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- Category: Auto Loans
- The Pawn Car BPKB Installment Scheme
- Exploring Your Local Auto Loan Options
- A Comprehensive Guide to Auto Loan Rates Comparison
- Improving Your Credit Score The Best Key
- Auto Loans Understanding the Meaning and Types
- Old 2nd Mortgages – that have come back to HAUNT homeowners
- Bagels at a Bar mitzvah Part II | Mortgage Forum
- If You Have an Auto Loan, You Need This Insurance Coverage
- How Refinancing A Car Loan Affects Your Credit
- What An Auto Loan Is And How It Works
- How To Pay Off Your Car Loan Faster (2022)
- Best Companies To Refinance an Auto Loan With Bad Credit
- How to Qualify For An RV Loan
- Protecting servicemembers from costly auto loans and
- Tight market makes buying car or truck when lease ends the
- What To Know About Preapproved Auto Loans
- What Direct Auto Financing Is & Why You Should Get It
- Canoo Shares Surged After Walmart Ordered 4,500 Electric
- Top 11 Urgent Loans in 2022 for Fast Cash
- Best Installment Loans for July 2022
- What is the minimum credit score for a car loan? (2022)
- How To Save Money On Auto Loans After A Fed Rate Hike
- Types Of Auto Loans: Which Is Right For You?
- How to get a better interest rate on your car loan
- Best Auto Loans | The Ascent
- Can You Refinance A Car Loan Shortly After You Purchase It?
- How to improve your credit score from fair to good
- Auto Loan Solutions: How To Buy a Car Online?
- Best Installment Loans for June 2022
- Best Lenders for Refinancing Auto Loans | Find the Best Loan
- How Secured Auto Loans Work
- Can Bankruptcy Help Prevent My Car From Being Repossessed?
- A Beginner’s Guide To The Autoresponder
- Autoresponder – The Key to Running a Successful Online Business
- Understanding Email Autoresponder and Follow-Up Messages
- Just the FAQs – Bad Credit Auto Loans
- Finding Quick Bankruptcy Auto Loans
- Key Tips on Comparing Auto Loans
- Instant Auto Loans Online – The Answer to Your Search For Your Dream Car!
- Auto Loans For People With No Credit Or Bad Credit
- What is the Best Way to Get Auto Loans Without a Bank Account and With Bad Credit?
- Looking For the Best Low Interest New Auto Loans?
- Auto Loans For Bad Credit – They’re Easier to Find Than You Think
- Online Auto Loan Programs Help You To Buy a New Car
- Auto Loans For Bad Credit Consumers – Credit Scores Do Not Matter Anymore!
- Bad Credit Or No Credit Auto Loans at Your Doorstep
- Auto Financing Online – Get Pre-Qualified for an Auto Loan
- Auto Loan Financing – How to Secure an Auto Loan Today
- Category: Business
- Kekuatan Tujuan: Tanggung Jawab Sosial Memacu Sukses Bisnis
- Cara Gangguan Rantai Pasok: Strategi Ketahanan untuk Bisnis
- Transformasi Bisnis di 2024: Tren Teknologi dari Innovation
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- Tips Menavigasi E-Commerce Kompetitif: Bangkitnya E-Commerce
- Panduan Ekspansi untuk Bisnis Kecil: ke Pasar Internasional
- Peluang dan Tantangan Pemulihan Ekonomi: Panduan Bisnis
- Tips Sukses Berwirausaha: Kisah Inspiratif Dari Startup to Success
- Cara Membangun Budaya Bisnis Baru untuk Era Kerja Jarak Jauh
- Cara Mendobrak Hambatan: Pemberdayaan Perempuan Pengusaha di Dunia Bisnis
- Panduan Ekspansi Global untuk Bisnis Kecil: Melangkah ke Pasar Internasional
- Tips Menavigasi Lanskap E-Commerce yang Kompetitif: Bangkitnya Raksasa E-Commerce
- Kekuatan Tujuan: Cara Tanggung Jawab Sosial Memacu Sukses Bisnis
- Warner Bros. Discovery plans to close New Zealand TV news channel
- Exploring Trending Business Opportunities in 2024
- Unveiling the Secrets: Why Achieving Gaming Greatness Like Bill Gates Might Remain Elusive
- Navigating the Complex Landscape of Modern Business
- The Role of Influencer Marketing
- The Pros and Cons of Business Travel
- 5 Most Popular Digital Businesses
- 11 Resources For Recruiters On How To Leverage CRM
- US Customs Duplicates Phone and Laptop Contents of
- ‘Great Day to Not Be in Jackson’ Amid Water Crisis
- What’s Next in the DOJ’s Trump Investigation Into Mar-a-Lago
- DOJ’s Claim That Trump Has No ‘Possessory Interest’ in Docs
- Ford Reveals 7th Generation of Iconic Mustang Sports Car
- After Enduring a Pandemic, Small Businesses Face New Worries
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- Melody Freeman, James Campbell and Layne Paubel receive UMSL
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- Marquette Business announces new leadership for respected
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- Why Should I Use A Business Broker?
