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Final Expense Telemarketing Script

One of the most essential aspects of having a successful final expense lead generation campaign is creating a script which works. While many companies that provide telemarketing will have scripts on file its recommended that you create your own script, at least as a reference so you get the sales opportunities you want. The reasons for this are:

  • You will always know your business and clients better than the telemarketing organization you hire.
  • A script crafted for your particular offering will sound better than a generic script that prospects may have listened to from your competition.
  • You can make the script give you only the information you need and match your offering exactly.

While its vital that you have a script that works for you there are a variety strategies which you can use to enhance sales.

  • Keep it uncomplicated, let the customer know why you are calling as well as why they should care.
  • Do not waste their time, if it requires 6 words to get to a point don’t write 10.
  • Keep the aim of the call in mind when creating the script. If you are producing a lead or setting an appointment that should be the goal of the call. Nothing else should be included.

This is the basic format you can follow:

Hello, may I speak with XXX. My Name is NAME.

I’m calling from XXX Financial Company. I’m calling regarding a free quote on final expense insurance that we are providing people in the area.

Our plans can save you up to $xxxxxx dollars on your funeral expenses and any outstanding debts you may leave your family.

If the prospect asks: “what is final expense?”

Final Expense is mini life insurance that takes care of any outstanding expenses and burial costs that you leave behind. It keeps your family from getting stuck with the bills.

Rebuttals to common questions:

  • The plans are extremely affordable and we have the most competitive prices. We can even work with individuals on fixed incomes.
  • This will only take a couple minutes and can save you and your loved ones thousands of dollars!

I just need to get some basic information…

  • Verify name
  • Husband age, wife age
  • Do you smoke, does your wife/husband smoke?
  • Do you have any serious medical conditions?
  • Verify the address

Thanks so much for your time. I’ll have one of our specialists follow up with you and get you a quote on a final expense policy. Have a great day!

After you have your script completed it isn’t set in stone. It can call for some changes based on the telemarketer’s feedback to get things running smoothly after the calls start to be made. You will also want to come up with answers to questions that prospects may ask during the call.…

What Is the Profit Potential From a Snow Cone Business?

Anyone who has ever been in business for very long knows that the most important numbers are not gross profit, but profit margin. You’re better off with $5,000 in sales and $4,000 in net profit than you are if you make $100,000 in sales, but only $3,000 in net profit. This difference is profit margin, and the snow cone business has a great profit margin because of the low overhead per product.

What’s the Profit Margin Math?

The snow cone business has huge profit margins, and because of that many people who buy shaved ice stands find they can make their initial investment back in less than a month…and sometimes much sooner! For any given snow cone you have very low overhead. A paper cup might cost 5 cents each when you buy in bulk, napkins are just under a penny each, while plastic spoons might be one and a half cents each.

Even with the syrup costs added in, the numbers still look very good. Prices vary based on whether you make your syrup from concentrate or buy it pre-mixed, but even then prices might range from 15-30 cents a snow cone at most. Add all of that up, and even if you only charged a dollar for shaved ice and had no up sells, you’d still make 65-70{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} profit. Very few businesses can say that.

Imagine doing $200 of business in a few hours and knowing three fourths of that was going into your pocket, and that’s not including up sells, if you can charge more than a $1 for a snow cone, or if you find a good deal in bulk buying and save even more in costs.

There are always ways to trim the numbers, as well. You can figure out good up sell products, find a good sale and buy in bulk to take down overhead even more, or maybe your location allows you to have higher prices. There are always ways to figure out how to make your business much more profitable overall.

So How Much Can I Pocket?

So what is the profit potential of a snow cone business? It depends on the sales numbers you’re looking at in your area, the foot traffic, and what prices you can charge. But the huge potential of the business comes from the high profit margin. How much can you charge per snow cone?

Even if you can only charge $2 a snow cone, sell 100 in an hour at a little league game or 500 at a flea market, or even 1,000 during the day at a beach event and you’re looking at some really good days, especially when you’re pocketing well over 60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the money as net profit. There aren’t many businesses where you can count on pocketing a hundred or several hundred dollars in cash for a few hours of work just a week after starting.

