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7 Cold Calling Secrets Even The Sales Gurus Don't Know
More and more e-mails are arriving in my in-box from people who hate cold calling. Here's what they're saying: - "Cold calling terrifies me." - "The phone feels like a 10,000-pound weight." - "Every time I have to make a cold call, I...
Direct Sales Trainings – How Can It Help You?
If you are looking for job in sales & direct marketing you should take advantage of ‘learn and earn’ on-going trainings to enhance your career.
When you need training?
All trainings have different content and methodology but all of them are...
gomembers welcomes new staff addition
gomembers, Inc. (http://www.gomembers.com) is pleased to announce the addition of a new staff member to its Marketing Department, Mary Noonan. Mary will join the marketing team as a Marketing Assistant, focusing on the coordination of gomembers’...
Increase Your Sales with Telemarketing Joint Ventures
Telemarketing is a fast and convenient way to build sales into
your business. It is rated as the #1 technique for converting
lists of names and numbers into paying customers, and may serve
as a platform from which you can develop a real rapport...
What an Emotional Intelligence Program Can Do For Your Organization in 2004
The problems of low productivity, poor judgment, bad decisions, hiring the wrong people and losing the right people, unmotivated employees, lack of teamwork, and poor self-management lie wirh the emotions. So do the solutions. Studies have shown...
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HOW DO YOU PROTECT YOUR BUSINESS AGAINST THE LOSS OF A KEY EMPLOYEE
Key people are vital to your business. The loss of one or more of your key employees can cause disastrous problems. Sales may be lost. Credit can become more difficult to obtain. Profits may shrink, momentum may be lost, and training a replacement will cost you time and money. Life insurance on key employees can provide a business with a cushion to absorb the shock of such a loss. Most astute business owners insure physical assets from destruction. But when it comes to a business owner’s most valuable assets—key employees—many forget to take the same precautions.
To protect your business you might consider an insurance policy that protects a business when an essential employee dies. The employer pays premiums for an insurance policy on the key employee’s life. The employer is the owner and beneficiary. At the key employee’s death, the employer receives the policy’s tax-free death benefit.*
During the life of the key employee, cash values accumulate tax-deferred free every year. The cash values also generate an asset on the business’ balance sheet that can be used to create a reserve fund for opportunities and emergencies. It can also form the basis of a deferred compensation or a split dollar insurance program for the key employee. When the key employee
retires, the benefit can be transferred to him or her. After the key employee’s death, the tax-free proceeds provide funds to hire and train a new key employee, replace lost sales and profits and provide a death benefit for the employee’s family or stock redemption (both complete and partial)*. These funds also help assure customers and creditors of the business’ solid financial position during this transitional time.
A business should protect itself against the loss of its most valuable asset: key employees. Key person insurance is a business’ best means of protecting itself from the loss of these important people. Good management dictates that employers protect themselves from this risk. If you employ anyone whose sudden, unexpected loss would significantly affect your sales, profits and credit, then you should consider key person insurance.
*In some corporations, the death benefit may be subject to the corporate alternative minimum tax.
About the Author
Keith Muth is a shareholder and Managing Partner for Virginia Asset Management (www.vamcompanies.com). He is a Certified Public Accountant, a Chartered Financial Analyst, and a Certified Financial Planner -- one of only 158 people nationwide who hold all three of these prestigious designations.
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