No Regrets

Here’s a chilling thought. If you were to die tomorrow, would you have the same two regrets that many business people share?

According to a study, just before people die, if they express any regrets at all, those regrets tend to fall into two categories. The bigger, by far, is regret they didn’t do better by other people. Such as, they didn’t spend enough quality time with their children. Or they didn’t end the feud with their sister. Or they let pass too many opportunities to say “I love you.”

The second area is, people regret they didn’t try to do something. They regret they chickened out and didn’t try to open a restaurant, for example. Or they didn’t try to write a book. Or they didn’t try being an actor in addition to being an accountant. They looked into the future, got scared, and didn’t push ahead to make their dreams come true.

Starting today you can keep it from happening to you. Call someone you have been avoiding. Make a date with your kids — no matter how old they are — to do something special with them. If you’ve been dreaming about changing your career or starting a new business, then today, on your way home, drop into a bookstore and buy two books on your dream subject. It’s time for action.

Because of the miracles of modern medicine, the fastest growing demographic is people over 80. The odds are you’ll live a long life. Make it a rich and fulfilling life. Starting today, do better by other people and be willing to try more new things. Otherwise, you might live to regret what you didn’t do.

Doug Smart is the co-author of the book, “Reach for the Stars.” He is a management development consultant, professional speaker, and host of the daily motivational radio show, “Smarter by the Minute.” For more information, email Doug@DougSmart.com. Copyright 2005 by Doug Smart

How a Recession Affects Debt Consolidation

Is a consolidation loan the perfect debt solution for me? As we are in a recession (according to the Ernst & Young ITEM Club Autumn forecast), it’s essential that individuals with debt problems realise the differences between consolidation loans and the other debt solutions that are available – and understand which one might be the best solution for their circumstances.

Firstly, it rely’s upon what happens in the future. In a recession, the chances are for it to be not so good news – when consumer spending becomes low and businesses start to lose money, many businesses will resort to redundancies in order to stop the firm going under. For any individual who thinks their company is thinking about making some staff redundant, a debt consolidation loan may not be a good idea.

Why is that? One of debt consolidation’s most attractive benefits is the opportunity to reduce the monthly amount a person pays in debt repayments. Debt consolidation is most effective when the individual is in a reasonably stable financial situation: when they are aware how much they are earning and how much they’re spending every month, they can figure out the perfect way of repaying their debt.

So a person facing the prospect of unemployment might be better off looking into debt management, rather than debt consolidation. Debt management gives a flexible approach to debt: borrowers could ask debt management professionals to negotiate with their creditors on their behalf, asking them to think about accepting lower monthly payments, remove charges and/or freeze interest.

IVAs require a high level of commitment and can require people with their own homes to release some of the money tied up in their property. Borrowers must be able to commit to making fixed monthly payments for (often) six years, based on the maximum they can afford when they have taken their needed expenses into account. Even so, an Individual Voluntary Arrangement can make all the difference – for people whose debts have slowly become out of control, as well as people facing a sudden drop in income. Granted, Individual Voluntary Arrangements do need a level of financial stability: if the individual does not feel they can commit to five years of regular payments, an Individual Voluntary Arrangement might not be the best debt solution for them.

Read more about debt consolidation, debt management & IVAs here.

Mortgage Leads, Increase Your Closure Ratio

If you are a loan officer or a mortgage broker, and you are currently using a mortgage lead provider, or you are considering investing with one, one of the most important things you should take into consideration, is the closure ratio.

If you are closing anywhere from 5% to 12% of the leads you purchase, than you are doing very well according to the industry’s standard.

Here are a few helpful hints to increase your closure ratio.

Keep in mind that a lead provider does just that, they provide leads. It is entirely up to you to make the sale. Just because you were provided with a fresh lead doesn’t mean you don’t have to work to close the deal.

Most lead companies will sell their leads up to five times, so you are competing with other loan officers.

So, if you come across an objection over the telephone such as “I am no longer interested,” it is most likely because they are dealing with somebody else at that point.

Here is something you can counter with . . .

Oh, that’s to bad, after looking at your on-line profile, I was able to fit you into a really nice mortgage program with one of our lenders.

I can just about guarantee this will get their attention.

