 How To Evalauate Equity Index
Annuities
By Dr. Geoffrey A. VanderPal
DBA, MBA, CFP®, CLU, CFS, CTP, RFC®
As many Financial Services Journal On-Line readers well know, Equity Index Fixed Annuities have been around since February of 1995 when Keyport Life developed the concept of providing returns linked to the S&P500 index with the safety of a standard fixed annuity. An equity index annuity provides a guarantee of principal, guarantee of a minimum return over time, and allows for growth participation pegged to a stock or bond index on a tax deferred basis.
 Losing Everything:
Nightmare Scenarios from ERISA for Employers
By Frank N. Darras
You've worked hard, achieved extraordinary academic excellence, went on to accumulate advanced degrees and for some, specialty status as a physician. For many, you've married along the way, are raising your children in the lifestyle they have become richly accustomed to and hope the insurance you get or provide at work will protect those you love. Take a long moment and think about what would happen financially to your family if you got really sick, seriously injured, disabled or died unexpectedly.
 Seven Strategies That Entrepreneurs Must Apply
By Al Jacobs
A popular comic strip dating back to the 1930s declared that, "Heroes are made, not born." Each day, the misfortunes of the main protagonist were humorously revealed as he invariably caused things to go wrong. The moral, which was grasped easily, related to the character flaws the antihero displayed. And there's a lesson to be learned from that comic strip of long ago.
The Placebo Effect
By Hesh Reinfeld
Every salesman, consultant, and physician knows the credo: help your customer / patient identify his pain, eliminate it, and you have a client for life.
 If You Can't Hire a Good Salesperson, Make one
By Bill Brooks
Turnover for salespeople typically hovers around 25 percent, and at some organizations, even higher. As a result, producers like you spend weekends or their lunch breaks sorting through countless resumes, trying to find that elusive candidate who has demonstrated an expertise in sales. And, if you’re one of the lucky managers who has found a salesperson to hire, how long has it taken your new employee to get up to speed? How much of your time has it taken to get him or her there?
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Do You Know What Your Expertise Is?
By Forrest Wallace Cato, RFMA, RFC, FMM, CRR, CPC
Financial planners are supposed to be skilled at financial planning. Media advocates for financial planners are supposed to be skilled at establishing the desired awareness and trust perception -- that influences prospects and reassures clients -- through targeted media exposures. This is the way both of these disciplines are supposed to be.
 Are You a Frog?
Edwin P. Morrow, CLU, ChFC, CEP, CFP®, RFC® CEO, International Association of Registered Financial Consultants
The financial services industry is changing. In fact, it has been in a constant state of change since 1945. The war altered the work opportunities for women, initiated the use of computers and changed how people look at both life insurance and investments and at their need for personal financial independence. What are the most recent changes that affect you? The following may already be impacting your practice and your income...
 Creating Multiple Entities Provides Advantages for Business Owners
By John Brown
We have all heard the old adage that it isn't wise to put all of your eggs in one basket. But does this saying apply to the world of business ownership? Specifically, is it a valid warning or just a worn-out cliché? In the areas of retaining corporate identity and branding, it seems to make sense for owners to concentrate all of their business effort and ownership in one entity, rather than creating multiple entities.
The Power of Shutting My Trap for a Change
By Scott Love
It was a dingy little gray office in a rural part of Appalachia. The owner of the fuel oil company looked at my proposal. And looked at it. And looked at it some more. I was living in North Carolina selling long distance in my mid-twenties and this old man who was more than twice my age scared me with his poignant silence.
 Marketing Strategies for a Tough Economy
by Michael
Beck We are currently experiencing a weak economy. People are in a wait-and-see mode and bad news taints financial scene reports daily. The consequence? Prospects are reluctant to make a decision; they're hesitant to spend much money or make any kind of long-term (or short-term, for that matter) commitment. Wow, talk about a marketing challenge! |
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