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Everthing You Need to Know About Individual Health Insurance Plans (Part I)

2007-11-14T16:58:00.000-08:00

If you are one of the many individuals who are not covered by group health insurance through your employer or other organization, you will need to go out into the market and research individual health insurance plans. Individual health insurance plans essentially come in two flavors: Indemnity (fee-for-service) and managed care plans (HMO, PPO, POS). In general terms, the major differences lie in the choice of healthcare providers, out-of-pocket expenses, and how the bills are paid.

Even though the health insurance market has seen a dramatic shift away from indemnity plans (due to higher costs), these plans are still often referred to as the more traditional form of health insurance since they have been around the longest.

For indemnity health plans, individuals typically pay a predetermined percentage of medical care costs (called co-insurance) and the insurance company pays the balance. A common indemnity plan is an 80/20 plan, where the insurance company pays 80% and you, the insured, pay 20%. Your insurance company will only make payment in accordance with the usual, customary, and reasonable (UCR) fees as determined, which are based on what health care providers charge in your area for a given service. Of course, if your individual health insurance plan has a deductible, this must be met first before this pay structure kicks in.

Depending on your indemnity health plan, you may be required to pay for services upfront and submit claims for reimbursement directly from the insurance company, as opposed to your provider directly billing your insurance company for services.

While an indemnity individual health plan allows you much freedom in terms of provider and medical facility choice, this freedom does not come cheap. The cost can vary as to how much of a deductible you have and your out-of-pocket limit. As you might expect, as your out-of-pocket expenses increase (deductibles, co-pays, co-insurance), the cost of your health care premiums go down. Even so, this is one of the more expensive types of individual health insurance plans out there.

Additional individual health insurance plans are managed health care plans, like HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and POS (Point of Service) plans.

Managed health care plans have become the most popular form of health care coverage offered in the United States today. One of the reasons that managed care plans have become so popular is because of cost. Indeed, as health care costs continue to rise at double digit increases year after year, those looking for the most affordable individual health plans available more often than not choose managed care plans, as they are the least expensive.

Managed health care plans are plans work off the basic premise that health care costs can be better controlled by controlling access to health treatments and services. While this may be true and works to keep costs down, from a patient's perspective, it can be difficult to get approval for health care that goes beyond basic preventative care. You will need to see doctors within the HMO network and any specialists that you do see will need to be by referral. This loss of freedom is the trade off you must accept in return for more affordable individual health insurance plans.

To be continued in 'Every Thing You Need to Know about Individual Health Insurance Plans (Part II)'.

Jonathon James has been working in the health industry for nearly twenty years. To view additional articles and resources related to individual health insurance plans, please visit http://LearningAboutHealthInsurance.com Student Loans Find A Student Loan From Bank Of America
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Copywriting: Online Marketing Accelerator

2007-11-11T18:08:00.001-08:00

If you own an online business you are one of the masses of Netreprenuers?that canvas the worldwide web today. You have a web presence because you believe that you have a product or service that is either unique or fairly priced and the web is where you are banking on earning an income.

Making the Sale

Selling on the Internet is more than simply offering products in a if we build it they will come?mentality. You have to provide an atmosphere where the visitor can come to terms with their need for the product or service. This is hard to do with a simple Add to cart?button and little more.

Its All in the Copy

No matter what you are selling and no matter how may different products you are selling it is important to assist your clients in understanding the benefits of the product being offered. In fact, the fewer products or services you have available to more details you should provide your online customers.

Longer Copy?

When you are selling a single product or service is it vital that you provide a two-pronged approach to your copywriting. The first step is to provide details about the product or service while the second element is to list the benefits your clients can expect.

If your client can see the practical applications of the purchase they are likely to consider the product more fully.

As you lengthen the sales copy by providing a solid case in favor of your product you need to make sure your client has the sense that you are interested in their well being.

Shorter Copy?

The instance in which shorter copy may be appropriate is when you are selling a multitude of products. In this case a more simplified streamlined approach is needed to pass along sufficient details without cluttering up the page. The standard rule is more products ?less copy: Less products ?more copy.

Easily Scanned

Include bullet points, quotes and text boxes to draw your visitor to the most important information in your sales copy. If your copy is all text, a web user will likely migrate elsewhere. Most web users are accustomed to visually appealing site design and this can be accomplished in a few simple steps when planning your web page.

Dont Be Afraid To Ask

There will come a point in your copy where you will want your client to make a decision. You should not feel squeamish about asking for a sale. You have listed the details and the benefits so it is appropriate to ask them to take the next step. The worst they can say is no.

Scott Lindsay is a web developer and entrepreneur. He is the founder of http://HighPowerSites.com and many other web projects. Get your own website online in just 5 minutes at http://www.HighPowerSites.com Ecu Pays Back Hundreds Of Thousand In Financial Aid Wnct
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What You Need to Know: CAN-SPAM Laws

2007-11-10T08:31:00.001-08:00

Anyone doing business online and using email for marketing needs to know about the CAN-SPAM laws.

