At best, periods are seen as a monthly inconvenience for most women. It's true that menstruation is often accompanied by painful cramps or mood swings, yet this entirely natural, healthy process suffers from unnaturally negative associations in modern society. These squeamish, almost superstitious attitudes seem to be cultivated by the so-called feminine hygiene industry which claims to serve women during their periods.
<br>
<br>Tampon companies have a vested interest in maintaining long held cultural perceptions of menstruation as dirty or something requiring protection. This means they can keep selling disposable sanitary products (note the word sanitary which implies the need to take precautions against dirt, infection or disease, as if menstrual blood was some kind of bio-hazard !) Tampons and pads are always bleached white which adds to the sterile image. Blood is even bizarrely replaced by a blue liquid during TV commercials. And of course, the big hook with commercial pads and tampons is that they have to be bought each month, then thrown away after a single use, increasing profits while perpetuating the notion that menstrual blood is something that must be sanitized and disposed of untouched.
<br>
<br>The other subtle yet powerful message is that your period is embarrassing and shameful . Adverts often use words like 'discreet' or claim that no-one will ever know you have your period. Sometimes tampon boxes and wrappers have neutral designs in order to disguise their contents. While women usually have no trouble discussing menstruation amongst their close female friends - most would never mention it to an acquaintance, and would be horrified if a tampon box or pad happened to spill out of their handbag in public. This programming starts early when a girl first menstruates in her early teens. Formal sex education in schools is often accompanied by free samples and commercial pamphlets with the same vaguely negative messages. Teenagers tend to be self conscious about the changes in their body during puberty, so it is easy to add menstruation to the long list of things for girls to be anxious or ashamed about - and unfortunately this shame often persists unquestioned into adulthood.
<br>
<br>If you want to start rejecting these attitudes and the industry which fuels them, there are several alternatives to commercial pads and tampons. Tampons made from non-bleached cotton are available for those with allergies, eczema or prone to irritation caused by bleaches in tampons. Another option is to use washable cloth pads, which is actually what women have always used historically anyway. Some women use reusable menstrual cups such as the Diva Cup, Mooncup or The Keeper. They are soft cups usually made from medical grade silicone that sit inside the vagina and collects the blood. They are then emptied, washed and reinserted. Sea sponges are also used as tampon alternatives as they are very absorbent and sit inside the vagina. The difference with sea sponges is that they are entirely natural and, like the menstrual cup they can be rinsed and re-inserted.
<br>
<br>Some of these alternative menstrual products mean you need to become more comfortable with your vagina and more familiar with its processes and unique rhythms. The fact is - menstruation is not dirty or unhygienic, or shameful or weird. It's a wonderful sign that your body is working - something you'll never hear on a tampon ad.
<br>
<br>About the Author: Lydia Clark is a writer with a particular interest in female health and wellbeing. You can read more about the <a href="http://www.mooncuponline.com/" rel="nofollow">Mooncup</a> Menstrual Cup by clicking the link.
<br>
วันจันทร์ที่ 17 สิงหาคม พ.ศ. 2552
Time Keeps on Ticking - What's a Day of New Product Delay Costing You?
<p>Companies that try to improve return on new product investment by managing project expenses are pulling the wrong lever. I'm not saying cost isn't important. But once staffed, project cost is largely driven by the length of time the project team takes to finish. Managing project completion dates is a much stronger lever for controlling the cost side of the equation. As an added benefit, that lever creates tremendous impact on the revenue side. </p><p>Let me share a jaw dropping discussion that I had with a mid-size business last week. We were discussing their innovation bottleneck which was getting projects through development on time. One project was more than six months late, so I asked if they knew what the extra development time was costing them. </p><p>"Well the project costs could easily end up double what we anticipated," the COO told me. "But that's not my biggest concern." He then explained that a competitor had recently released a new feature and had taken almost 20% market share. They needed the project just to catch up in the marketplace. Even if they could only regain half of the loss, every day of delay was costing them nearly $50,000 in lost sales: quite a hit for a mid-sized company. </p><p><b>Delivering the project late was not only impacting the project costs but the revenues too. </b>When he shared this information, his project leader was stunned. If only she had known! She would have prioritized differently. She would have put lower priority projects on the back burner. She wouldn't have allowed new product perfection to get in the way of good enough. </p><p><b>So, is there anything you can do to help your teams deliver projects in less time? </b>Here are a few strategies that can have a big impact:
<br><ol>
<li><b>Limit multi-tasking</b> - I say this every time, but only because it's so harmful to productivity. People stretched across too many projects are less productive, but even worse the quality of work suffers and waiting delays use up the project buffer unnecessarily.</li>
<li><b>Conduct comprehensive project planning - </b>Have your team evaluate potential obstacles and develop plans that includes early verification of technical, manufacturing, and commercial feasibility. This planning requires full participation from supply chain all the way to marketing.</li>
<li><b>Inform project teams</b> - Everyone on or supporting the team should know how much each day of delay affects the company in both higher costs and lost revenue. Align incentives correctly and peer pressure will make the team much less likely to accept unnecessary delays.</li>
<li><b>Freeze product requirements before design starts - </b>Nothing delays a project like adding new features and design requirements during development. One consumer products company had a project, originally estimated to take a year, which was passing the three-year mark. I found that well-meaning executives were continuing to suggest changes well into the design stage, which the project manager felt compelled to include. Innovators need to treat project schedules like train schedules. Railroads don't call the train back to add new passengers; they put them on the next train.</li>
