The Colloid Base

April 8, 2008

Refinancing With Cash Out

If you have lived in your home for a reasonable amount of time and have acquired equity through appreciation and monthly mortgage payments, you may be considering liquidating some of that equity by refinancing with cash out.

Refinancing with cash out in laymen terms simply means to refinance your existing mortgage and borrow some of the equity in the home to be received in a lump sum at the closing table.

People refinance with cash out all the time and for a variety of reasons. The number one reason being to get a lower rate on their mortgage. The cash out scenario you can use for all sorts of reasons. Such as debt consolidation, buying a new vehicle, home improvement, college tuition, family vacation, etc.

If you are seriously considering refinancing with cash out, you may want to consider shopping around for a mortgage. By shopping around you can compare rates, and fees.

Also, be sure to educate yourself as much as possible. Take the time to learn as much as you can about the mortgage industry, so when the time comes to dealing with a loan officer you will have a strong grasp on your options.

Once you are done educating yourself, you will be able to track down a mortgage company to assist you with your cash out refinance.

Once you begin your search, don’t limit yourself to one company, talk with up to four at the very least. Allow them to assess your scenario and do inform them that you are shopping around.

By letting the loan officer know that you are shopping around, it will be in their best interest to offer you their best rate to prohibit you from going to their competition.

The mortgage industry is a very competitive one, and they will compete for your business. So sit back, relax, and wait for the best offer to come your way. Good luck.

Jennifer Hershey has more than twenty years of experience in the Mortgage Industry as a loan officer. She is the owner of www.explainingmortgages.com/, a mortgage resource site devoted to making mortgage terms and products easy to understand.

Filed under: Property Resources — Admin @ 8:55 pm

Benefits of Bee Pollen Supplementation

Since ancient time bee pollen has been considered as an
ultimate health food in many ancient text and legends. Bee
pollen has since then been praised as being a healing agent for
many other ailments.

Bee pollen has about 45 calories in one Tablespoon. Bee Pollen
contains many essential nutrients including 22 amino acids,
bioflavonoids, natural antibiotics, hormones, natural sugars,
vitamins, minerals, enzymes, and EFA’s.

Bee Pollen Benefits

Animal Studies suggest that bee pollen may help with weight
loss. But there are no studies showing bee pollen’s effect on
human metabolism. Some reports do show that bee pollen may help
with the appetite control in humans.

Bee Pollen has been touted to increase energy levels and
increase performance, thus making it a favorite supplement among
bodybuilders and other athletes. Performance Enhancement has
been attributed to the use of bee pollen. It has been shown to
produce an accelerated rate of recovery, and those not receiving
bee pollen supplementation have shown declining performance
rates and recovery.

Bee Pollen also has been used in Europe and the US as a
treatment for prostate enlargement, prostatitis, and other
prostate problems.

It’s shown that Bee Pollen counteracts the effects that
radiation and chemical pollutants. Bee pollen contains
anti-oxidants that destroy free radicals that are caused by the
exposure to radiation and other pollutants. Studies show that it
can reduce the side effects of radiation treatment.

Many people who are allergic to pollen are able to tolerate oral
bee pollen. However there have been reports of a small
percentage of people who initially ingest a large amount of bee
pollen may develop allergies, sometimes severe, and minor
gastrointestinal irritation and laxative effect to oral bee
pollen. People severely allergic to pollen should no use oral
bee pollen. Also like any other medication/supplements take with
caution and under doctor’s supervision.

Bee Pollen has many benefits and is said to help aid in weight
loss and workout performance. The preferred way to use bee
pollen is in capsule form and can be found from many nutritional
supplement sites around the web.

Filed under: Templates Portal — Admin @ 6:22 pm

Green Star Juicer GS-3000 - Tempting Your Taste-Buds

If you are looking for an all-rounder, a Green Star Juicer
GS-3000 may be one of the best choices available. Manufactured
by Tribest, this is just one of the award-winning products in
their outstanding range.