Smart online marketers use "permission" marketing: you invite potential customers to join your email list, and offer a newsletter, a special report, or a sequential series of messages to form an e-course. The recipient "opts-in" to the list by replying to an invitation and subscribing. By "opting in", your subscriber is telling you it's OK to send email. They've given you permission and your email messages are not considered spam.

But most people don't really understand what constitutes spam. If you're in business for any length of time on the Internet, you may encounter false accusations of spam simply because people forget they opted in receive your message. To many people spam is simply an unwanted message.

This can cause problems for you with your email service provider. You must be able to prove that you haven't been sending unsolicited email. Your proof lies with the list management system you use that tracks invitations and opt in responses.

Here's what you need to know about the law is so you can rest assured that you aren't breaking it.

CAN-SPAM Act of 2003 (Controlling the Assault of Non-Solicited Pornography and Marketing Act) establishes requirements for those who send commercial email, spells out penalties for spammers and companies whose products are advertised in spam if they violate the law, and gives consumers the right to ask emailers to stop spamming them.

Simply put, here's a rundown of the law's main provisions:

It bans false or misleading header information. Your email's "From," "To," and routing information must be accurate and identify the person who initiated the email.

It prohibits deceptive subject lines. The subject line cannot mislead the recipient about the contents or subject matter of the message. Subject and content must match.

It requires that your email give recipients an opt-out method. You must provide a return email address or an automated way for your subscriber to opt out. You must honor the requests.

When you receive an opt-out request, the law gives you 10 business days to stop sending email to the requestor's email address.

It requires that commercial email be identified as an advertisement and include the sender's valid physical postal address. Your message must contain clear and conspicuous notice that the message is an advertisement or solicitation and that the recipient can opt out of receiving more commercial email from you. It also must include your valid physical postal address.

One of the best and most efficient systems with a minimum of complaints is the ecommerce system, www.KickStartCart.com . They automatically include CAN-SPAM compliant features when they send out email broadcasts. Furthermore, if you import a list of email addresses into the system each recipient will be required to confirm they want to be on your list. All potential recipients must respond to a confirmation email in order to be included in an email list. This is called closed loop or double opt-in and is further assurance against people using the system to spam or send unsolicited messages.

While the respectable business community strives to be compliant, the spammers find new ways of circumventing the laws and jamming up email inboxes with junk. Unfortunately spam filters never do a reliable job of keeping the spam out and are more likely than not to keep legitimate email from being delivered.

The best assurance against spam complaints is to use a reliable system such as KickStartCart, and to send out valuable relevant content to your subscribers. The ratio of information to promotional messages should be in the neighborhood of 80-20 or 75-25.

As a serious business person using the Internet and email, it's important you comply with the laws so you can avoid getting in hot water with your service provider and keep your subscribers happy.

For more leading edge Internet Marketing tips go to http://www.biztipsblog.com. You can also subscribe to The Blog Squad's ezine Savvy eBiz Tips at http://www.savvyebiztips.com . To learn more about using social media tools like blogs, go to http://www.buildabetterblog.com. Denise Wakeman and Patsi Krakoff are Internet Marketing experts and are known as The Blog Squad.Quit Smoking Help And Quit Smoking Information
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How To Harness The Power Of Email For Marketing Success

2007-11-06T17:48:00.001-08:00

Spammers have done their best to give email marketing a bad name. However, email is such an all pervasive communication tool that its use as an extremely effective means of building customer relationships and selling products and services remains un-dented. Imagine trying to run your business today without access to email ?it would be impossible. In fact, surveys have found that the vast majority of internet users site email as their primary reason for using the internet, despite the spammers best efforts.

While were on the subject of spam, heres a quick word to the wise, dont do it!

Its a really effective way of upsetting future clients and associating your company, products and services with dodgy Viagra, porn and scam artists. Most importantly, spam doesnt work. Its as simple as that.

However, opt-in email marketing is exploding because it does work. Companies are lured to it by incredibly low costs and high response rates. Its easy to get started and it puts any organisation, large or small, on a level playing field.

Of course, theres a right way and a wrong way to do anything and the vast majority of email marketers are getting it wrong. The industry is young and those who are doing well are not falling over themselves to share the secrets of their email marketing success with competitors. But there is some good news. Unlike conventional direct marketing pieces, email marketing is both cheap and easy to test and the results can be comparatively easy to collate and analyse.

If thats the case then why do so many of the marketing emails that I receive get just about everything wrong? And why dont the senders ever seem to learn from their mistakes?

Learn from your mistakes

The advantage that email marketing has over pretty much any other type of marketing is its trackability. Instant, live results from your marketing campaign were a marketers dream just a few, short years ago. Now they are a reality but not everyone is taking advantage.

