Far from just another sales technique or gimmick, Productive Selling Attitude (PSA) is a fundamental approach to making sales.

PSA is emerging from a clear understanding of how customers think, as well as from the expectations of suppliers and vendors.

Only those who are brutally honest with themselves really make it in sales - this means admitting that it is getting more difficult to "make the sale."

The obstacles to success are everywhere. Automated telephone systems serve as an impenetrable wall. The fear of making a wrong decision creates endless delays and false starts.

As the economy and escalating insurance rates take their toll on risk management department budgets, companies and public entities are relying increasingly on consultants. Such outsourcing has proven to be an effective way for some organizations to reduce overhead while retaining knowledgeable help. In this document C.C. Griffin discusses how to select and get the best performance from a consultant.

These guidelines by Jack Fries can help you hire and train new employees.

Remember, as salespeople we want to hear objections. When buyers send out these signals, they're giving you clues about their interest. Give the buyer a chance to make the decision based on the information you've provided. If you've done a good job throughout the sales process, the objections you hear should enable you to reconfirm your value to the buyer and close the sale.

The best way to master the tools reviewed here is to practice using them on the next spreadsheet you create. Sometimes it pays to take a step back and ask, "How can this basic spreadsheet be enhanced?" When these tools (along with a myriad of others that Excel has to offer) are applied properly, it's amazing what a spreadsheet can do.

Once these tools are mastered, it will be difficult to go back to that old pocketknife. When preparing your next spreadsheet, keep in mind the Excel tools discussed here, and use them often. Just as your trusty pocketknife comes in handy in many different situations, so will these tips for Excel spreadsheets.

Over the years, I've gathered something of a reputation as being someone who can find just about anything on the Internet. Like the time I helped someone find out the inscription written by Stevie Ray Vaughn on Kenny Wayne Shepard's guitar. There's no secret to finding information on the Internet — all it takes is some basic knowledge, creativity, and a little elbow grease. This article by Bill Wilson will examine some techniques that you can use to search the Internet more effectively.

Most people do not look forward to planning the distribution of assets upon their death. However, it is a task that all of us must face. And, that’s where trusts enter the estate-planning arena. A trust is simply an arrangement whereby one person holds legal title to an asset and manages it for the benefit of another. In one form or another, it may be used in personal financial planning.

Retirement has always been a tough undertaking but in today's tumultuous economy, it sometimes seems like an impossible task. There's no question that countless risks go hand in hand with retirement. However, even during a recession, you can manage these risks. Here are the top five most common retirement risks and the best ways to deal with them:

Want to make sure your little one grows up to be a money genius? It’s time to get to work. You might be thinking, “But my son just mastered potty training!” However, it’s never too early to start grooming your child into a money-managing pro. Although your children will probably learn the basics about money in school, it’s up to you to teach them how to manage their finances. Here are a few tips to help you raise a money-managing genius.

There’s no time better than the beginning of the year to set some fiscal goals and create a plan for improving your financial situation. You are probably ready for a brand new beginning and the thought of sticking to a budget after the holiday spending spree might sound a little more appealing than it would at any other time of year. Here is a step-by-step guide to create some annual goals as well as a financial plan that will help usher in a whole new financial foundation for you and your family.