<li><b>Employ critical chain project planning techniques </b>- Ask how quickly someone can complete a task if everything goes perfectly and they might say 1 week. Ask how long it would take to complete the same task with a very high degree of certainty (95% or more), and they will normally double their original estimate. The difference between the two is the task safety buffer. If a student knows that they have two weeks to finish a task that takes one day, many only start the day before the assignment is due. Because of this "student syndrome", individual tasks rarely finish in any less than the time allotted. Since this consumes the safety buffer at each step, any unforeseen problems result in project delays. Critical Chain Project Management (CCPM) attacks this problem by estimating each task length at both a high degree of certainty and at the shortest possible time (50% certainty). The project plan uses the shortest time as the planned task time and adds a shared safety buffer that replaces the task buffers. The difference is that the project buffer only needs to be half the size of the task buffers since tasks start as soon as possible and sharing reduces the overall variance. By definition, CCPM accepts that half of the tasks will take longer than planned. So the buffer still gets used, but on its intended purpose of unexpected delays and problems: not on unnecessary waiting and procrastination. As a result, companies implementing CCPM usually reduce project completion time and cost estimates by 25% or more and achieve on-time completion rates of 98% or better. </li>
</ol></p><p><b>The More Impact Bottom Line - </b>Project delays are a major drain on new product return on investment, and they have the added impact of driving up costs while also delaying new product revenues. If getting new products through development is holding your company back, these five strategies can help eliminate the constraints that are preventing you from delivering more impact.</p><p>Mike Dalton's Guided Innovation Group helps companies that are struggling to get more impact from their new product innovation investment. Clients using the Guided Innovation System for continuous innovation improvement see more growth impact from their new products in less time.</p><p>If this article has interested you, you can download our free report on continuous innovation improvement at <a target="_new" href="http://www.guidedinnovation.com/5steps" rel="nofollow">http://www.guidedinnovation.com/5steps</a>.</p><p>Copyright 2009. Guided Innovation Group, LLC and Michael A. Dalton.</p>
<br><ol>
<li><b>Limit multi-tasking</b> - I say this every time, but only because it's so harmful to productivity. People stretched across too many projects are less productive, but even worse the quality of work suffers and waiting delays use up the project buffer unnecessarily.</li>
<li><b>Conduct comprehensive project planning - </b>Have your team evaluate potential obstacles and develop plans that includes early verification of technical, manufacturing, and commercial feasibility. This planning requires full participation from supply chain all the way to marketing.</li>
<li><b>Inform project teams</b> - Everyone on or supporting the team should know how much each day of delay affects the company in both higher costs and lost revenue. Align incentives correctly and peer pressure will make the team much less likely to accept unnecessary delays.</li>
<li><b>Freeze product requirements before design starts - </b>Nothing delays a project like adding new features and design requirements during development. One consumer products company had a project, originally estimated to take a year, which was passing the three-year mark. I found that well-meaning executives were continuing to suggest changes well into the design stage, which the project manager felt compelled to include. Innovators need to treat project schedules like train schedules. Railroads don't call the train back to add new passengers; they put them on the next train.</li>
<li><b>Employ critical chain project planning techniques </b>- Ask how quickly someone can complete a task if everything goes perfectly and they might say 1 week. Ask how long it would take to complete the same task with a very high degree of certainty (95% or more), and they will normally double their original estimate. The difference between the two is the task safety buffer. If a student knows that they have two weeks to finish a task that takes one day, many only start the day before the assignment is due. Because of this "student syndrome", individual tasks rarely finish in any less than the time allotted. Since this consumes the safety buffer at each step, any unforeseen problems result in project delays. Critical Chain Project Management (CCPM) attacks this problem by estimating each task length at both a high degree of certainty and at the shortest possible time (50% certainty). The project plan uses the shortest time as the planned task time and adds a shared safety buffer that replaces the task buffers. The difference is that the project buffer only needs to be half the size of the task buffers since tasks start as soon as possible and sharing reduces the overall variance. By definition, CCPM accepts that half of the tasks will take longer than planned. So the buffer still gets used, but on its intended purpose of unexpected delays and problems: not on unnecessary waiting and procrastination. As a result, companies implementing CCPM usually reduce project completion time and cost estimates by 25% or more and achieve on-time completion rates of 98% or better. </li>
</ol></p><p><b>The More Impact Bottom Line - </b>Project delays are a major drain on new product return on investment, and they have the added impact of driving up costs while also delaying new product revenues. If getting new products through development is holding your company back, these five strategies can help eliminate the constraints that are preventing you from delivering more impact.</p><p>Mike Dalton's Guided Innovation Group helps companies that are struggling to get more impact from their new product innovation investment. Clients using the Guided Innovation System for continuous innovation improvement see more growth impact from their new products in less time.</p><p>If this article has interested you, you can download our free report on continuous innovation improvement at <a target="_new" href="http://www.guidedinnovation.com/5steps" rel="nofollow">http://www.guidedinnovation.com/5steps</a>.</p><p>Copyright 2009. Guided Innovation Group, LLC and Michael A. Dalton.</p>
วันเสาร์ที่ 15 สิงหาคม พ.ศ. 2552
Want to Know About Other Health and Medical Equipment Financing Options?
Medicine as a science has advanced to far realms in the world of today. With the progress in the theoretical and practical aspects of the discipline, the need and demand for more and newer medical equipment is on the rise. Medical equipment includes all equipment that is required in the medical field by doctors and other health professionals. Operating tables, surgical tools, oxygen tanks are just a few items under the umbrella of the broader category of medical equipment.
<br>
<br>There are some equipment such as dermatological laser equipment, optometry equipment and so on, which do not belong to the category of general medical equipment. These are simply referred to as other medical equipment. These are as important as general medical equipment, and come with price tags that are quite hefty. As a result, most general health practitioners and health care professionals look for financing when it comes to purchasing other medical equipment.
