Birdland

You may be a small business, but that just means there’s all the more pressure to consistently be professional.

Most people will form their first impression of your company over the phone. That can make or break a business. Especially in those first 30 seconds, your customers begin to judge you by your telephone operating system, from how efficiently their call is handled to whether or not their call gets cut off after being on hold a few minutes. As a small business, you need to make the best initial impression possible, and that begins with your phone system.

Luckily, through small phone systems and business VoIP solutions, small businesses can have enjoy a professional operation, often at a cheaper rate than their traditional phone service as they often don’t have to pay for long distance, extra extensions, ring groups or voice mails. You can enjoy all the conveniences of a top-tier telephone system, probably at a cheaper rate than what you are paying now.

Changes in technology mean you no longer have to pay for separate phone and Internet lines. In essence, your phone system is run on-line, which means you can call any other on-line phone system for free. Since it’s on-line, it’s as free to use as email or other features of the web, but operates like a normal phone, the only difference being the lack of a long distance bill. Calls to traditional phone systems are also usually much cheaper, costing a small fee only when monthly allotted minutes have been used up.

What’s great about many of these systems is they put you directly in control. Often, you can change and gauge your phone system on-site yourself, using a simple to use computer programs that put you fully in control. Tweaking the system no longer requires a technician from your phone operator. You can usually do it yourself, even if you have a minimal knowledge of small phone systems and business VoIP solutions.

Truly professional phone systems used to be the luxury of the big companies. With VoIp technology, small businesses can easily afford the same level of professionalism, often for cheaper than they pay for local phone service. That’s good news for the little guys and just one of the ways business is transforming through the power of technology.

This country is experiencing what most experts would agree is the worst financial crisis since the Great Depression; and some would argue that it’s worse. The lack of confidence financial markets have in the government to adeptly navigate recessionary waters is astounding; and the lack of confidence that inspires in would-be investors – savers for college, retirees, or those looking to accrue enough wealth to buy a home with a big down payment – makes the sale of traditional retirement and investment products like mutual funds, asset allocation services, and advisory services practically impossible. More than ever, individuals are flocking toward conservative investments like money market mutual funds, CDs, and government bonds that they are sure will preserve principle. This trend explains why annuity retirement is becoming a much more attractive option to disillusioned savers, and you’d be hard-pressed to find a broker who has received an annuity sell order, especially for the non-variable type.

As a seller of structured investments, you are providing a product to your client that meets his or her goals that will also earn you a solid commission – usually a low single-digit percentage of the annuity you sell. Yet innovators in the industry have invented a way that benefits annuity investors and salespeople equally by leveraging principle at very low interest rates. The borrowed money is then either paid back through continued contributions to the annuity or else through the annuity’s own compounded interest. In other words, salespeople are able to receive a call for a much larger annuity sell because the principle is augmented by borrowed money and therefore earn a much larger commission. At the same time, the salesperson should also rest happily with the knowledge that he or she is providing the client with a way to accumulate wealth much more quickly with the help of borrowed money, but at very low risk because a) annuities are principle protected and b) the investor often pledges to repay borrowed money with contributions from his or her own business.

As a financial planner, I know how often interests conflict. Financial product companies constantly put out incentives for me to sell this or that risky, high-margin product to a client that doesn’t need it. Annuity retirement products are a true exception in the investment community. The security and stability they offer to clients are really priceless in their eyes, so I feel as though I’ve earned my commission by giving them a product that they definitely could not structure themselves in their own portfolios.
Bottom line: for greedy but ethical financial planners and product salespeople, selling annuities – fixed or variable, leveraged or unleveraged – is a great way to help people while making a good living.

I bought a Compaq laptop computer several years ago and I have been consistently impressed by its performance. This laptop was everything that I could have wanted in a computer and it exceeded every expectation that I had. I used this computer everyday, I took it with me virtually everywhere that I went and always relied upon it. Whether I was going on a business trip or just commuting home from work, I was spending my down time on my computer. I had all of my music files on it, all of my digital photos, videos, documents, spreadsheets and just about everything else that was important to me.

When I first purchased the computer, it was a top of the line model that offered the most innovative features available. While many of these features have become standard now on most laptop computers, I really didn’t want to purchase another new computer to replace my laptop. New laptops were impressive in their design, but their new features would become standard in time and I preferred to keep my old reliable laptop.

But my battery life on my computer had significantly declined and it was beginning to run sluggishly as it was finally low on memory. All of the music, video, and picture files had finally taken up all of the standard memory that my computer came with. I was very put off by the thought of replacing my laptop as I had grown quite attached to it. I decided to look into buying a Compaq replacement battery and finding a way to augment my Compaq computer memory.

Finding the Compaq replacement battery was very easy. I looked on-line and I found a number of them for sale. They were actually quite affordable so I purchased two just in case. After I installed my Compaq replacement battery and ran my computer its battery life was as long as it had been when the computer was brand new.

I knew that the next problem wouldn’t be as easily solved as the previous one. I called a local computer retailer and asked them if it would be possible to increase my Compaq computer memory. I was surprised to find out that it was possible, and that it wasn’t as expensive as I had anticipated. I happily agreed to have an experienced IT professional install extra Compaq computer memory into my laptop computer. After these simple improvements it ran like it did the day that I had bought it.