Emailing your database from Outlook or using bulk email sending software is usually a waste of time for both you and the recipient. The main reason being that you get little or no feedback, unless a recipient chooses to email you back. True, you can set up a read receipt in Outlook but that only tells you a very small part of the story. Imagine if you could tell, at a glance, who isnt interested in your services and really doesnt want to hear from you again (dont waste any more of your valuable time on them). Or who opened your email and read it repeatedly (wow, those people must really be interested!) Better still, imagine if they clicked directly through to your website and you knew what link they clicked on (you would know exactly what interested them). Useful stuff like that!

Fortunately all that information is really easy to obtain if you use a good email marketing tool like www.livewirecampaign.co.uk rather than Outlook. There might be a learning curve of a few days but its worth it to make your emails 100% more effective, right?

With this kind of marketing intelligence you can really start to harness the power of email, because email can give you something special ?instant, live, two-way communication from every address you deliver to. Thats right, every single one. Even emails that bounce back tell you something ?its likely those addresses are dead and you need to update your database. If you are getting 20% opens and only 22% reads then you know something about your email isnt connecting with your recipients. If it was, they would be reopening the email to re-read it or show it to the boss, so you would be getting a much higher percentage of reads?to opens?

With this kind of in-depth information you can begin to learn from what you are getting right and what you are getting wrong. You can begin to mould your campaigns and target your messages. Improve your response rates and follow up on click throughs. In essence, learn from your mistakes and find out what works for you.

To start you on the right track. Here are 5 tried and tested ways of improving the effectiveness of your emails.

1. Keep your subject lines short and to the point. Longer than 40 characters and theyll be cut off by many email clients. Dont use words like OFFER or FREE or exclamation marks for emphasis!!! Youll be relegated to the spam folder.

2. Keep it simple stupid. Dont make your emails too long or try to cram in to many offers. Youve got a second or so to grab your readers attention so keep it concise.

3. Let your readers know what to do next. Put a clear call to action on your email. A link to your website or your telephone number, big and bold.

4. Make it time limited. Putting a deadline on your email has been proven to increase response rates. Make it clear to your recipients that if they snooze they loose!

5. Time it right. Dont send your email at 10oclock on a Monday morning when everyone is manic. Its going to get deleted. Timing is everything so choose a time of day when your recipient will be more receptive.

Pay close attention to just these five rules and I guarantee you will improve your response rates. Good luck and remember the power of email marketing. Customer knowledge!

Anthony Braide is Managing Director of Gencia Media Ltd, makers of http://LiveWireCampaign.co.uk casino gambling
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Affiliate Marketing: What Is It, And How Can It Work For Me?

2007-11-05T15:54:00.000-08:00

Affiliate marketing seems to be one of the Internet buzz-phrases that keeps coming around and around. You go to various website where products are sold and you typically see a banner add or text link that says something about 'You can become an affiliate and make 75% for each sale," or something like that.

But, what is affiliate marketing? Simple. You are essentially directing traffic around the Internet with simple ads or text links on a website that you operate, from merchants or other organizations that have a product or service to sell. Each time that merchant makes a sale based on your forwarding traffic - you get a percentage of that sale. Call it revenue sharing if you like.

The amount you make per sale varies from company to company and product to product, but in some cases the affiliate can make 80% of the profit from the sale. For example, affiliate marketing is a popular work at home way for e-book authors or sellers to get other people's help to market their product. Since they have little overhead (sales page maintenance), they can afford to give affiliates a larger piece of the pie - usually over 75% of the total sale. That means as an affiliate, you can make significant dollars, and do very little work - except promote products on your site.

Many people have set up web pages with the specific intent of providing information about a topic, and then having web-generated affiliate links appear on that page, along with the related information. Each time a web-surfer clicks through that link and then buys a product - you collect money! How is that for being able to make money around the clock! It really is an ingenious work at home opportunity that can make you a great deal of money - with only a modicum of work.

Affiliate marketing can also work for you and your own Internet sales site. Attract affiliate advertisers for your own product, and you can open up the vast sales net on the Internet. If you localize your marketing and only sell from your own website, you are probably missing millions of other potential sales by limiting your product to only one sales funnel. You know the laws of averages - the more people that visit your site - the more people are going to buy your product.

If you are looking for a great work at home opportunity, or just another stream of cash to help you get through each month, then you might take a look at the world of affiliate marketing. Done right - you can make hundreds, or maybe even thousands of dollars per month.

As far as work at home opportunities, it doesn't get any easier than affiliate marketing. If you already have a website, you can add text links or button links to hundreds of different merchants - many of which will work hand in hand with the theme of your website. You can generate dollars while you sleep - which is something most people would dream of - rather than putting it into action!

