Oh, pet peeves at the office. We've all got 'em. And now an official poll has been taken to tell us what honks American workers off the most.

According to said poll, which was conducted by Harris Interactive, 60 percent of respondents noted gossip in the workplace as their biggest office annoyance. 54 percent reported poor time management (including making personal phone calls during work time) as they're biggest grievance.

Another annoyances included:

• (45%) Messiness in communal spaces (like the kitchen),
• (42%) Potent smells (like smoke or perfume)
• (41%) Loud noises (cell phone rings, loud talking)
• (28%) Overuse of electronic devices in meetings
• (22%) Misuse of email (notably, "reply all" and excessive use of blind carbon copy)

Despite the amount of office grievances, 42 percent said they would say something directly to a person if they were being too loud, while only 34 percent would raise concerns about gossiping. Only 25 percent would talk to someone about their misuse of email.

Anyone who works in an office (or, for that matter, watches "The Office") probably has quite a few peeves of their own. I'm sure Harris Interactive missed a few. Care to share yours? Feel free (but keep 'em clean!) via comments. :)

Posted by Megan Mahan at 10:30 AM | Permalink | Comments (0)
 

Get the right tone.
Question: Do you want to return a message left by a guy who sounds slightly harried, kind of bored, or mildly anti-social? Of course not! Try to keep your message lively and friendly. People like lively and friendly. People want to call lively and friendly.

Don’t ramble!
Checking voice mail is the modern equivalent of tossing the bedpan’s contents out the window. Necessary but not fun. So make sure you spare the listener any more anguish than is absolutely necessary by being quick and to the point. BUT that doesn’t mean you should be terse and cold. Short and clear yet lively and friendly. Short and clear yet lively and friendly. Lastly, short and clear yet lively and friendly.

Speak your telephone number s-l-o-w-l-y.
Not everyone is as familiar with your number as you are.

Leave your number in the beginning and end.
This spares the person from having to listen to the entire message if she didn’t get the number during the first listen.

Don’t assume that your flawless voice mail will inspire a callback.
Set a time to call back (make sure, though, that you give the person an ample opportunity to call you).

Posted by Jeb Foster at 01:12 PM | Permalink | Comments (2)
 

Ever wonder why InsureMe started blogging? Check out this recap of The Skinny on Blogging for Business as published in the September issue of the TAAR Report, and learn why.

Part One | Part Two | Part Three

Blogging: How to Get Started

Read. Listen. Participate. Read other blogs. Starting with those related to your industry is a good idea. Listen to what the readers are saying. Participate in the conversation.

Once you’ve got a handle on the blogosphere:

Hone in on a topic. Generally, blogs that are focused on one topic gain more visibility than the ones that cover everything.

Define your audience. Who do you envision writing to? Health insurance professionals? Auto insurance underwriters? Defining an audience will help keep your blog tight and focused.

Once you’ve thought these factors through, it’s time to start writing. There are a handful of free and low-cost blogging platforms available for public use, and most of them require little to no knowledge of HTML or web design. In fact, Blogger (Blogger.com), Wordpress (Wordpress.com), and Typepad (Typepad.com) all come with tech help and templates to make your transition to blogging an easy one.

Once your blog is up it’s time to:

Write regularly. Blogging won’t hit your wallet, but it’ll cost you time. One of the biggest mistakes you can make as a blogger is not updating frequently—three to five times per week. Readership will die off if you’re not feeding visitors enough.

Track your visitors. Remember, the web makes it easy to find out who’s stopping by, where they’re coming from, and what they’re looking at. We use Google Analytics (a free program) at InsureMe, and there are plenty more to help you analyze your traffic and better target your blog posts.

Become an authority. People will listen to you when they can see that you know your stuff. Dedicate yourself to learning all you can about your niche—and sharing that knowledge with your readers.

Spare the sales spiel. You can use your blog as a marketing and sales tool by not cramming it with sales fluff. Provide something interesting and valuable and the sales will follow.

Join the Conversation

Blogs have changed the face of business because they’re written by real people and they allow real people to talk back. I’ve been blogging personally since 2003 and professionally since 2005. Through blogging, I’ve developed close friendships and a small network of business contacts that I’m able to share ideas and collaborate with.

So before you write off blogging as just a fad, give it a good, dedicated go. It could help you open the doors you’ve previously been unable to open on your own.

