Nelayan di Wales Terkejut melihat Besi Buruk yang Tersangkut Pada Pukatnya Adalah Keris yang Berasal Dari Tanah Melayu!

Halaman

Selanjutnya :

Investing in the Future By most accounts 2009 agency growth and new business production gets mixed reviews. Early on, most of my clients were guardedly optimistic about 2009 while over all industry thinking leaned towards pessimism. Most of my clients were coming off a decent 2008 characterized by significant growth, high retention and decent margins. All were concerned about shrinking premiums but most had confidence in their producers and our process to generate enough activity and new business to keep pace with shrinkage. In the last 2 quarters I've seen optimism turn to concern and even fear as the market shows no bottom and the recession places financial strain on clients with reductions in exposure negatively impacting premium. Several sectors, particularly, the construction trades have slowed considerably resulting in shrinking renewal and bond revenue. Prediction: 2010 will be a highly profitable break out year for some, and extremely challenging shakeout year for the rest. I know, I'm hedging both outcomes, but both are predictable and you don't need a crystal ball to divine these outcomes. If you have any gray hair, you've seen this before. In the past, those who prospered in difficult times had strong cash positions and willing to invest and take advantage of bargains. The three areas we should be investing in as the market continues to decline are: Talent Technology Undervalued portfolios To prosper in a recession, agency owners must trim fat and reinvest strategically in their companies. Hire talent cast off from failing agencies and companies. In 2009, the insurance industry will lay off an additional 2-3% of its talent pool and freeze hiring on new talent entering into the marketplace. Smart agency owners and managers will take advantage of this glut by gobbling up good talent at bargain prices. Begin looking in earnest and budget to add producers and CSR's in 2009. Hire A players and pay them well...you won't be disappointed. After the new year and in years to come there will be a surplus of A players at bargain rates. Smart owners will be there to scoop them up when they become available. Invest in technology that creates distance from the competition through differentiation to give you a competitive edge. This may be more impactful in a recession than in a booming economy. One reason is the law of supply and demand. The loss of a large client is more devastating in a recession, because there are less of them, and they are more difficult to replace. Invest in technology that larger prospects will see as valuable, and want as they try leverage vendors to cut costs and become more efficient. Your ability to attract and take business from the competition in a challenging market can create a tipping point, which puts significant strain on the competition and creates opportunity for you in the area of distress acquisitions. Below is a list of "The best of the best in technology " that I have come into contact with in 2008 and will continue to support and invest in for my clients in 2009. Zywave Mywave Go to Meeting Sales Nexus Polycom Video Conferencing All create significant improvements in differentiation, client service, communication, and sophistication and sales management. Zywave and Mywave with their broker brief case tools and their client portal help agencies create sophisticated and significant advantages on which to sell and retain customers. Most clients use less than 10 % of its capabilities and while it is relatively expensive, if you can afford it, get it before the competition does. This product alone, if used properly can expand capabilities and create service platform and level of sophistication previously reserved for the top 100 with strong IT and significant budgets. Go to meeting is an in expensive method of creating and delivering online presentations from your desktop computer. Go to meeting allows you to project your desktop onto their computer for viewing. Anything on your desktop can be shared with up to 18 computers simultaneously. It includes a conference call center, is simple to use and costs less than $100 per month. This is an excellent, inexpensive method to deliver professional presentations, webinars, meetings and training programs inexpensively. Sale Nexus is one of best sales tracking tools I have found to manage pipelines, prospects and producers online. Nexus uses a simple template where producers input vital information about individual prospects. Once entered it is logged into his/her pipeline. Nexus then tracks the prospect through the stages in sales cycle and creates a variety of valuable reports by producer, by department and by agency. It keeps track of individual and agency sales goals, it generates hit ratios and quantifies adjusted pipeline revenues required to attain goals. Sales Nexus can be accessed online to review or update by producers, managers or anyone who has access. I use them to help run sales meetings and to motivate producers who are behind. These reports are in real time and let me know exactly where each producer needs to be at any time to be on track. Polycom Video Conferencing: The best system I have found for high quality videoconferencing. Ideal for running meetings where an agency has a large footprint with many locations, this system allows for 2 way audio video conferencing for up to 6 locations with expansion capabilities for many more. With zoom and pan features and conversational stereo, the quality is as good as TV. Additional components allow you to tape meetings and training sessions for review and re-enforcement. Applications are limitless. I purchase Polycom for all of my clients and Polycom will continue to be a major investment for my firm as I continue to improve and expand my service platform and grow my practice. Acquisitions: I am not an acquisition consultant, but it doesn't take experience to understand how the forces of competition, shrinking premiums, tight margins, aging producers and no perpetuation plan might create a compelling reason for owners to decide to sell for a reasonable profit...NOW. Well -established agencies with good reputations are feeling the pinch and are getting attacked from all sides by larger competitors. Even Marsh has jumped into the fray with a division aimed at middle market sector business. For agencies that depend on a few major markets, a combination of recession, competition and a hard market could spell disaster. Agencies seeking to grow through acquisition should follow up on old conversations and put their feelers out. Up or down, the market creates opportunities on both sides of the curve. The difference is that when times are good, typically everyone benefits. But when times are bad, only a few savvy business owners prevail. Those who have the prescience and the resources to invest intelligently will take advantage of bargains while the competition sits it out on the sidelines. Warren Buffett is fond of saying; "This is how fortunes are made." David Connolly President iQ Consulting Inc. P.O. Box 47567 Plymouth MN 55447 612-414-5618

10 Easy Steps to Succeed in Your Online Classes

Congratulations Youve made up our minds to pursue your upper schooling, and doing so online is how to pass if you have an interest in a versatile, studentcentered educating manner. Studying online permits you to pursue different pursuits and attend to different responsibilities whilst nonetheless operating your method towards some extent. However, it will now and again imply that its clean to get distracted. Here are 10 clean steps to verify luck on your online categories.