This machine will be your juicing partner for a long, long time.
And when you’re not juicing, the versatile Green Star GS-3000
Complete Juicer and Food Processor Deluxe will keep you busy in
countless other delicious ways!

The main advantage of the Green Star Juicer lies in its
innovative heavy duty twin-gear technology. Gentle extraction of
the delicate juices equals superior quality, delayed oxidation,
and maximum retention of all the vital nutrients. The nylon
safety buffer, which forms part of the twin-gear system, ensures
peace of mind, and prolongs the life of your juicer
significantly.

The magnetic process, bioceramic technology and Far Infrared
energy involved here, add to the benefits. The low 110 rpm’s of
this machine explains why juice from the Green Star is so
stable. It allows you to store some juices for up to 48 hours
without loss of goodness. As in other twin-gear juicers, the
noise level while in use, is quite low.

The machine offers continuous juicing with automatic pulp
ejection, a very convenient feature. The resultant pulp is
wonderfully dry, which means more juice in your glass.

Not only does the The Green Star Juicer make short shrift of a
variety of fruits and vegetables, it also gobbles up herbs,
wheat-grass and other leafy greens such as parsley or spinach
with ease. A bonus is that the stringy fibres in celery presents
no obstacle.

The feature that allows for this, is the extra cutting points on
each of the gears, which prevents clogging.

If you buy a Green Star Juicer, you can know that the design of
the twin gears makes provision for special pocket recesses to
improve processing of harder textured produce. This unique
feature also limits the strain exerted by the motor, and extends
its life.

The pressure adjustment mechanism is another important feature
responsible for increased effectiveness. Enabling the user to
adjust the pressure for softer and harder textured produce,
contributes to less clogging and jamming.

An optional pulp adjusting knob specifically aimed for use when
juicing soft fruits, is also available. This will allow for
better extraction from fruits such as pears and melons. Even
when juicing citrus, you will experience superb results. The
juice yield is much higher than with many citrus juicers. The
pulp is ejected without difficulty. The pulp left in the juice,
is just what is needed to give it that refreshing, home-made
taste.

Additional accessories make it possible to use the machine as a
food mill, a breadstick maker and as a pasta press. With this
juicer in your kitchen, your repertoire will include nut
butters, frozen desserts, baby food, pates and much more.

The standard list of accessories for the GS-3000 model Green
Star Juicer is impressive: a coarse screen, a fine screen, a
drip tray, a stainless steel strainer, a Japanese rice cake
guide, a homogenizing blank, two plungers, a juice pitcher, and
a cleaning brush. The pasta screen, guide, and screw are also
standard equipment. The juicer has two pasta settings.

The capacity of the motor is 1/4 HP (190 watts). There is a 5
year warranty on the juicer.

Users mention only a few drawbacks. The first is that one has to
cut the fruit and veggies into quite small pieces in order to
fit them into the chute. This adds a few minutes to the
preparation time.

How easy the Green Star Juicer is to clean and re-assemble, is
debatable. Due to its size and all the components, this aspect
can be somewhat time-consuming.

As with the components of many other juicers, staining and
mineral deposits present a challenge. It is possible to remove
these to some extent by soaking them in a mixture of baking soda
and lukewarm water. However, you will save yourself a lot of
aggravation by accepting stains as an inevitable part of juicing.

Although there is a built-in carry handle, the juicer is quite
heavy to move around.

If you want to be the proud owner of a Green Star Juicer, but
you can’t afford the GS-3000, consider starting with the
GS-1000. The same basic functions will be at your disposal. In
time you can add the optional accessories, such as the
Breadstick Maker, Pasta Maker, Coarse Screen, Stainless steel
strainer, and drip tray. You will still have what is considered
to be 3 machines in 1. When buying such a versatile product as
the Green Star Juicer, you need to become familiar with all its
functions. An entertaining way to ensure that you make the most
of your juicer, is by investing in the book ‘Living With Green
Star’ by Elysa Markowitz. The book offers clear instructions,
over 150 tempting recipes, tips and mouth-watering photographs.

