The Mindset of Top Insurance Agents

Four Key Aspects of a Superior Mindset:

1) Top agents are driven, motivated, and have a get-it-done attitude.

This is perhaps the most important and most obvious part of a top agent's mindset. They have a no-excuses attitude and you won't find them standing around complaining and coming up with reasons as to why they aren't making sales. They find ways around any and all roadblocks and are relentless in their pursuit of success. Top agents know that they simply must get the job done, no matter what, and they are determined that nothing will get in their way. They will pay any price to be successful.

They are self-starters and they see themselves as self-employed. They don't wait for others to get started, they don't need someone looking over their shoulder, or telling them what to do. They are anxious to get to work and make things happen. They have a gun-to-the-head mentality and a sense of urgency.

Top agents know why they are doing what they are doing.They have reasons that drive them. They know why they need to make the sale and why they need to be successful. Whether it's that dream vacation they're going to take, that car they want, or something they want to give their kids, top agents have goals and dreams that lead to a strong inner drive.

2) Top agents have an ability to focus on what's important.

Top agents have an ability to always get the most important tasks done. They realize that the only activities that ultimately pay them are prospecting, presenting, and closing. They don't disregard the other items that need to get done, but they never let them come before, or keep them from the actions that lead directly to sales and success.

Here are some key questions that top agents ask themselves that lead to getting the most important tasks done: What will I do today to build my business and be successful? Is what I'm doing right now the best use of my time? What did I do today to build my business?

3) Top agents take 100% responsibility.

They take 100% responsibility for everything in their lives from health, to relationships, to business. They realize that success in all areas of their lives is up to them and not determined by outside factors such as the economy, the market, or other people. Everything starts and stops with them.

This attitude of complete responsibility leads to more control over their life, higher self-esteem, self-confidence, and ultimately more happiness and success.

4) Top agents have a strong belief system.

They have complete and total belief in themselves and their ability to sell. They also have a strong belief in their product and their company. The people they talk to can sense this complete belief and conviction and it wins them over.

They truly believe that others must have their product and they believe that their customers' lives are much improved as a result of owning their product. …

Top 10 Business Tips For Newbies

1. Love What You Do

It's a good idea to select an area which you already have an interest in, for a number of reasons. You already have some knowledge and expertise in this area which is invaluable and you won't necessarily be starting from scratch. If you chose an area which is already of interest to you it won't necessarily feel like work, especially when the going gets tough. No matter which area you chose you will undoubtedly have rough patches, when this happens you are much more likely to persevere because you have an attachment, a vested interest and a passion. If you have no interest you'll be much more likely to throw in the towel at the first sign of trouble.

2. Prepare a Business Plan

A business plan is not just something which you need to prepare to show to banks for a loan or to investors. A business plan is necessary and useful as it also serves as a guide to operate by. It's a great way to set goals, measure progress and achievements and keeps you on track with spending. Keep yourself organized and create a folder on your computer where keep your business plan and other relevant documents that you'll be using regularly, such as an invoice template or your sales documents.

3. Set Realistic Expectations

Don't expect miracles over night. Searching the internet you'll find thousands of people claiming to have generated millions over night with one scam or another. Genuine business ventures take time, care and persistent. There is no such thing as easy money or money for nothing, cliche but true, if it were that easy everyone would be doing it. Know that there will be obstacles and difficulties to overcome from the start.

4. Just Do It

The best way to gain knowledge and learn, is by doing. You can read all the books, take all the courses, study and research for years but until you take that first step you'll never actually know. It's like learning to drive, you have an instructor by your side in every single lesson with their safety pedals as a back up. You learn all the technicalities of driving but the real learning only starts when you venture out onto the road by yourself. Nothing and no one can prepare you for every eventuality. Research and educate yourself in your chosen field by all means but there will never be a right time to jump in. Even if you take a very small step into your venture, the sooner you get started the sooner you'll be on your way.

5. Ask yourself Why

Work out why you want to go into business for yourself. You need to have a good list of all the why's before you get started. This exercise can also be used as your goal indicator. If you're looking to have more time for yourself for instance, your business venture could take up to a year if not more before …

Top 5 Online Money Making Ideas

In today's tough times, most are hard-pressed in making ends meet even if they're currently employed with regular source of income. For some, a job is no longer an option and would rather venture into other money making ideas that can possibly replace their job income.

This article outlines the top 5 online money making ideas a lot of creative people use to earn extra (or full time) income that makes end meet or to actually put food on the table.

The internet has not only changed how we communicate and research for information but offered a lot of income opportunities to ones who are willing to grab it.

