Insurance is defined as the transfer of a risk in case of a loss from one entity to another in exchange for a premium. There is a wide variety of insurance coverages available on the market place. Most policies consist of Property and Liability coverage. On the personal lines side property coverage would include insurance for your home and contents and on the liability side protect you against liability at your home or in your auto. A client can increase their liability limit by having a personal umbrella policy.

On the commercial lines side property risks include building, business personal property, inland marine, equipment breakdown and loss of income. On the liability side it could include issues with your products, slip and falls at your business, personal injury, advertising liability, medical, workers compensation and business auto liability to name a few. To increase the limit of insurance under the liability you would add a commercial umbrella policy.

The client needs to meet with an insurance professional to discuss what coverage they require to be insured properly to cover them in the event of a claim. The purpose of insurance is to put the party back to where they were prior to the loss.

This industry is represented by: Jacoba Worsdell Company: Lapre Scali Email: jworsdell@laprescali.com Phone: 623-341-1937 Website: www.LapreScali.com Follow me, Friend me, Connect on:

My career in the insurance industry began 40 plus years ago with providing insurance coverage for my clients. As a producer with Lapre Scali & Company we have access to all the major insurance carriers. I will review your current insurance and any leases and advise you concerning your insurance needs and provide you with competitive quotes. If you are starting a new business venture we will review your exposure and projections for the future.

Currently I hold nine insurance related designations and annually attend insurance education classes. As times change so do coverages and I want to be up to date on my clients needs. I am a member of Arizona Multi Housing Association (AMA), Arizona Commercial Real Estate Women (AZ CREW), and President of Valley of the Sun Insurance Professionals part of the National Association of Insurance Women International (NAIW). My bio has been in Who’s Who of American Women and 2,000 Notable American Women. I have won the AAMGA, American Association of Managing General Agents award for Association Achievement Award in 2004 and 2008 along with several other awards from my local insurance association.

My goal is to assist clients with their insurance requirements by providing them with the best coverage at the most affordable pricing with “A” rated carriers.

In Phoenix Arizona we unconsciously rely on air conditioning and heating for our homes and businesses. Luckily, we have beautiful weather most of the year, but chances are if your unit breaks down it will be when you get home from a tough day at work on the hottest Friday of the year.

Choosing the right contractor for your Arizona air conditioning and heating needs under these frustrating conditions can be difficult.

Several things need to be considered to make the best choice and make your experience less stressful:
Length of time in business – While some companies may offer a great “deal” and include gimmicks such as refrigerant or a filter, contractors who may charge a little more will be there when you need them, whether it is routine maintenance, choosing the perfect system for your home or business, or on a breakdown when technical training makes a difference.

Types of service provided – Does the contractor perform maintenance, emergency repair service and replacement? Some contractors focus on replacement or new construction and either outsource their warranty calls or make them less of a priority.

Better Business Bureau and Registrar of Contractors Report – While it is next to impossible to have a stellar report (Air Conditioning by Jay does) with the Better Business Bureau, make sure that your contractor does not have unresolved complaints.

Commitment to Excellence – A good air conditioning and heating contractor will have processes in place to ensure that your experience is a pleasant one. Service representatives that are chosen because of their attitude and customer servitude need to be supported by great processes such as ongoing training and quality control.

Leading Technology – Geothermal technology is being introduced to the Phoenix marketplace in order to reduce our electric dependence and lower our utility costs. This highly efficient process solves many issues such as noise, aesthetics, and high utility costs while adding unexpected extras such as free hot water and extending your swimming season.

This industry is represented by: Cherri Marrese Company: Dial Comfort Email: cherri@acbyj.com Phone: 480.922.4455 Website: DialComfort.com Follow me, Friend me, Connect on:

About Cherri Marrese

Cherri believes that people make the difference. She is currently the general manager of Air Conditioning by Jay, a service organization that feels the same. Strategically, she has placed an effort to ensure that the right people are in the right place at Air Conditioning by Jay. This approach coupled with ongoing training and an emphasis on a service attitude ensures that her customers get undivided attention when dealing with every level of Air Conditioning by Jay. As a part of the organization since 1994 (HVAC industry since 1981) and participating in all departments from estimating, to accounting, she has a well rounded appreciation for all aspects of the business; service, replacement and new construction. Cherri was asked to speak at the Comfortech 2007, a national industry event for professionals. Each year, she effectively coordinates and manages exposure at trade events with her largest execution being in 2009, the Greenbuild International Conference hosted here in Phoenix. Giving back to her community is important to Cherri, so each year she is actively involved in several events such as the American Lung Association’s annual charity walk, and Habitat for Humanity.

Local Involvement
Arizona Women Networking
American Lung Association – Arizona Chapter
Arizona Green Chamber of Commerce
US Greenbuild Community
Habitat for Humanity

Who today does not deserve a little down time whether it’s an hour away from the office at lunch time or a few hours over the weekend? If this sounds like you, a day spa is your destination.

A medical and day spa can offer a variety of treatments and services in a relaxing environment. If you are in Phoenix, AZ, the close proximity of this day/med spa to the Biltmore Shopping Center makes this spa convenient to much of the Phoenix population.

Your Phoenix day/med Spa focuses primarily on professional skin care, medical peels, Botox and dermafillers, hair removal by laser or by waxing, hair and eyelash extensions, permanent makeup, manicures, pedicures, body wraps, salt scrubs, and a variety of massages.

Your Phoenix day/med Spa also offers the now popular hCG diet, Bio-identical hormone replacement, and fat removal treatments.