For daily use, this juicer is a good choice. The extra high
enzyme, vitamin and mineral content in the juice will probably
have you up and dancing, with little or no regard for the one or
two small snags!

For more information visit www.Best-Juicing.com

Filed under: House Of Home Improvement — Admin @ 4:40 pm

The Dirty Secret about Adult Acne Treatment

One of the most irritating things that could happen to a boy or a girl in puberty stage is to have acne. This chronic inflammation of the hair follicles and sebaceous glands cause black heads, pimples, lesions and in some cases, cysts, infected blisters and scars to appear especially on the face. Acne may also affect the shoulders, the chest, the back and the upper part of the arms.

There are many known causes of acne; among them are hormonal changes in the body, stress, hyperactive sebaceous glands and bacteria. Whichever of these symptoms causes one’s acne; surely, the person doesn’t like having this skin condition. Aside from its unsightly effects, especially on the face, it also lowers one’s level confidence. For many adolescents, acne even causes depression and insecurity. Thus, for anyone affected by this skin disease, the first thing he would want to do is to get rid of it.

Acne treatment is not a very big problem because there are different kinds of treatments available. However, not all are scientifically proven to be effective. Nevertheless people’s experiences with these products have made these acne treatments so popular. In many cases, combining two or more acne treatments reduces severity of acne more effectively.
Below are among the widely used acne treatments:

Topical treatment - Topical medicines are among the most popular treatments for acne. They are prescribed by dermatologists in order to reduce inflammation, open the clogged pores of the skin, stop bacterial infection and reduce sebaceous gland’s production of oil.

Among the topical treatments usually recommended by a dermatologist are Benzoyl Peroxide (Topical Bactericidals); Sulfur and Resorcinol; Azelaic Acid; topical antibiotics such as Clindamycin, Erythromycin and Sodium sulfacetamide; Retinoids (Vitamin A derivatives); and alcohol and acetone for milder forms of acne.

Exfoliating agents -Since one of the causes of acne is the accumulation of dead skin cells, exfoliating agents are needed to encourage peeling (not visible shedding of skin although in some instances, flaking occurs) of the outermost layer of the skin so that they won’t build up and block the pores. Exfoliating the skin can be done by scrubbing the skin using a harsh cloth and liquid scrub or by using agents like Salicylic Acid and Glycolic Acid.

Oral Antibiotics

Antibiotics can also be taken orally to destroy the bacteria that cause infection. Most common oral antibiotics are Erythromycin, Oxytetracycline and Doxycycline. Taking these antibiotic drugs however could not in itself stop acne since it doesn’t reduce excessive oil and normalize cell behavior that primarily cause blockage of the hair follicles.

Natural Treatment

Nothing can be safer than natural methods of treating acne. Natural acne treatments are advisable if your acne is just mild to moderate. One of the natural methods you can do is by eating unprocessed food, and vegetables and fruits rich in Vitamin A (this vitamin reduce oil production) and omega-3 oils. You should also drink lots of water and fruit juices. Avoiding food and beverages that aggravate acne is also helpful; among these are chocolates, fried food, coffee and milk products.

Dave Poon is an accomplished writer who specializes in the latest in acne care. For more information regarding acne body wash, please drop by at http://acne.answerwisely.com

Filed under: Beauty Supplies — Admin @ 3:42 pm

Incredible Tips For High Quality Digital Photography

Digital photography has come a long way in producing high quality pictures, but contrary to popular belief, this cannot be achieved simply by pointing the camera at an object and clicking. Understanding certain concepts is necessary in order to achieve exceptional picture quality e.g. automatic flash, no flash, forced flash, twilight mode, natural light and red-eye reduction. The following should help in clarifying certain misconceptions.

