Guy Work

By Kirthy Shetty

 Redundancy Protection Plans help those who have lost a job and have become redundant to get a mortgage payment protection, income protection, other loan protection. With the help of this insurance cover you can make your payments on time regardless of loss of job, illness or accident. Your mortgage payments, credit cards, car finance, monthly payouts, pending debt payments and bank loans are taken care of. If you have bought your home via mortgage loan and have used home equity mortgage loan for your residence, then this can be categorized as Mortgage Payment Protection Insurance or MPPI.

If you are a homeowner and have used your home as equity to safeguard the mortgage loan payments, then there is a risk of losing your collateral pledged with the lender. The lender will repossess your house in case you are unable to make your loan payments on time due to your loss of job, illness, accident and no source of income. This can be protected by Income Payment Protection Insurance plans. Your insurance provider will offer you either part of your salary or a full amount of your income for a period of 12 months. The amount and the period of claiming it differs from one insurance provider to another. This will help you meet your living expenses and make other pending payments till you find another job. Some mortgage payment protection covers full payment of your monthly mortgage charges. It is always advisable to be prepared in times of any unexpected redundancies as you may face some risky events and find it difficult to manage your living expenses and timely mortgage payments. Most importantly, your collateral or home is at stake. Weigh all pros and cons of such payment protection coverage. Find out from insurance experts which is the most suitable insurance cover for protecting your payments.

Before you opt for an unemployment payment protection, see if the insurance provider covers self employed people too. Similarly, employees on contract must choose unemployment insurance carefully. Payment protection insurance companies will accept a claim only if the worker is on a yearly contract that has been renewed at least once every year. Or else you should be in employment for at least 6 months with the same employer or organisation, wherein the contract has been renewed twice in a year. Here, unemployment insurance will pay only if the contract has been terminated early, and the unemployment insurance benefit will be paid only until the date the contract would have expired.

Income Payment Protection Insurance guide from: Income Payment Protection Insurance

For more information on: Redundancy Protection Plans

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Creating a Website Development Agreement

By Jim Cochran

 Developing even a simple web site can quickly become a complex job, so clarifying expectations at the beginning of the project is always a good idea. Thats why an experienced web developer’s first move is to get the clients signature on a comprehensive website development contract before starting any project.

A website development agreement governs the relationship between you the web site developer and your client. Having this type of agreement in place makes good business sense whenever youre hired to develop, design or implement a web site for one of your clients.

A web development contract protects you against the various liabilities associated with the development of web sites. The idea is to clearly establish the rights and responsibilities of each party over the term of the website development agreement, eliminating the possibility of any misunderstandings that could arise from a lack of communication.

Keep It Clear

These agreements typically include a detailed statement of work, which clearly defines the scope of the services youll perform on an ongoing basis. This might include key tasks, project milestones anddeliverables, time and cost estimates, and project organization and personnel requirements. Additionally, web development agreements usually include price and payment terms that can help you avoid scope creep, which is a common problem during web development.

Other important components of a website developers contract may include limitation of remedies and limitation of liabilities clauses. A limitation of remedies clause might state that the clients sole remedy is the correction of material defects or deficiencies brought to your attention within 90 days of completion, while a limitation of liabilities clause might cap your total liability at the amount you are paid for your services.

A sample website development contract might also include provisions for the termination of the agreement, ownership of intellectual property, warranties and disclaimers, confidential information, and employee solicitation and hiring.

Too Much Legalese?

If it sounds like your contract needs to contain a lot of legal jargon, dont worry. While you could hire your own lawyer to draw up a web development agreement from scratch, it is likely to be much more affordable to use an existing form or template agreement for website developers.

A template website design and development contract makes the process easy by guiding you through development of your statement of work and other contract components, and helps ensure that youve addressed the key variables you may encounter during the project. Often, web development agreement templates provide examples and sample contract wording, eliminating some of the guesswork for you. It is recommended that you have a lawyer review your completed website development template or form contract for your peace of mind.

Depending on which other web development or design services you provide, you may also need contracts addressing ASP relationships, web content contributors, web site advertising, web site hosting, and web site terms of use. Other helpful contracts may include employment contracts and agreements for subcontractors and independent contractors. And, you may need a template privacy policy for use on your own or your clients site.

Many website developers prefer to purchase a web design and development contract template package that includes all of these documents, allowing unlimited, as-needed use at an affordable package price.

Clear Communication Makes for Happy Clients

Having a legally sound website development agreement, signed by both parties, protects you from financial and material losses, while helping to ensure clear communication with your client. By setting clear expectations at the outset of a web development project, youre much more likely to end up with a satisfied customer, a good reputation and repeat business.

Jim Cochran is the founder of ContractEdge, a website offering legal contract templates online. ContractEdge offers legal contracts for web developers as well as development and website hosting agreements.

Choosing a Pre Employment Sales Personality Test or Sales Aptitude Test to Hire Top Sales Executives

By Dan Joy

 Hiring managers have long known that it takes more than just personality or psychology alone to close the sale. An old style pre employment test, sales aptitude test or sales personality test may be inadequate in helping you hire Top Sales Executives or great Regional Sales Managers. Testing for Total Sales Ability ™ is the best solution, and businesses interested in hiring great sales people or regional sales managers can now receive 10 FREE Sales Assessment Tests from Dan Joy, Inc.