- Critical ‘Must Haves’ When Starting A Small Business
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- How Knowledge Management Can Grow Your Business
- Why Going Online Is the Best Thing for Your Jewellery Business
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- Online Jobs Versus Online Businesses
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- Category: Debt Relief
- A Comprehensive Guide to Debt Relief
- The Art and Science of Understanding Debt Forgiveness
- The Art of Debt Consolidation: A Comprehensive Guide
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- Credit Card Relief Programs – The Best and Legitimate Debt Relief Programs
- Debt Relief – What to Look For in a Legit Debt Relief Program
- More than anything, knowledge about debt relief will be your greatest tool. When you are in doubt or if someone is trying to trick you, this particular knowledge will end up being your greatest ally as well. This article will help educate you on three different things: the types of bills that you can enroll in a debt relief program, what you need to do while in a program and facts that you have to know about the Telemarketing Sales Rule (TSR). What debts can be solved through debt relief You have to understand that there are certain qualifications that you need to adhere to when looking for a debt relief option. All of them are effective but you need to qualify for it financially to be able to maximize the benefits of each. By analyzing your financial capabilities and the types of debt that you have, you will figure out the type of program that you can enrol in. For instance, people will secured debts are beyond the help of debt settlement. This type of program involves defaulting on payments so you can prove that you are unable to pay off your debts. The idea is to threaten with bankruptcy if the creditor will not reduce the debt that you owe. In a secured debt, this will not work because the lender will be the one to threaten you with the collateral that you put up as requirement for the loan. A secured loan is best with debt consolidation loans while debt settlement and debt management can accept cash advance loans, credit card debt, medical bills and unpaid utility bills. Other details will depend on the company that you will be dealing with. What you need to do while in a debt relief program Now that you know what type of debts you can enroll in certain programs, here are tips on how to make sure you will succeed in becoming debt free. First of all, you have to stop acquiring debts. If you have to keep your credit cards locked up – do so. It helps to make the commitment to live within your means. That entails developing the habit of paying for every purchase in cash. You should also learn how to send your payments on time to avoid penalty charges. This is very challenging because the temptation to spend increases as your debts decrease. Another thing that you need to do is to make sure you follow through your debt relief plan. That could be a payment plan, a debt management plan or a budget plan. The important thing is to let the guide do its work – especially when you have displayed evidence that you cannot handle your own finances properly. What you need to know about the TSR If you have to hire a company to help with your debt relief efforts, make sure that you know your rights as a consumer. As with anything that involves money, scammers exist to swindle you out of hard earned money. Based on the Telemarketing Sales Rule, debt relief companies are not allowed to ask you for any upfront fees. No legitimate company will ask this from you. If there are fees, it has to be charged after there is proof that the program worked. You should be very careful about what they promise and deliver. You can actually report them if they lured you with false advertisements – same is true for any false promises. They should inform you of what you should expect and they must follow through with that. If you have to send payments to an account that the debt relief company set up for you, make sure that it is insured and well protected. You should also maintain full control over it. These are important considerations as you make the decision to use debt relief to get out of your credit obligations. But apart from that, remember that you should also do something about what got you deep in debt in the first place. If not, you may end up in the same situation again in the future. Article Source: http://EzineArticles.com/7457059
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- Sales executives are constantly searching for the ideal structure of the sales team. Should the team be composed only of direct sales people? Should the team be composed only of manufacturers’ representatives? Experience shows that a hybrid sales organization, composed of a blend of direct and indirect sales employees (manufacturers’ representatives), combines optimal performance, cost effectiveness and flexibility. If one observes several sales organizations over an extended period, she’s able to see that relatively often, sales executives make sweeping changes to those organizations, from all direct to all rep, and from all rep to all direct. Invariably, the observer is able to note that sales management ultimately reverses many of those sweeping changes. Sometimes sales executives benefit from observing changes made by others. Unfortunately, too many sales executives develop the understanding of the benefits of a hybrid