Automatic Flash

Most digital cameras offer an automatic flash setting, which simply means that the camera will automatically gauge whether the use of flash is necessary. Once this calculation is complete the flash will go off if needed. In many cases this is the best option to choose, but there are exceptions.

Forced Flash

This feature should be used in cases where very bright light exists behind the object being photographed. This background light will cause a shadow to be cast over the subject. If your camera is set to automatic flash, this shadow will cause the flash to go off, creating an inappropriate effect. Use of the forced flash setting would, on the other hand, eliminate the shadow.

No Flash

This option is ideal in situations where the existing light is dim and the subject is too far away for the flash to have an effect, when photographing a bright object with a dark background (use of flash will erase lights in the picture), or in settings where flash photography is prohibited. The one thing to keep in mind when using this option is that the camera must be kept very steady.

Natural Light

In most cases, if used correctly, natural light is really the best option for producing vibrant pictures. If sunlight is available, snapping the picture at just the right angle is necessary to avoid glare. Squinting, although is still a common problem when using bright light. As far as natural lighting goes, cloudy days are best. Not only is shadowing not a problem but the picture itself has an additional softness to it.

Twilight mode

The twilight mode setting is best when your subject is surrounded by darkness. This option will clearly light your subject, maintaining the dark backdrop, as long as the object is within flash range.

Red-Eye Reduction

This seldom desired effect is the result of the flash reflecting off the eyes’ retina. The red-eye reduction feature instructs the camera to set off multiple flashes in order to eliminate the effect. Once again the subject must be within range of the flash as well as looking directly at the camera.

It is not to say that without the above information you will never achieve a decent picture, but committing these tips to memory will surely improve the quality of your photography as well as bring memories to life more accurately.

This digital photography tip article is brought to you by award-winning professional photographer Warren Lynch. Exciting articles gives both beginners and advance digital camera enthusiast the leg up. With cutting-edge digital photography blogs, forum and review resources.

Filed under: Photography — Admin @ 7:16 am

The History of Sales: Dale Carnegie is Still with Us

I’ve recently been hearing sales companies talk about how they are ‘helping their buyers buy’ with a system that is the ‘next thing’ after Consultative Selling. After becoming familiar with their concepts and methods, I’ve come to believe they are correct: they are definitely on to the next iteration. But of what?

The next iteration of How to Win Friends and Influence People.

Interestingly, Dale Carnegie’s beliefs and sales models continue to capture the mainstream audience for sales professionals, complete with the beliefs and behaviors he put into place in 1937.

Let me take a moment and enumerate them:

1. Although the buyer has input, the seller is the product expert and therefore knows what the buyer needs.

2. The seller’s job is to influence, convince, or persuade (the word Carnegie preferred) the buyer to buy the seller’s product.

3. By careful information positioning - appropriate pitches, presentations, ads, campaigns, marketing strategies, layouts, commercials - a buyer will recognize that they need a product.

4. The seller can see what is missing from a buyer’s environment by virtue of his/her knowledge of the product, and is at fault when s/he fails at selling the product where it is needed.

5. If the seller can get it right the buyer will be ready to buy in the seller’s time frame using the seller’s sales criteria.

ADDING QUESTIONS TO TRADITIONAL SALES

Once Consultative Selling came along in the mid 80’s, thanks to Larry Wilson, Linda Richardson, Neil Rackham, and David Sandler, sellers began realizing they needed to get input from the buyer. Thus the inclusion of ‘questions’ into the selling process.

And what were the questions? Information-based questions that led the prospect to admit just WHERE they had a problem and just HOW they could solve it using the seller’s product. These questions ultimately were a manipulation to get the buyer to concede that yes, alas, they had a problem, and no, they weren’t handling it as effectively as they might. Obviously, went the theory, once they realized the error of their ways, they would know it was time to buy the seller’s product.

But did they do that?