If you’re in an area where incomes and average prices allow you to charge even more, …

Foreign Capital


International Economics or international business has two parts – International trade and International Capital. International capital (or international finance) studies the flow of capital across international financial markets, and the effects of these movements on exchange rates. International capital plays a crucial role in an open economy. In this era of liberalization and globalization, the flows of international capital (including intellectual capital) are diverse and diverse across countries. Finance and technology (eg internet) have gained more mobility as factors of production especially through the multinational corporations (MNCs). Foreign investments are increasing significantly even for the emerging economies like India. This is in-keeping with the trend of international economic integration. A Peter Drucker rightly says, "Increasingly world investment rather than world trade will be driving the international economy". Therefore, a study of international capital movements is much rewarding both theoretically and practically.

Meaning of International Capital
International capital flows are the financial side of international trade. Gross international capital flows = international credit flows + international debt flows. It is the acquisition or sale of assets, financial or real, across international barriers measured in the financial account of the balance of payments.

Types of International Capital
International capital flows have through direct and indirect channels. The main types of international capital are: (1) Foreign Direct Investment (2) Foreign Portfolio Investment (3) Official Flows, and (4) Commercial Loans. These are explained below.

Foreign Direct Investment
Foreign direct investment (FDI) refers to investment made by foreigner (s) in another country where the investor holds control over the investment, ie the investor obtains a lasting interest in an enterprise in another country. Most concretely, it may take the form of buying or constructing a factory in a foreign country or adding improvements to such a facility, in the form of property, plants, or equipment. Thus, FDI may take the form of a subsidiary or purchase of stocks of a foreign company or starting a joint venture abroad. The main feature of FDI is that 'investment' and 'management' go together. An investor's earnings on FDI take the form of profits such as dividends, retained earnings, management fees and royalty payments.

According to the United Nations Conference on Trade and Development (UNCTAD), the global expansion of FDI is currently being driven by over 64,000 transnational corporations with more than 800,000 foreign affiliates, generating 53 million jobs.

Various factors determine FDI – rate of return on foreign capital, risk, market size, economies of scale, product cycle, degree of competition, exchange rate mechanism / controls (eg restrictions on repatriations), tax and investment policies, trade polices and barriers If any) and so on.

The advantages of FDI are as follows.
1. It supplements the meagre domestic capital available for investment and helps set up productive enterprises.
2. It creates employment opportunities in diverse industries.
3. It boosts domestic production as it generally comes in a package – money, technology etc.
4. It increases world output.
5. It ensures rapid industrialization and modernisation especially through R & …

How to Start a Walking Business

Starting a hiking or walking tour business can be fairly simple, and it offers many benefits to business owners. You do not have to live near a National Park or tourist attraction to make this business work. In fact, there may be multiple hiking or walking business location opportunities right under your nose – and there may be virtually no competition!

There are also other benefits that a walking or hiking business provide, such as exercise, weight loss, social activity, animal watching or simply getting an escape from a daily routine. If any or all of these activities interest you, this may be your ideal career.

At first glance, a walking business might appear to have little opportunity with a small customer base. But think again. In a hiking business, you have opportunities to lead different types of one-day trips and even expand to week-long hiking adventures to remote locations. There is not just one target market, either. You can center your business around a certain level of hiker – from beginner to advanced. In addition, whiles some people enjoy occasional hiking trips, other hiking enthusiasts want to join a regular hiking club that meets weekly or several times a week.

Another factor to think about when you start your business is location. The sky is almost the limit. You can opt to conduct hikes or tours in one area, or you can add variety to your work schedule by exploring new areas. You can lead hiking or walking tours in cities, states or even countries. You may even want to package the hikes or walks as organized group trips – with travel and accommodations included.

As expected, the ideal person to operate a hiking or walking business enjoys the company of other people, meeting new people, spending time outdoors and exercising on a routine basis. When working with groups of people from different backgrounds, having patience and flexibility will make the job easier. If you like teaching, that is an added bonus.

Do not forget your competition. Are there other businesses in your area offering the same or similar service? Ideally, you want to lead hiking or walking tours where you do not have to worry about several other companies competing for the same customers. Less competition makes getting customers much easier.

If there is substantial competition with other hiking or walking groups nearby, consider differentiating your hikes or tours. Sometimes you can lessen or even eliminate competition simply by focusing on a different market like seniors, families with small children or people who want to lose weight.

