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WHY SHOULD A BUSINESS OWNER CARE ABOUT SOCIAL MEDIA?

When asked to write a “guest article” for the Chamber Blog, I was flattered. Confused and bumfuzzled as to what perspective I should take, but still excited about the opportunity.

Ignoring social media would be ridiculous. Thinking it is something that will go away is just as crazy. Yet, many others still give me an “eye roll” or a chuckle when they hear that I post, tweet and blog. Odd, isn’t it? As a business owner, one needs to be alert and aware of what’s going on outside the box. We operate within the box we’ve created. Yet, we reach out on a daily basis to those outside of it. By recognizing the reach of social media, we simply extend our ability to communicate with the world around us.

I started with Linked In. It was easy to use and understand. It seemed “safe” because there were many other business professionals using it. My online resume and page did the same thing as my business website. It made me “real” and credible. Yet, it also did more. It “linked” me to other people I knew and ultimately other people I hadn’t yet met in the real world. The web of networking was never so clear and visualized.

Facebook looked like a fun thing. I didn’t really see it as anything that made sense for business, but it had all the bells and whistles that would make anyone intrigued! It was a virtual amusement park for adults! There are games and quizzes that could engage one for hours. Heck, I learned I type 92 words per minute, faster than in high school! Who said this aging thing was bad? Then the photo section! Wow! In minutes, I could “visit” high-school classmates, the countries they’ve visited, their pets, their kids…and I could post mine, too! Like Grandma at the grocery store when she pulls out her wallet to show off the grandkids…I could “whip out” my virtual wallet of history to show whenever I wished! Updating is addictive. Realizing how much we love to communicate didn’t surprise me. We’re human. But being able to process what all of my friends are doing throughout a day or week is amazing. With a telephone or email, we might know what a few are doing. But with this? Wow.

Soon I found Facebook had an option for the business! A “business page” linked to my personal page allows me to inform and advise “fans” when something interesting crosses my insurance radar screen. I can send updates about weather situations, seminars, open houses, helpful tips and news! Kind of like having my own personal podium out in the middle of Main Street!

Getting cocky with my newfound skills, I figured it was time to start a blog. Months before, I didn’t even know what a blog was. It sounded nasty…didn’t it involve a gelatinous monster that was going to eat the city? I watched enough late-night television to know that there was danger ahead for Will Robinson.

But I forged ahead and made friends with the program. You can insert photos, videos, do all kinds of creative things. Again, it became one more way to share the information I had with others. The blog is now a part of my regular website (www.hosfeldinsurance.com) and it can be updated anytime! I can do it myself, whenever I have something relevant to say. I no longer have to make my web guy nuts every time I feel a need to add something…I can do it from anywhere! He handles the big website stuff, but this is so within my skill set!

What else could there be? Ah, little grasshoppers…there was still the Mighty Twitter. I had signed up for it, decided it was useless, stupid and difficult. Made no sense. Who could ever get a point across with 140 characters? And who was listening? Strangers? No thanks. I closed the account.

Perplexed that I was missing something, I tried it again. There HAD to be something to this thing! I “followed” some folks who seemed reputable. I let them “follow” me. The whole thing screamed “STALKER” to me…

When my first stranger “followed” me, I freaked. Why would she do this? Who is she? What does she want? Oh, Lord, what have I started? I consulted with a friend who is a “social media guru” and he assured me that this is the way Twitter is SUPPOSED to work…that this was a GOOD thing. Whew! Who knew?

Eventually, I got it. I made friends with folks I’d never met! I then met them at organized gatherings at local bars and restaurants. I realized how cool this thing really was! Suddenly, I “knew” people from various towns, jobs, age groups, just through meeting on Twitter! After meeting in person, tweeting with them became even more fun!

Emoticons have become my friends. I can LOL with the best of them. I tweet with my tweeps on Twitter and I sponsor Tweetups. Oh yeah, it’s that crazy!

