Next, make a list of the phone numbers and Web addresses for your travel agent, airline, hotel, rental car company, and any other travel related contacts.
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For example, if you carry low deductibles, ask your agent for a savings estimate of increasing your deductible.
Also, consider adding a provision to give a specific person--say a friend or relative--visitation rights if you're hospitalized. (Otherwise, hospitals might impose restrictive visitation policies.) You may also want to spell out your wishes about organ donation--for example, state if you want your agent to keep you on life support while waiting for a donee match.
If the appraised price doesn't seem justified, ask for a second appraisal by a different appraiser (though you or your agent may have to pay for it).
One thing your dedicated service agent can do for you is help with replacing lost or broken merchandise.
Your broker, your insurance agent, your accountant, your banker, even your lawyer might likewise concoct a plan for you, with the cost somewhere in between.
For prepaid hotels and rental cars, check back with your agent daily to see if the policies have been updated.
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What personal priorities are important for you as a marketing change agent as you set out to accomplish your mission?
An FBI agent shows up without notice at your home at night for a chat, during which you end up denying the old crime.
In the showroom you can sit down for an imaginary supper and a jellyfish-shaped "agent" will swim your way that will let you download text and images from the web though we can't honestly picture how this works, or understand why we need Internet access during dinner.
For now, however, it seems the generous offer to spend your Saturday with an IRS agent doesn't hold that much appeal.
However, if you have W2 income, mortgage interest, and a few investments in your portfolio, an enrolled agent may end up being the right tax professional for you.
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You can also ask your local state securities (see NASAA link above to locate your state securities agency) or insurance regulator for a background check on any broker, adviser or agent.
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But if you forget or neglect to mention that you're working with an agent, your agent is out of luck even if he's driven you around for weeks and showed you 28 other houses.
Alternatively, you could ask a local real-estate agent, builder, contractor or building association for the average rebuilding cost per square foot in your area or pay for an estimate from the websites HM Facts or Accucoverage.
Your agent will probably push you toward a permanent policy, because it's much more lucrative for him.
Whether domestic or international, that agent is required to obtain your legal name so that it matches your legal document (used for identification purposes by TSA), as well as your date of birth.
It is very easy for a travel agent to explain such differences to you at no cost, very hard for you to figure out on your own, and even if you do, there is no upside.
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