When it comes to promoting your walks or hikes, you will use different marketing strategies depending upon whether your prospects are local or from out-of-town. Start by printing informational brochures and hiking schedules. Leave some at your city or county visitor center, chamber of commerce or parks and recreation office. City libraries, cafes and community colleges sometimes allow brochures and flyers to be displayed, and they usually attract lots of people …

Crude Oil Business – Why Most Facilitators Never Make It

There is no doubt crude oil business is a very lucrative business, you do not have to be rich to facilitate a deal. All you need is a genuine buyer and a genuine seller. It has become very difficult for buyers to meet genuine sellers and vice versa, this is due to the fact that there are many fraud perpetrators out there trying to leakage on the information they have to brisk money out of innocent buyers. This has increased the doubt of genuine buyers of Nigerian crude, it has forced them to think of every Nigerian who tries to facilitate a deal as a potential fraudster. When these foreign prospects try to negotiate a deal, they become stiff in their bargains and would rather want the seller to work with their own procedures. The issue of the seller putting forward a 2{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} performance bond first comes into play, the buyer would have the seller raise a bond first and the seller on the other hand would rather want the buyer to raise a proof of fund in the form of MT 799, Letter of Credit, Bank Guarantee, MT 103.

The facilitator plays a major role in negotiating a crude oil deal in the sense that he serves as the middle man. It is not easy being a facilitator, you need to have a convincing power, you have to be clear in your understanding of the business, and you should be able to give the seller mandate every bit of information needed whether via telephone or email. The reasons why most facilitators do not make it and get frustrated is not far fetched.

Long Chains: This is always a problem which limits most facilitators, when there are too many people standing as facilitators before the mandate, it posses a whole lot of problem in the sense that distribution of information is slow. A buyer might need a product and require information, but because the facilitator has to go through many hands before getting the information, it makes the buyer loose trust.

Commission splitting becomes a big problem as most of these facilitators are frustrated and motivated by greed, the issue of which group takes how much sets into play and they come to no reasonable conclusion leading to waste of time and resources. Some buyers do not like the issue of presenting an SPA with too many account details on it, they prefer only one paymaster; Since no deal because there are many groups involved in it and they all have different account details. The greed of facilitators make this business arduous, sometimes a facilitator may claim to be working with some other group of facilitators that do not exist. The account details which is supposedly meant for the other group they claim belong to them or some colleagues of the heads, this makes it tiring.

Another point to note is this, before you proceed on any deal; Ask your contact what he stands for (Facilitator or Mandate). If he …

Taking Over Or Starting A Trophy Business

Although the world is turning digital all around us there are some things that cannot really be replaced by a digital counterpart and the trophy retail business is an example of one such business. Trophies for sporting, academic and business excellence are a traditional constant in western society and they continue to be used just as they were in the past. People thinking of entering the trophy business need to build up or acquire a reliable client base consisting of academic organizations, sporting clubs and businesses, for which they provide and inscribe their annual or occasional awards.

The promotion of the business through advertising will help to build up the existing client base and attract new customers from the general public for items like christening mugs, 21st goblets and wedding and anniversary plaques. In the past trophy businesses offered simple plaques, medals and figurine trophies, but advancing technologies have allowed the introduction of innovative ideas for awards to include crystal, marble, glass, wood and composites, providing a wider range of options for customers and including environmentally friendly materials. There are some sidelines that you can include like display cases and a design service. You can have display cases built to customer’s specs, for single awards or for collections of awards. Desk awards, fashioned as business card holders or stationary caddies are examples of additional sidelines that can be marketed to the business world and also sold online. Always keep a good range of items on display in your shop for customers that need a trophy or award today.

Sporting clubs are one of the major purchasers of cups, trophies and plaques for awards so it is a good idea to contact all the local sporting clubs in your area when you take over your business, announcing that the business is now in new hands. Annual meetings with existing clients are recommended to keep up with changing trends, giving the opportunity for the business to show off new lines and advertise specials.

Every trophy business needs to have reliable suppliers, so you should conduct extensive research to find several wholesalers to supply the products you wish to market to your clientele. A wide range of choices is always attractive to prospective buyers whatever market you are catering for, so ensure that you locate wholesalers with quality merchandise and a reliable delivery service.

A trophy business usually includes an engraving and etching machine which is fully computerized and can handle a range of font styles and sizes and does not require special design skills. Available fonts and styles can be printed out on paper for display in the shop and in your brochures. A display of available trophies is also important both in catalog form and on the shelf examples. Trophies and plaques should be available in budget designs as well as higher quality designs so as to serve the needs of a range of budgets. Gold and silver plated products should always be available providing that high end quality choice.

Every …

Tony Robbins CANI! System Explained

“CANI” stands for Constant And Never-ending Improvement. It’s an acronym that Tony developed more than a decade ago and he was influenced by Dr. W. Edwards Deming. Dr. Deming is credited as one of the leaders who brought one of the first quality movements to the Japanese. His basic premise was that the secret to help the Japanese achieve world power and economic success was if every single person and organization commit to constant improvement.