These venues exist and prosper because we’re human. We want to communicate. We want to share. Work is busy, life is busy…yet, with a few spare seconds, you can still reach out and know there are others out there with similar experiences. We may not have time to sit at the diner for coffee, or at the pub for a beer, but we can “chat” via the Blackberry anytime, anywhere.

When I started my insurance agency in 1998, I was incredibly lonely. Working alone, there were many days the only person I saw was the postman. Four walls and a telephone. Cold-calling strangers is not as fun as you might think.

Had that been 2009 instead of 1998, I would have had a network of “links” “friends” and “tweeps” upon which to rely. Whether you have a sick cat, a flat tire, or a bad case of the flu…there are folks who are a keystroke away from offering advice and/or a kind word of encouragement. From a personal standpoint, or a business one, this is invaluable. Fewer than 140 characters “Hang in there” “Congratulations” or “Go get ‘em” can mean the world when you need to hear them.

By providing a free-flowing stream of fresh information and data, Twitter rocks. By “following” the right folks, you are up-to-the-minute on local or global news, weather, traffic or any subject that intrigues you. Earthquakes on the other side of the world are tweeted before you see them on CNN! You can know when that new Thai restaurant opens…you can see the fabulous pasta dish that someone ordered within seconds of it arriving at their table!

I’ve been able to be a resource to others as well. Whether it’s answering a basic insurance question or arranging to meet for a personal review of someone’s policy, these models allows conversations to occur. Late at night, I can chat on the Blackberry, having conversations I wouldn’t ordinarily have in my pajamas chugging hot chocolate!

Time sucker you say? Not as much as you might think. Relatives have asked me when I find time to work since they see me on Facebook “so much”. Truth is, I work a lot. But because I can communicate from anywhere on that Blackberry, I use those empty time pockets to post. Whether I’m waiting for the dentist, bored during the commercials, or just being a passenger in a car…I can share things in an instant. Maybe it’s an amazing sunset. An astounding plate of chili-cheese fries. Or an update on a bad traffic situation. Most of what I post is useful, relevant or fun. Hopefully, all three!

Will social media replace regular networking? Never. The virtual interplay is enhanced by “meetups” and “tweetups” and informal gatherings for coffee. We’re human. We still like to see smiling faces, hear chuckles and giggles, and connect with warm, firm handshakes. Social media options simply provide valuable introductions before we enter a room.

We need not worry about our world becoming cold and impersonal. These simple tools allow us to go back to the playground and “make friends” on the most basic terms. The rules didn’t change. It’s easy. Just like Mama taught us, BE NICE, SHARE and HAVE FUN!

@hosfeldinsuranc (On Twitter)

Hosfeld Insurance, LLC (On Facebook)

www.hosfeldinsurance.com

We’re heeeeeeeeere!

Well, we’re all safe and sound in our new home here in Macungie!

Among the many things for which I’m thankful, finding this storefront location is one of the biggest!   As you can see, we have a great sign, windows that let in the beautiful sunlight, and a whole lot more space than ever before!

We’ve had a very full year!  Lots of changes!  Lots of good stuff!

On this Thanksgiving, I want to say THANK YOU to our amazing clients who’ve been so supportive during our move!   We can’t wait for you to see the “new place” and share in our excitement!

We will have special “gift bags” available for clients who send us an email RSVP to attend the “Client Appreciation Open House” on Saturday, December 12th!   Everyone is welcome to join in for the fun and refreshments…but for CLIENTS who RSVP by email to the event before 12/10…YOU will receive a special gift bag LOADED with cool stuff!

We’ll be here from 9-3, Saturday 12/12/09.  Guess what?  It’s the SAME DAY as the “Macungie Holiday” so plan to spend some time in town enjoying the horse-drawn wagon rides, gingerbread house competition, breakfast with Santa and more!   Trolley rides will take you through town, so parking in one of the lots is probably the easiest way to arrive!