  1. Freelancing – One of the most common ways to make money aside from having a traditional job is to offer your services as a freelancer. If you're an artist, you can position yourself as an artist for hire. Building an online portfolio is extremely pivotal to being an artist for hire. An illustrator needs to be able to show potential clients what they can offer them if they take them on as a client. Independent authors and web publishers are constantly looking for people to design book covers, websites, and logos for them. This is a great income source for someone who enjoys doing graphic design. My friend, does this quite successfully and by having his own website that attract organic traffic, he sets himself up above the many other freelance graphic artists around.Another popular way of making money as a freelancer is to become a freelance writer or editor. Self-publishing books has exploded in recent years. There are a lot of independent authors looking for editors who would like to have their work edited for a more affordable price than the norm in the publishing world. You can editing jobs or be a ghost writer to help the author craft the whole book if you know what you're doing.

On the lower end of this scale, you can accept article writing gigs and help online publishers like niche website owners and bloggers continuously feed their sites with fresh quality content. The key here is quality content, to build ongoing relationships with your clients and build your reputation.

Freelance writing is a great money making idea because you can completely control how much work you take on. if you're just getting started, websites like Odesk.com and Elance.com are great places to land your initial gigs. Pricing your service competitively will help you attract clients and build your reputation on these freelance job boards but if you're considering to go this route on a long term basis, I suggest that you build your own website to build your reputation, attract more clients , and turn this into a real business that can potentially replace your day job.

There are a lot of services that you can offer as an online freelancer. If you're a developer or a programmer, you'll definitely make more money online by offering software development services.

  1. Become An Online

Top Financing Options for A Start Up Business

Business needs financial support as well as planning. If a business gets proper planning along with appropriate financial support to implement the plans in real life then there will be a great chance that the business will get the success. Businessmen know that it's hard to arrange financial support for a business. There have many reasons for that, people don't want to believe in a business which is just placing its first step in the market. But still there have many ways and by using them, a businessman can collect financial support.

Small Business Start-up Loans
Small business start up loans are the great options for start up trade owners. It offers a great opportunity for those who are seeking financial support for their small trade. Basically, a wide range of small business loan startup loans are available in the market but among them, SBA loans are the most famous option. A businessman can use the SBA fund for various purposes such as inventory purchase, rent a business place or pay to the employees. So, you can easily use them for many sectors in your business.

Getting commercial loans are nowadays not a hard task if you have all necessary things. You can easily get an SBA lender in your locality. Besides this, nowadays many online lending institutes are available and you can contact them through the internet.

Credit Cards
If you are not getting commercial loans then you can turn yourself into a credit card. This process is not uncommon for startups. Many traditional lending institutes such as banks offer credit card designed especially for small business which is far better than a personal credit card. A debtor should keep in mind that using a credit card loan is very expensive based on the rate of interest but if you are out of options and you need fund then it is also a great option for you. But before accepting the credit card loan make it sure that you have learned all the terms and conditions and then you should sign on it.

Family and Friends
The very first rule of a business does mix business with pleasure. If you have the option to debt money from a family member or a dear friend then why you will search outside investor. The benefit to family and friends is that you don't need to search for commercial loans. Having obligations from friends and family also can help you establish credibility when you're looking outside investors. If your nearest and dearest don't believe in your idea, why should other investors? Very often, friends and family is a good source of funding. Besides all of this, if you have decided to collect your required fund from a group the make it sure that everything is written.

Saving
Your own savings can help you to come out from business financial needs. This option offers you freedom and control in the business. But it is also important to understand that you are giving your …

Top Rated Money Market Accounts: Understanding How MMAs Work and Which Bank to Choose From

A “money market account”, or MMA, is a low-risk savings solution offered by credit unions and banks. Unlike with personal savings accounts, banks can actually invest the money from MMAs in other places such as bonds and CDs. The places they invest in are very low-risk, making the investment from the customers purchasing the MMA very low-risk itself. Investing in the top rated money market accounts is worthwhile since you will receive a better interest rate than you typically would with a savings account.

People open such an account for a variety of reasons, with the most common being because they wish to build an emergency fund. It’s a good choice for those who want low-risk savings and only need moderate access to their cash. The minimum requirement to open the account can be as low as $100, depending on the bank. Online banks can offer more flexibility than a traditional bank. With the top rated money market accounts, the customer will benefit from the bank’s high interest rates. Look for a high yield deposit account with a reasonable minimum deposit.

It’s important not to mix up money market accounts with money market funds. The latter is a type of investment with a fluctuating rate of return and is not FDIC-insured. An MMA, on the other hand, DOES have FDIC protection. An MMA also has its pros compared to a CD or other long-term investment, as it allows withdrawals, although there is usually a limit of how many pre-authorized withdrawals and transfers per statement cycle.

