Leaving school, getting a new job, or even a raise at your current one, has most people considering their next great purchase. Few think about the affect this could have on their future. Rather than pay down the debt they carry, many ponder, "What can I buy now"? The greatest purchase anyone can make is their future. Each year as you live your life, the proper choices would have you possessing a greater net worth at the end of the...more
You know the game, don't you? Someone invites you to help them solve a big problem and every great suggestion you make is met with, "Yeah, but that won't work becauseĀ ." Frustrated and defeated, you finally give up. Next time someone tells you about a problem, use these steps. 1. Listen politely, without offering any suggestions. Remember, it is not your problem. 2. Affirm that the problem is really important. Just say, "That sounds like a...more
Credit Card Management Services, Inc. is a fully licensed 501(c)(3), non-profit, credit counseling agency whose mission is to provide compassionate, professional debt management counseling and education in an ethical manner with efficient, timely and problem-solving client support. Since 1996, CCMS has helped thousands of consumers gain financial stability through credit counseling, personal finance education and debt management solutions. Located in West Palm Beach, CCMS provides our services to consumers in over 40 states. CCMS prides itself in being a customer-service oriented, education-driven agency. CCMS offers credit counseling, budget analysis and personal finance education to all consumers that seek our assistance. Consumers that contact CCMS are directed to one of our certified credit counselors who review their unique financial situation. During this initial counseling session a credit counselor will review a client's current outstanding financial obligations, both secured and unsecured, as well as their monthly budget. Our counselors carefully analyze and assess the client's financial situation and recommend a course of action that helps them meet their financial...more
Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002. With so many people deciding to cash in on their home's equity value, it seems sensible to review the factors...more
As we near the end of summer, here is a question I have for you, "Are you using the right form of energy to grow your business?" Are you having trouble growing your small business as fast as you want? Are you making all the right moves and still the business just inches forward? Read this article and see if you are using the right form of energy...more
To survive in business, you've got to focus your attention on the areas that will guarantee you success. Your clients are your greatest asset. Taking the time to educate them and connect with them will pay big dividends over the long haul. There are lots of ways to spend your marketing dollars. But I've found that the number one most effective marketing tool around is a newsletter. This is the perfect time of year to fine tune - or develop - yours.Hey! It's good news!What sets your newsletter apart from all the other stuff that comes across your clients threshold everyday is that a newsletter is perceived as good news. Think about it, the stuff in the newspaper is general pretty dismal. The rest of the stuff in the mail is either advertisements or bills. Take advantage of that perception of your newsletter being something good.Please don't insult your clients' intelligence by cloaking a hard sell as a newsletter. Marketing surveys across the country have shown that newsletters are very well-received and the best way to stay in touch with your clientele. Make your message, and your practice, stand above the rest by making each issue interesting and informative.More education equals...more
As a busy executive, you face some extremely difficult challenges like creating and dominating new markets or finding and keeping the best people. But then, like many executives, do you find yourself spending too much time solving everyday problems...more
A white paper on how companies should analyse customer data to gain better business intelligence and how they can use that knowledge.GAINING BUSINESS INTELLIGENCEIn an increasingly competitive world, using your client database smartly, to gain a...more
A bank or mortgage company is nothing more than a box in which to keep money. The owner of the box has to do a few calculations. Firstly, how much is he going to offer those people who deposit cash in his box, in return for such a deposit? Secondly,...more
IF If it seems as if all investors are selling, who is buying? If trading has become entertainment for you, it may be time to refocus on profits. If your stock has reached an annual low, can it go any lower? If your stock has reached an annual high,...more
Let's face it, unless you're Donald Trump, business can be pretty dull most of the time. Maybe that's why so many people decorate their cubicles and offices with cartoons. A good laugh can really perk up your day! So why don't more businesses use...more
An effort built around a string of print and broadcast exposures? Or, a public relations initiative that delivers results far beyond simple publicity tactics. Namely, real behavior change among your most important outside audiences leading...more