Given that the questioning system was used to ‘create a need’ and was therefore manipulative, buyers ended up not being totally honest; they knew they were being set up for a sales pitch. And, after all, why should they share private information with a stranger - especially a stranger that would use the information against them. David Sandler coined the term “Buyers are Liars”. The implication here is that sellers, still, have the answer and know the real truth behind buyer’s needs. Indeed, sellers create their own objections.

But it’s a bit more complex. Buyers have lived in their unique culture - and indeed helped create it - for so long that it feels comfortable. Things are ‘done that way’ because they always have been, and it seems to be fine. And, if you remember the 3-part series on What is Buying Facilitation® (newsletters October, November, December, 2002), buyers have a very microscopic view on their piece of their environment, and sometimes have difficulty recognizing the entire picture. They intimately know the systems around them and they tend to respond to questions using this micro view as the basis of their answers. [If you have not yet read the above series, I recommend you do so, as this is a very important piece of understanding when helping buyers make decisions.]

So, given that the job of sales continues to be defined as a process meant to move product into the hands of buyers (using whatever methodology that can move it), using Dale Carnegie’s precepts will continue to reap the same problems they always have: slower-than-necessary sales cycles - while buyers figure out their internal issues; multiple decision makers appearing seemingly out of nowhere - while the internal systems get organized around change; tough price deliberations - because buyers don’t know how else to evaluate one offering over another; seemingly unnecessary time delays - while buyers attempt to solve the problem using familiar resources; rejection - because buyers don’t know how to justify change.

In other words, the problems inherent in the conventional sales methodology have become standard business problems, occurring across contexts, independent of product or price or delivery system.

SALES ENVIRONMENTS - HOW BUYING FACILITATION® CREATES SUCCESS

Lets look at two extreme forms of sales environments and how they have designed their business strategy around conventional sales practices and problems.

At the low end of the spectrum are the telemarketers and call center reps: they have a script, push the features, functions, and benefits of a product, and play a numbers game. They aim for a closing ratio of one half of one percent of the calls they place. That process defines a huge multinational industry: hire a specialist to create a great script, find plenty of people (in almost any country) who are willing to work for low wages - and train, train, train (there is a 70% turnover due to the sheer boredom and abuse the job bears).

These sellers get ‘no’s’ because they don’t know how to engage the prospect in rapport and don’t help them examine their systems problems - not to mention treating all people like numbers. They base their entire process on finding those people who are actually seeking that particular product, with that particular price tag and description, on that specific day. The process actually is one of the most inefficient sales processes imaginable. With just a few small changes, they can increase their response rate to 2% using Buying Facilitation®. But since the people they hire are such a cheap commodity (especially in countries like India where a lot of this is taking place), they just keep aiming for the one half of one percent close, and keep hiring new people when their agents burn out.

I recently trained call center reps at a software company. Although they were receiving incoming calls, they were able to increase their per-dollar sale from $300 per call to $2000 per call. By using Buying Facilitation® they taught their customers how to take a rational look around their business culture, recognize problems, and be willing to purchase new products to solve the problem, all in one call and five extra minutes.

At the other end of the spectrum are the Senior Partners of large accounting and consulting firms. Although they consider themselves above sales, that’s exactly what they do. They just do it smarter, with an air of greater expertise, more money, more people involved in the sale, better presentations, and with nicer ties. Buying Facilitation® has helped companies at the very high end of the spectrum bring multi-year sales cycles down to months by teaching the buyer how to bring in all the stakeholders immediately, and giving them decisioning strategies so they can coordinate the whole picture - micro and macro - easily and quickly.

Most people in sales truly care about their customers, so I’m being a bit unkind, but only a bit. Sellers would be happy to do it more efficiently if they knew how, but unfortunately, the method that Dale Carnegie created lives on and is still considered the norm, even though we’ve added a few bells and whistles to his original concept. Ultimately, once a sale is based on one person having the answers and finding a way to impress their solution on the other, it becomes an exercise in power, control, and ego.

