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How To Learn Forex Trading To Become A Profitable Trader
If you are seeking to educate yourself about forex trading, most probably your main objective is to gain trading skills so that you are able to trade independently and to be able to create personal consistent wealth through forex trading. Most forex traders are independent traders or individuals who are trading from the comfort of their own homes and not institutional traders who are backed with large quantities of capital by commercial organisations or sponsored by large investing funds.
The distinction between private forex education and academic education
If you are an individual private forex trader, then what you need is a practical forex trading education that will encompass the practical aspects of trading and how to make money from your trades rather than an all comprehensive education involving the historical background of forex, the intricacies of price movements or the more mundane academic statistical studies of finance and currencies. So if you are someone entering into the forex market with the intention to make money from trading forex, then look for someone or a mentor or a trading course that can allow you to learn how to trade profitably.
As a wealth creator, this is what you should look out for in planning your own forex trading education or learning plan.
"Trader, Know Thyself"
It is important for you to research your own trading profile. By this, I suggest you should consider whether you wish to be a day trader, who will be trading several times a day and whether you are able to spend time on the trading terminal, watching prices or are you better placed as a swing trader who makes a trade within days or a long term position trader who cna hold a trade for several weeks. Each type of trader trades on a different time frame, and each method of trading is different. So you will need to zero down on the type of trading you wish to learn.
Risk Profile
The second consideration is your personal risk profile. Are you an aggressive trader or a conservative trader? This is important form the aspect of forex education because you will not be able to fit into day trading forex if you are a conservative trader who is not looking for multiple trades a day. On the contrary, the aggressive trader will like to be proficient in day trading and learning how to trade as a forex day trader will be suitable for him. By knowing your own risk profile, you will be able to start in the correct direction finding a mentor or a trading course that is suitable for your own needs.
Trading Platform
What has a forex trading platform to do with your forex education? Plenty! For one, the forex trading platform must be suitable to your trading methodology. This is because you will need the trading indicators in your charting interface of your trading platform. In learning to trade, you will need a suitable trading platform that contains the trading indicators you need to implement in the trading methodology. At the same time, you will need to practise your trading strategy and to work with a demo account.
Gaining Experience in Trading
Here is one secret that can shorten your learning curve as a forex trader. Get yourself a trade simulator and practise your trading methodology repeatedly till you are consistently profitable before you trade. Practice makes perfect, and you can pick up years of experience as a forex trader within weeks on a trade simulator with a large database of price movements.
Mini Forex Trading Account
For the beginner trader, the use of a mini forex trading account will greatly reduce his risk as he puts into practise whatever he has learnt in forex trading. A mini forex trading account possesses more leverage and a trader can start to trade with very low capital, and therefore reduced risk. In that way, he can start to maintain discipline in trading without worrying too much on losing a big sum of money.
On the basis of these guidelines, it is possible for a person to craft or design an initial plan to acquire personal forex training and education so that he can become a professional or private forex trader.
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Debt Recovery Solution
Applying for and accepting loans and understanding the concepts involved in repaying them back can be a daunting task. You may know only the basics of getting a loan or paying it back.
But you may not have realized that with the debt recovery solution you could have saved lots of money that you have lost due to your not be aware of this financial service. There are a bewildering array of debt recover solutions, loans, providers from a wide variety of sources and you need to weigh them carefully.
There are financial consultants available to help you with proper guidance and who will help you set up a personalized debt repayment plan. These professional financial services advisors analyze your income and financial strengths and then find the best loan solution for you. Every loan is not beneficial for everyone - your adviser can leverage their extensive knowledge of the financial services market to help you come up with the right debt recovery solution.
A counselor can help you to determine:
• Your own financial strengths
• Proper outlets where you can invest money and take loans
• Principal debt amount for you
• Proper interest rates
• Monthly installments
• Time periods you should be working with
• The time when you should go for debt consolidation
• Other benefits
• Proper outlets where you can invest money and take loans
• Principal debt amount for you
• Proper interest rates
• Monthly installments
• Time periods you should be working with
• The time when you should go for debt consolidation
• Other benefits
An advisor can help you improve your credit status by offering you proper debt consolidation plans. You can opt for an equity home loan and apply for debt consolidation loan.