Posted by Megan Mahan at 04:09 PM | Permalink | Comments (0)
 

This week, the Senate received a warning: global warming is stirring up health problems and will continue to worsen.

Witnesses at the hearing cited the 35,000 deaths in the 2003 European heat wave, the spread of the West Nile virus to 47 states (unseen in the U.S. eight years ago), and most recently the droughts, heat waves, and massive wildfires.

Julie Gerberding, director of the Centers for Disease Control and Prevention stated that it's not a question of whether there will be ill health effects from global warming, but of who, when, where and how.

The director also presented a CDC chart showing that rising temperatures are likely to affect public health not only in the form of heat waves, but of severe weather, increased air pollution, water contamination and disease, and disruptions to food supply—yielding increases in cardiovascular disease, malaria and dengue, among other afflictions.

We've seen the property-casualty industry start to react to global warming; will the health and life industry follow suit?

[Related]: Lloyd's: Denial Not Just a River in Egypt

Posted by Megan Mahan at 10:29 AM | Permalink | Comments (2)
 

One of the best ways to develop rapport with a prospect or existing client is to connect with that person on a human level. By definition, that means foraying into conversation areas that have nothing to do with insurance—like sports, cars, pets, weather patterns, etc.

But even if you have the gift of gab, that won't guarantee rapport. The test is not whether you can talk about things besides insurance. It’s whether you can be both interesting and engaging.

In practice, this means conversing about things the other person is interested in. It doesn’t mean talking ad naseum about your cat—unless you detect that the person is keen on felines.

The key, of course, is to be attuned to the person and look for telltale body language. (Actually, unless you’re a first-rate storyteller, an even better option is to ask questions instead of hogging the mike.) When you start to detect that he’s not into Nascar—glazed eyes, fidgeting, pained look—switch gears, and quickly.

And some topics are non-starters in almost every situation. Blogger Gretchen Rubin has done us all a favor by listing the subject areas to avoid:

Unless you get a truly enthusiastic response from your interlocutor—which is possible—be very wary of recounting…

1. A dream.
2. The recent changes in your child’s nap schedule.
3. The route you took to get here.
4. An excellent meal you once had at a restaurant.
5. The latest additions to your wine cellar.
6. An account your last golf game.
7. The plot of a movie, play, or movie—in particular, the funny parts.

Posted by Jeb Foster at 04:23 PM | Permalink | Comments (0)
 

We've all seen this commercial. But earlier this week I saw it on the Denver Egotist with this headline: Which One Are You?

Really makes you think about what you put in—and get out of— your day-to-day operations.

Posted by Megan Mahan at 03:01 PM | Permalink | Comments (0)
 

OK, this is going to be short and sweet. Here are 3 tips you can learn from the best martial artist/actor to come out of Belgium in recent times: the one and only Jean-Claude van Damme.

1. Know your limitations and be flexible.
A little guy, Jean-Claude quickly gave up on his body-building ambitions. He chose to supplement his karate classes with ballet, which gave him with more flexibility and grace than his heavily-muscled counterparts.

2. Know which limitations don’t matter.
Jean-Claude probably knows he’s a bad actor, but that’s never stopped him, and he’s starred in more movies than a great many talented actors. Never give up on your dreams!

3. Exploit your talents, find a niche.
Jean-Claude made up for poor acting skills by learning how to kick butt—and do splits. (It’s that flexibility thing again.) Not as big as Arnold? Be a better dancer than Arnold.

Hat tip: Slate

Posted by Jeb Foster at 11:21 AM | Permalink | Comments (0)
 

Ever wonder why InsureMe started blogging? Check out this recap of The Skinny on Blogging for Business as published in the September issue of the TAAR Report, and learn why.

Part One | Part Two

Blogging Isn’t For You If…

Blogging is cool, but it isn’t for everyone. And you’re better off recognizing this before you start, because it can open you and your business up to certain risks.

James Omdahl, InsureMe’s Marketing Strategist (whom some of you met at HIGH TECC in July), spoke at Commission Junction’s annual summit last year on the topic of business blogging. James and a lot of other big name marketers agree: Don’t start a blog about your business if you have something—anything—to hide. If you can’t be transparent in your blog, visitors won’t be interested in reading it. And if they learn you’ve been the least bit dishonest, you can bet you’ll hear about it in the comments section.

