Qualify Leads And Prospects

If you are not selling the product or service to the correct lead, you will end up wasting a lot of money, time, energy and resources. So what you should do to qualify leads and prospects? How will you know whether a prospect is fit for your offer? Will the lead ultimately lead to a sales opportunity?

You should invest your money and time only after qualifying someone. Only then you should start selling the service or product to the prospect.

If you are not quite experienced you will jump at the given opportunity without properly studying the prospect. What happens here is you are trying to selling something on an assumption without the proper background check. It may or may not culminate in sales. Only mindless salespeople will do this kind of marketing and they will end up losing their energy and time chasing wrong leads.

Instead of talking all the time, try to listen to your prospect. Then you will understand whether he/she is a qualified prospect. If you listen to them your chances of selling

Borrow Money Against A Shared Inheritance

An heir may have to wait months and even years in order to get their inheritance distributions. This is because of the length of the legal process involved. So, an heir is allowed, by means of cash advances or loans, to receive funds in a matter of days. It has no effect on the other heirs of the estate. A portion of the estate is assigned by the cash advance company, in exchange for the loan. Here is how you can get an advance on your inheritance.

• You need to first determine whether you have the eligibility for an inheritance cash advance or not. Advances are only typically received by the heirs from probate assets. Probate assets are bank accounts, insurance policies, real estate, company interests and other assets that were only owned by the decedent. Non-probate assets include trust, retirement accounts or any accounts that are jointly held with another person.

• You need to first determine what amount of money you want to lend from your shared inheritance. The usual range of inheritance loans and advances are from $5000 to $250000. Select

Be Free From a Poverty Mental Stronghold

If you feel you might have a poverty mental stronghold keeping you from your earthly wealthy place and you want to be set free, then this article is for you.

Gary was a Christian who had been taught in church that it was good to worship and serve God, but to have an abundance of “things” was not acceptable. The “prosperity message” was taboo. However, he eventually discovered that according to God’s Word, financial prosperity was the Christian’s inheritance and we are blessed to be a blessing.

“Beloved, I wish above all things that thou mayest prosper and be in good health, even as thy soul prospereth” (3 John 2).

So Gary began to implement all the prosperity truths he had learned, but instead of getting out of debt and enjoying the abundant life, he continued to flounder financially and stayed in debt. Fortunately, one day the Lord revealed to him the problem. All the earlier teaching on how it was wrong to seek prosperity had become a poverty stronghold in his mind that kept him out of his God-ordained wealthy place. The Lord revealed to

Handle Sudden Wealth

If you have never managed a large sum of money before, it is much easier than you might think to squander your newfound wealth. Before you go on a spending spree or stuff the entire amount into your mattress, it’s crucial to pause and instead prepare a comprehensive plan to handle your new financial reality. Taking a calm and measured approach can help you to avoid common pitfalls and to make the most of your resources in the long run.

Traps To Avoid

HBO’s new football comedy “Ballers” focuses on Spenser Strasmore, a former NFL player turned financial adviser, and the pro athletes he advises. While the show incorporates all the heightened drama you would expect, the struggles with financial stability it depicts are all too real. And it isn’t only football players who run this risk. There is a long list of lottery winners who burned through large winnings in a few years, and 70 percent of affluent families lose their wealth by the second generation, according to the Williams Group wealth consultancy. Conspicuous consumption is the default answer, and sometimes spending unwisely is indeed the culprit. But while it is easy to judge football players who buy huge mansions and young adults

Manage Your Money

To be able to effectively manage your money, you have to cultivate some attitudes; the more you translate these attitudes to habits, the better you are with your money. Fortunately, you do not need to be an accountant or have any financial knowledge to be a good manager of your money. You can develop effective money management habits by taking the following simple steps.

1. Set up a budget and most importantly, stick to it. The rule is to spend less than you earn. Having a budget helps you track your spending, i.e. you know what you spend money on, on a daily basis. You may be amazed that those little amounts you spend on certain routine adds up. One good way of tracking your spending is to open a bank account.