The Japanese have a single word for “constant and never-ending improvement” and it’s called “Kaizen.” Kaizen is from the Japanese words Kai and Zen where “kai” means change and “zen” means good. Yes folks, change is good.

According to Robbins from his Lessons in Mastery series, he didn’t want to embrace the word “Kaizen” because it was a Japanese word and after-all, Dr. Deming was an “American…” therefore it was only proper to create an American word that meant the same as Kaizen. Transformational vocabulary is an important component to the tenets that Robbins teaches, so you can probably understand why Tony wanted to create a brand or a name for the association.

It is very easy to get caught up in your goals and desired end-outcomes…to the point of becoming overwhelmed. CANI offers a solution and a point of reference to focus your attention on. If all you did was improve one tiny aspect of your life every single day, you would achieve mastery in uncommon time.

Benefits of CANI include:

  • Creates a personal and business momentum that will be hard for your competitors to catch up with.
  • Personal satisfaction and fulfillment because it will cause you to grow personally.
  • Leads to innovation. Innovation creates leverage.

Tony Robbins once said, “We only learn our limits by going beyond them.” CANI! is a principle designed to encourage you to make small incremental improvements daily…and in doing so, you will be forced to find a way to go beyond your current set of self-imposed limitations.

Which areas of your life do you want to apply the principles of CANI! Today?

o Prosperity & Financial

o Family Relationships

o Friendship Building

o Health & Fitness

o Spirituality

o Recreation & Pleasure/Joy

o Education & Career Advancement

o Public Service/Volunteering

If you define your success as a “journey” rather than an end-destination, you can take comfort in the fact that personal growth and satisfaction can come from constant and never-ending improvement (CANI!).…

Operations Manual for Your Real Estate Business

In our last Atlanta Mastermind meeting, our main topic centered on creating an operations manual for our real estate business like the one described in the book "The E-Myth" by Michael Gerber. I know the first question you may be asking is "How in the heck can an Operations Manual help me in Real Estate"?

An operations manual is a method of writing down everything you do in your business in order to outline how your business operates. This is helpful in that ever you can delegate tasks to other business associates and they have a manual to go by. The goal of the manual is to streamline your real estate business methods and delegate to others so that you can move on to work on larger issues (think of a business model like McDonald's hamburgers and Domino's Pizza). This method will help you to free up tasks that you are not good at (or do not want to do) and increase profitability as you go out to look for new real estate deals. No matter how busy you are, this is one task that will dramatically improve your business production.

Here are the general steps we talked about in our mastermind meeting, to set up an operations manual for our businesses.

Step 1: Write down all the things you do in your real estate business.
1. Answer phone calls from prospective tenants
2. Coordinate repairs
3. Look for future real estate deals
4. Collect rent checks
5. Coordinate evictions
6. Pay bills
7. Drive around and check on properties
8. Place classified ads on http://www.craigslist.com/ and other publications
9. Show apartments to potential tenants.

Step 2: Break the list down into different categories.
1. Marketing
2. Property Management
3. Repairs
4. Accounting
5. Legal-Evictions
6. Find Deals

Step 3: Each of those categories gets its own page, and your job is to copy all of the activities from Step 1 under the appropriate category headings.
1. Marketing: order and put our "For Rent" signs, input listing into Craigslist.com, answer phone calls to potential renters and provide info, show apartments.
2. Property management: inspect apartments, check on recent repairs, etc.
3. Repeat

Step 4: Put the pages into a three ring binder with tabs for each category and a table of contents. This will be your new Operations Manual.

Step 5: Next go to the first tab and for each item under it create a new page with that "Action" as a heading.
1. Marketing
2. Property Management
3. Repairs
4. Accounting
5. Legal-Evictions
6. Find Deals

Step 6: Now, take each "action" page and detail exactly how you want each item done.
1. Marketing: order and put our "For Rent" signs, input listing into Craigslist.com, answer phone calls to potential renters and provide info, show apartments.
2. Repeat

Step 7: Add any forms, details, phone dialogues, or checklist that you may have to complete each action item.
The Operations Manual is one of the core building blocks for a …

The Essentials of Customer Service Skills in Today's Business Environment

Every thriving business today requires good customer service skills. It is important to keep existing customers as well as creating new ones. Customer service is the heart of the customers buying experience and businesses that provide great service to customers distinguishing them among the rest in this very competitive world.