<br>
<br>Businesses related to commercial leasing of equipment have grown spectacularly in the last few years. There has been considerable development in this sector and companies are leasing out medical equipment for long and short term periods. What you get depends on the contract with the company you have chosen.
<br>
<br>o Commercial equipment financing, as an industry, has seen vast changes over the last decade or so. Many are trying to carve out a niche for themselves, but given the extremely tough competition, this is not an easy accomplishment. Nanotechnology financing and turbine financing are two of the most well known and popular concepts that are catching on.
<br>
<br>o Companies are catering especially to dental equipment lease. Medical equipment loans have made it simpler for health care institutions to get equipment. This is a multi-billion dollar industry and more and more companies are stepping in each day, to make the acquisition of medical equipment easy for the health care field.
<br>
<br>o Even if banks refuse your application for a loan to get medical equipment, you have plenty of other options. You get truck financing, crane loans, turning centers, loan programs, construction equipment, and much, much more.
<br>
<br>o It doesn't matter what you are trying to get the loan for. With equipment financing, small companies get a wide margin of advantage. Capital upfront is minimized. Leasing is a way of fighting against inflation. If you are not looking for perfect equipment, leasing is the best bet you have got.
<br>
<br>Other medical equipment is vital for the medical field, speaking broadly. Most health care professionals cannot afford them personally, because of mounting costs. Some financing corporations will lease them out to you, and this procedure is dependable. Since there is understanding on their part, you will gain immediate assistance, both financial and legal. Interest rates are well below market rates. You can repay the loan in monthly installments. You can even apply for the loan online. You will get it disbursed right in the comfort of your own home. And there you have it: health and medical equipment financing pptions to help your business.
<br>
<br>About the Author: Chris Fletcher's page features more about new and used <a href="http://www.crestcapital.com/Catalog/Health_and_Medical_Equipment_Financing" rel="nofollow">Medical Equipment Financing</a> and other finance topics. Visit him at: <a href="http://www.crestcapital.com/Catalog" rel="nofollow">http://www.crestcapital.com/Catalog</a> - - free instant quote & web calculator!
<br>
<br>
<br>There are some equipment such as dermatological laser equipment, optometry equipment and so on, which do not belong to the category of general medical equipment. These are simply referred to as other medical equipment. These are as important as general medical equipment, and come with price tags that are quite hefty. As a result, most general health practitioners and health care professionals look for financing when it comes to purchasing other medical equipment.
<br>
<br>Businesses related to commercial leasing of equipment have grown spectacularly in the last few years. There has been considerable development in this sector and companies are leasing out medical equipment for long and short term periods. What you get depends on the contract with the company you have chosen.
<br>
<br>o Commercial equipment financing, as an industry, has seen vast changes over the last decade or so. Many are trying to carve out a niche for themselves, but given the extremely tough competition, this is not an easy accomplishment. Nanotechnology financing and turbine financing are two of the most well known and popular concepts that are catching on.
<br>
<br>o Companies are catering especially to dental equipment lease. Medical equipment loans have made it simpler for health care institutions to get equipment. This is a multi-billion dollar industry and more and more companies are stepping in each day, to make the acquisition of medical equipment easy for the health care field.
<br>
<br>o Even if banks refuse your application for a loan to get medical equipment, you have plenty of other options. You get truck financing, crane loans, turning centers, loan programs, construction equipment, and much, much more.
<br>
<br>o It doesn't matter what you are trying to get the loan for. With equipment financing, small companies get a wide margin of advantage. Capital upfront is minimized. Leasing is a way of fighting against inflation. If you are not looking for perfect equipment, leasing is the best bet you have got.
<br>
<br>Other medical equipment is vital for the medical field, speaking broadly. Most health care professionals cannot afford them personally, because of mounting costs. Some financing corporations will lease them out to you, and this procedure is dependable. Since there is understanding on their part, you will gain immediate assistance, both financial and legal. Interest rates are well below market rates. You can repay the loan in monthly installments. You can even apply for the loan online. You will get it disbursed right in the comfort of your own home. And there you have it: health and medical equipment financing pptions to help your business.
<br>
<br>About the Author: Chris Fletcher's page features more about new and used <a href="http://www.crestcapital.com/Catalog/Health_and_Medical_Equipment_Financing" rel="nofollow">Medical Equipment Financing</a> and other finance topics. Visit him at: <a href="http://www.crestcapital.com/Catalog" rel="nofollow">http://www.crestcapital.com/Catalog</a> - - free instant quote & web calculator!