Naked Conversations also identified a pretty solid list of questions to ask yourself and your organization before embarking on a blog. Some of these questions include:

Does your business culture understand that “markets are conversations”? The Cluetrain Manifesto (http://www.cluetrain.com/) is a set of 95 theses; a veritable call to action for businesses to examine the power of the internet and its role in today’s business.

Bottom line: if you don’t think having conversations matters to clients or business partners, a blog isn’t for you.

What will your boss tolerate? Show him or her some examples of what you’d like to emulate for your business. If you are your own boss, peruse some blogs by topic by entering a keyword (i.e. actuaries, insurance law,) on Technorati.com, and see what turns you on—and off.

How legally cautious is your company? If you have a legal department, get their opinion on having an open dialogue with the public.

These last three are my additions:

Are you committed? Blogging is relatively low-cost, but you have to invest time to get anything out of it.

Are you vanilla? No one wants to read a lackluster blog. Find a way to tell your story and incorporate your voice into the blog.

Do you, or does someone in your company, have the writerly capabilities to author a blog? If you’re going to make up words like “writerly,” you may want to reconsider authoring a blog full-time.

Jokes aside, make sure the blog author(s) have a decent written command of the English language. Reading a poorly written blog is like listening to someone talk with their mouth full.

Sure, blogging brings a few risks. But you can mitigate these by following one of the unwritten rules of blogging: Blog smart. Don’t give away company trade secrets. Don’t launch a product on your blog prematurely. Don’t rip on your boss. You know, be smart!

Posted by Megan Mahan at 04:31 PM | Permalink | Comments (0)
 

Riding the train yesterday evening, I struck up a conversation with a woman who turned out to be an insurance agent. (Go figure.)

Most of our conversation was focused on local sports teams—namely the Rockies, who won 21 out of their last 22 games to ultimately make it to the World Series. (We also talked about how neat it is that you can buy margaritas a Rockies games, but that’s neither here nor there.)

As it often does, the conversation turned to business, and she gave me her unique approach to selling insurance: work only with nice people—not just nice co-workers but also nice clients.

“Property-casualty is a full-time, non-stop job. If I’m going to be called in the middle night, I want it to be someone I want to talk to,” she said. Sounds reasonable to me.

It’s an uncommon niche--selling insurance only to nice people--but I think it’s brilliant. Not all of us can be picky about which clients we take on, but I think it’s something to work toward!

Posted by Jeb Foster at 08:30 AM | Permalink | Comments (0)
 

This week, Seth Godin mused about choice:

If I had to pick one word to describe what's new, what's different and what's important about now vs. then, it would be "choice."

The choice of more products.
The choice of more retailers. Many a click away.
The choice of more consumers to ask for an opinion.
The choice by marketers over who to market to (precision increases).
The choice of workers to be virtual or flexible or change careers.

I used to have one choice to make a phone call. Now I have a dozen. I used to have one place to buy insurance for my company, now I have thousands. One bank near my house, now ten thousand a click away.

I have more choice in who to hire, who to work for and most important...

More choice in who to listen to (and who to ignore).

What do you do to help people choose you?

Posted by Megan Mahan at 04:20 PM | Permalink | Comments (0)
 

Here’s a good story. It's about treating people as fellow humans first, customers second. It's about knowing when to jettison company policy. It's about doing the right thing. And it's about how doing the right thing in the internet age pays karmic dividends. After you read it, ask yourself if you or your agency would ever do something similar.

Posted by Jeb Foster at 01:58 PM | Permalink | Comments (4)
 

Ever wonder why InsureMe started blogging? Check out this recap of The Skinny on Blogging for Business as published in the September issue of the TAAR Report, and learn why. To read part one of this series, click here.

What’s a Blog?

Blog. It’s one of those words that, said enough times, sounds like total gibberish. “Blog” is actually short for “web log,” which is simply a personal web site that publishes articles in reverse-chronological order. That means the most recent content is displayed at the top, so it’s easy to see what’s new.

As previously mentioned, blogs are also interactive in that they allow readers to post their comments and questions in response to each blog entry (also called a “blog post”).

Currently, a new blog is added to the blogosphere every second. You probably have a few that you read here and there (undoubtedly the InsureMe Agent Blog!), and I’m willing to bet you’ve been on handfuls of blogs before and not even realized it. According to Pew (via Naked Conversations), one-fourth of all U.S. web users read blogs—and that number is increasing at the rate of 60% annually.

