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...ntenance operations on high rise buildings were announced by OSHA earlier. The...architects have been designing some buildings with multiple vertical planes, s...

Apartment Owners - "We'Re The Local Specialists"
APARTMENT OWNERS - 'WE'RE THE LOCAL SPECIALIS...common occurrence for any number of apartment owners today. And you need to co...

... 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, ...

... and then delegate other areas. Your trust in your employees will increase day by day, and extra time will free you up to sell. Meet With Your Employees After delegating parts of your job, meet with staff members on an individually to review questions and concerns. Start by meeting with them once a day. When it's obvious that they're handling your old responsibilities well, space these meetings further apart. Train Employees to Think Like You Review your employees' concerns at your daily meetings. Instead of answering their questions directly, ask them how they would handle the situation. If their answers resemble your solutions, let them proceed. If their answers aren't similar to yours, explain how you would handle the situation, giving them your reasons as you go. After performing this process for a ... computers, and agency procedures. All procedures should be made consistent with each other. Once you have standardized and documented them, furnish copies to all employees. Your office will be more efficient because procedures are being handled properly, and you'll feel more comfortable about leaving the office. Do It Now! If you want to find more time to sell and increase overall revenue start following this process. Building trust in your employees is an essential way to build your agency. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate ...

... such a project, however, some comments- IMMS account executive William Wood's and mine-might prove to be of value. From personal experience, as a writer and as president of both Sound Marketing and Compliance Publishing, I fell into the do-it-yourself trap a few years ago. What began as a shining star of an idea quickly turned into a burden, and the publishing dates soon stretched further and further apart to the point of nonexistence. Something else always took precedence. According to Wood, Agencies that attempt their own newsletters often don't realize how much is involved. From the research and writing through the review and proofing, a lot of time and expense is involved. In addition, an agency could end up spending more for the printing alone than an entire full-service program would cost. Depending on the ... month, a quarter, or just when the x-date is due? Developing the parameters of effective follow-up is an individual matter to both the agent and the prospect. Everyone works it a bit differently. Newsletters are ideal for follow-up. They keep your name in front of the client, do not cost the client productive time, and establish your expertise and value as an agent. Just as they build relationships with your existing book of business, so too do they build relationships with prospects. Another area of newsletter effectiveness lies in target or niche marketing. Let's say you want to go after widget manufacturers. Consider a newsletter that deals with the specific needs of those who manufacture widgets. Immediately, they will perceive you as an agency with expertise in their field. You talk their language. ...

... matching facial expressions - it not only creates more rapport visually, it also aligns your emotional state with the other person's. If they sit on the edge of their seat, you should too. Also watch leg position and movement. Are the other person's legs crossed? Do they constantly move their feet? If the other person taps a foot, tap yours. If they stand with feet wide apart, you do the same. When in Rome, Match There are ways to enhance rapport by matching others visually. You can do this with your clothing, hairstyle, posture, body movements, and facial expressions. Perhaps the most interesting aspect of matching visually is that doing so often affects your feelings. When you match another person's body movements and facial expressions, you'll often find that you ... x No Thanks Loading.. Producer Success Lesson 11: Visual Rapport 5/29/2015 by Randy Schwantz This content has not been rated yet. Nothing happens until somebody sells something. To make sales happen, IMMS.com Key Sales Consultant Randy Schwantz has created a comprehensive series of 43 Producer Success Lessons. Used singly or in combination, these powerful tools can help your producers build their skills - and grow their sales. I conducted a role play for a client a while ago. The group split into pairs, and one person played the salesperson while the other played the client. One of the teams was having a lot of trouble - the salesperson' couldn't establish rapport with the client. I asked what was wrong. The client said that the salesperson looked too eager - almost nervous. ...