This is the main reason why many successful companies make this an important element in their agenda. Many businesses go out of their way way and hire professionals with outstanding service oriented attitude to provide excellent customer service.

"What is a good customer service and why is it important?"

Firstly, let us go over the main qualities of a good customer service to help recognize the importance of these qualities.

Primarily, good customer service skills include sound knowledge of the product and company, a very good understanding of the spoken and written language, ability to listen to and understand a customer's request, problem solving skills, flexibility and professionalism.

  1. An effective way to provide good customer service satisfaction is a good sound knowledge of the company, its products and services. In order to effectively address customer needs, customer service people must know what they are talking about.
  2. Good communication skill is the lifeblood of the service industry. Responses whenever spoken or written should be free from any grammatical errors. A positive and upbeat tone is always helpful especially during first encounters with customers; This shows enthusiasm and confidence that a positive outcome will be expected in the end.
  3. Listening skills should be excellent for this will determine ones ability to provide the right response to client requests or query. Good listening skills helps in understanding the specifics of the problem and effectively gives the customer the feeling of being valued.
  4. Problem solving skills should be on top at all times during a customer client encounter. Customers seek customer service because they have a need that the company can provide and in order to keep the customer satisfied, being able to resolve their problems right away by asking the right questions is a sure-fire way to provide a solution.
  5. Flexibility means ability to adjust to situations. Each customer has different needs and flexibility skills means being able to address effectively the dynamics of every customer encounter.
  6. Professionalism shows when all these qualities are combined plus the right attitude and confidence to represent the company. Being courteous, respectful and friendly at all times whatever the situation is. Professionalism should be displayed not only towards customer but also towards team members, company and competitors.

Employees must understand that customers are the one bringing business into the company. They must understand that providing service does not only mean meeting the needs of the customers, but going over and above customer satisfaction. Going an extra-mile to provide excellent service will keep customers coming back.

Companies should provide excellent training consistently to their employees so they are up-to-date with modern work place practices to consistently deliver great customer service. Customer service skill-training methods ensure employees have proper …

The Strategies, Goal & Objectives of Business Conference Organisers

With a simple ‘click of a button’ you will have access to a large number of professional websites of Business Conference Organisers. Unlike a couple of decades ago, where you had to depend on telephones and ‘snail mail’ to find the right organiser for your event, today technology has brought this facility right up to your home or office. You have the opportunity to just sit by your PC and study all the features, rates, services etc. that these organisers offer, before deciding with whom you plan to hand over your assignment.

Most of the leading organisers of trade and consumer events excel in creating high profile, highly targeted business and consumer events which help to establish and maintain good business relationships and also generate new business avenues.

Some of the leading Business Conference Organisers handle events internationally – they conduct events in a number of leading countries, bringing great numbers of active event participants of the consumer world, together. These international organisations have their network of offices in many countries, and are every effective in handling any type of trade and consumer events of the business industry. They are also renowned in delivering and bringing together a large number of business contacts to these events which is a valuable feature in the world of consumerism.

Majority of the present day business conferences are combined with exhibitions. Exhibitions are influential, flexible and are a highly cost-effective business tool. They can be considered as a significant wealth generator in their own way. In established economies, exhibitions are a vital part of the marketing mix, alongside with direct selling, advertising, direct mail and the Internet. Business Conference Organisers recommend the combination of exhibitions as they are a major stimulus in the new and emerging markets for industrial and commercial development. Given below are a few reasons:

– Driving industrial development and technology transfer

– Boosting regional and national industry

– To motivate and improve foreign investment in industry and infrastructure

An exhibition will also have a major impact on local and national economies:

– It generates direct spending on local hotels, restaurants, transport etc.

– Creates employment opportunities – directly in convention centres, hotels, restaurants etc. and indirectly assists in the development of small and medium enterprises

– It help increase the city/regional profile

Business Conference Organisers feel that exhibitions are one of the most effective mediums to establish and maintain customer relations.

Here are some common reasons for attending exhibitions:

  • To consolidate business relationships
  • To solve specific problems
  • To find new markets
  • To appoint agents/seek principals
  • To discuss specific terms/conditions/pricing
  • To obtain technical knowledge
  • To discuss business needs in an unbiased environment

These renowned conference organisers tend to project their objectives beyond the organisation of trade shows and conferences. Their role is more likely to a relationship broker – identifying, targeting, attracting and matching the needs of buyers and suppliers. The main objective of Business Conference Organisers is to maximise business and networking opportunities through the organisation of conferences and events.…