PROBLEM VS. SOLUTION

Before I clarify how Buying Facilitation® gets rid of the inherent business problems created by conventional sales methods, let me digress and discuss the reasoning behind the continued use of the sales methods as Carnegie defined them.

The thinking goes something like this: since buyers haven’t solved the problems that face them (in the area the product resides), obviously they can’t or they would have already done so. One of the reasons for this oversight, the reasoning goes, is that they weren’t even aware of the capabilities of the seller’s product. Once they are made aware of them, and see how the product solves their problem, obviously they will be smart enough to buy it.

I can’t tell you how many thousand times I’ve heard a seller say that the buyer was a jerk, or stupid, or worse, because they didn’t buy the product they obviously needed. Obvious to the seller, of course.

It’s becoming a known fact that buyers want a solution, not to solve a problem. So the sales community has learned the new lingo about helping buyers discover their solution. But they don’t use skills that will support this discovery, and continue to use problem-solving techniques (information push, product-focused) as a way to sell.

In reality, the only people that can know how to fix a problem are the people that have a stake in the solution - those on the inside. And all the information that sellers collect or share will NOT address the systems necessary to support a new solution on a seller’s site. People do not buy based on information; they buy based on their ability to align all of the systems that need to be included in a solution. And often, the data that sellers collect is just the top-of-mind data - not the intricate systems data that creates a final decision.

SALES VS. BUYING FACILITATION®

Buying Facilitation® is a new sales paradigm, and it fits with our new economic challenges (slowdown, recession, people taking a long time to decide to spend money). It has different skills, a different premise, and different results. It does NOT use the Carnegie thinking, or the consultative methods. It does NOT use the typical product pitch, probing techniques, closing strategies, or questioning approaches. Most importantly it operates on a totally different set of premises:

1. only a person working or living within a culture/system can understand that culture/system.

2. people will do something different only when they are assured that there will not be chaos (or they know how to manage the chaos) when they make a change.

3. a seller is in a unique position to be a brand manager for his/her company.

4. a seller is in a unique position to truly serve a buyer by helping them discover how and what and when and where and why they need to solve a problem within the parameters that exist in their unique culture.

5. a buyer is the only one who can navigate the decision system s/he lives within - the seller has no political capital and truly can only take a macro view since s/he doesn’t reside within the buyer’s team/family/company.

6. a buyer must be able to recognize the differences in competitive product offerings before they make a purchase: it is only when they have recognized precisely what a solution needs to entail are they ready to understand product data and differences.

7. the seller’s job is to help people understand their systems in order for change and before product information is relevant.

8. the seller does not initially need to know or understand the buyer’s needs, and, during the first phase of the Buying Facilitation® process, functions purely as a neutral navigator.

The most significant difference in thinking is that the buyer is the only one who can understand their own needs, given their understanding of all the elements that go into their unique decision and culture. The seller is taken out of this aspect of the equation, until the buyer can specify what they need and how. Only then is it time for the seller to pitch and present their product in terms of what the buyer needs to have happen in order to buy.

So, to summarize: Buying Facilitation® is NOT a new way for sellers to glean the data they need in order to make a sale. It is a decisioning process that teaches buyers how to recognize all aspects that need to be included in a decision in the area of the seller’s product benefits, with the seller being the neutral navigator to help the buyer think it all through.

Here’s a personal story that would be funny if it weren’t so sad. A visionary sales manager from a large multinational hired me to train his group. It was an easy sales process for me, since the person with the checkbook was the buyer, and the Facilitative systems questions I posed were (in his estimation) not relevant since he was a single buyer.

As the training progressed, I discovered that the entire company had been opposed to him bringing in a visionary sales model. Folks had had meetings with him, threatened him, traveled long distances to get him to listen to reason, etc. because they were unwilling to change the system. Since this man had his own budget, he went ahead, but did not bring his annoyed colleagues into the process.