Top Rated Money Market Accounts Fees

Do research on various online banks to see what kinds of fees are associated with MMA accounts. The best banks are the ones that do not charge any fees for opening an account or for monthly services.

An MMA account is a great way to get started with investing. You won’t have to worry about managing the daily moves. The bank will take care of everything for you – all you have to do is sit back and let the money grow. The returns probably won’t be as high as if you were successfully investing on your own, but if you don’t have much experience with investing anyway, this is a better option, as it is safe and secure. Money market accounts still offer better interest rates than regular savings accounts.

Where can you find the top rated money market accounts? It’s recommended that you start with CIT Bank. This online bank only has a minimum deposit requirement of $100 and charges no fees. There is an annual percentage yield of 1.85% for all accounts.

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5 Top Advantages of Hiring Personal Trainer for Physical Fitness

Some of the people think that personal trainers force and push to exercise until trainees collapse. But, this fact is absolutely wrong. There are various advantages of hiring trainers who will provide personal training.

The experts who offer physical training programs have many years of experience and knowledge. They know the requirements of the trainees and arrange the training sessions according to their physical fitness. They also help in achieving the fitness goals within a short period. They arrange the physical movements after understanding the needs of clients. One of the best benefits of hiring the personal fitness trainer is that he will come to your home.

Apart from this, there are some other advantages. Let’s have a look on them:

1. Goal Achievement –

The personal fitness trainer will help you to achieve the goals in short time. The expert will take into account your fitness level and discuss your requirements. You can have some of the ideas on how to set the goals, share them with the expert. The trainer will help you to plan smaller goals that will give you more benefits. The professional will also help you to know the progress of the goals.

2. Right Instruction –

A professional who is offering the training personally, teaches you the right way to perform all the exercises in a specified routine. He will also give demonstration to make you understand the postures and see how you are performing. Knowing the perfect way to perform the movements reduce the pain and injury. You can also practice the exercises at home without going to the gym.

3. Practicing Following Routine –

One of the best advantages of hiring the personal trainer is that he will keep the record of the exercise sessions. There are no chances of missing any fitness session. But, when you are practicing the movements alone, you can skip one or more workouts if you are not feeling to do, this is really a bad thing for your health.

4. Varieties –

The experienced trainer knows a lot of physical workouts. He will first check your health condition and suggest you what you can do. The expert will choose the movements that are suitable for you.

5. Perfect Motivation –

Motivation is very important in the case of performing physical fitness movements. The trainer who is coming to your home will motivate you in the right way. Regular sessions with the professional trainer enhance the inner confidence for doing the workouts in the future.

These are some of the benefits of appointing a personal trainer to achieve the best physical fitness goals. There are organizations in various large cities around the world that have experienced trainers who are always ready to help you.

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Top 4 Reasons Why Most Personal Injury Claims Settle

If you were recently injured in an accident that was not your fault, and you have decided to make a claim against the at fault party, you may feel confident knowing that the vast majority of personal injury cases settle. Continue reading to learn the top four reasons why, and the best way to get started on your personal injury claim.

Insurance Company Settlements

When insurance companies are involved in an accident claim, and they usually are, settlements are offered almost every time. The reason why this is a fact has to do with the reason why most personal injury cases are settled. Insurance companies typically offer settlements because they have the financial means to pay out remuneration; in fact, they generally expect to pay out a certain amount of compensation for liability claims. Furthermore, they are “risk averse”, meaning they’ll do what it takes to avoid losing control over costs in the case that they have to go to trial for a claim.

Why Most Cases Come to a Settlement

Here are the top 4 reasons why virtually all personal injury cases settle:

1. Risk Aversion

As mentioned, most insurance companies choose to offer settlement in an attempt to control financial risk. They would prefer to make an offer and control the amount of that offer, rather than risk the case going to trial where a jury decides how much a plaintiff should be offered for their pain and suffering.

2. Protection of Reputation

Another common reason why insurance companies choose to offer settlement is for the sake of their reputation. This is especially important this day and age with all of the relevant social media platforms available to the public. Larger companies are particularly interested in protecting their reputation since they have a very public profile, and any damage to their reputation can jeopardize company earnings. Quietly offering a settlement out of court gives a company the opportunity to negotiate terms that work for both parties, including possibly a confidentiality clause.

3. Avoid a Prolonged Trial

Plaintiffs often choose to settle for the purpose of avoiding a protracted trial. Victims cannot receive financial relief until a settlement is agreed upon; so if a trial continues for months or years at a time, victims can suffer financially. It is common for plaintiffs to need the money right away in order to pay for their losses and damages, including hospital bills, medical expenses, lost wages, physical therapy, and more.