Once you pay of all the pending bills and loans, your credit status will receive an almost immediate boost. You can even consolidate your bills with the debt program of debt consolidation - as it converts the different high interest loans into one low interest loan. The payment is done in bulk and frees you from the hassle of monthly installments.
To reduce loan rates you can shift from one plan to another only after you had a pre-agreement with the bank. There are even some plans where the financing entity gives you an option of changing rates; but, in most of the cases it is fixed under the final agreement that you sign with the financing organization.
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Get your Child into Showbiz through Modeling and Acting Classes
Child Development Sessions
At all such institutes, the popular belief is that providing a child with a professional and caring environment will enable him to achieve so much more that would have otherwise seemed impossible. In tune with this thought, the faculty presiding over these institutions develops customised personality development programs that enable your child to achieve a high degree of confidence and self-esteem.
Moreover, such establishments have also gained unprecedented popularity because they offer one-off programs like acting training and modeling sessions. These classes are in vogue and are fast becoming a popular reason for students to achieve success in their ambition towards stardom. What’s more, such sessions also enable your child to make strides in school, college, on-stage presence, and thereby walk steadfastly towards achieving their personal and professional goals.
However, there are a lot of scenarios where one needs to take things with a pinch of salt. The modeling world is full of unscrupulous elements who would take you for a ride at the drop of a hat. Therefore, you really need to pay heed to a few important things before getting your child introduced to the world of modeling. Some of them are:
Check out the authenticity of the modeling classes agency in question
Starting with local boutiques and stores might be the right way of going about it
Fashion Shows and Expos can be the right mediums for getting your child introduced to the world of modeling
Boost the child’s confidence by getting him to participate in regularly-held photo contests
Get him enrolled in professional modeling courses and classes where he will get a lot of handy tips and information
Whenever you make plans for your child’s future, take all necessary measures make sure you are putting him into safe hands. John Roberts Powers is a leading name in the field of acting and modeling in Santa Barbara. As one of preferred institutes for kids and teenagers, JRP Santa Barbara holds a variety of child modeling classes that will help in the overall personality development of your kid.
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Five Steps to Successful Forex Online Trading
Forex online trading refers to the practice of trading stocks internationally, changing the currency being used. This allows the trader to use the fluctuating values of various currencies to make the most of each purchase. Trading online in the forex market is a risky practice, and there is always risk of losing money. However, there are specific steps a new trader can take to decrease those risks and maximize earning potential. Step 1: Enjoy Yourself
If you have chosen to seek extra income from trading through forex online, and you feel bored and stuck at your pc, watching stock numbers, this is not the activity for you. Successful traders do this because they are fascinated by it; they watch the numbers and have a passion for finding the next great investment. You don't have to be an aficionado to be successful, but you do have to care enough to watch the numbers and pay attention to the financial climate more than just when it is convenient.
Step 2: Trade Without Emotion
To be successful, purchases and sales must be made with no emotion involved. This means that an investment in a company that has an emotional impact, because of what they do or who owns or works for the company, is still just an investment. You should buy when it makes sense, and sell when it makes sense. Also, you need to walk into trading forex online knowing that you will earn money, and that you will lose money. Again, it is necessary that you remain unemotional so that your reactions are always logical, not emotional.
Step 3: Have a System
Forex online trading is a practice that must be learned over time. As that time goes by, you will learn about your own budget, as well as learning about the fluctuation patterns in the market, the level of risk for particular stocks, and so on. As you learn these details, you will develop a system. This system does not need to be specific to any commercial system; it simply needs to be based on logic and over time, it should be proven to work for you.
Step 4: Be Disciplined
Once you have developed a system that works for you (in general; there are not foolproof systems), discipline yourself to stick to your plan. In order to make money with forex online trading, you will need to treat this as you would a job. If your system calls for you to be watching your pc during certain hours each day, this is exactly what you need to be doing. Straying from your own self-set system will inhibit your success.
Step 5: Have enough Money to Trade Safely
Possibly the most important rule, this is absolutely necessary. Before investing money, ask yourself the following question: Can I afford to lose this money? What are the repercussions in the next month if I lose this month? Three months? Six months? Just as with gambling, you need to be prepared for the fact that your investment may not have a return.
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Web Hosting Advice And Information - How You Can Find A Cheap Web Hosting Package
All webmasters will at some point face one question: how will I find a good and cheap web hosting provider?
All web site hosting companies tend to have some similarities, although their main sales arguments are normally focused on two things; cost and bandwidth. A lot of the time people go for a sales pitch like that. Getting something that's inexpensive is desirable to most folks, and if it seems to come with some great extras too, then all the better!
So if you are choosing between a web hosting company that's offering a cheap web hosting plan with 50GB bandwidth for $10 per month, and a different hosting company that promises you a hosting plan with 500GB a month for five dollars, a lot of people will foolishly pick the second option. However, it is this type of logic that leads to disaster for many web hosting clients.
Sure, it's great to save a few bucks - although do you believe a web hosting company is going to give great support and reliable service when you pay them almost nothing? The old saying "You get what you pay for" is very truthful, and the complete truth is you're far more apt to receive great service if you keep clear of the really cheap web page hosting packages.
That being said, it is also true that the service quality can differ a lot betweeen web site hosting companies in the same price range. In truth, the one way of making sure you keep clear of the bad apples is to do a little of your own research. Check out places such as Web Hosting Talk to find out for yourself what real customers feel about the web hosting provider they use.
While there isn't a web hosting company that will be liked by everybody, you will find that some have a lot more complaints than others. I have done extensive research on this and learned that while some web hosting providers may have mostly good reviews, other providers have mostly negative reviews. In conclusion: when looking for an affordable web hosting service, keep clear of the cheapest offers and do some research before you sign up.
Hosting
Choosing on Dedicated Server: Whether to Go With Full Website Hosting or Specific Service Hosting?
If you choose Full website hosting through a dedicated server, you are using only one server. And the whole information about the website, for instance, the company’s online information, software used for the web, emailing, data enquiry and any other software used by the company for the website are held by the same server. For the website that is small or medium sized with a boosting traffic but manageable amount by a single server, to choose this kind of webhosting through a dedicated server is the best decision. The Full webhosting with a dedicated server being the lone physical machine endows a lot of benefits to the smaller companies on contrary to the specific service hosting which is associated with the use of various different types of machines.
In case of specific service hosting, for each type of software the company is using, one server or a physical machine is allotted separately to work with. This clearly explains that the server for the different software used by the website are not related to each other at all, for instance one server for database and another for emailing and goes on like this for every different software. All the servers deliver their performance together by working out unlimited task simultaneously as they operate according to the software allotted. It is difficult to decide the actual number of servers an individual can have and the required space for each physical server while taking up specific webhosting through a dedicated server.
The specific service hosting is suitable for those who own more than one website and the larger organizations or individuals whose website has a huge traffic to control over. This is also best for the websites that need enough space. Both these webhosting come under only one roof, the dedicated servers, at a very affordable cost and gives the best return to the service users. The deciding factor in choosing one out of these two is the quantity of traffic desired on your website and the websites’ purpose. And the only difference lies on what the webhosting are used for and how many are incorporated.
Hotel Management Degree
Some may perhaps even achieve a place more than time as currently being the Basic Manager wherever they will oversee just about every element of the establishment operation. There are very a couple of various management positions in this community and each Institution that supplies a hotel management degree system in hotel management will have all the specialised training necessary to fulfill the place that every college student pursues.
Some of the regular operations that a hotel and hospitality supervisor are responsible for are:
Worker teaching
Associating with the public
Human assets
Preserving provider policies intact
Ability to remedy difficulties
Sales and profits and promotion
Excellent social capabilities
Guest companies and accommodating
Business and accounting capabilities
Earnings targeting and spending budget co-ordination
Knowledge of Corporation Ambitions and aims
Hotel and hospitality management packages are presented inside two locations of the hospitality sector and they are the Hotel, motel resort management and the restaurant or meals and banquet management. Restaurant or foods and banquet management are most probably locations that would give the possibility as a Director of Catering. Hotel and Motel, resort management will include managers’ positions to perform hand in hand with quite a few other personnel such as function directors, departments in culinary and administration and reservations.
A Hotel management diploma will provide awareness of provisional techniques and leadership growth, and give the training wanted in the operating of simple administrative operations. A management position in the hospitality industry may possibly demand 1 to be offered for lengthy hours as effectively as weekends and defiantly vacations in the peak period.
A hotel management diploma is a pretty successful level of training and will supplies the college student with a nicely configured commence to their hotel management occupation.
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Cystic Acne Treatment - Tips For Successful Treatment
Cystic acne is a more advanced stage of acne. This severe form of acne takes the shape of large and painful boils showing up on the skin of the face. If cystic acne is not treated properly, it can leave painful and ugly scarring on your face.
Researchers are still looking into the causes of cystic acne, even though many scientific tests show them to be due to an upsurge of hormones produced by the body. The oil glands in the skin become overactive due to an influx of these hormones causing them to produce e more oil and sebum than normal.
This causes the swelling of the oil glands under the skin, which then begin to harden instead of secreting the oil into the hair follicle linings on the surface of the skin like they should.The oil glands are in an inflamed and infected state; they are painful and red. This is the severe form of cystic acne, which shows up as red lesions under the skin.
Cystic acne treatment is rather difficult; one might get help from a dermatologist who will prescribe drugs like Isotretinoin, as well as antibiotics to reduce the infection and shrink the infected oil gland’s size.
It may be very tempting to squeeze the cystic acne, to get rid of all the extra infectious matter present in it, as well as get some relief from the pain and pressure. However, this is the most futile thing you can do. Not only are you going to be left with a scar, but you will have this acne condition flaring up into an even more severe form. Squeezed cysts are more painful and they take longer to heal.
Cystic acne treatment means not using heavy makeup and moisturizers around the affected area. The chemical-based makeup is only going to aggravate an already severe problem. Additionally, continuous exfoliation of the skin can reduce the collection of dead skin cells in that area, however make sure that you take care when scrubbing infected areas of the skin. It is best to wash with warm water and a gentle antiseptic soap specially formulated for acne.
Going out in the sun is also not a good idea when you are suffering from cystic acne. That infected portion of the skin is tender enough to get burnt. You do not want to suffer from sunburn over and above a bad case of cystic acne, do you? If you really need to go out in the sun, cover the infected skin portions with cucumber juice, so that they remain moisturized but do not suffer much from the onslaught of the summer heat, dust and grime.
A natural cystic acne treatment that is very effective for drying up this form of skin infection can be used. Wash your face with a mixture made up of 1 teaspoon each of buttermilk, honey and turmeric in 2 parts of chickpea (white Gram) flour.
This healing and antiseptic scrub does wonders in getting rid of the painful cysts. This is also the best natural exfoliating agent, as well as natural cleanser that can be found in many natural beauty recipe books.
A Great Resume
You are not getting interview calls despite posting your resume to a number of job sites?
Do opportunities just pass by you as your profile does not get noticed properly?
Do you feel stuck up but can not say 'good bye' to your current job as there are no job offers?
If your answer is a yes to the above questions, then it is a major sign that there is a problem with the presentation of your resume .
Before going further, did you try to figure out the problems with your resume? If not, here are some findings that can prove to be very useful to you.
Several surveys conducted indicate that HR people discard a resume due to two major reasons
1)Bad outlook
2)Irrelevant Content
Now, look back and check out these two weighty aspects in your resume. The above pointed indicators could throw some light as to why prospective employees have been avoiding your resume lately.
Get a resume here and important and practical indicators that will help you to draft a better resume, thus getting you the calls that you have been always waiting for.
Do opportunities just pass by you as your profile does not get noticed properly?
Do you feel stuck up but can not say 'good bye' to your current job as there are no job offers?
If your answer is a yes to the above questions, then it is a major sign that there is a problem with the presentation of your resume .
Before going further, did you try to figure out the problems with your resume? If not, here are some findings that can prove to be very useful to you.
Several surveys conducted indicate that HR people discard a resume due to two major reasons
1)Bad outlook
2)Irrelevant Content
Now, look back and check out these two weighty aspects in your resume. The above pointed indicators could throw some light as to why prospective employees have been avoiding your resume lately.