By the time I got there, it was too late: they were lying in wait for him. During the brief post-training coaching phase, the sales numbers lagged. That was it. They began a lethal campaign that led to the redeployment of the trained reps, and a new job - for another company - for my client. Oh. The figures for the month the sellers used the Method were 600% over their projected revenue. It was more important for the system to be stable than a huge increase in revenue.

Contrast this to the success of the Buying Facilitation® implementation at California Closets. When we began the training and discussed the possible points of disruption and chaos, the entire executive management team got on board to create strategies to contain any chaos. As soon as it began, the team put into place their action plan, and mitigated the problems. Now, after five years, they continue to use Buying Facilitation® successfully internationally. The rewards include easier collaborations amongst all stakeholders, as well as increased revenue and long term client relationships.

Remember this: until buyers take into account all of the 8 points above, they will drag their heels, or do something to recreate the status quo. Change is too costly.

The results for sellers when using Buying Facilitation® are:

1. greatly reduced sales cycles;
2. sales people become brand ambassadors for the company;
3. long term loyal business relationships;
4. the decommoditization of products (i.e. no price competition);
5. easy differentiation with the competition;
6. alignment of all stakeholders in a short time period.

ALIGNING DECISION FACTORS

Helping buyers find solutions by thinking through and aligning all of the decision-making factors that create their culture is obviously different than a ’sales’ philosophy (although people buy as a result). But it seems to be a hard bridge to cross to get sales people to understand that their job hinges on the actual decision process rather than the strength and relevance of the product.

Because there is now so much access to data, sellers actually think they have all the ‘data’ they need to ‘help’ a buyer know how to buy. And while they might have all the data, unless they live with that family, or sit in on team meetings and share projects and phone calls and gossip with a team for months and months, they will never understand HOW buyers make their decisions, and the criteria they use in order to choose to make a change.

Indeed, buyers might not consciously understand the ‘hows’ either. But make no mistake: until they do, they won’t buy anything. They need to do it with you or without you: it might as well be with you.

Buying Facilitation® (for those of you needing a refresher) is a questioning methodology that uses systems thinking to help buyers figure out what a solution needs to look like:

- so they don’t have unmanageable chaos;
- so they don’t step on political toes;
- so they assemble all the relevant criteria of the players;
- so all the players are on board;
- so they link all of the history and politics with a new solution.

It’s not about the product; it’s about the norms of the buying culture. And the seller has NO WAY OF KNOWING the buying culture.

So even though you have the exact right product, if the buyers can’t make sense of their own norms and values and beliefs and history and future and stakeholders, you can’t sell it.

I recently spoke with someone who is running programs in one of the new sales methods, purported to be the ‘next step’ from Consultative Sales. What have they done? They’ve added questions that help sellers handle the anxiety brought about by pushing a solution from the seller’s perspective.

Sellers are recognizing the problem - they can’t make a sale unless a buyer makes a buying decision; but they haven’t figured out how to handle that problem using the original thinking that Carnegie gave us. They continue to use the same methods with the same basic beliefs. In fact, the person I spoke with said, “Buyers don’t know what they need. We take care of that by helping them work through their anxiety.”

Nice. But imagine if you didn’t try to sell. Imagine if you led buyers of any type of product, in any market, through a simple process that taught them:

1. how to look at their environment with (their own) new eyes;

2. how to stop and consider all of the political and historic factors that not only got them where they are, but are planned to be used into the future;

3. how to fix it themselves if they can (so they know it’s time to seek a different solution if they can’t);

4. how to understand and align and handle all of the stakeholders and policies that have kept the status quo where it is.

Until or unless a buyer does all of the above, they will not buy. Remember: the time it takes people to come up with their own answers is the length of the sales cycle.

Dale Carnegie’s methods (including Open, Probe, Pitch, Close) taught sellers how to sell. There are no skill sets within his belief set that support buyers in discovering the unique, idiosyncratic solutions they, and all their stakeholders, need to create in order to make a new purchase that involves more than one person.