4. Guarantee Triumph

Another common reason why plaintiffs choose to accept a settlement offer is for the simple purpose of winning and for a recognition of what they went through. Accepting an offer is a guaranteed method of getting awarded compensation.

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Top 5 Benefits of Hard Money Loans

Hard money loans refer to financing provided by non-institutional lenders. There are many hard money lenders who offer fast funding at attractive interest rates.

As the borrower, you’ll need to perform a thorough check on the lender’s reputation and business, but as you do your research you’ll find that hard money lenders can provide a great advantage in your quest to fund your real estate investment project.

Benefits of Hard Money Loans

  • Faster Approvals: Without a doubt, one of the major benefits of a hard money loan is the fact that investors can secure the pre-approval within one or two days, given they have submitted the handful of documents that the lender has requested. Hard money lenders primarily focus on whether the asset itself has good market value and that borrower equity is at least 20%. Financing can take place in less than a week, as compared to normal loans which may take a month or even more. When inquiring about hard money lenders, a key question to ask is how quickly they can fund.
  • Flexible Payments: With a private lender, you will have more freedom to create a customized repayment plan. With a big financial institution, you won’t have this freedom. Instead, you will have to accept the payment terms set by the bank. However, with a private lender, you can discuss and come to a mutually agreeable repayment plan that you think is suitable for you.
  • Fewer Requirements: When applying for a loan from a normal financial institution, you will be expected to meet many hard-set requirements, like income history, experience, etc. It is no secret that bank approvals can become a cumbersome process. It is likely that you will not be burdened with so many requirements by a hard money lender. As long as you have a high-value asset with at least 20% equity stake in it, there are good chances that you will qualify for the loan.
  • Zero Prepayment Penalties: If you obtain a loan from an established bank, you may be subjected to prepayment penalties if you pay off the loan prior to the maturation date. Most fix and flip lenders do not charge prepayment penalties, so if you come across extra cash and decide to pay off your loan before the due date, you can confidently do so without having to worry about being penalized for it.
  • Credit History Not a Big Issue: In the case of big lending institutions, your credit history can have a huge impact on whether you will get a loan or not. With private lenders, less emphasis is placed on a weak credit history. This is because of a private lender bases loan approval on property value, borrower equity, etc. As long as you meet these criteria, you stand a good chance of getting funded.

An added bonus of obtaining a loan from a hard money lender is that as more properties are renovated in the community, property values a slated to rise and the quality of the neighborhood …

7 Top Tips From the Business Woman of the Bible, Lydia, for Today’s Woman of God

Lydia was one of the most successful business women in the Bible. You will find her story in the Bible in Acts 16:14-15. According to Biblical records, Lydia was a business woman who dyed and sold purple cloth, a material used by the wealthy and elite of the day. This meant Lydia worked in a high-priced market with a high-end target market.

But Lydia was more than just a woman who sold luxury goods to the elite and the powerful. From all accounts it appears she was also the head of her household, an employer of others, and a woman of great Christian faith. She was the first European convert to Christianity and the first to establish a church in her home for other Christians. Fellowship times included examples of how to do business and worship as a part of a business woman’s day.

As a powerful woman of God, Lydia has much to offer today’s Christian business women. Here are seven valuable lessons for women of God from the Bible woman, Lydia.

1. Keep prayer in your daily activities. The bible story of Lydia says she met the Apostle Paul at a place of prayer. She also opened her home to have worship services for others. Keep your priorities in order as a woman of God. Remember to pray unceasingly about everything including your business activities by making prayer a priority activity on your daily schedule.

2. Work to please the Lord. Lydia took her responsibility as a Christian business woman to work “as unto the Lord” very seriously. You can show Christian beliefs through your nature and personality without being pushy or unprofessional. Show Biblical principles through your actions and decisions in your business.

3. Design a powerful company. Lydia was a no-nonsense business woman who built a major company in a wealthy market. Nothing says a woman of God has to play small in the business world. Christian business women should be open to working in all types of industries and not shy away from the potential of going big. If you are pursuing big dreams use Lydia as your role model for growth.

4. Try non-traditional opportunities. By being a successful and wealthy merchant of purple cloth Lydia was in a non-traditional business category during her times. Don’t shy away from embracing non-traditional business opportunities. Consider working in fields where few if any woman are already excelling and create new paths to success.

5. Find your balance between work and home. Lydia maintained her household even while running a powerful business. Each woman has to find the way to balance, keeping her home in order while running a business. It might mean downsizing or hiring help. Use your business skills to figure out what works for you to get it all done.

6. Learn to grow your business. Lydia’s business was so successful that she had to hire employees. Growing a business means eventually needing to hire help. That help might come in the form of …