<br>
วันศุกร์ที่ 14 สิงหาคม พ.ศ. 2552
Real Estate Scripts - Potential Seller Objections
<p><b>They say:</b>"I am going to try to sell it myself."<br />
<br /><b>You say:</b>"I am just curious, how do you plan on marketing your home?" "…representing the buyer?" "…responding to buyer leads?" "…being available for buyer showings?" (seller response) "If you had a proven plan for selling your home at top market value, would you be interested in using it?"</p><br />
<p><b>They say:</b>"I am not going to give my house away."<br />
<br /><b>You say:</b>"Good! I prefer to work with sellers who believe in the market facts and are willing to negotiate from a position of equity and strength. When would you have time to get together?"</p><br />
<p><b>They say:</b>"It is not a good time to sell."<br />
<br /><b>You say:</b>"I know that it is almost counter-intuitive; the supply and demand ratio indicates that this is a good time to be on the market. We are at a _____ month low in ‘homes for sale' inventory. The demand remains high due to the low interest rates, the tax credit and the declining number of foreclosures available. Do you have time to meet this weekend?"</p><br />
<p><b>They say:</b>"I am going to talk with other realtors."<br />
<br /><b>You say:</b>"That's fine. Help me understand. What is it that other realtors will provide you that we have not discussed?" (seller response) "Would tomorrow morning work for us to review the differences between my plan to sell your home and my competitor's ideas?"</p><br />
<p><b>They say:</b>"We have to do several things prior to listing our home."<br />
<br /><b>You say:</b>"The two big steps in getting your home on the market are meeting with a realtor and preparing the house for the market. Would you be able to meet tomorrow during the day or in the evening to discuss them?"</p><br />
<p><b>They say:</b>"We are waiting for the neighbor's home to sell before we go on the market."<br />
<br /><b>You say:</b>"What could possibly be more convenient to potential buyers than having two homes in the same neighborhood available at the same time? I am going to preview your neighbor's home, would you like to join me?" (seller response) "Would you have time to meet at your home after our preview?"</p><br />
<p><b>They say:</b>"Yeah, but my home has <i>(seller's exceptional home feature)</i>."<br />
<br /><b>You say:</b>"If both properties are equal except <i>(seller's exceptional home feature)</i>, and both homes are priced the same, then your home will be the first to sell. Can you meet tonight?"</p><br />
<p><b>They say:</b>"I know most people don't like busy streets, but we think it is a real advantage to be so conveniently located."<br />
<br /><b>You say:</b>"Location is always a factor for potential buyers, and we will secure feedback from every buyer who views your home. When is better for you to meet, Monday or Tuesday evening?"</p><br />
<p><b>They say:</b>"I want to sleep on it."<br />
<br /><b>You say:</b>"That sounds good. I will call you in the morning to see if you are ready to put your home on the market. Do you have any other questions on the selling process? (seller response) "Do you have any other selling concerns I can assist you with?"</p><br />
<p><b>They say:</b>"I have a friend who may be interested in purchasing the home."<br />
<br /><b>You say:</b>"Great! We can make your friend a ‘timed-exclusion' to the listing contract and not miss any valuable market time. That way you know you are getting top dollar in today's market either way. Can you meet tonight?"</p><br />
<p><b>They say:</b>"I want to fix a few things first."<br />
<br /><b>You say:</b>"If you do not mind, I would like to review your list with you. Just to make sure the items you are doing will ‘help' the sale of your home and be worth your investment. Would you have time to meet tomorrow afternoon or evening?"</p><br />
<p><b>They say:</b>"I am too busy with the holidays coming up."<br />
<br /><b>You say:</b>"I understand the extra effort the holidays take. However, what we have found with the holidays is that homes look and show their best when they have received that extra holiday touch. When do you expect to be ready for the holidays?" (seller response) "How would the next day work for us to meet?"</p><br />
<p><b>They say:</b>"I heard that there are companies that will put my home on the MLS for a small fee."<br />
<br /><b>You say:</b>"This is true. What marketing and services do they provide?" (seller response) "I took a few notes, are you available tonight to compare those notes to our marketing and service plan?"</p><br />
<p><b>They say:</b>"We want to think it over."<br />
<br /><b>You say:</b>"You're right. This is a huge decision. However, if you are ready to list your home, we can do the paperwork and I will hold it until you are ready to go on the market. This gives me the opportunity to prepare the ads, flyers, recordings, and home show." (seller response) "Is there something specific holding you back? How can I assist you with your decision?"</p><br />
<p><b>They say:</b>"I don't want to sign a long contract."<br />
<br /><b>You say:</b>"Ok. I will simply work with you as a temporary listing client rather than a full client. It will not impact the representation you receive or the marketing efforts. It only restricts us for the ads your home will be eligible for. It's your decision. When are you available to meet?"</p><br />
<p><b>They say:</b>"If I can not get $xxx,xxx, I cannot sell."<br />
<br /><b>You say:</b>"Ok. I'm curious, if I brought you an offer that was 95% of that amount, how would you proceed?" (seller response) "If I could get you top dollar for your home in the next 30 days, would you list today?" (seller response) "Can you meet this evening to review our plan?"</p><br />
<p><br />
<b>The Key to Successful Responses</b><br /><br />
When responding to potential seller objections, it is not a matter of being through, accurate or adding value. Rather it is important to acknowledge the seller's concern(s) AND <b>close for the appointment</b>. Only the best closers (successful realtors) completely understand that over 90% of the public does business with the first vendor of service they meet <i>eye-to-eye</i>. Once you have the appointment set, you will have the opportunity to clarify and reveal seller motivation. The bottom line result is more appointments equal more listings equal more satisfied clients.<br /><br />
</p><p><br />
<b>The Next Step</b><br /><br />
Of course, if you set an appointment YOU must have a PLAN. If 90% of being successful is being there, then the remaining 10% is what you do once you are there. Think it through, do you homework, and make sure you are prepared. Nothing adds to a confident presentation than being prepared and rehearsed.</p> <br /><br />
<div>
<strong>Author's Bio</strong> <br />