Bob Saville has had a great deal of success working from home over the past three years. His website http://www.internetmarketingatoz.com/ helps people find the information they need to start their own successful home business!Make Money Taking Online Survey
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How Email Lists Can Lead To Larger Online Incomes

2007-11-03T18:17:00.000-07:00

Communicating with customers is the best way to persuade them to return to your web site and make a purchase. The easiest way to do this is to create an email list. With an email list, you can accomplish many things including:

* Repeat sales ?it is much easier to sell items to those who have already used them and are satisfied with them.

* Trust and loyalty ?many people are still unsure about purchasing items from the internet and only shop on select sites. Sending email and promotional alerts will persuade people to shop on your site. Once they have made a few purchases, you will have a customer for life.

* Branding ?branding your product using a logo or slogan will help people recognize your product easily. Including your company logo in all email sent will help spread the word and create brand awareness as people can forward your email on to others.

* Newsletters ?with an email list, you can send monthly newsletters that inform people about what is going on in your industry and your web site. Include sale items, new products, and other information that will entice customers to browse your site.

As you can see, the benefits and possibilities you create for your company by building an email list are many. This is a resource that will continue to grow as more people visit your web site.

Sign me up!

The biggest obstacle when creating an email list is getting people to sign up. While you can't force people to sign up for email alerts, newsletters, and other items, you can persuade them in a variety of ways.

* Landing pages ?This is a page that can be used to introduce your web site. Many internet business owners use this page to expand their email lists. Simply ask for email addresses before taking visitors to your site and you will be amazed by how quickly people will sign up.

You can choose to make this mandatory for entry to your web site or voluntary. Try both ways to see which is more successful.

* Advertising the newsletter ?By simply adding a sign-up box on the pages of your web site asking if people want to sign up for your newsletter, your email list will grow. Make sure your box is easy to find and easy to use.

* Ordering pages ?You can ask customers when they are placing an order if they want to receive alerts and other promotional items. Make it easy by having them click a box to sign-up. Since most companies need email addresses in case of order issues, all you need is the customer's permission to send promotional items to their email address.

* Receipt confirmation pages ?Ask a second time on the receipt confirmation email you send to customers. They may change their minds and want to sign-up.

Always include an opt-out option so customers will be able to remove themselves from your email list at any time. Add this to the bottom or your email.

Buying email lists

If you are having difficulty building an email list, you can always enter into a joint venture with other internet business owners or affiliate marketers. By sharing some of the profits earned from list sharing, you will be able to reach even more people, who may turn into customers.

Buying email lists outright from a list broker is another option. For a one time fee, you will have access to hundreds of potential customers. While most internet business owners build their own email lists over time, if you want to increase your sales quickly, investing in an email list may be the right decision for you.

Even though there are many forms of marketing on the internet, communicating directly with customers is still the best way to make a sale. Creating an email list or purchasing one will allow you to showcase new items, persuade more people to visit your site, and increase the number of return customers, which can have a huge impact on your bottom line.

Stuart Pearce is founder and owner of Style Product Developer Ltd. The company specialise in offering tools and resources to make the creation of a web based business easy and accessible to all. Begin your online career now, visit http://www.styleopportunities.com for details.Cash Easy Ways To Make Money
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List Building And Affiliate Marketing Go Hand-in-hand

2007-11-01T10:24:00.001-07:00

If you're into Internet marketing as an affiliate for someone else's program, how are you advertising your opportunity? I mean, are you just putting out the same old stale page that everybody else uses, or are you building your own page and list building at the same time?

Unless it's specifically stated in your affiliate agreement, and the means you use isn't illegal, such as spamming, you can use any means to sell a product. Generally, affiliate pages, emails, and so on are there for your convenience. They at least get 80% of the people moving, who might otherwise take no action at all. Here's the thing: 20% of the people will be active affiliates, and they're having greater success because they're treating the affiliate program as part of their own businesses. They're more creative, they get more sales, and everyone's happy.

Setting up a list building page to sell your affiliate product is something you should take action on. Give a review of the product away on your list building page, to entice people to sign up for your list. If you're going to do that, be sure that you can stand behind the product, that you have used it, and proved that it works. The review can be 250 words or less.

Your review should include information on the features that benefit the user. It should also give the cons of the product. Nothing is 100% great. Usually, there are small things that you would change, if you had a magic wand. Let people know those, too. If your review is too glowing, it won't seem real. Make it real. Here's what I mean:

Internet marketing expert, Tellman Knudson's My Fist List is an easy step-by-step list building information product for new Internet marketing businesses. You will learn how to set up your own domain and web hosting services so that you can get your list building pages onto the Web quickly and easily. It also teaches you to build those squeeze pages without messing with cumbersome HTML. The best part is how to find a reliable autoresponder and how to set it up to make money for you on autopilot. My First List takes all the thinking and questioning out of list building for you.