Benefits of Blogging

So we’ve seen that blogging is changing the way businesses talk to customers. But there have got to be some other benefits, right? Absolutely.

In Naked Conversations, authors Scoble and Israel sum up blogging benefits in what they call the Six Pillars of Blogging—which separate blogging from all other media.

Here’s a recap:

1. Publishable. Anyone can publish a blog and can do so cheaply. You can post whenever you want, and the content is and instantly available worldwide.
2. Findable. Search engines love blogs. The more you update, the more findable you will become. People will find your blog by searching for the subject, the author, or both.
3. Social. The blogosphere is one giant conversation. Conversations move from site to site, all linking to one another. Through these conversations people with like interests build relationships.
4. Viral. Information is often passed through blogs faster than traditional news outlets.
5. Subscribeable. By clicking on the RSS icon, you can get free delivery of all new content on RSS-enabled blogs (which nearly all are). RSS brings all new content to you in one central place, so you don’t have to go out to all your favorite sites and check for updates.
6. Linkable. Because blogs can link to each other, every blogger has access to the millions of others out there. And let’s not forget, search engines like links, too!

So the rewards are great. But what about the risk?

Posted by Megan Mahan at 04:05 PM | Permalink | Comments (0)
 

Today's post is going to be quick but beneficial.

Landing the Deal has a nugget of wisdom for turning a "no" into a "yes." The gist: pitch your high-end products first. If the prospect says no, pitch a less expensive product with similar benefits. The gap in price, combined with product benefits, can encourage prospects to make a buying decision—in the affirmative.

The trick, author Dan Tudor says, "is to plan your comeback pitch in advance so it can be hard-hitting, detailed, and enticing. Get the data you need and double-check your numbers, and it won't seem as if you are desperately shooting from the hip."

Have you tried this tactic before? Has it worked to your advantage? Tell us about it via comments.

Posted by Megan Mahan at 04:23 PM | Permalink | Comments (2)
 

Allow me to initiate a discussion that’s only tangentially related to selling insurance.

I'll start with a question: Would you be willing to get medical treatment at your local Wal-Mart or Target?

So-called “retail clinics” are popping up in strip malls and box stores across the country. Taking up as much floor space as the video section and located adjacent to the mini Taco Bell, they offer care to anyone who walks in and is able to pay. Most of the care, it seems, is provided by nurse practitioners, not doctors.

States, meanwhile, are struggling to keep up. They want to ensure that there is some oversight and that the bargain-basement care is up to snuff.

What do you think of this trend? Is this the wonderful free market at work, offering vital a service where there is currently a lack?

Or should mega stores like Target and Wal-Mart just stick to selling plastic stuff at rock-bottom prices?

And, to bring this back into the insurance realm, what do you think health insurers will make of these retail clinics?

Related:
AMA Calls for Investigation of Retail Clinics
States Roll Out Retail-Clinic Rules

Posted by Jeb Foster at 10:55 AM | Permalink | Comments (2)
 

This week, entrepreneurial blog Springwise featured a new site in the UK which allows consumers to share rants and raves about their insurers.

Zuzzid is a forum of sorts, which not only allows registered users to share their experiences, but also totals all the shared experiences to rank British insurers. A price engine also compiles collective data, presenting users with general premium prices for different insurance types.

Somewhat surprisingly, the site belongs to UK insurer, Norwich Union, a company which is of course evaluated by Zuzzid users. Seems like a dangerous move, right?

Sure, it's risky. But it seems that Norwich Union is one of the first insurers to recognize the value of transparency and listening to their customers. Giving insureds an outlet to express their experiences—the good and the bad—also gives Norwich a bit of an advantage in that they're able to keep a pulse on what consumers expect and demand of their insurers. Talk about good market research.

I hope a similar site makes an appearance here in the U.S. Educated consumers make better purchasing decisions, which often translates in folks buying the right amount of coverage. Such sites will also help insurance companies stay on their best behavior. And, if you don't have anything to hide, sites like this may actually boost your business.

Take a look at Zuzzid and let me know what you think!

Posted by Megan Mahan at 10:08 AM | Permalink | Comments (0)
 

Here’s a way to persuade an auto insurance prospect to also buy renter’s insurance:

According to the III, renters are 50 percent more likely to be burglarized than homeowners.