<a href="http://www.coachcheri.com/" target="_blank" rel="nofollow">Coach Cheri Alguire</a> has coached over a thousand Realtors on scripts and other skills needed to take their business to a new level of success. For more information on her real estate coaching program, check out <a href="http://www.ProRealEstateCoach.com" target="_blank" rel="nofollow">www.ProRealEstateCoach.com</a> or <a href="http://www.RealEstateBusinessResources.com" target="_blank" rel="nofollow">www.RealEstateBusinessResources.com</a> </div>
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<br /><b>You say:</b>"I am just curious, how do you plan on marketing your home?" "…representing the buyer?" "…responding to buyer leads?" "…being available for buyer showings?" (seller response) "If you had a proven plan for selling your home at top market value, would you be interested in using it?"</p><br />
<p><b>They say:</b>"I am not going to give my house away."<br />
<br /><b>You say:</b>"Good! I prefer to work with sellers who believe in the market facts and are willing to negotiate from a position of equity and strength. When would you have time to get together?"</p><br />
<p><b>They say:</b>"It is not a good time to sell."<br />
<br /><b>You say:</b>"I know that it is almost counter-intuitive; the supply and demand ratio indicates that this is a good time to be on the market. We are at a _____ month low in ‘homes for sale' inventory. The demand remains high due to the low interest rates, the tax credit and the declining number of foreclosures available. Do you have time to meet this weekend?"</p><br />
<p><b>They say:</b>"I am going to talk with other realtors."<br />
<br /><b>You say:</b>"That's fine. Help me understand. What is it that other realtors will provide you that we have not discussed?" (seller response) "Would tomorrow morning work for us to review the differences between my plan to sell your home and my competitor's ideas?"</p><br />
<p><b>They say:</b>"We have to do several things prior to listing our home."<br />
<br /><b>You say:</b>"The two big steps in getting your home on the market are meeting with a realtor and preparing the house for the market. Would you be able to meet tomorrow during the day or in the evening to discuss them?"</p><br />
<p><b>They say:</b>"We are waiting for the neighbor's home to sell before we go on the market."<br />
<br /><b>You say:</b>"What could possibly be more convenient to potential buyers than having two homes in the same neighborhood available at the same time? I am going to preview your neighbor's home, would you like to join me?" (seller response) "Would you have time to meet at your home after our preview?"</p><br />
<p><b>They say:</b>"Yeah, but my home has <i>(seller's exceptional home feature)</i>."<br />
<br /><b>You say:</b>"If both properties are equal except <i>(seller's exceptional home feature)</i>, and both homes are priced the same, then your home will be the first to sell. Can you meet tonight?"</p><br />
<p><b>They say:</b>"I know most people don't like busy streets, but we think it is a real advantage to be so conveniently located."<br />
<br /><b>You say:</b>"Location is always a factor for potential buyers, and we will secure feedback from every buyer who views your home. When is better for you to meet, Monday or Tuesday evening?"</p><br />
<p><b>They say:</b>"I want to sleep on it."<br />
<br /><b>You say:</b>"That sounds good. I will call you in the morning to see if you are ready to put your home on the market. Do you have any other questions on the selling process? (seller response) "Do you have any other selling concerns I can assist you with?"</p><br />
<p><b>They say:</b>"I have a friend who may be interested in purchasing the home."<br />
<br /><b>You say:</b>"Great! We can make your friend a ‘timed-exclusion' to the listing contract and not miss any valuable market time. That way you know you are getting top dollar in today's market either way. Can you meet tonight?"</p><br />
<p><b>They say:</b>"I want to fix a few things first."<br />
<br /><b>You say:</b>"If you do not mind, I would like to review your list with you. Just to make sure the items you are doing will ‘help' the sale of your home and be worth your investment. Would you have time to meet tomorrow afternoon or evening?"</p><br />
<p><b>They say:</b>"I am too busy with the holidays coming up."<br />
<br /><b>You say:</b>"I understand the extra effort the holidays take. However, what we have found with the holidays is that homes look and show their best when they have received that extra holiday touch. When do you expect to be ready for the holidays?" (seller response) "How would the next day work for us to meet?"</p><br />
<p><b>They say:</b>"I heard that there are companies that will put my home on the MLS for a small fee."<br />
<br /><b>You say:</b>"This is true. What marketing and services do they provide?" (seller response) "I took a few notes, are you available tonight to compare those notes to our marketing and service plan?"</p><br />
<p><b>They say:</b>"We want to think it over."<br />
<br /><b>You say:</b>"You're right. This is a huge decision. However, if you are ready to list your home, we can do the paperwork and I will hold it until you are ready to go on the market. This gives me the opportunity to prepare the ads, flyers, recordings, and home show." (seller response) "Is there something specific holding you back? How can I assist you with your decision?"</p><br />
<p><b>They say:</b>"I don't want to sign a long contract."<br />
<br /><b>You say:</b>"Ok. I will simply work with you as a temporary listing client rather than a full client. It will not impact the representation you receive or the marketing efforts. It only restricts us for the ads your home will be eligible for. It's your decision. When are you available to meet?"</p><br />
<p><b>They say:</b>"If I can not get $xxx,xxx, I cannot sell."<br />
<br /><b>You say:</b>"Ok. I'm curious, if I brought you an offer that was 95% of that amount, how would you proceed?" (seller response) "If I could get you top dollar for your home in the next 30 days, would you list today?" (seller response) "Can you meet this evening to review our plan?"</p><br />
<p><br />
<b>The Key to Successful Responses</b><br /><br />
When responding to potential seller objections, it is not a matter of being through, accurate or adding value. Rather it is important to acknowledge the seller's concern(s) AND <b>close for the appointment</b>. Only the best closers (successful realtors) completely understand that over 90% of the public does business with the first vendor of service they meet <i>eye-to-eye</i>. Once you have the appointment set, you will have the opportunity to clarify and reveal seller motivation. The bottom line result is more appointments equal more listings equal more satisfied clients.<br /><br />
</p><p><br />
<b>The Next Step</b><br /><br />