Here’s the link for the whole day of events:  

http://www.scribd.com/doc/22681269

To RSVP that you’ll be visiting our new place AND reserve YOUR gift bag, email me at donna@hosfeldinsurance.com before 12/10/09! 

Hope to see you then!

 

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OK, so maybe what this guy is doing is a little harder…

Today,  my friend Tracey Werner inspired me to do a blog entry about how we started.  She launched a marketing and public relations company and asked about what motivates other entrepreneurs.   Be sure to visit her new website at www.blabbermouthcommunications.com

Back in 1998, I was completely happy in the Claims Division of Erie Insurance.  Never thought of leaving.  Would have been happy to work there until I retired and got a magic pin or watch or whatever they give you!

Wanting to advance, I interviewed for a home office position with someone who would later become CEO of the company.  I didn’t get the auditor job.  That person felt I was wired for more of a “people” position, in agency, than I was for putting checkmarks on a list.   Next thing I knew, the Branch Manager was talking to me about agency startups.

Upon first discussion about starting an agency, I think I actually laughed.  I didn’t think I would be “brave” enough to leave the comfort of an incredibly stable position where I was paid well and instead go out and make a living by selling insurance policies!

Being a “scratch” agent means you start from scratch.  You don’t get a list of clients or leads from anyone.  You don’t get a salary.  You don’t have an employer…that’s YOU!  The first policy you write is your own auto insurance.  The second is your home.  The third, your life.  Then, you have to find more people…people who aren’t YOU!

The excitement is addictive.  Finding the perfect office location!  Buying some furniture…all used, thank you Clifford Nolt of Breinigsville!  (Office Furnishings @ 1926 Kecks Rd. Breinigsville!)  Even cleaning your new office windows is a thrill!  Ordering pens with your name on them?  Woo hoo!

Then, the fear.  Mixed with the excitement, it’s bearable…but it is still incredibly scary!  When I began, I was single, I had a mortgage…heck, I had two cats who depended on me!   At that point, you go into what I call a “mega-hyper-conservative” mode.  I budgeted myself to $20/week for the grocery trip!  And that included the cat food and cat litter!   Nah, I didn’t get skinny.  I had family and friends who kindly fed me, as though I were the neighborhood stray cat!

The evening telemarketing was the worst.  It was before the “Do Not Call” list, so we gave it a whirl.  Today, the penalties are too great if you make a call and it is “unwanted”…plus, we are lucky to work almost exclusively on a referral basis now.  THANK YOU CLIENTS!  WE LOVE YOU!

Four nights a week (never Fridays, no one is ever home!) I’d sit alone in my office dialing number after number, hoping someone would be interested…honestly, just hoping they wouldn’t call me nasty names and hang up!     But every now and again, I’d get someone who thought I sounded “nice” and “not pushy”…for every one of those, I could get through another 20 of the other kind…so even today, I try to be nice when telemarketers call me…I did it myself and it’s rough!

I walked through neighborhoods and put plastic goodie bags on doorknobs.  I spent weekends sitting in “home show” booths talking to mall shoppers about insurance!  The first year, I actually stood in the snow on Christmas Eve, in hiking boots and a parka, handing out calendars to folks pumping gas at Wawa!  One guy brought the calendar into our office a year later, saying he was ready to sign up with the “crazy Wawa chick from Christmas Eve”…yeah, a year later!

Now, we’re in our 12th year.  Can’t even believe that much time has passed.  Sometimes it feels like it was a month ago that I was eating that microwave popcorn and continuously dialing the phone…

Without question, starting a business is hard.  It’s not for the faint of heart.  Things change daily.  Unexpected expenses find YOU!  You have to get comfortable with change…make change your friend!   As you grow, you need help…finding fantastic team members is the next challenge!  I’ve been blessed to have two fabulous folks join me (Linda Braun & Judy Breen!)