organization by making one or more poor decisions and then repairing the organization after problems surface. The most durable of sales organizations are those that use a hybrid technique, employing a mix of both direct sales staff and manufacturers’ representatives. Sales teams composed entirely of all direct people or entirely of manufacturers’ representatives are generally not ideal. Why “Direct Only” Teams Are Not Ideal Many CEOs and executive teams believe that the best way to build relationships with customers is with a sales team composed only of direct employees. In this example, sales staff cannot be distracted with unrelated business and other product lines. No one can blame the inexperienced CEO and executive team for thinking this way. A salesperson is able to devote 100 percent of this time to the company. A direct sales team suffers from far fewer distractions than a rep sales team. However, experienced CEOs and executive teams understand that they must thoroughly look at a direct sales team before converting to it. Direct sales teams are quite expensive to train and support. The company must support offices in all major markets. Those offices bring along with them assorted costs: rent, administrative support, office equipment, utilities, etc. A competent manager who can work well and represent the company without direct supervision must manage the office. The company must train and occasionally upgrade each office manager. When sales are growing, the office manager must hire and train new sales staff. The company must train the manager in hiring and training techniques. The company must also train the office manager in firing techniques, in hopes of avoiding legal problems. As sales grow, the office must expand to meet growing demands upon the sales office. Cost of sales rises as sales grow. Sales, however, do not grow forever. Ultimately, sales flatten and roll over. Sales usually roll over earlier and more abruptly than hiring plans. Sales may dip at anytime during the year, but hiring plans are usually set at the beginning of each calendar or fiscal year. As a result, hiring is sometimes still underway when industry and office sales are falling. Such dynamics create an environment whereby cost of sales, (as measured by the total cost of running the sales office, divided by the total revenue that the office generates, expressed as a share of sales) rises rapidly. When a sales office has healthy sales, the company can manage its cost of sales and support them at a predetermined level. If sales grow for a long period, the company can manage the office to cut cost of sales. The sales office can benefit from economies of scale. A sales office supporting 20 salesmen doesn’t need more copiers, fax machines and conference rooms than an office supporting only 10 salesmen. Unfortunately, sales ultimately roll over. It is difficult to cut costs immediately. The office manager must usually see several months or quarters of declining sales before realizing that he must cut costs, including headcount. During this time, cost of sales rises, sometimes well above tolerated levels. The sales office manager and the company cannot cut costs quickly. Which is a chief reason that totally direct sales teams are undesirable. Why “Rep Only” Teams Don’t Yield Peak Performance Rep only sales organizations afford a number of benefits to the sales executive. The sales teams are already in place. Hiring and firing of salesmen is not the direct responsibility of the sales executive or his regional sales managers. Manufacturers’ representatives generally hire and fire as sales move up and down. The cost of running a rep only sales organization rise and fall directly with the level of sales. A significant benefit of the rep only sales organization is that cost drops immediately when sales drop. It’s possible to accurately forecast cost of sales as a share of total revenue. Cost can never get out of control by hiring too many salesmen, buying too many computers, or leasing too large an office; not infrequent problems for direct sales organizations. Manufacturers’ representatives are not always the panacea for companies looking to hire or expand a sales organization. Large customers often demand direct sales staff; not indirect staff from a manufacturers’ representative. Large customers view their largest suppliers as strategic partners, and like the ability to communicate directly with those suppliers. Communications is sometimes slower and less clear when a customer must communicate with a manufacturers’ representative, who in turn communicates with the supplier. Customers may set the style with which they deal with suppliers as part of their purchasing strategy. For example, they may decide to deal with no more than two or three suppliers on any commodity and to deal with those suppliers directly. This disallows conducting business through manufacturers’ representatives. A supplier must recognize and honor such a strategy, or be ready to suffer undesirable consequences. A supplier must never turn a tin ear to a request from a customer demanding direct sales representation. Large suppliers view their largest customers as strategic partners, and like the ability to communicate directly with those customers. They view the delay when communicating through a manufacturers’ representative as an unnecessary burden. When large suppliers invest management time with strategic customers, they do not want to dilute that investment by sharing