Of course, if you set an appointment YOU must have a PLAN. If 90% of being successful is being there, then the remaining 10% is what you do once you are there. Think it through, do you homework, and make sure you are prepared. Nothing adds to a confident presentation than being prepared and rehearsed.</p> <br /><br />
<div>
<strong>Author's Bio</strong> <br />
<a href="http://www.coachcheri.com/" target="_blank" rel="nofollow">Coach Cheri Alguire</a> has coached over a thousand Realtors on scripts and other skills needed to take their business to a new level of success. For more information on her real estate coaching program, check out <a href="http://www.ProRealEstateCoach.com" target="_blank" rel="nofollow">www.ProRealEstateCoach.com</a> or <a href="http://www.RealEstateBusinessResources.com" target="_blank" rel="nofollow">www.RealEstateBusinessResources.com</a> </div>
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วันพุธที่ 12 สิงหาคม พ.ศ. 2552
Ecommerce - The Way Of The Future
<p>For many companies, ecommerce is the way of the future. By definition, ecommerce means buying or selling services or goods over the internet. The first ecommerce sites came to life in 1994, and the industry has grown exponentially since then. Now, there are even businesses that operate solely on the web. <p> Over the past 15 years, internet commerce has boomed. A large percentage of sales focus on purchases that are not tangible. In other words, buying access to a premium website or purchasing online games. Online retail is also a major component of ecommerce. This allows consumers to purchase items normally bought at a brick-and-mortar store right from the comfort of their computer. Items are then delivered in a relatively short period of time, depending on the ecommerce organization. <p> Some ecommerce takes place directly between businesses. This is called Business to Business or B2B commerce. However, most ecommerce is focused on consumer relations. In general, ecommerce is considered to be only one part of the electronic business world. Some ecommerce participants are businesses that have real stores while others participate in ebusiness solely online. <p> Ecommerce is made possible by a wide array of technological innovations. One of these is the ability to create secure online servers. This means that credit card information and other payment choices can be transmitted safely via the internet. <p> Ultimately, ecommerce is the way of the future. It combines traditional business models with new technology to make purchasing products and services much easier than ever before.Learn about <a href="http://tinyurl.com/lxasdl">Average Ecommerce Conversion Rates</a> and how to <a href="http://www.rypmarketing.com/conversion-optimization.html">optimize conversion rates</a> at http://www.rypmarketing.com/conversion-optimization.html <p> <p></p>
วันอังคารที่ 11 สิงหาคม พ.ศ. 2552
Transit of Saturn Vis-a-Vis Effects of Saturn's Mahadasha | ArticlesBase.com
<p>Saturn shall transit Leo for the month of Nov 2007. Leo is the sign owned and ruled by the Sun. Though Saturn is the son of Sun but astrologically they have come to stay as enemies. Hence, the period of Saturn transiting Leo cannot be good in any manner - of course subject to the strength of other planets including that of Jupiter- which changes the position on 22.11.2007 i.e. by entering into Sagittarius.<br /><br />Saturn is at 2.31 degrees in Leo and would transit only few degrees till end of this month i.e. upto 14.15 degrees in Leo. In other words, Saturn shall transit 4th 'charan' of Magha (ruled by Ketu) and 1st 'charan' of Poorvaphalguni ruled by Venus. Saturn is already in the grip of Rahu and Ketu. In view of malefic influence of Saturn and associates, maelfic results shall be reaped by all unless personal horoscope is improved. Saturn shall aspect Sun upto 17-11-07.<br /><br />Briefly, it is stated that natives shall have to work very hard, at times may become obstinate but sincere to the prestige of boss. Good income from vehicles, land and buildings indicated.<br /><br />Children may suffer from physical ailments including retarded or "defective brainâ€. Some of them may suffer from paralysis or fainting fits. Hence the need to have medical help. Now in brief about Saturn’s Mahadasha.<br /><br /><strong>More information about Saturn - Propitiation of Saturn<br /></strong><br />Saturn posted in the 6th, 8th or 12th from the major dasa lord Mercury or the Janrna lagna, or Saturn being combust, retrograde, debilitated or afflicted by malefics, Saturn as the 2nd or 7th lord, Saturn as the lord of the 3rd, 5th or 7th star (from Janma Nakshatra) or the 22nd Drekkana needs to be propitiated.<br /><br /><strong>Worship Lord Vishnu and Lord Shiva.</strong><br /><br /><strong>Recite "Om Nama Narayanaya" and "Om Namah Shivaya" 108 times daily.</strong><br /><br /><strong>Feed crows, birds, fish, dogs, and beggars on Saturdays. Help the poor, sick and handicapped persons.</strong><br /><br /><strong>Natives born in Taurus, Libra, Capricorn, Aquarius, Gemini and Virgo Signs and also natives born in Pushya, Anuradha and U.Bhadra may wear Turquoise. Natives born in other six Signs may wear Red Coral subject to their personal Horoscopes and placement of Mars.</strong><br /><br /><strong><u>SATURN’S MAHA DASA-19 YEARS</u></strong><br /><br /><strong><em>Saturn in:<br /></em></strong></p> <em><strong>Aries</strong></em> - The worst period in a man’s career, unexpected losses, disappointments in every undertaking, misunderstandings among relatives and friends and increase in number of enemies.<br /><br /><strong>Taurus</strong> - Success and gains in agricultural operations, much prosperity to the cattle and other domestic animals, great income, and access to things desired.<br /><br /><strong>Gemini -</strong> Recognition of his service, great humanitarian work, profits in speculations and trade, respect from rulers, political success, reputation, fame and much general happiness.<br /><br /><strong>Cancer</strong> - Miseries and calamities, family strife, increase of enemies, trouble from relatives and physical diseases and mental affliction.<br /><br /><strong>Leo</strong> - A period of uneasiness, distrust, disappointments and unrest, misappropriation of money and consequent prosecution if Saturn afflicted powerfully, hatred by all and courting death as a source of relief from mental worries.<br /><br /><strong>Virgo</strong> - Elevation to exalted positions, royal favour, business success and establishment of fame and reputation.<br /><br /><strong>Libra</strong> - Traveling in countries inhabited by Christians and Muslims, establishment of fresh branches if proprietor of a business concern, acceptance of invitations for public lectures and great honour and respect throughout the long period of 19 years and perfect domestic happiness.<br /><br /><strong>Scorpio </strong>- Odium of superiors, disliked and hated by all, loss of prestige, self-respect and fame and destruction and damage to property and possessions.