2. Understand the flow of your income: Know what you earn from your job or your business. Know your true income. If you are a salary earner, your true income is your earning minus compulsory deductions such as tax, pensions and other statutory deductions required to be taken out at source by your employer. If you are a business man, place yourself on a salary and discipline yourself by living

Handle Your Finances After Marriage

It is important that you make any significant financial decisions jointly as a couple to avoid creating financial frustration and aggravation in your marriage. The first thing you should do with your spouse is to establish a joint budget. To do this you will need to be completely honest with your spouse about your income, debts, assets, and credit history. The easiest way to create a joint budget is to itemize your monthly income and all your debts. This information should include all your monthly bills from your rent or mortgage, auto loans, student loans, installment loans, and credit card balances. Both of your individual financial plans have just become one joint plan, so it is important to know exactly what both you and your spouse spend your money on. Whether you decide to share in the bill paying responsibilities or to entrust one spouse, both parties should be aware and able to find out what the household income is being spent on. When creating your new joint budget, you will find that there are many areas that you will be able to save money. Most households can save quite a bit of money by combining insurance, utilities, consolidating debts,

Get Lean and Mean With Money

There’s a lot to be gained from adopting the lean philosophy in your personal, professional and financial life, if you want to be successful with your own goals. Let’s look at some of the ways to accomplish this.You can get lean with your time by becoming more productive at work, getting the most out of your commuting time, using technology to improve your output, and making the right choices when spending your time to generate an income.You can also utilise another important resource — your money — more efficiently. In theory, money is not in limited supply like time which is finite, but you still have to ensure that you make the best use of your funds to get the most optimal return.

Operate an efficient money production line

Imagine that your life was like an assembly line at a manufacturing company. Just like the person in charge of production, you would want to ensure that none of the raw materials were wasted and that you got as much finished product as possible out of your machinery time and employee effort.Let’s review the Japanese words for inefficiencies — muda means idleness or wastage of resources when trying to

Choose the Right Bank For A Fixed Deposit Investment

It provides a steady interest stream and can be a lot safer than equity investments or mutual funds. However, when choosing the financial institution in which to make the deposit, carefully consider some important factors.

Choosing the Right Bank or Organisation

You can safely open an FD account with any PSU or large private sector bank. You can also open an FD account. Many corporates also invite fixed deposits at attractive interest rates, to raise funds for operations.However, don’t decide where to invest based solely on the rate of interest offered on your deposit. It is one of the important considerations, but there are other details you need to look at.


Public and private sector banks operate under the control and supervision of the Reserve Bank of India. They have to comply with the rules and regulations of the RBI, and cannot default on payments.However, if you opt for a corporate FD, they’re not regulated by the RBI, and you undertake a substantial amount of risk. Corporate FD might offer higher interest rates, but the safety of your money depends on the company’s financial stability.

Fees and Charges

If you decide to close an FD before the maturity period, your bank may levy a penalty

Find Mass Money

The truth is that this is very possible. It is referred to as “mass money” or “unclaimed property”. It can be anything such as checks, savings, contents of a safety deposit box, refunds of utility bills, insurance policies, stocks, bonds, just to mention a few.
How is it possible to have such money without knowing about it? The answer is simple. People always move to a new home but during the hectic process of doing so, one forgets to give the new address making it difficult or even impossible to be notified . Whenever you can not be reached in order to collect the money sent to you, that money remains unclaimed until the rightful owner files a claim. So, in order to find some if any “mass money” just follow a few simple steps with the use of the internet.


In the search bar write “mass money” or “unclaimed property” and the state you live in at present. A search box will appear on the screen. Fill in your name, spell it as it appears on official documents, ID cards, passports, driving license etc. and your address.


Follow the directions on the screen to submit your claim. Fill

Measure Risk Will Affect the Success

When financial advisors (stock brokers at the time) would ask (that’s assuming they did ask and not simply check a box) it was a multiple choice with options such as conservative to moderate to aggressive with maybe a couple of options in between. Back at the turn of the century, the industry added a little more emphasis especially as the population aged on articulating the five or eight multiple choice answers to gauge and to make recommendations based on the client’s comfort level of risk.

Nothing epitomizes this financial planning term than the advent of Target Funds. One core belief is all that is ever saved for something big is that the older you get the less risk you should take. Seems reasonable, but some very bad things happen within the uncertain cloud of reasonableness. However, there is some wisdom in not treading in bumpy waters when you have less time to recover from market corrections. So, what could go wrong with that logic?

Target Funds have their place in retirement plans and 529 plans. An easy access to a hands-off professionally managed account whose embedded promise is to lower the volatility of the portfolio by rebalancing into a higher concentration of

Manage Your Financial Problems

If you are young and buying your first home, it can be a critical time in your life. Nonetheless, it’s also extremely exciting to imagine that you are setting off to own your property interestingly. This is really the American Dream at work! Chances are, your mortgage payment will be more expensive than whatever rent you were paying before you were a homeowner. You might be stressed over how to budget after you close on the house, yet you will catch on speedier than you might suspect. If you couldn’t manage the cost of the house, the bank wouldn’t have given you the loan, so motivate prepared to crunch some numbers and appreciate the first year living in your new abode.