The only drawback that some might see is that you will need to spend money to get the system working, but you know what they say, "You have to spend money to make money." And in my experience, paid is always better than free.

But the very best thing about this system is that it works! I've tried it, and am making money with it already, though I just bought it last week. How great is that? If you want more information about MyFirstList, just fill in your first name and email address and we'll get it to you right away.

This might not be as good example an example as a straight affiliate page because an affiliate link for MyFirstList would lead to another squeeze page. People might be shy about opting-in twice before they even see what the product is about, unless they're very excited by your review. However, if the product you're selling has a sales page or it's just to their main website, writing something like this and adding it to a list building shouldn't be a problem. This is just an example.

Anyway, after they opt-in to your list and confirm their membership, the first autoresponder message should be a "thank you" page. Also give people a bit more information about the product or Internet marketing program, and an opportunity to buy or join by including your affiliate link. This is very easy to do and you should always be list building, any way you can.

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Making A Basketball Pass - 17 Tips For Success!

2007-10-31T13:55:00.000-07:00

Undoubtedly one of the most important aspects of basketball is passing. In order for a team to move the ball effectively they must be efficient at basketball passing.

Passing is used in almost every part of the game. Let's think about it for a minute. The offensive team uses the pass to advance the ball down-court on the fast break. They also use the pass to move the basketball around in their half-court offense. Various passes are used depending on where and who the ball is being thrown to.

Rebounders use various basketball passes to throw to an outlet player - which is the initial step of initiating the fast-break. Offensive players must use a variety of passes when executing an inbound pass.

It's easy to see how important the pass is to the offensive players on the court. Every player must be able to pass the basketball effectively and efficiently in order to help their team succeed. In order to do this, they must have strong fundamentals and techniques. They must also practice a basketball drills that work on a variety of passes as well as passing situations.

As players practice their basketball passing and as they use the basketball pass during their games, there are certain tips they must be aware of and keep in mind. These are the passing dos and don'ts. Every player must realize the importance these dos and don'ts have on their effectiveness as a passer. The players that are able to implement or eliminate these tips will become extremely successful at basketball passing!

The Dos Of The Basketball Pass:

1. Do make the easy pass.

2. Do hit the open player.

3. Do use fakes before making the pass.

4. Do use an air pass on the fast break - not the bounce pass.

5. Do use the dribble to create better passing lanes.

6. Do pass to the low post from below the foul line.

7. Do use a bounce pass to feed the post.

8. Do follow through on every pass - don't let them float.

9. Do pass with two hands. One handed passes are harder to receive.

10. Do pass away from the defender.

11. Do face the basketball to improve your vision of the court.

The Don'ts Of The Basketball Pass:

1. Don't throw to a teammates voice.

2. Don't jump in the air to make a pass.

3. Don't pass to a teammate who is in trouble.

4. Don't make a pass to a teammate that will get them into trouble.

5. Don't make a pass from the middle of the court - pick a side and then pass.

6. Don't overpass the ball.

Looking for more tips and advice on the basketball pass? Visit us today!

Joe Waters runs http://www.ultimate-youth-basketball-guide.com, a site dedicated to offering players, parents and coaches the best information, reviews and advice about the game of basketball. casino game
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Meeting Your Client's Expectations Isn't Enough

2007-10-29T14:09:00.000-07:00

One of the current buzz phrases in business is exceeding the clients expectations.?This is a laudable goal, but one that is seldom met. And then to top it off, it isnt enough. If you manage to exceed your clients expectations, you still have only succeeded in meeting half of your obligation to the client.

Clients have more than simply the expectations during the sales, they also have product or service priorities. In order to have consummated a quality sale, you must have met both the clients expectations of the sale and their product or service priorities. Many salespeople think these are one and the same. They are not.

Lets break these down into two distinct concepts.

Expectations: Every client has certain expectations about the sale. A client may expect a number of things to happen during the course of the sale: they expect to be kept fully informed; they may expect any problems or issues during the course of the sale to be eliminated quickly; they may expect certain things to happen at certain times, such as delivery or billing; they may expect certain members of their team to consulted about aspects of the sale or installation; they may expect notification and coordination prior to delivery; or any number of other expectations. All of these expectations are sale related. They deal specifically with the sales process. Different customers will have different expectations during the sale. For example, one customer may expect to be kept fully informed of any issues during the process, but other than that doesnt want to be bothered with updates. On the other hand, another customer may expect to be updated on a regular basis, and a third customer may want what you consider to be overkill and want to be kept informed almost daily. Three different customers--three different expectations. Moreover, of course, each customer will probably have several expectations, not just one.

Product or Service Priorities: In addition to their sale expectations, clients also have product or service prioritiesthose things they fully expect your product or service to deliver. As with expectations during the sale, each customer will have his or her own product and service priorities. An example would be a client purchasing new delivery vehicles. One clients top priority may be fuel efficiency; another may be visual impression (image), while a third may be loading capacity. Depending upon the product or service, the customer may have only a few or many priorities.