<br /><br /><strong>Sagittarius</strong> - Inclination to study philosophical and religious treatises and success in such studies, auspicious occasions like marriage ceremonies etc., at home and happiness and mental peace throughout<br /><br /><strong>Capricorn</strong> - Increase in lands, gains in wealth and business, friendship with great and illustrious persons.<br /><br /><strong>Aquarius</strong> - Great traveling in Western countries, success in litigation, mental happiness and acquisition of wealth.<br /><br /><strong>Pisces</strong> - Pilgrimage to sacred shrines and holy places, indifference towards sectarian restrifctions and observances, sorrows, misery and unrest. <strong>About the Author:</strong><br /><p>Dr. Shanker Adawal, Jyotishacharya in Astrology is a professional and Astrology is his passion and an urge. His predictive technique is based on Bhrigu Technique whose principles and doctrines have been deciphered from research of above two decades . He is a professional in the field of telecommunications. He is presently working for one of the Fortune 500 Indian companies at a senior position. Did his MBA and PhD. and worked with Multinationals in India and abroad, before joining his presnt assignment. He has travelled extensively both in India and abroad. He also has keen interest in Human Rights. He got interested in astrology when he was young, did his Jyotishacharya. His desire and aspiration to share the findings of his research and the new dimensions which can be given to the science of astrology.</p>
วันจันทร์ที่ 10 สิงหาคม พ.ศ. 2552
How to Become a Top Earning Clickbank Affiliate
Clickbank is a surefire way to make money. Making money online can often be difficult. There are many get-rich-quick schemes on the Internet that claim to be able to earn money fast. Clickbank can deliver on its promises as long as you follow the various ways to make money. Promoting products has never been easier. Making money has never been easier.
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<br>Clickbank is a great way to have a consistent source of income. This is one of the reasons why it is one of the best ways to make money online. Clickbank allows you to constantly make affiliate commissions through daily transactions. You do not need to wait for a process, and do not need to wait for middlemen. When the transactions happen, you see the benefits. By simply promoting the products, you can have a steady source of income. How much you make depends on how much work you put into it. It is possible to make money clickbank style in just a few simple and easy steps.
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<br>With clickbank, you get to choose. When you are working with clickbank, making money could not be simpler. You get to choose how you earn commssions. Clickbank allows you to choose what you promote. You get to choose the products that you feel are going to fly. Which products do you want to promote? Which products do you feel can bring you the greatest amount of income? These are the products that are going to make money. Clickbank allows you to make money on your own terms. Working on the products you want to work on is the easiest way for you to become passionate about promoting. Promoting products to earn money has never been easier, thanks to clickbank.
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<br>If you are interested in click bank, there are certain things to take into consideration before you make money. Clickbank has rules and regulations that dictate how you will become an affiliate with the program. You must follow these regulations when promoting the products. It is helpful to fully understand these regulations before you begin. Figure out exactly what you are expected to do, and what needs to be done to promote the products. It can be easy to promote and earn money. Clickbank gives you the regulations you need to guide yourself to income success.
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<br>It is important to do a lot of research before choosing the best online money making program for you. Clickbank can easily offer you exactly what you need to earn tons of affiliate commissions, and to do it fast. Making money on the Internet does not have to be difficult. Making money on the Internet does not have to be incredibly time consuming and confusing. Clickbank makes it simple and easy for you to make money by promoting products. Choose clickbank to help you to make the money that you want. Choose clickbank to help you to make the extra money that you need. You can open up a free affiliate account to day and start earning the affiliate commissions that you desire.
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<br>About the Author: Donny Gamble is owner of <a href="http://www.homejobsmaster.com" rel="nofollow">Home Jobs Master</a> a product review directory that provides quality reviews on work from home products. If you would like to learn how to make money from Clickbank, check out the <a href="http://www.homejobsmaster.com/clickbank-code" rel="nofollow">Clickbank Code</a>
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<br>Clickbank is a great way to have a consistent source of income. This is one of the reasons why it is one of the best ways to make money online. Clickbank allows you to constantly make affiliate commissions through daily transactions. You do not need to wait for a process, and do not need to wait for middlemen. When the transactions happen, you see the benefits. By simply promoting the products, you can have a steady source of income. How much you make depends on how much work you put into it. It is possible to make money clickbank style in just a few simple and easy steps.
<br>
<br>With clickbank, you get to choose. When you are working with clickbank, making money could not be simpler. You get to choose how you earn commssions. Clickbank allows you to choose what you promote. You get to choose the products that you feel are going to fly. Which products do you want to promote? Which products do you feel can bring you the greatest amount of income? These are the products that are going to make money. Clickbank allows you to make money on your own terms. Working on the products you want to work on is the easiest way for you to become passionate about promoting. Promoting products to earn money has never been easier, thanks to clickbank.
<br>
<br>If you are interested in click bank, there are certain things to take into consideration before you make money. Clickbank has rules and regulations that dictate how you will become an affiliate with the program. You must follow these regulations when promoting the products. It is helpful to fully understand these regulations before you begin. Figure out exactly what you are expected to do, and what needs to be done to promote the products. It can be easy to promote and earn money. Clickbank gives you the regulations you need to guide yourself to income success.