This industry is represented by: Body Beautiful Day & Med Spa Email: Marlenak@qwestoffice.net Phone: (602) 522-9222 Website: www.BodyBeautifulSpa.net Blog: http://bodybeautifulspa.blogspot.com Follow me, Friend me, Connect on:

About Marlena Krueger

The founder, Marlena Krueger was a Professional Ballet skier in her earlier career and has started three businesses since then. As owner and operator, she tends to the details in hopes to insure that every client at Body Beautiful Spa has a positive experience.  She is always watching for the newest trends in beauty and skin care and is still just as competitive in keeping her business a  leader in the industry.

Body Beautiful Med & Day Spa was established by Marlena Krueger in an effort to set herself apart from other aesthetic skin care clinics and spas. She has achieved this by carefully selecting an exceptionally talented and experienced staff, by providing high grade products not available over the counter and a wide variety of moderately priced services. The qualified staff from medical director, registered nurses, licensed aestheticians, nail technicians and massage therapists, combined with the most advanced technologies and products will allow the staff to provide optimal results. During your complimentary consultation and evaluation, our technicians will discuss concerns and develop a program specifically designed to maximize your individual goals.

Local Involvements:

Arizona Women Networking

Phoenix Chamber of Commerce

North Scottsdale Chamber of Commerce

Special Olympics

Interior Design is a profession that enhances the function and quality of interior spaces for the purpose of improving the quality of life, increasing productivity and protecting the health, safety and welfare of the public. A professional interior designer is qualified by education, experience and in some states examination. An interior designer’s ultimate goal when planning a residence or commercial project is that the interior space satisfies the function required by the client, meets the aesthetic criteria of the design, and is completed within the client’s economic requirements. When all three of these requirements are met the project is a success.

This industry is represented by: Jeanette Knudsen Company: Design For A Life Span, LLC Email: jeanette@designforalifespan.com Phone: 480-695-1360 Website: www.DesignForALifespan.com Blog: InteriorDesign-Jeanette.blogspot.com Follow me, Friend me, Connect on:

About Jeanette

Interior design is not limited to just residential and commercial design! The field includes health care, historic preservation, retail, hospitality/restaurant, and kitchen/bath design, just to name a few. What makes me different is I am an expert in Universal Design, Barrier-Free Design and, Aging in Place Design. This sort of design focuses on adaptability, accessibility and visitability. This is an emerging specialty that will become the buzz of the industry much like green/sustainable design has become. It offers safety and security, comfort and autonomy for every stage of life, it adds resale value to the home and best of all it is practical. It creates a residence that offers long-lasting options to everyone, regardless of age, size, income or physical ability. The beauty of this type of design is it doesn’t call attention to itself; it just makes life more convenient. I am your consultant for the design process and your interface with all the professions, suppliers and trades to make your design become a reality. I follow the job from design concept to acceptance of the completed project. When planning for a new resident or remodeling your current home, consider Universal and Barrier-Free Design, you won’t regret it.

Credentials:

• Owner/ DESIGN FOR A LIFE SPAN, LLC
• Allied Member ASID
• Professional Certificate, Interior Design
• AAS, Interior Design
• AAS, Administration of Justice
• 18 years service in banking industry

What are the benefits of hiring a professional meeting event planner?

Businesses (large or small) utilize in-house full-time staff who are hired for a specific job function other than meeting event planning to plan, organize, and manage internal as well as external meetings or events thinking it will save them money.  On the contrary, it costs them more money in the long run.  So, I would like to take a moment and explain the benefits of hiring a professional meeting or event planner.

Benefit #1: Save Money
A professional meeting event planner has relationship with vendors and venues in the industry that people or businesses outside of the industry typically do not have.  This relationship enables a professional meeting event planner to negotiate for better rates on behalf of the clients, in terms, saving clients money.

Benefit #2: Save Time
Typically when companies use in-house full-time staff to plan, organize, and manage the meetings and events, it’s an additional task that the staff would have to take on.  In spending the time that they may not already have on the time-consuming, labor-intensive details of planning, it leaves not a whole lot of time left for the jobs they were originally hired to do.  It becomes counter-productive.  In all businesses, time IS money.  Therefore, you are not only losing time, you are losing money as well.  A professional meeting event planner can save you and your staff time by taking the time-consuming, labor-intensive details of planning off of your desk, so you and your staff can focus on other important tasks that need to be taken care of.

Benefit #3: Less Stress
Having an in-house full-time staff that is not a professional meeting event planner plan, organize, and manage the meetings and events can only add on stress that is not necessary to have.  Not only you are putting pressure on your staff, you are putting pressure on yourself because you don’t know how the meeting or event is going to turn out.  By hiring a professional meeting event planner, you eliminate the stress.  A professional meeting event planner is there to make sure your meeting or event goes off without a hitch and is being executed professionally and successfully without you even need to be involved.

Benefit #4: Focus on Your Own Meeting or Enjoy Your Own Special Event
Hiring a professional meeting event planner will allow you and your staff to focus on what you need to prepare or do for the meeting itself or enjoy at your own special event without having to worry about who is going to manage the meeting or event on the day of and make sure all the vendors are doing what they are suppose to do and be there at the time they are suppose to be at, etc..

Benefit #5: Return on Investment (ROI)
Hiring a professional meeting event planner can help you and your company identify the unnecessary wasteful spending on your meetings and/or events and help you maximize return on investment (ROI).

This industry is represented by: Now recruiting Company: Email: Phone: Website: Blog: Follow me, Friend me, Connect on: