Mar 07
This country is experiencing what most experts would agree is the worst financial crisis since the Great Depression; and some would argue that it’s worse. The lack of confidence financial markets have in the government to adeptly navigate recessionary waters is astounding; and the lack of confidence that inspires in would-be investors – savers for [...] [...more]
Posted: under finance.
Tags: annuity marketing, annuity prospects, annuity sell
This country is experiencing what most experts would agree is the worst financial crisis since the Great Depression; and some would argue that it’s worse. The lack of confidence financial markets have in the government to adeptly navigate recessionary waters is astounding; and the lack of confidence that inspires in would-be investors – savers for college, retirees, or those looking to accrue enough wealth to buy a home with a big down payment – makes the sale of traditional retirement and investment products like mutual funds, asset allocation services, and advisory services practically impossible. More than ever, individuals are flocking toward conservative investments like money market mutual funds, CDs, and government bonds that they are sure will preserve principle. This trend explains why annuity retirement is becoming a much more attractive option to disillusioned savers, and you’d be hard-pressed to find a broker who has received an annuity sell order, especially for the non-variable type.
As a seller of structured investments, you are providing a product to your client that meets his or her goals that will also earn you a solid commission – usually a low single-digit percentage of the annuity you sell. Yet innovators in the industry have invented a way that benefits annuity investors and salespeople equally by leveraging principle at very low interest rates. The borrowed money is then either paid back through continued contributions to the annuity or else through the annuity’s own compounded interest. In other words, salespeople are able to receive a call for a much larger annuity sell because the principle is augmented by borrowed money and therefore earn a much larger commission. At the same time, the salesperson should also rest happily with the knowledge that he or she is providing the client with a way to accumulate wealth much more quickly with the help of borrowed money, but at very low risk because a) annuities are principle protected and b) the investor often pledges to repay borrowed money with contributions from his or her own business.
As a financial planner, I know how often interests conflict. Financial product companies constantly put out incentives for me to sell this or that risky, high-margin product to a client that doesn’t need it. Annuity retirement products are a true exception in the investment community. The security and stability they offer to clients are really priceless in their eyes, so I feel as though I’ve earned my commission by giving them a product that they definitely could not structure themselves in their own portfolios.
Bottom line: for greedy but ethical financial planners and product salespeople, selling annuities – fixed or variable, leveraged or unleveraged – is a great way to help people while making a good living.
Mar 04
Before I went off to college, I had a list of all of the things that I needed to buy. Many of these items were much more expensive than I had anticipated and I was already working with a pretty strict budget. My parents were going to pay for my tuition and my room and [...] [...more]
Posted: under Computers.
Tags: Compaq, Compaq refurbished laptops, laptops
Before I went off to college, I had a list of all of the things that I needed to buy. Many of these items were much more expensive than I had anticipated and I was already working with a pretty strict budget. My parents were going to pay for my tuition and my room and board. I needed to be financially responsible for the rest. I had to buy all of the items that I would need for my dorm as well as all of the items that I would need throughout the year such as soap and toothpaste. I also was responsible for paying for my books, which proved to be another large expense. The savings that I had accumulated from my part-time job was diminishing and I hadn’t even started school yet.
I knew that I needed to have my own computer while I was at school so buying one was a top priority. I was majoring in teaching and I anticipated that I would be writing a lot of papers. I also wanted to be able to stay in touch with my friends and family via the internet. However, computers were expensive and I was concerned that I might not be able to afford one. My parents suggested that I take a look into Compaq refurbished laptops and Hewlett Packard refurbished notebooks. While I wasn’t sure if buying a pre-owned computer was the right option for me, I was willing to look into it.
There were several concerns that I had about before looking at Compaq refurbished laptops and Hewlett Packard refurbished notebooks. I needed a computer that had the latest word processing programs and that was going to be reliable. The computer that I purchased needed to be internet ready. Although I was undecided as to which model or style of computer that I wanted, I knew that I needed a quality computer that was going to get me through the next four years.
The Compaq refurbished laptops that I looked at were actually in very good condition. In all honesty, I really couldn’t even tell that they had been used. They appeared to be current models that contained the newest word processing program and that were internet ready. I was also impressed by the Hewlett Packard refurbished notebooks that I looked at. They were also in fantastic condition and did not appear to be used at all. I was very relieved that I had two excellent options before me and that I would get a great deal on a reliable computer.
Mar 03
Having a beautiful smile can be the window of opportunity in a person’s life. Hiding behind the smile you are embarrassed of can be a significant burden and an unnecessary load to carry. With today’s advanced dental technology and materials, getting that perfect smile you have always wanted can be a quick and painless procedure [...] [...more]
Posted: under Dental.
Tags: Cosmetic Dental Work, Dental Makeover, Dental Treatment
Having a beautiful smile can be the window of opportunity in a person’s life. Hiding behind the smile you are embarrassed of can be a significant burden and an unnecessary load to carry. With today’s advanced dental technology and materials, getting that perfect smile you have always wanted can be a quick and painless procedure and through a cosmetic dentist can be easily achieved.
While your family dentist will focus on oral hygiene and preventing oral diseases, a cosmetic dentist focuses on improving the appearance of your teeth and smile. In other words, a traditional dentist will focus on necessary treatments for your health and a cosmetic dentist focuses on your desired treatments. The American Academy of Cosmetic Dentistry has more than 8,000 members in 70 countries around the world who are dedicated to the art and science of cosmetic dentistry.
There is special schooling and training for cosmetic dentists. Cosmetic dentistry is not taught in dental schools as a part of the normal set of courses. For a dentist to become qualified to perform cosmetic dentistry, they must pursue considerable training after graduating dental school. A strong passion for art is another requirement for any dentist pursuing a career in cosmetic dentistry.
Whitening, or tooth bleaching, is the most common cosmetic dental procedure and although there are many whitening options available at your local grocery store, dentist-supervised whitening treatments are the most effective.
Another cosmetic dentistry procedure is contouring. Also known as tooth reshaping, contouring is one of the few instant treatments available in today’s cosmetic dentistry field. Contouring is a procedure to fix crooked teeth, chipped teeth, cracked teeth, or even overlapping teeth. Contouring takes place in just one session and can even be a substitute for braces.
Bonding is a procedure that enamel-like dental composite material, or dental adhesive, is applied to a tooth’s surface, sculpted into the correct shape, hardened and then polished. Veneers are super thin, custom-made laminates that are bonded to teeth. Dental veneers can fix almost any problem you are having with your teeth. They can be used to straighten your teeth when orthodontics is not necessary. Veneers can cover discolored teeth that do not respond to whitening. They can also cover cracked teeth or fill in cracked ones.
Cosmetic dentistry is a very popular cosmetic industry due to the fact that a person’s smile is quite possibly the most important part of their appearance. Cosmetic dentistry has changed many peoples’ lives and will continue to do so for many years to come.