To the extent that renters think about insurance at all, it seems that many think their possessions are insured under their landlord’s policy. It’s your job to clear up that misconception!

A lot of agents turn up their noses to selling renter’s policies because the margins are small. That’s no doubt the case, but what if you could make up for that in volume?

What’s preventing you from selling more HO-4 policies?

Posted by Jeb Foster at 12:37 PM | Permalink | Comments (0)
 

Ever wonder why InsureMe started blogging? Check out this recap of The Skinny on Blogging for Business as published in the September issue of the TAAR Report, and learn why.

At first blush, blogging for business might seem like a bit of an oxymoron. Often synonymous with the ranting and raving of celebrities (here’s looking at you, Rosie), grassroots political movements, and your teenager’s recount of the day, this medium seems about as likely to drum up business as Homer Simpson is to give up donuts.

But blogging has gone corporate over the last few years, giving faceless and seemingly cold companies a warm and approachable exterior.

In essence, business blogging has changed the way companies interact with prospects, current clients and industry peers. By having open conversations and providing valuable content for readers, blogs have also become somewhat of a PR vehicle.

Larger corporations—even some Fortune 10 companies—are using blogs to deal with media criticism and engage the public about their products and services. Given the interactive format of blog sites (they allow readers to post their own questions and comments), businesses are recognizing the value of having a conversation with their clients instead of talking at them.

For example, Microsoft, whose reputation for suing the competition and selling bug-laden products, turned to blogging to burnish their image. In fact, for their book, Naked Conversations: How Blogs Are Changing The Way Businesses Talk With Customers, authors Robert Scoble and Shel Israel conducted a Google search of “Evil Empire + Microsoft” and got 471,000 responses. (“Microsoft sucks” yielded almost 670,000 responses; “Microsoft + Borg” generated more than a quarter million results.)

Between a corporate black eye and many documented product flaws, Microsoft needed a brand overhaul, and blogging was one of their tools. In 2000, an XML program manager named Joshua Allen started a blog to respond to the criticisms and accusations Microsoft was enduring at the time. The legal department wasn’t thrilled, especially as the number of blogging employees grew.

By 2005, there were more than 1,500 active bloggers at Microsoft. And while legal was sweating, customers were reveling in the conversations they were having with real people inside Microsoft. These conversations became newsworthy, and as they continued, the Borg’s image began to soften. According to Naked Conversations, Joshua Allen even attributes blogging to an increase in employee morale and the company’s ability to attract new talent.

There are lots of grassroots success stories involving blogs. But you can bet there are risks too. So how can you leverage the power of blogging to build your brand and increase your web visibility? Let’s start with the basics.

Posted by Megan Mahan at 02:23 PM | Permalink | Comments (0)
 

We've loving Vern Fonk's insurance commercials this week. You might even say they're the hottest thing on the "InterMet."

Take a look at Vern Fonk's spots—and let it serve as a reminder that cheap advertising doesn't always equate to bad advertising.

Posted by Megan Mahan at 02:10 PM | Permalink | Comments (2)
 

Most of us have toiled in the food service industry at one time or another. And let’s face it: there are few jobs that are as stressful and thankless as serving food to strangers.

So you may resist my making an analogy between serving food and selling insurance, but there’s a lot to learn from waiting tables—and it’s not just how to develop a thick skin.

Sarah Dickerman reviewed a recent restaurant memoir called Service Included, by Phoebe Damrosch. The book covers Damrosch’s time as a server at a trendy, service-obsessed New York restaurant called Per Se.

It seems that being a good server is both incredibly complicated and ridiculously straightforward. On the ridiculously straightforward side of things, there’s saying hello to new customers, something that any restaurant goer knows is far from guaranteed. Dickerman: “Someday, I will learn to walk out of restaurants when I am not acknowledged with at least a ‘We'll be right with you …’ within a minute of arrival—it is as good a harbinger of a bumpy night as any I know.”

Application to selling insurance: your greeting is essential.

On the more complex side of things, there’s when to ask, “How is everything?” Dickerman: “Such questions should be occasional and timed for a moment when guests are not chewing. At the finest restaurants I've dined in, the question itself is obviated—waiters swim about like benevolent sharks, eerily sensing your needs.”

Application to selling insurance: don’t be a pest. Anticipate client needs.