If this approach does not work, e-mail them with some attractive programs that you offer, or mail them out a flyer with a list of your products.

Whatever you do, do not give up after the first objection.

Remember, home buyers, and people refinancing their existing homes are very apprehensive, they are embarking on perhaps the largest financial transaction they have ever made, so put yourself in their shoes.

So, the friendlier you come off, and the more knowledgeable you sound, the better your chances of making the sale.

If you fail to have someone answer the telephone, and you have to leave a message, make sure the message is short, friendly, and informative.

Ask them to call back at their convenience to discuss a great product you know they will be interested in.

Remember. It is all in the approach and the inflection in your voice. The lead provider can provide the lead, but you have to work to get the sale. Best of luck with your leads.

Jay Conners has more than fifteen years of experience in the banking and Mortgage Industry, He is the owner of www.jconners.com, a mortgage resource site, he is also the owner of www.callprospect.com, a mortgage lead company.

Careful Building Website Is A Great Art Of Web Design

When I first started building web pages I wish the that was about the people who would land on the page that would make a difference as to how many people would eventually also went on the page.

I thought the more bells and whistles, more pretty,animated, and full of features my site was the better it would be over time. I figured this would be word-of-mouth advertising.

The truth is however, the simpler the site the more traffic you end up getting. It’s not really about the people who end up on the site but how those people got there in the 1st Pl.

Web design that utilizes search engine optimization technologies are the ones end up with thousands upon thousands of hits.

A lot of webmasters when they first start out have no idea about how traffic to webpages works.

They start building their websites to be the coolest looking most amazing highest tech websites they can come up with.

The problem with this is that they end up with no traffic nobody ever sees these great sites. Learning web design is part search engine optimization part design.

Although the site should be designed so that people can see it and enjoy it those people have to get to it first this requires the use of search engines or 99% of traffic on the Internet come from.

Making the Sale When the Customer Won’t Buy

Ever had a party online or offline, and had guests say “I love that item, but I can’t afford it right now”, or “It’s so hard to decide, I want all of this!”. This is a perfect time to sell all those items to your customer without them having to pay a dime.

If you aren’t using this idea already, make sure to put it into action immediately. Have a gift registry form ready to point those customers to should they want extra items they simply can not buy right now.

What they do is fill out their information, special dates (Birthdays, Anniversary, etc), and the products they want. Then, they fill out names and contact information of relatives and friends they know they will be receiving gifts from. You contact the relatives, stating where you received their information and what’s on the wish list you hold. Ask them if they would like a reminder before the special date, and which item they will be purchasing.

Simple eh? It’s a win-win situation for everyone! You make the extra sale, the gift-giver knows they are buying a gift the other person wants (no guess work or wandering around a mall!), and the one receiving the gift is getting exactly what they wanted but couldn’t afford.

This idea works easily both online and offline. Keep several forms handy if you are offline, so you can pass them out at parties or events (Pre-made forms available with the Direct Sales Success Kit). Online you will want to set up a page with an automatic form for your guest to fill out. For an example of an online form, visit:
http://www.soy-wax-candles.com/gift-registry.html

————————
About the Authors: Kara Kelso & Anita DeFrank are two busy wahms, and the owners of Direct Sales Helpers. For more Direct Sales Success Tips, visit: http://www.directsaleshelpers.com/newsletter.html

Unearth Success Coaching to Gain Mind-blowing Results

Personal coaching is a type of therapy that has become increasingly used over the last ten years. The term lifestyle coaching first became preferred in the United States of America where, together with NLP, it became part of a new and improved outstanding wave of extremely proactive therapy modalities. Change your life today with Life Coaching.

In many ways both Personal Coaching and NLP are an answer against certain variants of the person-centred therapy movement, in particular Humanistic Counselling. A problem of the person-centred approach is that it is truly reactive and not remarkably proactive. Although this works magnificent with some folk, with other people long periods of no exit in sight or low return for time and effort occur. Life coaching and Neuro Linguistic Programming are both human-centred therapy in stance, spending time on improving a customers well-being rather than looking into the depths of childhood, like traditional psychology. Success coachings emphasis is, however, deliberately proactive and problem solving.