<br>
<br>It is important to do a lot of research before choosing the best online money making program for you. Clickbank can easily offer you exactly what you need to earn tons of affiliate commissions, and to do it fast. Making money on the Internet does not have to be difficult. Making money on the Internet does not have to be incredibly time consuming and confusing. Clickbank makes it simple and easy for you to make money by promoting products. Choose clickbank to help you to make the money that you want. Choose clickbank to help you to make the extra money that you need. You can open up a free affiliate account to day and start earning the affiliate commissions that you desire.
<br>
<br>About the Author: Donny Gamble is owner of <a href="http://www.homejobsmaster.com" rel="nofollow">Home Jobs Master</a> a product review directory that provides quality reviews on work from home products. If you would like to learn how to make money from Clickbank, check out the <a href="http://www.homejobsmaster.com/clickbank-code" rel="nofollow">Clickbank Code</a>
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วันศุกร์ที่ 7 สิงหาคม พ.ศ. 2552
Buy Cheap Contact Lenses Online -- With This Checklist
<p>Once you get a contacts lens prescription, you can buy lenses wherever you choose to. That opens the option to buy cheap contact lenses online. That means you can buy the exact same lens your doctor prescribes, you just deal directly with an online store. <p>The savings over buying locally is often about $10 - $20 per week. That's not a lot per week, but it can add up over time. At $20 per week, you save $2,400 over ten years, so it does add up over time.<p>Following is a list of things to remember when shopping for contacts.<p><ul><br> <li>Schedule an eye exam.</li><br> <li>Discuss your contacts options with your eye care provider.</li><br> <li>Decide on color options and vision correction options (bifocals, astigmatism, etc.)</li><br> <li>Get the prescription.</li><br> <li>Get prices from your local contacts source.</li><br> <li>Shop online looking at contacts available and prices.</li><br> <li>How much will shipping cost?</li><br> <li>Look for user feedback on online stores.</li><br> <li>Is the online savings enough to make it worth the trouble?</li><br> <li>Decide on a store to order.</li><br> <li>Provide prescription info to contacts store.</li><br></ul><p>It's often faster and cheaper to buy cheap contact lenses online. Local stores don't stock nearly all the contacts available, so very likely your contacts won't be on the shelf. The result is often the contact you need will be ordered. That means you wait for days, maybe weeks, to get lenses that you could get faster and cheaper by ordering online.<p>Be sure you compare prices, but the online contacts stores have been at it for years. If the price isn't right and the delivery isn't fast, they go out of business. Get lenses faster and cheaper when you <A HREF="http://www.buycheapcontactlenses.com/Articles/How_to_Buy_Your_Contact_Lenses_Cheap_Online.php">buy cheap contact lenses online</A> instead of waiting for delivery from a local contacts store. <br/><br/> Get your questions answered and find the best lens prices at <A HREF="http://www.buycheapcontactlenses.com/Articles/Discount_Contact_Lens_Buying_Made_Fast_and_Easy.php">http://BuyCheapContactLenses.com</A>. <p> <p></p>
วันอังคารที่ 4 สิงหาคม พ.ศ. 2552
Good Or Bad Credit You Can Still Get a Loan
<p>Many folks these days will use the Net to research the price of a vehicle they are interested in before they start shopping but not as many people take the time to get a <a href="http://www.badcreditloancenter.com/car-loan-with-bad-credit-history/">car loan with bad credit history</a> quote before they start to shop for the car they want.<br /><br />People realize that nobody pays the recommended price for an automobile so they research the cost of the auto to the dealership and then they're able to start shopping armed with knowledge and a powerful negotiating position. It's a superb concept to do this kind of research before you head to the dealership but it's's also a good idea to get a car loan quote beforehand as well so you know how much you are able to afford to pay for your new auto. <br /><br />You do not want to waste all day looking for an auto to find out that you can't afford to pay for it, or worse, buy the vehicle and find out later you cannot afford it and then you're stuck with huge standard payments that are beyond your budget.<br /><br />If you were to get 2 or 3 auto loan quotes before you went to the dealership you would have a good idea of what the present IRs are, and this research may even show an opportunity to save cash by getting a lower IR. A lower IR will have a significant effect on the quantity of your monthly payments.<br /><br />First-time buyers with no credit history or people with a poor credit score could be concerned that they won't be able to find financing for the car they want, but there are a large amount of corporations prepared to loan money to folk with less than excellent credit. <br /><br />By looking online, you can access to lenders across the nation rather than just the lenders that are found in your local area. Looking online is also a big time saver. By getting quotes online you save plenty of time that's spent calling a number of different lenders to try to get a quote and time to track down the telephone numbers to call in the first place.<br /><br />People with good credit will certainly pay a lower IR than folk with blemished credit but even those with poor credit can still get <a href="http://www.badcreditloancenter.com">personal loans for people with bad credit</a>. The IRs will have an impact on your monthly payments but there are more factors too. <br /><br />The quantity of money you can pay for a down payment and the term, or length of the loan will also effect your regular payments. Getting a car loan quote from 2 different banks may exhibit a chance to find a lower IR but may also let you find favorable terms that will also give you more reasonable monthly payments.<br /><br />Getting quotes on line enables you to quickly search out the best rate with the most flexible terms and having this information before you start auto shopping will help you to know how much you can afford and prevent you from getting in over your head with payments you cannot afford. <br />.<br /><br />BadCreditLoanCenter is the Internet's leading resource for <a href="http://www.badcreditloancenter.com/">debt consolidation</a> and <a href="http://www.badcreditloancenter.com/car-loan-with-bad-credit-history/">car loan with bad credit history</a> finance information. </p>
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