Ex. Short Profile Get This for you
Looking For A Resume And Cover Letter Sample
There is a lot riding on having that perfect resume and that perfect cover letter. It could mean the difference that perfect job or a mediocre job that you aren’t really that happy at. It’s no wonder that the pressure of writing a good resume and cover letter is a little intimating to job hunters everywhere. Millions of job hunters turn to books promising to provide them with the tools to write that perfect resume. People spend hundreds of dollars on computer software that is guaranteed to produce a resume and cover letter that will get them hired to the job of their choice. For those who don’t’ want to spend money there is a whole network of free samples and articles right at their fingertips every time they log into the internet. Some people actually become obsessed with finding the perfect sample of what their resume and cover letter should be like.
While these job hunters are headed in the right direction, something that needs to be kept in mind is it’s a strong and personalized cover letter that will get them that interview. As great as these samples might sound, people should not be tempted to pass them off as their own cover letters. Each cover letter needs to be customized to the position and the company they are applying for.
A resume can be a little easier to write than a cover letter. Essentially a resume is a history of your work experience. It’s not uncommon to have only one resume on file instead of multiple ones, because let’s face it there is only so many ways you can list your experience. You can use the same resume to apply to company ABC and company XYZ. A good resume simply shows employers that you have the skills and experience that meet their criteria. The key to a good resume is to let your abilities and skills shine through.
However it’s not advisable to use the exact same cover letter for both companies because as we all know, no two jobs are alike. In fact no two companies are alike. Each company comes with its own sets of needs and you cover letter needs to state how you meet their specific needs. Why you might be a perfect match for one company might not hold true to another. Because of this it’s unadvisable to use a sample cover letter that you might find online.
That’s not to say using these examples you find as a guideline or even “tweaking” the samples to make it fit YOUR skills, YOUR personality, and show that YOU understand what the company is looking for is a bad idea. In fact these types of resumes and cover letters are very specific and could help demonstrate that you fully understand the company’s needs. Even more importantly they could help you get across the point that you are a perfect match for them.
There are many avenues for you to pursue while looking for a resume and cover letter. As was mentioned before, you can always hire someone to help you write your resume and cover letter. Or even better they will write your resume and cover letter for you. This is a costly service though and not one that I would recommend. You don’t really know these people, you only spend a small amount of time with them so why trust them with the most important tools you need for a job.
An easier less expensive route is to check out your local book store. There is usually a whole section dedicated to books geared toward people looking for help writing that perfect resume. While these books will offer samples, they also arm you with the knowledge you need to write a good resume and cover letter yourself. To me this is the greatest advantage with a how to book, it educates you. You can’t put on price on that sort of education.
Lastly, the easiest way to look for resume and cover letter samples is your computer. Walk into any computer software shop and you will find a variety of programs that will help you with your resume. It’s almost like having a professional resume maker but without the expensive cost. These programs guide you step by step through the process. If you really don’t want spend the money on software, don’t worry. There are plenty of sites dedicated to helping you write that perfect resume. Most of the time they will cost you either a small subscription fee or nothing at all. The only downside to this is that sometimes they don’t go into as much detail as say a book would. They are not always as organized as a book would be either.
As long as you are looking for resume and cover letters samples to assist you in your job search, which can only benefit you. However looking for them to copy and pass off on your own could mean sudden death in the job hunt.
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Homemade Acne Treatment – Tips For Safe Treatment
Homemade acne treatment can involve the use of herbal treatments and other natural treatments that require fruits to be used.
Whatever you do you have to make sure that the homemade acne treatment you take the help of is absolutely safe and is perfectly suitable for you. Treatment also always does not entail topical application, that is, you can effectively treat your case of acne by consuming substances that are conducive to your skin. Herbs such as aloe vera, calendula and chamomile may be applied if you get a mild bout of acne. A combination of herbs too can work wonders for you. Consumption of fruits helps keep acne at bay since toxins in the body get discharged easily. Yoghurt can also be of tremendous help, whether eaten or applied.
The first aspect of homemade acne treatment is the consumption of plenty of water after which comes avoiding of fatty and oily foods. Even processed foods are an absolute no-no for all those who want to prevent acne from happening. Everyday exercise, too, is a must if you do not want acne to be a part of your existence. Remember until you follow the basics of acne prevention no matter how much you try lotions and creams, results will keep on eluding you. A proper diet and good sleep are also necessary pre requisites. Speaking of diet, it is better if you can use sea salt instead of iodized salt in your food because iodine can actually increase your risk of getting acne.