But, it’s been the most fun I’ve ever had not involving chocolate or rollercoasters!  Every day is different.  I am NEVER bored!  I love being able to help people with their concerns and challenges.  Someone once said if you love what you do, you won’t ever work another day of your life.   SO TRUE!

I’m appreciative and blessed.  Thank you to all of the clients who have helped us grow Hosfeld Insurance.  Without your referrals, I’d still be eating that blasted popcorn!  So truly, from the bottom of my heart, THANK YOU!

And, Tracey…a couple years from now, you’ll look back fondly at these “startup days”…telling folks about ‘em on YOUR blog!  :)

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Honestly, we are a little crazy!  If you have been with us awhile, you know we ARE!  But in a good way!

As you recall, we relocated to Main Street Macungie back in February 2009.  We’ve had a fabulous time here.  It’s a great little town and we’ve grown tremendously with YOUR referrals!  Thank you!

Well, opportunity came and knocked!   An awesome building about a block away became available and we’ve decided to zip on down the street!  It’s the one in the middle, behind the tree!

We’ll be moving in mid-November, but nothing really changes for you!  We’ll have the same phone number, website and email address.  Our entire space is “first floor” so it’ll be easily accessed.  On-street parking is available, no meters!

We’ll be having an open house sometime soon.  We hope you’ll be able to drop by and say hello!  For you locals, it used to be Buchin’s Hardware…and long, long ago it was the Macungie Bank!   (19 E. Main Street)

It wasn’t our intent to move again so soon…but you know what they say about opportunities.  We’re really excited about it and hope you are, too!

Check out the inside!  We’ll have it ready for visitors soon!

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19EMAINinterior

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We just got a really cool testimonial from one of our newest clients!   And because of the way we met, I felt the need to share!

By enjoying the various types of social media (Twitter, Facebook, Linked In), I’ve met people I would never have ordinarily met sitting behind my desk!  The conversations and connections have been great fun.

Recently, I answered some basic insurance questions for someone on Twitter.  Within a short while, we were chatting on the telephone and then meeting in my office to set up a new insurance program for her!

She kindly agreed we could share these nice comments with you:

I knew insurance was important for me to have but I was intimidated by the process.  I corresponded with Donna, then went in to meet her and go over everything.  She was so helpful, and broke everything down into terms I could understand.  She is even sending me a follow-up quote for another type of insurance that I may need. Donna really connects with people and I trust her opinion and expertise.  Thanks for a great insurance experience, and hopefully many more!

Thanks again, Amanda D. of Bethlehem!  We appreciate your kind words!

Woo hoo! You Like Us!

We are delighted! 

We represent Erie Insurance and guess what?   Erie ranks highest among auto insurance companies in satisfying new buyers with the purchase experience for a second consecutive year, according to the J.D. Power and Associates 2009 Insurance Shopping StudySM released today.

You can see the actual ratings at http://www.jdpower.com/insurance/ratings/insurance-buyer-ratings

Since JD Power awards are based on consumer surveys, we are especially proud to represent this company!  To those who voted, THANK YOU!

Representing Erie Insurance, recipient of the J.D. Power and Associates Award for “Highest in Customer Satisfaction with the Auto Insurance Shopping Experience, Two Years in a Row”

What’s a PCL? (VIDEO)

oldcarFirst of all, be honest in your evaluation of your car.

Most of us love our cars, it’s an emotional thing.  Some of us even NAME them.  Mine is sadly simple, “Subie”.

However, as they become older, it is important to be realistic about their value.  With insurance, you’ll be looking at “ACV” (actual cash value) which means depreciation is considered and you might not get as much as you would like, if you have a claim.

That being said, note that the comprehensive and collision coverage on your car add signficant premium cost to the bottom line.  Should you still be paying for a coverage that may not be worth it?

If the car has a loan, you have no choice.  You must carry the physical damage coverages until that is satisfied.  Once it’s “yours”, it’s up to you.