And then there’s the question of what to do when you screw up, which is in the middle of the continuum between complicated and straightforward. Dickerman: “While an apology might come in the form of very noble grape juice at fancy restaurants, efficiently mitigating mistakes is a key to good service at any restaurant. A slice of pie can do the trick, but even a sincere, but simple ‘I'm sorry’ can work.”

Application to selling insurance: at the very least, an ‘I’m sorry’ is due when you screw up, and the sooner you fall on your sword, the better.

Posted by Jeb Foster at 01:27 PM | Permalink | Comments (0)
 

How much time do you spend nurturing the relationships you have with your customers? A phone call, a birthday card, a friendly reminder to renew their policy—it takes work to maintain a relationship. It’s common knowledge that a customer saved is a customer earned. So you are doing well to keep current customers smiling.

However, every customer was not created equal, so it follows you should treat them differently. Obviously, some bring you more business—referrals, multiple plans, and heftier policies. Are you spending as much on those clients as they are spending with you?

Conducting a customer assessment is a way to determine the value of your customers so that you can further develop your relationships with them.

Step one: Decide what attributes to use in your ranking.
- customer proximity
- number of policies
- variety of products purchased
- cumulative money spent
- number of referrals
- duration of the relationship

Step two: Establish a time period to track the aforementioned attributes.

Step three: Determine the perceived value of each attribute and assign points to each.

Step four: Develop a weighting scheme. Not all transactions should be weighted equally; they are weighted in direct proportion to their perceived value. The points a customer receives for upgrading his or her policy this month should be weighted more heavily than the points a customer receives for upgrading six months ago. Think: what have you done for me lately.

Step five: Develop an algorithm, or formula, to combine all the elements into a final score. Apply this formula to each of your customers and rank them accordingly.

Step six: Update this information regularly. It’s only helpful to track and rank your customers in this way if you maintain a score history, and watch to see if their business remains consistent or if it begins to fall off.

Step seven: Use it. Develop a communication plan based on the information you’ve gathered. You are now able to determine who your best customers are. Keep them loyal by rewarding them with a gift card or a chance to win a spa getaway weekend.

And you are able to pinpoint the customers who don’t do as much business. Entice them to do more with a mailer the next time insurance rates drop in their area to remind them that you are just a phone call away.

It takes some time, and the stomach for data analysis. But if you are able to take your transactional information and compile into useful statistics, you can gain insights into your customers’ insurance needs, buying patterns, and their loyalty. And use this information to your advantage.

Posted by maribeth neelis at 03:43 PM | Permalink | Comments (3)
 

Answer: If you have a certain homeowner’s policy with AIG and a wildfire threatens your home, you get your own private fire-fighting team:

In Idaho, when the Castle Rock wildfire started with a lightning strike, broke out and started to rapidly spread, hundreds of high-end homes were immediately evacuated. … [AIG] sent a private crew of firefighters to Wood River Valley, near Castle Rock, to protect 22 homes that it has insured for millions of dollars.

Posted by Jeb Foster at 03:10 PM | Permalink | Comments (1)
 

Following the rule of three, here are a few things you can try to boost your sales success.

Keep it simple.

Usually, sales people sell their product by discussing features and benefits until their blue in the face.

There is a great episode of Seinfeld where George’s realizes if he always ends on a high note, he always leaves his audience wanting more. Take George’s queue, and inform your prospect about three of the most important features or benefits of your product. And let them digest it.

In a recent post, Seth Godin explains that three is a magic number because it is manageable, memorable and actionable. So don’t overload your prospects with too much information.

Lighten up.

Telling someone to develop their sense of humor may seem about as helpful as telling someone they should grow a few inches. But using humor as part of your sales process loosens people up and makes you seem more human. You don’t have to have a stand-up act memorized. Just make small talk and pull off a few one liners and you’ll begin to see a difference.

Rethink your purpose.

Instead of thinking that the point of a sale is to make money, think differently about your purpose. Here are some pointers from Charles Green of Trusted Advisor Associates.

• The purpose of business is to add value where none existed
• The purpose of selling is to jointly articulate and point the way to greater value
• Closing reflects agreement on a common view of the greater value to be created
• Objections vaguely indicate lack of agreement on a view of a greater value to be created.

Change is good. A few tweaks to your routine could greatly improve your results. So try to implement a few simple changes each month and see where it takes you.

Posted by maribeth neelis at 01:12 PM | Permalink | Comments (4)