Pay Attention to Your Lending Officer

Prior to your loan is even endorsed, you’re lending officer should sit down with you at the bank and give you a snappy once-over of the numbers. If they don’t, you should ask them to do as such, or discover a lending officer that will; it’s absolutely OK to shop around for lenders, especially in this economy. When you meet with your lending officer, don’t be reluctant to ask questions and/or take notes. When you

Increase Your Investment Portfolio Efficiency to Outperform

Mutual Funds, ETFs or SMAs all have one debilitating feature, with the amount of money deposited into each of these bundled products, it is impossible for efficiency. Pop quiz: when considering a group of ten stocks, is it better to have most of them make a substantial rate of return while some of them lose proportionately or to have each stock either make zero or a nominal rate of return. Historically speaking, bundling equities in a product like a mutual fund, would result in 6 positions with positive returns, 1 relatively flat while the rest fall into negative territory.

For example, Portfolio 1 on the plus side had 3 stocks that garnered 15%, two at 10% another at 5%. To finish off the portfolio, each stock had 0%, -5%, -10% and then -15%. I’m sure if you paid any attention to the stocks in your mutual fund, you would be pretty happy seeing those types of returns and unfortunately, many of you do. Now Portfolio 2, our high efficiency model, would have returns that brought returns of two stocks that had 10% return, 8 stocks at 5% and the last one at zero. Not very exciting, so what’s the difference. Believe

Turn Your Negative Cash Statement Into A Positive Cash Statement

Look into your monthly budget – To get started, it is a wise decision to have a look into all possible monthly expenses before you sort out your list. Focus on your top ten options from the list and narrow down as it is certain that one or two from the list may not be important expenses. This is one effective way that can help you save some amount of money by the end of the month.

Cutting down unwanted expenses also means that you have to ditch some of your leisure habits. Some of these habits can force you to spend unnecessary money every day.

Working on your budget also means that you have to try and follow it strictly. One of the main benefits of planning your budget is that it helps you get familiar with your total income and expenditures. Your budget should only include expenses that are very much important and cannot be avoided. It’s all about your needs verses all your wants and desires. Before you spend any money you need to keep in mind that unnecessary expenses will leave you broke by the end of each month.

Automobiles are one the luxury gadgets that can force you

Pay Off Your Home Loan Sooner

Are you looking for ways to save on your home loan? Following these simple tips will put you on the path to paying off your loan sooner or if your goal is to purchase an investment property, creating equity from which you can draw on.

Increase your repayment amounts
The simplest way to pay off your home loan sooner is to increase the amount you repay. By repaying more than the minimum you can cut the overall term of the loan and save thousands of dollars in interest. The more you pay off earlier on in your mortgage, the more you’ll save over time. Some products may charge you an early payment fee for paying your loan in advance. These costs can be large, so it’s best to always check beforehand.

Consider how mortgage features can help
Think about how using an offset account or a credit card linked to your home loan might help you keep your loan balance low. If you’re looking for ways to keep your interest down, it’s worth investigating what other features your mortgage comes with.

Take advantage if there are variable rate cuts
A lower interest rate will reduce your repayments, but if your lender reduces the interest rate, consider

Protect Your Retirement Accounts

President Donald Trump which delays and reconsiders the Department of Labor’s fiduciary rule, scheduled to go into effect in April, may mean higher costs for individual investors and retirement plans, especially 401(k)s offered by small businesses.

Fortunately, the threat of the regulation had already started to change the way financial institutions do business. Some firms have moved away from their higher-cost products and toward making their fees easier to explain to clients.

Investors should always keep a close eye on how much they’re paying, since a fee of 1 or 2 percent can have a surprisingly large cumulative impact on their financial future if it’s charged yearly.

For example, did you know that mutual fund returns in 401(k) plans are normally reported as net returns, meaning that fees for managing your investments are subtracted from your gains or added to your losses before calculating the annual return. Other costs, such as administrative and record-keeping fees, are often divided among plan participants but are not explicitly listed on individual investment statements. This lack of transparency is frustrating for investors.

Investors should also ask detailed questions about how their advisers are being paid. What incentives do they have to steer you into products they recommend? An

Manage Personal Finances

There are some very simple ways one can implement in order to be able to manage their personal finances.