As a business executive or business owner, how can you tell which of your job applicants can really sell? Use Sales Assessment Testing to find out. Here’s what you need to know about Pre-Employment Tests or Sales Assessment Tests if you are interested in hiring a Top Sales Executive or a great Regional Sales Manager:

A. Sales Personality Testing is not enough:

Testing for sales personality alone is not enough. Would you select a doctor just because they had a good personality but no skills, ability or experience? Similarly, using a sales personality test to predict sales potential often results in disappointment. Many sales personality tests look at a person’s outwardly style of doing things, but there may be no real link to actual sales performance. A personality based sales assessment test may help determine a personality type, but may not help determine whether someone can actually sell. Testing for Total Sales Ability ™ is the key, and presently there is only one pre-employment sales test which provides that, as explained later in this article. You can also use The JOY Tests ™ of Total Sales Ability ™ to test your current salespeople for promotion, retention or sales training purposes.

B. Sales Aptitude Testing is not enough:

Similarly, pre employment sales assessment testing based on a person’s sales aptitude alone is not sufficient. Many pre employment sales aptitude tests look at a person’s psyche or internal motivations for doing things, but there may be no absolute link to actual sales performance. One may have the right sales aptitude or Sales Psychology but if the actual Sales Ability is missing, they probably won’t make much headway in selling. Moreover, a pre-employment sales aptitude test may not take actual selling techniques (learnt by real world sales experience) into account. The JOY Tests ™ of Total Sales Ability ™ can help where many others cannot.

C. Sales Skills Testing is not enough:

The mental component of selling is critically important. So, Sales Skills Assessment alone is not enough. Having the sales skills but no drive or motivation wouldn’t suffice. One must test for more than just a job applicant’s selling skills. Moreover, business methods and sales tools are constantly evolving. The sales approach which used to work a few years ago may not work today. You need a well-rounded pre-employment test of sales ability which keeps up with the changes in the ways that contemporary business is conducted. In other words, you need a pre-employment sales test which is thorough, up to date and well rounded, like the one recommended later in this article.

D. Lack of Sales Call Reluctance is not enough:

Just Sales Call Reluctance testing by itself is not enough. There are people who can call relentlessly but never close. Closing the sale requires proper sales techniques and sales abilities too, not just a lack of sales call reluctance. Total Sales Ability ™ testing like that offered by Dan Joy, Inc., can be a huge asset for you when trying to hire a great Sales Executive — Salesman or Saleswoman, or a good Regional Sales Manager.

E. Our Recommendation — Assessment of Total Sales Ability ™ is the Best:

The JOY Tests ™ of Total Sales Ability ™ can help reduce subjectivity and guesswork, and help employers make more objective hiring, promotion or retention decisions. They go above and beyond the old style Pre Employment Sales Personality Tests and Pre Employment Sales Aptitude Tests, by testing for Total Sales Ability ™ instead: http://www.danjoy.com/

A hiring mistake can be costly. The JOY Tests ™ of Total Sales Ability ™ can help employers and recruiters immensely by testing for sales prospecting ability, objection handling ability, sales closing ability, personality, psychology and more — a total of up to 50+ sub competencies, traits and advanced selling techniques critical to sales success.

They can be used as pre employment sales tests to test Business Development professionals at different career levels, e.g., a Sales Person (Salesman or Saleswoman), Sales Manager, Sales Director or VP of Sales & Marketing. The JOY Sales Tests ™ may also be used to identify and quantify Sales Training needs to help you bridge certain sales training gaps or correct certain sales skills deficiencies in your current sales team. Thus, you may also use The JOY Tests ™ of Total Sales Ability ™ to test your current salespeople for promotion, retention or sales training purposes.

The 10 major areas of ability tested by the potent JOY Sales Tests ™ are:

1. Sales Prospecting (Leads Generation) Ability.

2. Appointment Setting, Cold Calling, Rapport and Presentation Ability.

3. Objection Handling and Negotiating Ability.

4. Sales CLOSING Ability and Asking for Payment/Deposit.

5. Cementing the Sale (Re-assuring the Client), and Ability to Get Referrals.

6. Computer / Internet / Email / CRM and Sales Tools Ability.

7. Miscellaneous Crucial Sales & Marketing Abilities

(Various Secondary Factors — Personality, Psychology, Skills, Aptitude, Ethics, etc.)

8. Sales Team Recruitment Ability.

9. Sales Team Management / Leadership / Motivation Ability.

10. Advertising, Marketing and Public Relations Ability.

So, how can employers tell which job applicants can sell? They can start with 10 FREE Sales Assessment Test units (Screening Tests) at http://www.danjoy.com/

Dan Joy (BS Engineering, MBA Marketing) is an acknowledged Sales and Marketing scientist. Employers may receive 10 Free Sales Assessments at http://www.danjoy.com/

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