Homemade acne treatment can take up a lot of your time but you can rest assured that it will lead to that pimple-free clear complexion you always wanted. With ingredients like apple, oatmeal, honey, lemon you can make exfoliates, masks and moisturizers that can help heal your skin naturally.
When you have the key to a healthy skin yourself with ingredients that you will always find at your fingertips why not make use of homemade acne treatment?
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5 Jobs You Can Get With An IT Degree
You’ve heard it all before: The Internet is booming, and with it the IT industry. However, all the hype doesn’t necessarily tell you what you want to know: what kind of a future you will have with an information technology degree. Here are five jobs you can get with an IT degree.
Technical Support: Technical support personnel provide assistance with confusing or complicated technical systems. The customer might need help with their personal computer, or their business’s computer network. Technical support’s job is to diagnose the problem, usually over the phone or the Internet via an instant messenger program, and explain to the customer how to troubleshoot the problem step-by-step.
Because technical support personnel work remotely to diagnose and fix computer and software glitches, often with frustrated or irritable customers, they need to be highly qualified for the job. An information technology degree ensures that you know computer systems well enough to correctly diagnose the problem, saving time and further frustration on the customer’s part.
Keep in mind that technical support personnel also need to be good with people. You will need patience for dealing with impatient, frustrated customers, as well as the ability to translate your technical knowledge into terms the average customer will understand.
Computer Programmer: Computer programmers need more computer skills and less people skills than technical support personnel, since most of their work is done with the computer alone. A computer programmer needs an information technology degree because he or she needs to be well versed in all aspects of modern computer technology, in particular the various programming languages that are currently used.
Technical Consultant: Because companies hire technical consultants on a contract basis, this job grants you the freedom of working for yourself. As an added bonus, consultants also generally command a high hourly rate.
As a technical consultant, companies will hire you to perform specific jobs, such as setting up or performing work on the company’s computer network. In this capacity, an information technology degree will be invaluable, as it gives you credibility and makes companies feel confident about contracting your services.
Database Administrator: Many companies, especially large companies, require huge databases in order to manage and store all of their data. These companies usually have one or more database administrators on staff, or work with administrators on a contract basis. As a database administrator, an IT degree ensures that you are up-to-date on modern technology such as Oracle, SQL, and other similar platforms.
Information Technology Instructor: As long as there are plenty of IT jobs to go around, there will also be a demand for instructors. Getting your information technology degree also allows you to turn around and use it to teach other students who are interested in breaking into the industry.
An information technology degree opens up many doors. The IT industry is booming and the number of jobs is always increasing. The five jobs listed above are only the tip of the iceberg. Our society’s dependence on computers and the Internet means job security for anyone with an IT degree, not to mention high salary potential. Be sure to look into the possibilities. Getting your information technology degree just might be the best thing for your career that you’ve ever done.
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Make Your Life Insurance Sales Career…
You can have the best ideas in the world on how to really help people! You can have a great marketing campaign to attract the right people to you! But, you’ll still struggle if you can’t get a high percentage of those people to take immediate action.
How To Sell ‘9 Out Of 10 Prospects’ You Meet With!
Unfortunately, one of the least taught and least practiced sales skills today, is the ability to conduct a good, thorough fact-finding interview. A good, thorough fact-find is much more than asking some simple questions to identify a few pertinent facts and concerns, so that you can make a quick sale. It’s asking the tough emotional questions to guide your prospect to self-discovery of their own financial concerns and problems. It’s helping your prospect to get emotionally involved in the entire sales process. It’s helping them feel the real pain of their current situation, so they want to do something about it, right now, to alleviate that pain.
Consider, people don’t always do or buy what they need. Logically, we may know we need to lose weight, quit smoking, save for retirement or pay off our credit cards. But, do we do it? NO! We put it off until we have no other choice, because it’s causing us unbearable pain. Only when the pain becomes too great to live with, will we decide to do something about it.
