Business Plan

Posts Tagged ‘Financial’

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?
Read the rest of this entry »

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.

Be careful with ‘phishing’. Email phishing is that they seem to arise from the sponsor. In the last few years they have been realized in the usual way of virtual fraud. It appears that this letter is legitimate, and target customers through a name, credit card information, so that will increase their credibility. Criminals send e-mail with a plea to see the data, and after we have connected to the address you provided false income to the Web. The best way to maintain such mail will take a little credibility, but more acquisitions made through a credit card with a letter from an entity in fact.

In front of a suspicious email, it is better to enter the Web address you type in the browser, without following the link provided in the mail, and if true what is announced, you will have access to secure Web. In the case of real supply is not communicated to the company concerned to do this is to use its Web-phishing, they are more interested in the end this practice that discredits the business.

Spam mails with a link usually contain spyware or malware. Ask your ISP or system with the department to verify that the client has all the appropriate safety from hazards such as in the use of credit cards quickly. Have a defense against spam, viruses and malware at the gateway on the Web can make a large difference.

In all situations on the mechanism in the risk, financial institutions must immediately notify the cancellation of all member companies. In the case of cancellation of a credit card, except to cause loss or theft, the bank asks for the return of canceled credit cards, with the costs of liquidation in the same holder. The same applies when removing the new card to replace the same or above, or the expiration or revocation of a credit card. If the return of material cannot be realized credit card holder is responsible for their liquidation. When we make a complaint to us is lost or stolen credit cards is recommended to note the details of the person with whom we made the complaint and the date and time to ensure that we make a complaint.

However, remember that your credit card will prevent the theft of money associated with the expenditure that will be safe to operate with more pay from the cash safe, as long as basic precautions. Special interests that have claimed the credit card to conduct transactions via the Internet, only with this additional element of security.