Planning Goals- To be successful with almost every sphere of life, knowing what you want (Goal) and how you will achieve it (Plan). Make a list of your short-term, medium and long-term goals. After you come out with a list, figure out the time, expense of each of your goals and then plan what you need to be saving on weekly, monthly and on yearly basis to reach your goals. Goals may include making plans for things such as retirement, housing, child welfare and others.

Budget- For everything that you decide to spend money on or you are planning to go doing shopping make sure you have a budget and follow it religiously. This will go a long way in keeping you from doing unnecessary impulse buying.

Do not spend more than you make- Make sure you check your cash flow properly, will obviously show you areas where your money is leaking and make sure to reduce your expenses.

Prefer using a debit card- When using a debit card, one is only allowed to spend to a certain level and this helps in taming

The Accountants’ Perspective

Equity financing, simply put is raising capital through the sale of shares in an enterprise i.e. the sale of an ownership interest to raise funds for business purposes with the purchasers of the shares being referred as shareholders. In addition to voting rights, shareholders benefit from share ownership in the form of dividends and (hopefully) eventually selling the shares at a profit.

Debt financing on the other hand occurs when a firm raises money for working capital or capital expenditures by selling bonds, bills or notes to individuals and/or institutional investors. In return for lending the money, the individuals or institutions become creditors and receive a promise the principal and interest on the debt will be repaid, later.

Most companies use a combination of debt and equity financing, but the Accountant shares a perspective which can be considered as distinct advantages of equity financing over debt financing. Principal among them are the fact that equity financing carries no repayment obligation and that it provides extra working capital that can be used to grow a company’s business.

Why opt for equity financing?
• Interest is considered a fixed cost which has the potential to raise a company’s break-even point and as such high interest

The Brains Behind the Investment

It may, at first, seem a strange relationship, but neuroscience has allowed us to better understand how the brain works and how decisions are made. This is key to understanding investment decisions, so, when viewed in this light, it is a perfectly natural connection to make.

Studies on risk: the investing brain

A recent U.S. study looked at the effect of different levels of monetary risk on the human brain. 61 participants were asked a variety of questions such as “Would you prefer a 50 percent chance of receiving $5 or would you rather take a 13 percent chance of winning $50?” and “Would you prefer $10 for sure or a 50 percent chance of receiving $50?”

It was found that the make up of the gray matter of participants’ brains contributed to the levels of tolerance to risk; the more gray matter in the right posterior parietal region of the cortex, the riskier the responses.

While this study has some interesting findings, it is limited and its major importance is in demonstrating the types of relationships that are currently being investigated through neuroscience. This is a taste of things to come, as scanning methods become even more advanced and more specialists are able

Send Money Abroad In An Efficient Manner

If you don’t take enough care, it may cost you much more money, as most people are oblivious to the hidden fees. Let’s find out more about how to make the process safe and cost effective.

For sending money overseas, you will have to bear two types of costs: the currency conversion cost and the cost to transfer the money to your desired country. The service provider can be an FX broker, a bank or a money transfer company. The thing is that they don’t convert one currency to the other on the basis of the inter-bank rate. Instead, they make the exchange at a lower rate making a good deal of profit. Give below are a few tips that may help you go through the process efficiently.

Foreign Exchange Brokers

Acting as intermediaries, foreign exchange brokers deal with a lot of banks and provide the best exchange rates. While their primary role is to convert currencies, they can also help you send money abroad for a reasonable fee.

While this option is cost effective, especially if you want to transfer over $5000, the process can take longer to complete. Choose this option if you don’t have to send your funds abroad urgently.

Commercial Banks


Money Depletes Resources

If you were God what would you say to humans standing before you and awaiting your judgment? Would you ask why metals are more important than breathing, or why electricity extracted from coal is more important than food? Perhaps you might ask why so many hate their grandchildren and the future that could have been but will never be because this generation didn’t care.

One thing reigns supreme over the man-made world of destruction – Money. If you were questioned by god, what would you say in return? Perhaps you would answer that without money you could not survive in a world that is dependent on it. You might say that the food in the jungles you are helping to cut down is not adequate for your taste. Then again you might argue that you need the electricity to see and the coal to keep warm.

But what if God reminds you that money has only been around for 2,000 years and that trade and commerce are the result of the second beast of Revelation, who is Constantine? You might then learn that it was he who invented the Catholic Church, Jesus Christ, and the economic system; that it was he who