Business Plan

Archive for the ‘Finance’ Category

Are you a senior; have you retired and found out that you are having trouble making ends meet? With today’s economy, many of us are asking these questions.

Gas prices continue to increase. Heating costs continue to go up. Electricity is getting more expensive. Medical care costs continue to rise. All of these items continue to be needed by the average family. Yet, if you are a senior, you are probably on a fixed income like most of us.

I’m a senior – I’m 69 years old. I’ve been retired for about five years. I’m on Social Security and receive a pension. My wife, who is also 69, still works to supplement our income.

I’ve worked hard all of my life and earned sufficient income to live a comfortable life. Now, I’m seeing financial problems; I thought I was OK for retirement and could continue to live the lifestyle that I was used to. Guess again.

Let me share some personal situations. I’ve had two surgeries in the past two years – Total cost $150,000. Although I am covered by my Medicare and Supplemental Insurance, I still have to pay approximately $9000 per year for Medical Insurance and this does not include deductibles and co-pays. Recently, I had dental problems; a new partial for five teeth – total cost $6500. I do not have dental insurance.

I heat my house with oil; oil prices have continued to increase along with gas prices. I’m just about to the point where I’m living from paycheck to paycheck. I was doing that when I was young and just starting to work. This is not right. I asked the question “How can I help myself to improve my financial situation?
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This financial advisor marketing strategy is all about the art of communication. As you know, you have many opportunities to speak to a prospective client – whether you are giving a lecture/seminar, or you meet someone out at a party, a restaurant, etc., the circumstances really do not matter, there are things you should say and not say in order to express your value.

Try to eliminate yourself from the conversation and make it all about them. Avoid saying “I” if at all possible. Avoid talking about the specifics of the services you perform or provide. Instead, focus on the value that the prospective client wills obtain/enjoy/receive as a result of using your products or services. This is a really important point. Many of us tend to focus on, “I do this”, and “I do that”. What your prospective client really wants and needs to hear from you is, “By coming to my business, here is the value you will receive as a result of using me, my products, or my services.”

In other words, it’s all about the value of what you offer and not necessarily the specifics of your products and services.

This is “strategic conversation” that will generate fantastic traction with your financial advisor leads. And, you will be able to stimulate perfect word-of-mouth as this prospect will take what you say to them out to people they care about and deliver a perfect message about why they should use you over anyone else.

Clinical negligence is the lack of the duty of care by the medical practitioner, who obviously fails to follow the standards of health care. A medical professional is bound to be responsible, diligent and competent of dealing with the utmost complications that the patient might be facing. However, they incompetent behavior leads to a case of clinical negligence and holds him answerable in the court.

Clinical negligence hence revolves around the negligent behavior of the doctor during the course of any treatment. They is either accused of misdiagnosing the problem or mistreating it with wrong medication measures. The clinical negligence usually makes the victim feel stressed out as he/she has been through an entire phase of loss. The loss is based on his physical and emotional trauma and at times, on financial loss as well.

The course of treatment is quite fragile and the doctors nowadays, charge quite a heavy amount that is required to be paid in advance of receiving the treatment, so that there is no delay in the treatment process. However, with regard to clinical negligence, patients are bound to be deprived of their financial security.

The patient is left with no hope regarding they financial resources in the future. They is deprived of whatever he/she had earned strenuously; moreover, they shall only be able to work for financial resources after going through the process of rehabilitation.
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