I was once a Salesperson and over the years, I've discovered that when sales people tell me that they have prospecting on their "to do" list, what they really are saying is that they "intend" to prospect. When sales people tell me that they are going to call a prospect and get a decision, they do call and they intend on getting a decision, but they really aren't committed to the intention. Finally, when sales people tell me that this is the year that they are going to self-manage to extraordinary performance, what they are really telling me is that they are going to get ready to get ready and not move any rocks that are consistent with successful selling. As harsh as this may seem, I would ask you- Does this look or sound anything like you in the past? If so, then join me and the multitude of others who struggle with prioritizing their time so that their rocks get moved, the "to do's" get done and the intentions get ignored. Let me tell you that I will be the first in line this year to correct this problem, because I may be one of the biggest offenders.

Perfect example- Last Tuesday, prospecting was on my rock list. When did I get to it? Friday at 2:30 pm and I had success. I scheduled three appointments and moved the rocks a little further up the hill. But what would I have done if an emergency, a real one, had shown up on Friday? I would have put myself in a position to make the lame excuse: "I had an emergency and couldn't get it done". The reality was that I put other stuff first on Tuesday and made myself vulnerable to failure on Friday.

Lesson #1 Be a slave to the schedule. Schedule your prospecting and make sure you do it when you have it scheduled.

Lesson #2 Rocks are rocks- these are the non-negotiable objectives of your business. When you state something as a rock, then nothing short of an emergency gets in the way.

Lessons #3 "To do" lists are, for the most part, horse pucks. How do I know? The stuff on the list doesn't usually get done. Make sure you clearly identify "to do" from intention.

Lesson #4 Intentions are just that, things you intend to do and would be nice to do and might bring you some self satisfaction, but in reality they have nothing to do with moving rocks.

Lesson #5 You must find a way to hold yourself to high standards of accountability. I am holding huddles with my staff weekly and my COO and co-owner every week to make sure the rocks get moved and the "to do's" get done.

Money making ideas will show up when you badly needed money just like what happen to my friend parent.If you are a parent of a teenager, there is no doubt that you are probably being constantly hit up for some cash. Maybe it's a for gas money, or for money so they can go out to eat with their friends. Maybe there is a class trip in the works that they need money for.

Or maybe they are just saving up for something they really want to buy. Whatever the reason, why not give them a way to make money for themselves, instead of coming to you for money whenever they need it. You may not mind giving them a little extra cash now and then, but making it themselves can not only provide them with extra spending cash, but also some useful working skills that they will use for the rest of their lives.

Luckily, there are great business ideas that they can take advantage of that do not require them to even leave home.

For example, your teenager may be great at knitting, and is interested in cool knitted hat styles. They can sell them to their friends at school, or they could even build their own website or list them in places like ETSY and auction sites like eBay.

Same thing goes if your child enjoys baking brownies or cookies; they can build an entire business around that. Yesterday's lemonade stands and paper routes have become today's online businesses and freelance jobs. Bottom line, any talent your teen already has, or any hobby they like to do can be turned into a great online money making venture. Once they start bringing in the bucks, they will never have to ask you for spending cash again!

If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read the amazing, true story, in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.

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Banks will lend you an umbrellas when there's no rain but when rain comes they will not like most mortgage bankers buy out loans when the outlook of the economy is stable or is witnessing steady growth. In contrast, primary lenders often provide loans to customers when the economy is down, unemployment high, and there is demand for money in the market. This lender sells off these loans to mortgage bankers when the economy gets back on track. Often the primary lender charges a premium for each loan that he sells to a mortgage banker.Some mortgage transactions may also involve mortgage brokers. These brokers often act as intermediaries in sale of loans to mortgage bankers. Mortgage bankers act as wholesale lenders and cater to mortgage brokers for obtaining loans from the primary market. Some mortgage bankers offer loans to brokers at below market rates. These brokers then lend the money to a customer and charge a fee in between. Thus the client ends up getting money at market rates.

Based on the recommendations of Foreign Investment Promotion Board (FIPB) in its meeting held on 25th April, 2008, Finance Minister, Shri P. Chidambaram has approved 15 proposals of Foreign Direct Investment amounting approximately to Rs. 308.57 crore. The proposals relate to Ministries/Departments, namely Chemicals & petro-chemicals, Commerce, Industrial Policy & Promotion, Information & Broadcasting, Textiles, Steel and Economic Affairs. The major investment proposals pertain to the Ministries/Departments of Commerce, Information & Broadcasting and Economic Affairs.

Any business must carefully consider supply and demand. For example, if the ReVo Corporation thinks that it will have a full-fledged fad on their ovoid sunglasses next summer, perhaps they should plan to build and distribute, say, 10M units. This involves gearing up factories, setting up distribution and dealer networks, and carefully managing the inventories at each level so that ReVo will still have credibility with their distributors, retail outlets, and the public the following year.

If it turns out that there is a "run" on ReVo products, and they sell out in mid-June, then they have miscalculated demand and will miss out on profits they could have made. The more serious problem, however, is overestimating the saturation point for the product. If they make 10M units, and sell only 2M units, this may be the end of ReVo as a company.

The all-too-obvious point here is that management of supply and demand, and keen insight into realistic market penetration and saturation are crucial to any business, for any product or service. Mismanagement of this aspect of a business will eclipse good market access, excellent product design, human resource assets, production quality, and so on. Simply stated, a failure to "hit the target" of supply and demand can ruin a company if the market is oversaturated.

decreasing term life insurance provides life insurance coverage for a specific period of time. Presently, one year to thirty five years are the periods one can buy decreasing term life insurance over. If the insured dies during the period the insurance is in force, the insurance company pays off the face value of the policy. If the insured lives longer than the term of the policy, the policy is no longer in effect. Nothing is paid.

Decreasing term life insurance, or mortgage protection life insurance, as it is commonly known, has a sum assured which reduces each year (or possibly each month) by a stated amount, decreasing to nil at the end of the term. It is normally used to cover a reducing debt, such as the capital outstanding on a house purchase mortgage, with the sum assured being linked to the reduction in the capital outstanding under the loan.

Cheap decreasing term life insurance
Although the cover decreases each year, the premium remains constant. Premiums are sometimes payable for a shorter period than the policy term itself, because otherwise there would be a temptation for the assured to lapse the policy in the last year or two, when the sum assured has reduced to a comparatively low level.

Premiums for decreasing term life insurance are either slightly cheaper than for level term assurance for the same initial sum assured and term – or the same, but payable for a shorter period.

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The first quarter composite ratio delinquencies are as follows:

* Personal loan delinquencies dipped to 1.81 percent from 1.97 percent.

* Direct auto loan delinquencies rose to 1.78 percent from 1.72 percent.

* Indirect auto loan delinquencies fell to 2.04 percent from 2.13 percent.

* Recreational vehicle loan delinquencies dropped to 0.78 percent from 0.9 percent.

* Marine loan delinquencies decreased to 0.94 percent from 1.01 percent.

* Home equity loan delinquencies fell to 1.94 from 2.07 percent.

* Property improvement loan delinquencies increased to 1.42 percent from 1.36 percent.

* Mobile home loan delinquencies dropped to 3.37 percent from 3.91 percent.

Additionally past-due payments on home equity lines of credit - the lowest delinquency rate category - increased to 0.55 percent from 0.51 percent, the fifth consecutive quarterly increase.

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