Coaching is not about preaching to the coaching customer what to do. This is a common misconception. Some therapists are pretty successful in their business careers and then make the change to success coaching, thinking that they will merely be required to share their pearls of eye-opening success and wisdom with the client. Sharing pearls of wisdom is more like mentoring an apprentice in a specific environment. Personal coaching is instead about life as a collective.

10 Ways To Keep Your Sales Above Water!

1. Sign-up to win web site awards. When you win, some award sites publish your web site link, name and description on their site.

2. Join online business associations or clubs. If you join, they will usually list all their members on their web site. It will give your business extra exposure.

3. Utilize a simple form of viral marketing. Write or have someone else write a small report with your ad included on it and allow others to give it away.

4. Improve your business by promoting customer feedback. Tell them you want their honest opinions about your business, good or bad.

5. Design your packaging so it sells your products. Utilize colors and lettering that make your product more attractive to your prospects.

6. Compare your product’s guarantee to your main competitors. Find a niche were your can design your guarantee to be more powerful.

7. Try not to assume your audience understands everything in your ad copy. If you have words they may not know the meaning to, define them.

8. Build alliances with other online businesses. You could trade links or ads, create joint venture deals, cross promote your products, etc.

9. Design your web site to be a valuable resource for people. Include original content, links to other interesting web sites, ebooks, software, etc.

10. Compete with the highly branded businesses by practicing good customers service, strong product quality and speedy service.

Does your sales letter display confidence?

I mean, does the reader really believe that you have confidence behind your product? Do you confidently show them that you know your subject, and through your selection of words and phrases, are you displaying confidence that this product is the one that will solve their problem?

Confidence makes us buy, because we begin to see that the person knows their subject. The lack of confidence in a sales letter shows us they don’t feel comfortable with what they’re saying. It comes across as unsure.

It might not sound like much. You’ve read that giving the potential customer specific benefits that offer a solution to their problem is the biggest hurdle. But the reality is sales depend on how you present your material as to build confidence in you as well as your product.

There was a time when I was a telemarketing sales manager. I know, but don’t hate me. Though I might have interrupted a few dinners or got you up off the couch, I am about to teach you something here.

My job was to teach telemarketing reps how to sell. I would center in on someone that wasn’t making any sales, listen in on them, then after a few calls I would let them listen in as I took one for them. I would mimic their sales pitch, using almost the exact same words that they did. But nearly every time I did this I would make a sale on my first call where they had struggled through about thirty pitches without even a nibble.

Why was I able to make a sale after only one call using the exact same words of a representative that couldn’t close a sale after 30 calls? Confidence my friend. It makes all the difference in the world.

So how do you apply confidence to a sales letter you’re writing?

Start by looking at some of the marketing pros out there. See the words and phrases they use to display confidence. If an online marketer is making money with their sales letter then they’re displaying confidence in it.

Check your sales letter. Do you sound confident in it? Are the words you’re choosing stating that you’re very sure about what you’re doing? Do you show that you’re the authority on the subject, and that to pass on the offer would be crazy? Of course, you might not say that, but your sales letter should reflect it.

Write your sales letter like the product is already sold, you’re just explaining what they’re about to get. For instance, use phrases like “You’re about to learn all the marketing secrets”, or “You are also going to learn”. Just keep in mind that the customer is already sold.

That’s not to say that you don’t want to write your sales letter in the traditional sense of selling a prospect. But you want to sprinkle it with phrases that assume anyone would make the purchase after seeing the benefits they’ll receive.

Another phrase to use is something like “You can’t afford not to purchase.” It shows confidence that the reader has to make the purchase or the results could be disastrous.

Remember though, that customers still need to feel in control of their decision. Using phrases like “You are going to buy” sound threatening. By crafting a letter that shows confidence, but doesn’t demand the customer to buy, you’ve got a powerful sales tool that will work for you over and over again. It’s a thin line, but with practice you will soon master it.

Confidence is to carry the assumption that the reader of the letter will buy. You know it, and soon they’ll know it. I find that by having this assumption when writing a sales letter I convey confidence in my product. It works; you just have to try it.

“Telling People Anything Is Wasted Effort”

Avis said, “We’re second. So we try harder.” The first sentence was indisputably true. They were second to Hertz in the car rental business, and everybody knew it. This lent credibility to the second sentence.