management time with manufacturers’ representatives. The incapacity to offer direct coverage to strategic customers is the primary reason that a sales team composed only of manufacturers’ representatives is unattractive. First and Foremost: Do No Harm Recognizing that something is wrong, many sales executives make bold, sweeping structural changes to their sales teams. Fire all reps and hire a direct sales team. Fire all direct salesmen and hire a network of manufacturers’ representatives. Either approach will certainly repair some problems. More than likely, however, extreme changes are very prone to creating new problems of equal or greater scale. Why do so many companies replace one poor-performing sales organization with another that destined to yield performance that is no better than the original? The two most common reasons are inexperience and weakness of the sales executive compared to the rest of the management team. Perhaps the inexperienced sales executive has risen through a single company with an all-direct or all-rep sales force. Now, managing the global sales organization, he opts for sweeping change from all-direct to all-rep, or from all-rep to all-direct sales without benefit of understanding thoroughly the benefits and problems with either a pure-rep or pure-direct organization. Alternatively, the inexperienced sales executive may have developed his management skill at a company employing an all-direct sales organization. He may not feel comfortable managing if hired into an all-rep company. No one can fault a sales manager if he sees massive problems and concludes that he must make sweeping change to an all-direct sales organization. Only inexperience allows him to make a major, highly disruptive change. Another reason companies make dramatic changes in the structure of a sales organization is that the sales executive is weak. If cost-of-sales, expressed as a share revenue is too high, the CEO, the rest of the executive team, or both can apply pressure on the sales executive to affect change and cut cost. If the sales executive lacks the strength to defend his team or the structure of the sales organization, he merely becomes the messenger, not the manager. The message to the sales executive feeling pressure to make sweeping change in a sales organization is to adhere to the Hippocratic Oath: First, do no harm. Any sweeping change imposed upon the structure of a sales team will initially be disruptive. Make sure to justify the disruption and be very sure that the change, once implemented, is most likely irreversible. Sweeping change brings disruption, higher cost of sales and lower productivity. All of this might be worthwhile. However, if a sales manager imposes sweeping change and then reverses course within a year or two, disruption from the reversal is much greater and more costly. A reversal of an organization change brings with it disruption, higher cost of sales and lower productivity just like the original change. However, an organizational reversal can erode the sales team’s enthusiasm. A company can handle disruption, higher cost of sales and lower productivity if repaired relatively quickly. Repair of an unmotivated sales team takes much more time. “Hybrid Sales Teams” Work Best A supplier always looks to optimize its sales organization. If a company continuously focuses on cost of the sales organization, use of manufacturers’ representatives is mandatory. The benefits of manufacturers’ representatives are too great to ignore. However, manufacturers’ representatives may not satisfy the requirements for some customers. Strategic customers demand direct interface, excluding the use of reps. The best alternative then, is to merge some of the best features of both a rep and a direct sales organization. Implement a direct sales team to cover the sales to all strategic customers, while simultaneously bringing about a sales team of manufacturers’ representatives to cover all other customers. A hybrid sales team benefits from the cost effectiveness of manufacturers’ representatives. The same team can deal directly with strategic customers. The sales executive may take advantage of the non-disruptive flexibility when adding or deleting customers on strategic customer list. A secondary benefit of a hybrid sales organization is bench strength. Well-seasoned, top-performing direct sales personnel represent a talent pool from which from which to draw regional sales managers. Conclusion Experience shows that a hybrid sales organization, composed of a blend of direct and manufacturers’ representatives combines optimal performance, cost effectiveness and flexibility. The most durable sales organization is one that uses a hybrid technique. Sales teams composed entirely of all direct staff or entirely of manufacturers’ representatives too often underperform. Glen Balzer is a management and forensic consultant involved with marketing and sales. He advises parties involved with relationships and contracts between manufacturers’ representatives, suppliers, customers and industrial distributors. He promotes conflict resolution between parties involved in representative and distribution agreements. He has integrated divisions of companies upon merger and acquisition. He has been involved in establishing and managing marketing and sales organizations throughout America, Europe and Asia. Contact him through his Article Source: http://EzineArticles.com/6921936
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