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    Malcolm Baldrige Values and Concepts Part 10 – Focus on Results and Creating Value
    In this issue, I will share my experience acquired from the conglomerate and its operating companies. For the purpose of this article, I will articulate the Focus on Results and Creating Value which is one of the Eleven Values and Concepts in Malcolm Baldrige Criteria (Source: http//www.nist.gov/quality). As before, I will use case studies to show how some of the companies implement them.To recap, below are the Eleven Core Values and Concepts of Baldrige Criteria:-Visionary Leadership | Customer-Driven Excellence | Organizational and Personal Learning | Valuing Employees and Partners | Agility | Focus on the Future | Managing for Innovation | Management by Fact | Public Responsibility and Citizenship | Focus on Results and Creating Value | Systems PerspectiveI will deal with the one of the Va
    NAME IS _______, FROM THE _____ AGENCY DOWN THE STREET, AND I’VE BEEN TRYING TO REACH YOU BECAUSE I FIND THAT SOME OF MY RETIRED CLIENTS ARE PAYING INCOME TAXE
    What's So Exciting About Stock Option Trading
    Option Trading seems to be more popular now than ever before. We all know that options can help leverage the money that you trade or invest. But, for the beginning stock trader, the concept of options trading can be a little confusing. In this article, I will to talk about what options are and the different types of options. I will also show the advantage that the options trader could have over people who do not trade options.Options can be broken down into two broad and general categories. There are call options and put options. The decision as to whether or not you want to use call or put options in your option trading depends on your opinion about where the market will go and how you want to make money based on that opinion.One of the initial concepts that traders seem to find confusing is how options are priced. Usually, w
    When it comes to annuity appointment setting, the most effective technique by far is the Drop-By System. However, if you've totaled your car, broken both legs and must resort to a phone call, I've always taught my agents that the best way to engage your prospect on the phone is to open with a statement that is anything but your typical warm fuzzy, "How are you today?" Your statement must (1) make them sweat a little and (2) pose a problem which is at the same time a benefit of owning an annuity (without saying the word ‘annuity’). Note: This formula works with any product.

    For example, “HELLO, MRS. JONES? MY NAME IS _______, FROM THE _____ AGENCY DOWN THE STREET, AND I’VE BEEN TRYING TO REACH YOU BECAUSE I FIND THAT SOME OF MY RETIRED CLIENTS ARE PAYING INCOME TAXES

    Learn From Your Defeats
    How often do you try to probe for information after you have lost out on a sale? If your answer is “never” or even “very seldom”, you’re losing out on a very good opportunity to learn something from your defeats and turn a positive into a negative.No one can go through life without losing. Even Michael Jordon and Tiger Woods have suffered through plenty of losses in their lifetime. Yet they are both considered to be the best to ever play their respective sport. Napolian Hill says that “in every adversity, are the seeds of an equal or greater benefit”. Without exception, you can pick up any book on self-improvement and there will be a section on perseverence. Perseverence is the quality that seperates temporary defeat from failure. But perseverence alone will not suffice without the ability to seek out the benefit in the adversity,
    and must resort to a phone call, I've always taught my agents that the best way to engage your prospect on the phone is to open with a statement that is anything but your typical warm fuzzy, "How are you today?" Your statement must (1) make them sweat a little and (2) pose a problem which is at the same time a benefit of owning an annuity (without saying the word ‘annuity’). Note: This formula works with any product.

    For example, “HELLO, MRS. JONES? MY NAME IS _______, FROM THE _____ AGENCY DOWN THE STREET, AND I’VE BEEN TRYING TO REACH YOU BECAUSE I FIND THAT SOME OF MY RETIRED CLIENTS ARE PAYING INCOME TAXE

    Forex Trading - Is the Forex Market Random?
    It sure can seem like the forex market is random, can't it? And all the very smart people (who've never traded), in the universities tell us that they have proven that the market is random. Could they be wrong?Yes.Let's break this down. Who creates the market? Who is the market made up of? People just you and me. Yeah, that should be proof right there that the market is random. ;-)Seriously, are you random? If you're single, what kind of people do you date? What routes do you take to work? What kind of breakfast do you usually eat?It's actually repetitive, isn't it? When you think about it, you do many of the same things over and over. Sure, you may not do everything exactly the same all the time, but you're a creature of habit.You can't get away from it, even in your trading. All the others trading in the mar
    ng but your typical warm fuzzy, "How are you today?" Your statement must (1) make them sweat a little and (2) pose a problem which is at the same time a benefit of owning an annuity (without saying the word ‘annuity’). Note: This formula works with any product.

    For example, “HELLO, MRS. JONES? MY NAME IS _______, FROM THE _____ AGENCY DOWN THE STREET, AND I’VE BEEN TRYING TO REACH YOU BECAUSE I FIND THAT SOME OF MY RETIRED CLIENTS ARE PAYING INCOME TAXE

    Insurance Agents And Financial Planners: Do You Really Know Your Market?
    If you ask a group of agents or planners what they believe their market wants, they will rattle off their opinions with conviction. But if you ask them how they know, chances are they will say they have been in the business for a number of years, and they just know. The problem is, if these agents and planners really knew their market, they would have their agencies filled to the brim with prospects waiting to fill out applications.Knowing your market is an essential ingredient to the success of any insurance agent or financial planner. Knowing your market allows you to craft marketing messages and close sales faster and easier than anyone else in your field. Because if you really know your market, you know how to create desire for your financial products and services by addressing your clients core needs and wants and adapting them
    time a benefit of owning an annuity (without saying the word ‘annuity’). Note: This formula works with any product.

    For example, “HELLO, MRS. JONES? MY NAME IS _______, FROM THE _____ AGENCY DOWN THE STREET, AND I’VE BEEN TRYING TO REACH YOU BECAUSE I FIND THAT SOME OF MY RETIRED CLIENTS ARE PAYING INCOME TAXE

    Mastermind Do's and Don'ts
    Several years ago I was invited to participate in a mastermind group. I had never been involved in a mastermind group before, but I had read about them in Napoleon Hill's book, "Think and Grow Rich." So, I was eager to try the concept out.This particular group was comprised of five women and the focus was real estate investing. I met Kim, the woman who invited me to join the group, at a real estate investing seminar. I was a relatively new investor at the time and thought this was an opportunity to learn more about real estate investing, team up with other women who were investing, and jumpstart my real estate investing business, which is a business I run with my husband, in addition to my marketing consulting and coaching business.In theory the group should have helped jumpstart my fledgling real estate investing bus
    NAME IS _______, FROM THE _____ AGENCY DOWN THE STREET, AND I’VE BEEN TRYING TO REACH YOU BECAUSE I FIND THAT SOME OF MY RETIRED CLIENTS ARE PAYING INCOME TAXES ON THEIR SOCIAL SECURITY, AND THEY DON’T NEED TO. I’M A FINANCIAL ADVISOR IN THE AREA AND I CAN SHOW YOU HOW TO REDUCE OR ELIMINATE INCOME TAXES ON YOUR SOCIAL SECURITY. I’LL SPEND 10 TO 15 MINUTES WITH YOU UNLESS YOU KEEP ME LONGER. THERE’S NO CHARGE. I’VE GOT WEDNESDAY MORNING AT 10:00 AVAILABLE, OR WOULD 2:00 ON THURSDAY AFTERNOON BE BETTER FOR YOU?”

    Your prospect’s responsibility at this point is to say, “No thanks, I’m not interested,” or maybe something not so kindhearted. You’ve just interrupted her world. However, you’ll do much better at annuity appointment setting if you understand that a ‘No’ is simply a latent

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