Any sale that does not meet both the clients expectations during the sale and their product/service priorities is a less than successful sale.

In order to be able to expect referrals, you must make it you top priority to meet, and hopefully exceed, both your clients expectations and priorities. Part of your referral-based business model is your agreement with the client that if you meet certain goals, you will get referrals. This is an agreed upon commitment between you and your client. If you perform, you get the referrals youve worked for. Fail and you havent earned them.

How, then, do can you make sure that you are fully aware of the clients expectations and priorities? You must sit down with each and every client and discuss in detail exactly what his or her expectations during the sale are and exactly what their product/service priorities are. There isnt any other way of making sure that you are both on the same page.

Unfortunately, most salespeople and their companies assume they know what the clients expectations are. Ask most salespeople what their clients expect and theyll quickly rattle off a list: friendly service, no problems during the sale, on-time delivery, no add-on charges, and others. This list, however, is nothing more than what they believe should be the expectations of there clients. Furthermore, nothing has been said about the product/service priorities of the client.

Salespeople and their companies tend to view the sale as two separate and distinct transactionsthe product and/or service the customer has purchased or contracted for and the sales event itself. In reality, in the clients mind, these are one and the same. If either the sale, which is the actual process of selling and delivering the product or service, or the product/service does not measure up to the clients wants, needs and expectations, the salesperson and their company have failed.

Salespeople must redefine their sale to include both aspects of the clients purchase. Although in many cases the salesperson has little or no control over how the product or service performs, the customer based on the product/service performance will judge them. In addition, the customer will also judge them based on how well or poorly the sales process goes. In other words, you client will hold you responsible for your performance, your companys performance, and the product/service performance. Consequently, you must know exactly what your client expects during the sales process and what his or her priorities are of the product or service you sell. You must then make sure that you meet both their expectations of the sale and that the product or service you have sold them meets their particular priorities.

This puts a huge burden on the salesperson, though not a burden that was not already present. Most of us operate blissfully unaware that we are being judged based on both how we perform and how our product or service performs. We tend to think of ourselves as being responsible for how we deal with the clientthis is, that we keep the promises we personally make to the client, not that we are personally responsible for how well or poorly our product or service meets the clients needs. We tend to think of the product or service as something that is between the customer and our company, not between the customer and ourselves.

In order to be able to know exactly what your clients expectations are during the sale and their priorities for the product or service, you must have a frank and open discussion with the client. This discussion is not one to be rushed through. The client needs to know that this is the defining discussion of the whole sales process. You must ask in no-uncertain terms exactly what their expectations of the sale are and exactly what their priorities for the product or service are. By all means take notes and then, after the client has had the opportunity to define for you what their expectations and priorities are, repeat them to your client in exactly the way you understand them. If, for instance, your client states that the delivery date is most important during the sale, with an expectation to be kept fully informed and that he be notified of any issues that arise immediately, and that his primary priority for the product is that the vehicles be capable of carrying X load, at X fuel economy, and at X price, you need to recite to him that your understanding is that his primary expectation is that the vehicles must be delivered on or before the agreed upon date, that you communicate with him either by phone or e-mail at least weekly, and that if any issues arise with the purchase you will communicate those to him with X number of hours after you discover the issue; furthermore, you understand that the vehicles upon delivery must be capable of hauling X, that they must get X miles per gallon, and that the agreed upon price should not change in any manner. Get his agreement on each and very statement. If you have misinterpreted anything or if the client rearranges his expectations or priorities, go over them again. Once you have his full agreement on each expectation and priority, ask again for his commitment to provide quality referrals upon completion of the sale. A simple statement such as, ?clients name), were in agreement that if I meet these three sales expectations and the product/service meets your prior ities, you will provide me with 5 quality referrals as we had defined them previously, correct??

Even though at this point you have discussed with your client their expectations and priorities, and have a verbal agreement as to what they are and that you will have earned the referrals if you meet them, dont stop there. Take one final step and once are back at your office, send the client a brief e-mail listing his sales expectations and his product/service priorities. Do not put them in a format that appears to be documentation. Simply send an email that reads something like Don, thank you taking the time to go over your expectations and priorities with me this afternoon. Since every client is different and each has different wants and needs, it really helps me meet your wants and needs if I know exactly what your top priorities are. My understanding is that you (then list his sales expectations and then his product/service priorities again, just as you did when you were with him). If, upon further reflection, these arent quite right, please let me know.?

Once you have clearly defined what your client expects and what his priorities are, you can take dead aim at meeting his wants and needs precisely, without any doubt as to which activities and issues you must pay particular attention to in order to have fully met, and hopefully exceeded your clients expectations.?

