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... it! Expect Change Expect to make changes – perhaps to your goals – but certainly to the actions and the methods to achieve them. Many plans fail because they address too many issues. Concentrate your efforts on the most important issues, those items that are imperative to fulfilling the vision of your business. Identify which things must be done well, or those that set you apart from the competition, and start with them. Pamela Millard is president of Transformation Advisors (Diamond Springs, CA), a client-focused management consulting firm. You can contact her at (530) 295-108, e-mail [email protected] ; or www.transformationadvisors.com . Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for ... x No Thanks Loading.. Five Keys To Achieving Your Goals 4/30/2013 by CompleteMarkets Editor , Pamela Millard This content has not been rated yet. FIVE KEYS TO ACHIEVING YOUR GOALS by Pamela Millard Plenty of things can distract you from your goals. It's all about making sure your goals meet a few critical criteria: Engagement, Accountability, Measurement, Review, and Continuous Improvement. Building these five elements into your goals will give you a fast start to achieving them. Engagement Unless you are the only one on your team, you need help. This means it's important that you get your team engaged in the process as well as in the goals. People do things for their own reasons – and your reasons aren't necessarily their reasons. If you want your team ...

... ingredients in the art and science of database marketing. Database marketing aims to do what we all dream of doing as marketers and salespeople: deliver the right message about the right product, at the right price, to the right consumer, at the right time, in the right way. As our efforts approach this ideal, sales success ought to follow. INTERACTIVE AND INDIVIDUAL What sets database marketing apart from all other marketing channels is captured in two words: "interactive" and "individual." Database marketing is interactive. It builds and sustains a relationship between seller and buyer in which the buyer responds to the seller in a meaningful way. The response (or nonresponse) helps guide the hand of the marketer in creating ever more relevant promotions in an ongoing process of trial and error ... of soliciting a response, by phone, mail, or personal visit, from a prospect or customer; maintaining complete information on each transaction in a database; and doing so at a profit." ADVANTAGES TO BUSINESS What should a good database marketing program do for your business? Some, or all, of the following: Help you enroll more customers and find customers with whom your agency can build more profitable relationships. Allow you to spot ways of servicing each customer according to his or her needs. Substantially reduce the loss of customers at renewal. Make your sales force more effective and efficient. Help your agency project a more consistent, high-quality image. Of course, database marketing has been practiced in the industry for years. Many agents/brokers intelligently use direct mail, telemarketing, ...

... your current assets exceed your liabilities. Also, consider investing in high-yielding short-term investments as they offer an additional source of liquidity. Increase Revenue Build strong relationships with customers, offer discounts for early payments, and create loyalty programs. This will increase your sales, giving you a steady stream of income that improves your cash flow. To build lasting relationships, offer your clients value. What sets you apart from competitors? Happy customers share their experiences with other people, leading to more sales. Manage Stock Too much stock is expensive to maintain and leads to a cash flow crunch. To avoid this, create an inventory management system offering accurate stock information. Monitor stock levels and order timely replenishment to prevent stock-outs. Also, find ways to reduce the cost of holding inventory, such as negotiating ... x No Thanks Loading.. How To Improve Your Cash Flow and Stay Profitable?1/30/2023 by CompleteMarkets Editor This content has not been rated yet. The biggest challenge for many start-ups is getting cash flow in order and staying profitable. Sales may not be as high as you'd like them to be, and expenses may start to pile up. Also, you're just starting to build relationships with customers and suppliers, so it may take some time to get into the groove. How to Improve Your Cash Flow and Stay Profitable (Image Credit Pexels ) However, without a good cash flow, your business won't survive. You might miss out on great opportunities or have to slow down operations. How do you improve your cash flow and stay profitable? Build Credit Worthiness Excellent ...

... only $2 ,300 in financial assets or savings. Baby boomers are doing less than today's pre-retirees to prepare for retirement. More women than men say they feel financially unprepared for retirement. In addition, the survey found that 35% of pre-retirees and 54% of baby boomers do not have a pool of retirement savings, such as an individual retirement account, savings account, or annuity, apart from an employer's pension or retirement fund. Pre-retirees, the report continued, allocate an average of 11% of household income to retirement savings, 13% to savings of all kinds, and an average of 35% to household debt, including mortgage payments, credit card bills, and car loans. These aren't just dry numbers; these are large groups of real people with (or without ... other agencies have called on them for help. In effect, Agency A splits a case with Agency B. Although that's not rare in P/C , it's a little different in the Life field. In Life or Group, the account-controlling agency (let's call it the ceding' agency) doesn't just use the other agency's carrier; it has the other agency's expert develop the account directly and build a close relationship with it. A strong feeling of trust is needed between agencies for this situation to exist. In building a specialty niche in Life, the agency should recognize its obligation to meet the broad Life/Heath/benefits needs of all insureds, whether or not they fall into the specialty niche. This might require having outsiders handle those broad needs, but it should be done ...

... One reality of today's business climate is that price is of critical importance when clients make a decision about where to buy their insurance. Rates and prices constantly are being examined by agents, risk managers, and prospects. Due to significant competitive and economic pressures, clients are looking to save money wherever they can. Agents must be aware of the concept of value-added selling: the need to set yourself apart from competitors so that prospects and existing clients view you as a business partner of the highest quality and integrity. Value-added selling can be defined as the entire package of goods and services that you, as an agent, bring to a prospect or client. The package extends beyond you, however. It also includes the agency and its reputation; the support it provides; the carriers you use ... a halfway-workable interpretation. If you need to strengthen your skills in this area, consider these solutions: • Find someone in the agency to teach you. • Spend more time with your company underwriters and ask more questions. • Ask the market underwriter to interpret policy terms and conditions (this has the added benefit of building your market relationships so you can better present risks to that market) . • Participate in insurance classes or self-study programs (CPCU, ARM, IIA, etc.) . • Take insurance classes at a local college or junior college. • Attend classes conducted by market personnel (when promoting a new product, ...

... one or more of the parties don't express their truth. I'll illustrate this with another brief story and then let you get back to work. Hank was a buddy of mine for more than 20 years. We hung out in high school and college together. We were best friends. Then he did something I didn't like. I was angry. And I didn't tell him. We slowly drifted apart. Why didn't I tell him how I felt? Not sure. I guess I was just into being right and angry with him. Then, about a year ago, after seven years of not talking to him, he called me up and asked to meet with me. He asked me if I was angry with him. We talked about it and cleared the air. He apologized ... x No Thanks Loading.. Communication Builds Trust 4/30/2013 by CompleteMarkets Editor , bill cates 1 Verified Reviews - 5 of 5.0 1 2 3 4 5 Why we all need honest communication in our business and personal lives. In his book Just Be Honest, Steven Gaffney believes that withholding thoughts or feelings from others is a form of lying. If we accept this fact, we must admit that all of us lie a good deal of the time. We withhold our thoughts and feelings from our loved ones, friends, clients, suppliers, and colleagues. And, they (including our clients) withhold information from us all the time. Let's look into this a little further. We need to create a business culture in which our clients feel totally comfortable with telling us ...