That’s why a good, thorough fact-finding, is so critical to your success. And, it goes far beyond just asking questions to guide your prospect to self-discovery of their own financial concerns. It’s being genuinely engaged in asking - and listening beyond a sale motive - to take the conversation, and the relationship, to another place. You become their partner in solving their problems, because you cared enough to ask questions beyond the obvious. You cared enough to ask, and did not assume that financial security means the same for everyone. You cared enough to ask what's r-e-a-l-l-y important to them. Rather than do what everybody does - push product, price and investment returns. A good, thorough fact-finding interview helps you build rapport and trust, which enables you to close more sales, close larger sales, generate repeat sales and gather referrals, even in a struggling economy!
You must conduct a good, thorough fact-find with everyone you meet with. And, it doesn’t matter how, or why you get an appointment. The appointment could be for something as simple as discussing mortgage insurance, Medicare supplements, or final expense policies. Or, maybe they agreed to meet with you after they’ve attended one of your seminars. No matter why they agreed to see you… you must conduct a good, thorough fact-finding interview, if you want to sell 9 out of 10 people you meet with.
How Do You Make The Transition To The Fact-Finding Interview?
You’re in their home, or they’ve come to your office, and they’re expecting you to discuss and give them a quote for mortgage insurance, Medicare supplements, health insurance, final expense policies or whatever. How do you make a smooth transition to the fact-finding interview?
You start by asking something like… “Before we get started, is there anything in particular you wanted to talk about?”
They’ll say something like… “I thought you were here to talk about _____ and give me a quote?”
No matter what they say, you’ll say… “Yes, I came fully prepared to talk about ____. But, if I may, I’d like to explain a little bit about how I do business, because I work a little differently from the other people you may talk to”
“First you can put your check book away, because I’m not going to ask you to buy anything today!” Is that Ok?”
“What I’d like to do is ask you some questions, so I can fully understand your situation and I can tailor a plan to meet your exact needs! Does that make sense?”
“Good then let’s get started?”
Now you’ve asked permission to ask them questions, and you are in the fact-finding interview. From here you ask questions to gather the pertinent facts and then use the Who, What Where, When, How and Why questions to get your prospects to talk about their feelings, concerns and problems.
“People Buy Based On Their Emotions…
And Then Justify Their Decision Based On Logic”
The Typical Questions…
“If you don’t mind me asking…”
“Have you thought about when you’d like to retire?”
“How much money are you currently putting away for retirement?”
“How much have you already saved for retirement… etc?”
The Emotional Questions…
“How much income will you need in retirement?”
“How did you come up with that figure?”
“How much money would you need to have saved in order to generate that income?”
“What would you like to be able to do in retirement?”
“Where would you like to go?”
“When would you like to go?” “Who would you like to see?”
“Why is that important to you?”
“How do you feel about what you’ve saved so far?”
“Has anyone taken the time to figure our exactly how much you’ll need to retire?” “What would you like to see happen?”
“How does that make you feel?”
“Would you like to know how much income you’ll need for retirement?”
“Would you like to know how much money you’ll need to have to generate that income?”
“When you retire, what’s more important the amount of money you’ve accumulated or the amount of money you get to spend?”
“Do you think social security will be there when you retire?”
“Even if it’s there, do you think it will provide as much for retirees as it provides today?”
“If Social Security isn’t there what will happen?”
“How do you feel about that?”
Your prospect says: “I’ll never retire!”…
Advisor: “Why do you say that?”
“Is that how you really feel?”
“Is that because you feel you’ll never save enough for retirement?”
“If I could show you how to have the retirement you want without sacrificing your current life style would you like to know how?”
Summary
The ability to conduct a good, thorough fact-finding interview is what enables the Top Life Insurance Producers to consistently earn $250,000, $500,000 or more each year. It’s why they are able to… Sell ‘9 Out Of 10 Prospects’ They Meet With! It’s why they consistently close larger sales, and consistently generate more repeat business. It’s why they are able to work with fewer prospects. And, it’s why they get more referrals and spend less time and money prospecting!
Is fact-finding easy? No! Is it more work? Yes!
Can you learn how to conduct a good, thorough fact-finding interview? Yes!
Yours in Success,
Lew Nason
The Nine Out Of Ten Guy
Trainer, Coach and Mentor…
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