Given our economy is at such a difficult juncture, it might be time to apply Buying Facilitation® and help support those decisions.

Sharon Drew Morgen - EzineArticles Expert Author

Sharon Drew Morgen is a thought leader, and the author of New York Times Bestseller Selling with Integrity, Sales on the Line, and Buying Facilitation: the new way to sell as well as over 400 articles. She is the pioneer behind the visionary sales paradigm the Morgen Buying Facilitation Method®. As the architect of a wholly original sales model, Sharon Drew has provoked, inspired, and motivated thousands of sales professionals world-wide. With a history as a million-dollar producer and 30 years in sales, an entrepreneur of a successful start-up, and a sales consultant in many Fortune 100 companies, she brings field knowledge as well as innovation to her audiences.
She can be reached at: http://www.sharondrewmorgen.com

Filed under: Sales Management — Admin @ 7:01 am

Cartloads of Graces

” … When he saw the carts Joseph had sent to carry him back, the spirit of their father Jacob revived” (Genesis 45:27b).

What a thrill Jacob must have experienced when his sons told him that his beloved Joseph was alive and when he saw the wagon that was to take him to this long-lost and cherished son! Kindness such as Joseph’s becomes the very food and medicine to initiate strength and action.

“When he saw the carts,” his faith was renewed and his heart recovered. Even his old character is revived: “And Israel said, `I am convinced!’” V.28. When his son had died, so he thought, Israel died, as well. Now the anguish of those years since Joseph’s disappearance and its purpose is to be made clear. God’s objective is accomplished, and it is merciful.

How many of us are discouraged and waiting for our wagon-load of graces? One of the greatest lessons in the story of Joseph out of a multitude of illustrations is his perseverance in his own sorrows, and his graciousness to others in the midst of his own cart-load of cares. If we are troubled, it might help us to send another a cart–a card, a word of love, a hand that lifts–for their cares.

Yet another joy here is knowing that God does not leave us in our burning desert alone without provision and protection. We would starve to death if it were not for God’s graces: His wagon-loads of promises to transport us beyond our meager selves to His land of the best. Faith in the probability gives us the ability to go on. Sense sees the reality of the vehicle of faith, and the faith propels us forward to grasp the cart-load of mercies that our Father so willingly tenders to us.

Ah! we thank You, Father, with full hearts!

Filed under: Spirituality Tips — Admin @ 6:18 am

Bad credit - why so prevalent?

Many “experts” blame the epedemic of credit problems in current
society on factors such as lack of stable permanent employment,
relegation of importance of marriage and the family unit,
inadequate healthcare and insurance provision and failing
government support for established industry.

However there have always been redundancies, marriage break ups,
unexpected bills, health problems and every other logical reason
for people to have problems with existing financial commitments,
so why do these situations now cause so many problems for
individuals and families in the western world (the UK and USA in
particular).

Well the first reason is simple, prior to the existing “big
brother” situation it was possible to encounter temporary
financial problems and to recover from them over a period of
time no harm no foul as long as debt was repaid. Most companies
would be happy to deal with you again as they can see you had
problems but made the effort to overcome them. Other companies
would also be happy to deal with you as they probably would not
even know about past problems. This is not the case nowadays,
every missed/late payment is there for all the world to see!

Secondly, in the past during hard times it might have been
possible to obtain further borrowings from a helpful local bank
manager sympathetic to your current situation to see you through
times of adversity, again this is not the norm today, the bank
manager can still be sympathetic, but its the computer that
makes the decisions and if you are behind with existing
commitments and this is reflected on your credit file the
chances are the computer will simply say no!

Thirdly credit never used to be so easy! Back to the local
manager/advisor again, you would be expected to show how exactly
how you can repay the borrowings and go through existing
commitments, nowadays its easy to lie on an application form or
internet site with no face to face meetings, many people borrow
beyond their means.

Filed under: Finance News — Admin @ 3:58 am

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