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North Korea Throws Nuclear Tantrum; Cries For More Monetary Milk

2007-10-22T09:19:00.001-07:00

Hear little Kim Jong Il wail, Wah! Wah!?I need more financial aid, and, so Im going to throw a nuclear tantrum, until you give me all the monetary milk I need. And just to make his point, he actually did go and set off an underground nuclear test.

The testy child is afflicted with an oppressive anomaly. In a world where one Asian newborn after another is growing in a remarkably healthy way, hes just doesnt seem to have the physical wherewithal to keep up.

Evidently, feeling famished is also affecting his developing brain. Why else would he wear those really big, plastic sunglasses and look unusually pale and strange, ever closer, in fact, to having a face with what is known as a flat affect. We wont even mention a haircut that looks as if he shaved it himself with the possible guidance of a stewpot

Are we to heed his cry? Can we possibly provide enough nourishment to satisfy the desperate child? Of course, not. No financial formula can make him as healthy as his vigorous Asian rivals.

No matter how much the testy tyke explodes, the only remedy for this infant terrible is to change his own behavior, so that he can grow up to be his best Korea in a peaceful and likable way?

It shouldnt be an impossible adjustment, especially at a time a sibling like communist China is flirting with extraordinary freedoms such as giving its citizens the right to decide whats for dinner.

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Forex: The Keep It Simple Stupid Guide

2007-10-21T17:31:00.000-07:00

A wonderful way to diversify your investment portfolio is to learn forex trading. Many new investors have discovered the world of foreign exchange trading to be an exciting new challenge. One that is filled with rewards that are beyond what they were achieving as stock traders. Currency forex trading is a great way to branch out into new investments. Experience a completely new world of investing by stepping outside of the chaotic domestic economy.

The unique thing about the forex market is that it never closes, if you feel like trading at 2am it's not a problem. Unlike with other markets, such as the stock exchange, you can continue dealing with the currency trading market without worries over it closing at the end of the day. Websites give you 24-hour access to monitor what has been happening in the world currency markets at anytime. Through these sites you are able to learn all the basics about the market.

The websites will include tools and tips to guide you through the beginning steps of trading. This is a clear advantage because you can hone your trading skills before laying down your own money in the market.

When you think of it, the forex firms are training you to become skilled at trading for free by providing guidance, demos and news at no additonal cost. In a short while you will start feeling confident in trading and investing in forex. It only takes about $300 to start getting some good returns.

Learning forex does not require that you have a degree in economics or that you study the markets for years. The forex trading websites have made it easier for you to become successful. Forex brokers will give you access to the market for your currency trading.

Just like stock brokers, they can provide you accurate information and advice on how to deal with Forex trading strategies. Advice includes all the aspects of the Forex trading market which extends to research approaches and technical analysis to improve the member�s trading performance. Naturally, because this market has apparently been providing a great return on investment, large financial institutions have been proactively monopolizing the market.

However, with the trading firms, small-time individuals also have the opportunity to earn money through Forex trading brokers. As I mentioned earlier, the online firms have been providing powerful website tools to become familiar with the whole idea of the currency market.

Your choice of Forex trading broker will largely depend on your need in the trading market. Many brokerage sites will provide trading simulators and expert advice as well as research and analysis designed for first time traders. Furthermore, these websites typically provide experienced online Forex traders who offer in-depth advice to forex traders of all levels. All of these tools are available to beginners to try out.

You really can earn money by taking the time to learn forex trading. The availability of investment simulators and 24-hour customer support enables new investors to learn quickly. Not only can you be trading in no time, you will also be showing a tidy profit. Start researching forex trading. You might be shocked to see how many large companies are involved.

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After I Send My Prospect To The Website, I Never Hear From Them Again

2007-10-20T21:35:00.000-07:00

Say you're on the phone with a customer prospect, discussing a product that helped you with an achy knee, and they ask to see a website. Where are you sending them?

Go visit that page yourself. Check this: Does it have information about both the business and an array of products? Is it immediately easy to see info about the product whose story you were just discussing?

If you're sending them to your company home page, think again. Chances are it's way to busy for the poor person to find the product you were discussing.

That's why you're losing them - you sent them to the wrong page. They're not looking for a business, but a product, and not an array of them, but the specific one you were talking about.

Do this: find the page on your company site that has the info on JUST THE PRODUCT you like to market - the one that's helped you the most. Send them to THAT page. It's like going to Amazon.com and asking for info on a book you're looking for. Do you expect to see a slew of other books instead, or info on how to make money selling books online? Or do you expect to find info on the book you are looking for?

This is the same.

If the link (URL) is really long, and you market a certain product regularly, consider getting a related domain name, and having it forward to that product page. Make it easy on your customer.

For example, one of my students markets an achy knee product, and right during the 3 Scripts Class, she got the domain name, www.nomorachykneesforme.com. She set it to forward to the specific product page for that product on her company's website.

