and get precisely the kind of worker your business really needs.

So, when you are considering prospective outsourcing companies, make sure you are very clear about what you want. What you ask for is what you get!

Depending on the breed of your dog, you may either not qualify to receive insurance from certain companies or you may face a significantly higher home insurance premium. Many insurers believe certain types of dog to be dangerous and therefore high-risk. So although dog owners consider their pet to be as much as family-member as anybody else, they must also be considered expensive assets in terms of homeowner insurance.

There is a debate raging between dog owners, organizations and home insurance companies around the topic of breed discrimination. As the temperament of dogs can vary greatly even within a breed, it is controversial to consider any one breed more high-risk than another. Never-the-less, dog owners should be aware of whether their particular breed is deemed dangerous by their insurer so they can estimate their liability coverage and the price of their quotes.

The factors and criteria by which homeowner insurance companies determine how dangerous different canine breeds are can vary between companies. Dog owners should be well aware of how dangerous their pet is deemed to be before taking out or renewing their cover.

Because of the varying criteria used by different companies to determine the risk-level of each breed, dog owners should research and compare home insurance extensively before settling for a policy. They should also speak to an agent for guidance but shouldn’t be surprised if the agent refuses to offer any cover at all or if he/she does, it is at a high rate.

The size of the dog is a key factor in how dogs are evaluated for home insurance. Small dogs are less likely to be a problem as they might be less likely to bite. Larger dogs, however, will always be evaluated by how violent they are, could be or the harm they are capable of inflicting.

The bite is another key factor is determining the risk level. Breeds with a history of inflicting frequent bites to humans are inevitably going to cost more to insure than those without. Unfortunately, the dog owner has to pay the price, fairly or unfairly, for the history of the breed of his dog. However, according to the Centers For Disease Control and Prevention, 4.5 million Americans suffer dog bites every year so it is an important factor that must be carefully considered.

Reputation of the breed is also a key factor. Insurance companies collect reports involving dogs made by authorities such as the Centers For Disease Control and Prevention and use them to judge the risk level of the breed and how dangerous it is to its owner.

Highest risk Canine Breeds according to Homeowner insurers

The following breeds are considered as the most high-risk and those homeowners should avoid:

• Akita
• Alaskan Malamute
• Chow Chow
• Doberman Pinscher
• German Shepherd
• Pit Bull
• Presa Canario
• Rottweiler
• Siberian Husky
• Staffordshire Bull Terrier
• Wolf hybrid

Dog owners with any of the above breeds can expect to pay a high homeowners insurance premium. In some cases, dog owners can consider themselves lucky even to find a homeowners insurance provider willing to insure them and their beloved pet.