Depending on the model, of course, values can start to really dip when you are at the 8-9 model years old point.  Consult with Kelley Blue Book or Nada to ballpark your vehicle value.   www.kbb.com and www.nada.com

Know your comfort level for being responsible to repair or replace that car yourself.  If you have a car worth $2,500 and you can swing it, it may be time to save the premium dollars and drop the coverages.  If you only have $48 in the bank, then maybe the coverage IS still worth having, providing the car is in decent shape bodywise.

Remember, if it has dents, rust or other issues, there may be deductions at the time of the claim. 

Look at your car with a critical eye and be honest with your estimation.  Talk with your agent and see how much is at stake in regard to the premium.  Then make a wise choice for ‘ol Bessie.

CONTRACTORBusiness insurance is becoming a bigger piece of our agency!  Why?

More and more people are starting businesses now than ever before.  In a failed economy, folks who’ve lost their jobs have started enterprises that are an amazing silver lining for what had been their cloudy day.

As with your personal coverage, make sure to find an agent who will secure products that are affordable and able to grow with your business.

In the beginning, you may only need a “basic” liability policy.  Many of our “one-man band” contractors start out this way.  Then, as their business grows, we add the “bells and whistles” that will cover tools and equipment.  Sometimes a commercial auto policy is next.   And eventually, workers compensation for those newly-hired employees.

As your business changes, you will want to have your agent adjust and improve the coverage that protects it.  Be honest about your expectations  and budget accordingly.  With all insurance, you are planning for the catastrophic.  You may want to handle small losses personally.  Large losses are where you will look to your insurer for some help.  Keeping deductibles a bit higher will save on premium dollars.

Most homeowners’ policies have restrictions for your business.  Don’t assume that your “business stuff” is covered because it is located in your home.  There may be some low level of coverage extended, but don’t assume it.  Review your policy with your agent and see what is needed to address the business personal property as well as the liability exposures you now have.

With the new Pennsylvania Attorney General Contractor’s Registration program, insurance becomes an integral part of doing business.  Review the specifics at the state website, http://www.attorneygeneral.gov/hic.aspx?id=4313

Give us a call.  We have some great contractor’s programs that are comprehensive and within your budget.  Don’t even think of starting a job without it!

4thofJULY  Do you think of your insurance agent as someone who has fun…or who exists soley to discourage all that is fun and lively?

NEWSFLASH:  Most of us ARE a fun bunch.  We love getting together with family and friends.  We like a good time! 

We LOVE the 4th of July, too!     Yet, it’s one of the most dangerous holidays!

At this time of year we see far too many accidents, injuries and fatalities that could be avoided.   We urge you to think clearly and make wise choices when enjoying your holiday weekend.

  • Driving–really, really pay attention.  Everyone else isn’t!  Did you know the National Safety Council estimates there are over 200 TRAFFIC FATALITIES and over 10,000 NONFATAL DISABLING TRAFFIC INJURIES nationwide from 6pm on 7/3 to 11:59pm on 7/4?
  • Drinking–go ahead and have a brewski, but designate a driver right from the start!   Drinking and driving don’t mix.  Period.
  • Swimming–cool off and feel like a kid again!  Supervise the children like a mother hawk and limit horseplay.
  • Food–nope, we’re not kidding.  When you have picnics, be cautious about things that requires refrigeration.  Really pay attention to this stuff.  Make sure you’re cooking your meat properly.  Advise others of what’s in a dish to avoid food allergy situations!
  • Bonfires–wonderful fun…but don’t let kids get too close.  Remember that fire can be mesmerizing.  Respect it.  Be sure it is fully out when you leave it.
  • Fireworks–oh boy!  We could write a whole entry on this alone.  Every year, they cause disabling and permanent injuries.  Yes, even the small “at home” ones that seem pretty safe.  20% of emergency room injuries during this holiday are due to SPARKLERS!  Go to a nice professional display and watch the “big boys” do it right.

Be safe this holiday!  Your family (and your insurance agent) will thank you for it!

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