Nice and direct for your customer.

And no more lost sales because the customer got totally lost on the company home page when they're looking for a specific product.

Kim Klaver is Harvard & Stanford educated. Her 20 years experience in network marketing have resulted in a popular blog, http://KimKlaverBlogs.com, a podcast, http://YourGreatThing.com and a giant resource site, http://BananaMarketing.com.Auction Ebay Make Money
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Employee Benefits Right Or Privilege

2007-10-18T18:16:00.001-07:00

Over the years, one of the most important factors candidates cited in searching for employment was benefits. Surprisingly this was second to salary. Considering the high cost of healthcare and prescriptions, benefits have played a vital role in the way people look for jobs. Unfortunately, in recent years, we have seen a decline in the benefits being offered. Companies are finding it difficult to keep pace with the rising costs of insurance and other employee benefits, forcing them to either reduce or eliminate their offering.

Many believe that employees are entitled to benefits, feeling it is the companys responsibility to offer some level of support. Others believe that employee benefits are a privilege not a right. For this group, they believe that any offering is better than nothing at all. Adding further fuel to this hotbed issue the number one reason that people file for bankruptcy is medical bills. So, what is the truth about employee benefits is it a right or a privilege?

Lets begin by addressing the many inaccuracies and misconceptions relating to employee benefits. Myth: For Only large companies are required by law to provide benefits. Truth: The truth is that while some benefits are mandated, the majority are not. Standard benefits such as healthcare, holiday pay, and vacation are routinely offered by companies of all sizes as part of a benefits package. While most companies do offer some or many of these benefits, from a legal standpoint, these benefits are not actually governed by the law.

In a competitive marketplace, employee benefits can be the deciding factor for many candidates. Organizations offer these benefits in order to attract and retain high quality employees. Business owners know that providing perks to employees is a worthwhile investment to attract a higher caliber of employee. Therefore, while the company has to spend significant money to provide this type of coverage, they do so as an investment to growing business, and attracting and retaining a talented workforce not because they are required to do so. Todays world is highly competitive. Individuals who have graduated with a BA or even MBA usually only work for top companies. This means that for small to medium size organizations to compete they have to find creative ways to make the opportunities more appealing.

Another misconception is that people are entitled to time off for vacation. Again, this is something offered, not mandated by law, as most people believe. Now, when it comes to receiving vacation time, if it is provided by the employer, it must be treated in the same way as wages, being earned daily, which is law. The other factors protecting the employee from accrued vacation is that once it is earned, the company cannot renege by taking it back and if the employee leaves the company, regardless of termination or voluntary leave, he or she must be paid earned income.

The examples listed below will provide you with an idea of what is the employees right versus privilege:

Any company with a minimum of one employee is required to provide unemployment insurance, which is covered 100%, meaning the employee pays nothing.

Workmens Compensation This too must be provided for any company with one employee to include disability income, medical benefits, and time off, paid for by the company at 100%.

Pregnancy Disability Leave For companies with a minimum of five employees, reasonable accommodation must be provided, typically between four and eight weeks.

Vacation This benefit is not required under current law although any vacation must be accrued and paid out to the employee upon separation from the company.

Sick Pay Again, by law, this is not required. However, under the Federal Medical Leave Act (FMLA), employees under certain circumstances would be provided time off (up to 12 work weeks within a 12 month period) without pay while the current job is protected. FMLA would cover issues pertaining to death in the family, medical leave, adoption and serious health issues of immediate family members.

Holiday Pay This too is at the discretion of the company and not mandated.

Pension and Retirement While this would not be mandatory, any coverage provided would need to follow strict ERISA regulations and tax laws.

Healthcare Insurance Finally, health insurance is not required by law. However, when coverage is offered, it would fall under the direction of COBRA, Cal-COBRA, and HIPPA regulations.

As you can see, most employee benefits are in fact a privilege and not a right. While job seekers and employees might deem it unfair or even immoral, it is what the law currently states. Having an understanding of the law, enables you to tailor and market your employee benefits package appropriately highlighting the perks that your company can offer.

Richard A. Hall is founder and President/CEO of LexTech, Inc., a legal information consulting company. Mr. Hall has a unique breadth of experience which has enabled him to meld technology and sophisticated statistical analysis to produce a technology driven analytical model of the practice of law. As a busy civil trial attorney, he was responsible for the design and implementation of a LAN based litigation database and fully automated document production system for a mid-sized civil defense firm. He developed a task based billing model built on extensive statistical analysis of hundreds of litigated civil matters. In 1994, Mr. Hall invented linguistic modeling software which automatically reads, applies budget codes, budget codes and analyzes legal bill content. He also served as California Director and lecturer for a nationwide bar review. Mr. Hall continues to practice law and perform pro bono services for several Northern California judicial districts.Business Internet Make Marketing Money Online Small
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