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To the Point/February/2005
• It’s worth reviewing your job application forms.
Improper questions and statements can increase the risk of liability
for claims of discrimination or invasion of privacy. Pitfalls you
want to avoid include questions about:
| • |
Arrests
as opposed to convictions |
| • |
Marital
status or other sex or gender-related issues including ages
of children and spouse’s employment |
| • |
Religious
affiliation or preference |
| • |
Previous
Workers’ Compensation claims |
| • |
National
origin including country of birth or other ethnic or heritage
matters |
| • |
HIV-positive
status and AIDS |
| • |
Renting
or owning a home |
| • |
Specific
date of graduation from high school |
Questions
asked on an application form should not be repeated during an interview.
• The new pajama game. Just when you think
you have heard it all, along comes something totally new and different.
Maybe that’s what makes the free market system so exciting.
Well, here’s the latest. Taking a hint from the fact that the
cereal shelves are perhaps the largest single category display in
today’s supermarket, a new business is born. It’s called
Cereality and it’s counting on nostalgia to sell.
Offering 30 brands of cereal and dozens of toppings, the first Cereality
store at Arizona State University was so successful, stores are open
in Chicago and Philadelphia and 15 more are on the way. Yes, the employees
are dressed in pajamas. Sounds like fun, doesn’t it. Pass the
Wheaties!
• 24/7 Claims Line. We have just installed a 24/7 Claims
Line to assist Mosinee Insurance customers, particularly nights and
weekends. This is not a recording. You will always speak to a competent
insurance professional. Claims can still be reported to us during
office hours, of course.
• Web site offers helpful information. We believe an
insurance Web site should be a source of helpful information, not
an ad for an insurance agency, so we’ve been working on our
site for a long time. We now invite you visit to www.mosineeins.com
and add it to your favorites list. The site includes access to insurance
forms and allows our customers to download forms instantly. In addition,
you will see several specialty “mini-sites,” including
Workers’ Compensation, Health and Fitness Centers and Innkeepers
(soon to go live). Our site is a “work-in-progress” and
we invite you to suggest any additions you consider helpful.
• Watch out for insurance scams. It seems as
if there are always people ready to take advantage of the public,
including businesses. Here are several current insurance-related scams:
| • |
Fake
health insurance: Swindlers sell bogus health coverage to small
business owners and consumers offering discount prices accompanied
by generous benefits. But they steal the premiums by refusing
to pay claims. |
| • |
Airbag
fraud: Crooked body shops remove deployed airbags from cars,
fill the cavity with old rags or beer cans, and then falsely
bill the insurance company for a new airbag. Make it a practice
to have an outside mechanic inspect a vehicle after being repaired. |
| • |
Windshield
fraud: You receive an offer to replace your windshield for free,
even if it’s undamaged. You have a needless claim against
your policy—and may have shoddy glass and poor installation
that can endanger the safety of your car and possibly your life.
Victims are often approached at gas stations, car washes and
county fairs. |
While
you and are busy tending to business, there are others who are doing
everything possible to take advantage of us, as well as others who
sometimes can be too trusting. There’s no substitute for being
alert and asking questions. If you come across a situation that seems
questionable, please contact us.
• Don’t blink Blink is the latest
book to grab the attention of millions. The subtitle makes clear the
reason for its popularity: The Power of Thinking Without Thinking.
Reading those words makes it clear that author Malcolm Gladwell (who
also wrote the Tipping Point, another book that went off
the charts) has another winner on his hands.
And why not? He builds the case that our brains are wired in such
a way that we are capable of making valid decisions in two seconds
if we just would learn from the experience of others. As someone has
noted, “It [Blink] says that a snap judgment is often
smarter than a considered one.”
If that isn’t a winning idea, I’ve never heard one! The
appeal is powerful and persuasive. There’s no need to question,
doubt, research, think, evaluate and test ideas. We can cut through
that cumbersome, time-consuming, arduous process and come up with
the right answer instantly.
Anyone who has attended any type of meeting—business or otherwise—in
the last week has seen the “two second” analysis become
the basis for launching new initiatives.
Blink makes us feel good, and that’s the problem. Making
decisions isn’t about feeling good; there’s too much of
that. Blink leads us to the erroneous, but tremendously appealing
conclusion that anything difficult to attain is unnecessary, a waste
of time.
The fact of the matter is that we all can come up with instant ideas
that turn out to be stupid, impractical, useless and even dangerous.
It’s doesn’t take any time to do it, either. Just two
seconds.
Sincerely,

Tom Helbach
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