1. Connect together with your instructors once conceivable. Even in case you are doing smartly within the category, its extraordinarily vital to increase a rapport together with your trainer. When you do that early on, you temporarily understand what the priorities are within the route, what expectancies the professor has of you and youre going to be motivated to prevail, surer of whats forward and higher ready to do smartly with the impending subject material.

Valuable questions to invite your trainer come with the next

How versatile are you with time limits How versatile are you with grownup freshmen What applied sciences do you employ within the route How to be had are you through e mail and different sorts of verbal exchange How do you put up an internet neighborhood and what are the expectancies for participation in it In addition, since instructors are to be had to lend a hand all over the classes, its all the time just right to have had private touch with the trainer early on. This method, when you wish to have lend a hand, its more straightforward to achieve out and get the help you wish to have.

2. Confirm the technical necessities of the route. Online categories can also be very advisable for college kids with busy schedules, however provided that they are able to simply get right of entry to the fabrics. It is vital to obviously perceive what the technical necessities are. So, ahead of the route begins or as quickly thereafter as conceivable, youll want to test that your pc will paintings with the entire online equipment, and that you understand how to navigate them. This will be sure that you dont must spend time all the way through the route attempting to determine the generation.

three. Create a time table and stick with it. Quality online instructors create classes which might be clean to navigate and feature transparent expectancies. Having that roughly easytodealwith framework in position will make learning and succeeding that a lot more straightforward. However, although the framework and necessities of your category arent as transparent, youll create a time table and construction, which is able to very much fortify your probabilities of luck within the route. Using equipment equivalent to Google Calendar is a good way to start out. Knowing how your weeks and months glance and scheduling blocks of analysis time for each and every activity or module will will let you stick with a time table.

four. Ask questionsall the time. When you dont perceive, ask questions. When you do perceive, ask additional questions. Instructors recognize scholars who take part, and if theres a participation or dialogue part a part of the grade, then asking high quality questions is helping guarantee your grade on this space. Even if there isnt a participation part, its all the time helpful to invite inquiries to remember to perceive the fabric and are transparent on what is needed of you.

five. Be arrangedand keep arranged. Students whore taking conventional, campusbased classes most often have a constant time table to observe each and every week, through which study room instruction is adopted through assignments out of doors the category. However, for online classes, scholars will have to search out their very own techniques to stick on most sensible in their paintings. It is crucial that you just be arranged from the start of the semester with the intention to achieve success in an internet route. For instance mark task due dates on your calendar, discover a submitting machine for each online subject material and bodily subject material that is helping you stay monitor of the whole lot simply, and shed light on find out about schedules that duvet sections of the route one by one so youve got an arranged tactic to protecting the semesters subject material as you pass alongside.

6. Have a blank, quiet, and constant workspace. One factor online and inclass classes have in not unusual is that scholars all the time want a spot to review or whole assignments this is blank, quiet, and constant. You can select the place that is for youwhether or not its at a espresso store, a college library, a devoted place of business, or at house. Wherever you select to review and whole assignments, you must make it a constant location that doesnt have out of doors distractions. It is basically key that where is quiet and lets you focal point in your paintings with out distractions.
7. Do no longer procrastinate. Successful distance freshmen hardly procrastinate. They dont do away with assignments or wait till the final second to write down their papers. Successful online scholars experience freedoms that come with operating at their very own tempo and the facility to finish their paintings in as a lot time because it takes them. On the opposite hand, they know that finishing their assignments is best performed early and on time cramming merely doesnt paintings, and it doesnt will let you retain knowledge longterm. Get began early on getting a success.

eight. Work in your studying comprehension. Successful distance freshmen generally tend to have just right studying comprehension abilities. Most conventional, campusbased scholars concentrate to lectures and take notes, and a few online classes additionally require this. However, the vast majority of distance freshmen are anticipated to grasp subject material thru a large amount of studying. Although far finding out classes be offering video recordings and audio clips, maximum systems require scholars to hide and grasp a considerable amount of written knowledge. If it is a problem for you, it could be very useful to first sign up in a studying comprehension route there are lots of assets online that will help you do that. This ability by myself could make a huge distinction on your luck.

nine. Establish and admire routines that be just right for you. If, for instance, youre employed best within the morning or in brief bursts, then set find out about routines that can help you find out about within the prelunch hours when your mind is contemporary. If, then again, you do best through learning at evening or at the weekends when youll devote nightowl hours or longer blocks in your learning, then make it some degree to take action. Consider how and whilst you paintings best, and enforce a find out about plan that respects the routines that be just right for you.

10. Connect together with your friends. Establishing sturdy connections with friends and professors is a very powerful facet of tutorial luck, in addition to skilled development. One of essentially the most rewarding reports in schooling is finding out thru collaboration. Forming significant relationships together with your friends and professors can can help you be told extra, keep motivated, and feature an outlet to specific your personal working out of subject material. So, keep attached thru message forums, chat rooms, e mail, and different digital assets. And take note lots of the other people you meet in faculty shall be conceivable process assets down the road so determine connections and keep in contact

Florida National University gives a wealth of tutorial and professional online classes. Check out the entire choicesyour long run is ready

Share on Facebook

Share on Twitter

Share on Google+

Share on LinkedIn