2010 Offering of Letters


Image by Bread for the World

Debt management services ? don’t ignore them

Have you found yourself in a bit of a financial black hole, wondering where the money goes? Are you in a position where every month you are struggling to make ends meet, shifting funds around in an attempt to keep your creditors at bay? It’s not an uncommon story the length and breadth of the UK. There are plenty of people in the same leaking debt boat, frantically bailing and trying to work out ways to deal with their financial problems. At least those with the realisation that there is an issue that needs to be addressed are facing up to the less than convenient truth they have money problems and are seeking debt management services to assess the lay of the land and implement a viable debt management solution. They are the fortunate ones.

The poor souls in the worst of trouble are the ones in denial. Those who simply refuse to acknowledge their financial woes and try to avoid tackling them head on with informed and impartial debt advice. The problem (as we all known deep down inside) is that these things just won’t go away of their own accord. And rather than retaining an element of control over events and being in a position to act out of choice, the debt advice deniers soon find themselves hostages to fortune and forced to take drastic measures to sort the situation out.

Which side of the reality line are you on? Do you deal with this through a proper debt management services to craft a viable debt management solution side? Or the head in the sand debt advice avoider, the person who crosses the road to avoid debt management plans for fear that the cold light of day would be too much to take?

As the effects of the recession drag on and increasing numbers of people begin to feel the squeeze on income and savings, so the number of people having to choose between facing up to financial problems or just wishing them away will rise. Now is the time to realise that there is plenty of help at hand if you want it. Experienced, impartial and best of all… free. Debt management services that can quickly and expertly help you turn your financial problems around, saving you both money and sleepless nights in the process.

Filing for bankruptcy involves choosing between a Chapter 7 or Chapter 13 bankruptcy and should be done with the aid of a lawyer. Consider credit counseling before filing for bankruptcy with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

www.caprocessing.com – Video promoting the debt management services of CA-based CAPC Debt Management. Get a free debt quote online.

Debt management services ? don’t ignore them

Have you found yourself in a bit of a financial black hole, wondering where the money goes? Are you in a position where every month you are struggling to make ends meet, shifting funds around in an attempt to keep your creditors at bay? It’s not an uncommon story the length and breadth of the UK. There are plenty of people in the same leaking debt boat, frantically bailing and trying to work out ways to deal with their financial problems. At least those with the realisation that there is an issue that needs to be addressed are facing up to the less than convenient truth they have money problems and are seeking debt management services to assess the lay of the land and implement a viable debt management solution. They are the fortunate ones.

The poor souls in the worst of trouble are the ones in denial. Those who simply refuse to acknowledge their financial woes and try to avoid tackling them head on with informed and impartial debt advice. The problem (as we all known deep down inside) is that these things just won’t go away of their own accord. And rather than retaining an element of control over events and being in a position to act out of choice, the debt advice deniers soon find themselves hostages to fortune and forced to take drastic measures to sort the situation out.

Which side of the reality line are you on? Do you deal with this through a proper debt management services to craft a viable debt management solution side? Or the head in the sand debt advice avoider, the person who crosses the road to avoid debt management plans for fear that the cold light of day would be too much to take?

As the effects of the recession drag on and increasing numbers of people begin to feel the squeeze on income and savings, so the number of people having to choose between facing up to financial problems or just wishing them away will rise. Now is the time to realise that there is plenty of help at hand if you want it. Experienced, impartial and best of all… free. Debt management services that can quickly and expertly help you turn your financial problems around, saving you both money and sleepless nights in the process.

Sales Management in This Recession – Improve Your Sales Team?s Performance

We limit ourselves when it comes to selling and business development. Here is another story from my networking association meeting the other night.  This article can help you or your people overcome self limiting sales beliefs and develop more business faster.

Back to the two ladies I talked about in my previous story, after I asked my favorite question.  “So ladies, what are your major issues as it relates to business development during this economic down time,” here is what happened.

I started giving my suggestions about what they could do about the low price issue (see previous story.)  As I’m talking, one lady is sort of listening as the other is checking out all the other people to see if there is someone better that she can network to.  As people walk by she actually starts talking to them as I’m talking and then comes back to my golden nuggets of selling wisdoms.  Obviously she wasn’t interested in hearing what she could to do about her issue.  The other paid a little closer attention, but then wanted to tell me why the customer was wrong.  Basically, without words, she told me she was going to continue doing it her way.

Now here is the irony.  These people need to win more deals.  Their business floats with the economy, meaning good economy, more business and bad economy, less business – always the same share or the pie.  Yet, their employers want business – no matter good or bad economy.  This means in a bad economy their share has to get bigger or they have to beat the competition more often.  So why don’t these people want to get some tips and try to use them?  Here are 2 reasons why.

People that are employed are content and feel they don’t need to do anything different.  If anything they want to change their employer – i.e. complaints, suggestions, and excuses.  Even if they are on an incentive or commission they blame the company for their failures.  That’s why I advocate a negative commission, i.e. you lose money if you lose a sale that’s forecasted.

These people have no reason (in their mind) to change.  This is where management has to step in (a) to tell their people what they have to do – coaching, and (b) then hold them accountable for producing results – task master.

People hold themselves back.  From childhood we are conditioned to attain a level (get a job.)  People get so far i.e. employed with a steady paycheck, and they have subconsciously reached their level.  Yes, everybody says they want more, but they are held back by their own negative self talk, and this, believe it or not, keeps them in their comfort zone.  Subconsciously they are saying, “The devil I know is better than the one I don’t.” or “Why invest in self improvement, I’m good at what I do.” or “This is as good as it get’s.  Why risk, why make the effort?” or “It’s everyone else’s fault,” or some other limiting negative self talk.

This again is where managers have to step in.  They have to realize these self limits about their people and (c) train them on how to sell,- trainer (d) show them on how to do it, – mentor  and (e) again, hold them accountable for the implementation – task master.  The lack of accountability for implementation is why training and self-help fails.  Without reinforcing the changes, the negative self talk that is solidly programmed in the minds of everyone, takes over and sabotages any progress towards change.  See John Assaraf’s book The Answer for more on this topic.  www.johnassaraf.com  

So the moral of this story is that employed people do not have the incentive to change.  They are content in their status and unless someone – like a manager – is not content with their outcome, nothing will happen to raise the level.  It’s as good as it gets with more of the same happening, but everyone hoping for better results – the classic definition of insanity.

And now I invite you to learn more.

Bonus tip:  If you’d like to see to what extent your people limit themselves, use this FREE SALES TEAM ASSESSMENT TOOL.  Just click this C-Level Relationship Selling Link -  http://takemetoyourleaders.com/Assessment . Sam Manfer makes it easy for any sales manager to be effective coaching his or her sales people to feel comfortable connecting with and relationship selling C-Level leaders.