When heard or read, these two sentences were “converted” in the minds of potential car renters to, “Since they must try harder, they’ll make life easier for me.” Then they rented from Avis, rather than Hertz. Business boomed with this slogan as the underlying position in all sales messages.

How “Best” Works

Now suppose Avis had said, “We’re the best!”

“Who says?” would be the kindest retort, as the reader or listener turned quickly away to rent from Hertz.

Avis And Your Website

“We’re the best!” won’t work in your advertising, on your website, or in your newsletter. Not one bit better than it would have worked for Avis. Surely we all know this. Why then do we see so many ads, newsletters, and sites that tell us they’re the best? Then go on to tell us what to do or think?

There are two reasons that come to mind right quick. First, some really do not understand that unsubstantiated claims will be ignored, or even turned against you. Second, it’s easier and quicker to tell, rather than to demonstrate.

Good Books And Films

In quality stories, printed or filmed, you are never told that Duke is a really bad dude. You see him doing really bad things, then draw your own conclusions.

Good teachers don’t tell; they provide their students whatever is needed to demonstrate the point. Non-fiction writers do the same. They seek to convince you of the point they want to make by providing examples and references. And the views of other authorities. All of which can be checked out.

Now Listen Up!

“Show, don’t tell.”

Do you believe this is true?

Not unless you already do. You’d need a whole lot of faith in me to accept this as truth on my word alone. In fact some would call you foolish if you did so.

Beyond providing answers to simple questions, such as how to get from here to there, telling folks fails. For one thing, people flat don’t like to be told anything. For another, they always question the authority of the speaker. And many feel they know all that’s needed, so don’t want more from you or anybody else. Further, the world is awash in, “My opinion is as good as yours.”

Some Do Get Away With Telling

The media, politicians, and “famous” people are telling us all what to think. Unfortunately many are listening to these sound-bites, and assuming what they hear is “truth.” But they are not listening to me in this unqualified manner. Nor will they listen in this way to you.

You must seek to persuade people of your point. Provide information the reader can accept or reject. If collectively you sufficiently support your point, you have at least a shot at being believed.

How This Applies To Selling Anything

The rules of selling are changing rapidly. It’s true the hard-sell, loaded with hype, con, and even lies, continues to work for some. And even the junkiest spam brings profits to a few.

But permission selling is now the mode, particularly on the Web. A visitor is invited to freely consider a possible solution to a problem or information that may help. Within these notes, there are invitations to explore a product or service that goes specifically to the point.

If your visitor accepts a second invitation, then sell. But honestly. Gently. With benefits to the potential customer. This is a kinder way of doing business. One with which both the seller and customer are comfortable.

Don’t Screw It Up

In this way of selling, there is no room at all for telling anybody anything. All is persuasion. We seek to convince our potential customer, one point at a time, that our product or service is exactly what they need. Slip in a “known fact” or “best ever” and you’ll blow the deal.

If you have the power, you may be able to tell people what to do and make it happen. But you are wasting time trying to tell anybody what to believe without backing it up with verifiable information.

Super deal 17500 dollar at a right interest rate of 9.1 percent

Be hopeful today to check out if you have a nice special offer or if you don’t with the bank that offers you a loan. Investigate to see if the moneylender who is tending to give you a bank loan is solid.

Translated it says: Woon je in Schouwen-Duiveland of Uitgeest en heb je BKR. Lenen met BKR is nog nooit zo gemakkelijk geweest. Koop een andere caravan met nieuws over bkr en lenen, 158061 euro is altijd mogelijk om te financieren. Van Losser tot Vught, financieren met een BKR registratie kan hier altijd.

That’s why now you need to suss out and escort if you can have a money loan at a just percent rate of interest. It doesn’t matter if you live in Bristol Connecticut or in Delray Beach Florida a honorable online check up will preserve you often huge troubles. A merchant bank in Maple Grove Minnesota or so may have a total completely different actual loan rate for a 25000 dollar credit loan then a bank in Buffalo Grove Illinois and that makes a vast clear gap in your monthly pay offs. 17.2 percent rate may come out so clean but will it stay uniform after you’re going to pay for your deferred payment. At this present you can check into rates of interest quickly at websites and cast if there are other conditions you should be aware of. Lots of of the merchant banks wil show you a interest rate that looks safe but feels badly or so after some time.