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  • I Advice - The 12 Dumbest Things Salespeople Do

    Fiduciary Duty?
    Does your State mortgage originator licensing regulations say you have a "Fiduciary Duty" to your customers? Or does it say "you must provide the consumer with a reasonable, tangible net benefit" from a loan you provide? Both of these may soon be nationally mandated requirements if Congress has anything to say about it.The House of Representatives pulled no punches on Tuesday at its hearing on subprime and predatory mortgage lending as they took National Association of Mortgage Brokers President Harry Dinham to task on the subject of who brokers really work for, if they deny 'fiduciary responsibility' to their borrowers.Although violating either of those standards may subject you to harsh discipline and potentially aggressive punishment, it is the presence of Ethics & Integrity which will carry you through a life long career in our fine industry.I'm sure you've heard many times lately that it’s a short walk from unethical actions to full-blown fraud - but more importantly, are your actions ethical when it comes to serving a customer?Here's a couple of mental questions to ask yourself: If you have strong Ethics, do you understand it means how you behave when no one is watching? - because that's exactly what it means! Do you RAT OUT a fellow loan provider when you see he/she isn't acting ethically? Do you realize you ARE your brother's keeper in this industry ... what the 'next guy' does can make us all bleed! This last 'cycle' (1998 to 2007) brought us many long term problems (only now becoming apparent) - 99% of which be brought on ourselves ... by going along with the crowd.
    est we have, and if the person is qualified to secure a confirmed follow-up appointment. Note how numbers make this objective even "More specific."

    Action-step. Never leave home without written sales call objectives. The key word is "Never!"

    6. Getting mugged by your own mouth. This is a very easy trap for a salesperson to collapse into especially if you're extroverted and talkative. If you're not careful with the language you use, you run the risk of sounding like the "Mediocre majority." For example, you should avoid using these phrases: I think, can I be honest, can I ask you a question, I know you're busy so I won't take up much of your time, how soon do you need it, I agree with you - But, what do I have to do to earn your business today, so - what do you think, I was wondering etc. I hope you get the picture and recognize that these phrases aren't inherently sinister. They are however over-used by the salespeople who are in the "Mediocre majority" category. Avoid them like the Plague!

    Action-step. The more you prepare what you'll say and how you'll say it during a sales call the less likely you'll end up getting mugged by your own mouth.

    7. Making the sales call a virtual "Improvisation." The way my twisted mind works is there are only two types of sales calls.

    Creativity Management: the Role of Knowledge
    What do creativity managers do?Replace the word management with the word optimisation.That's what creativity managers do: they optimise the quality of the idea pool (creativity) and the implementation process (innovation).There are many methods of optimisation and the creativity leader must be aware of all of them, in other words, he or she must synthesise them for optimal effect.Areas [within creativity] that need managing include motivation, organisational culture, organisational structure, incremental versus radical effects and processes, knowledge mix, group structures, goals, process and valuation.Areas [within innovation] that need managing include idea selection, development / prototyping and the art of commercialisation.It is worth noting that 4000 good ideas result in 4 development programs, which in turn results in 1 winner.The role of KnowledgeThe knowledge mix influences creativity output. There are many ways to look at it.First, does in-depth knowledge of a field enhance the probability of a breakthrough or is that likely to cause blinkered vision? Another way of looking at it, can an individual with no knowledge in a field make a significant contribution to it?There is much interesting data, for example, the most valuable creative product appears at around year ten of an individual's engagement in a domain. Also, when peer influence is reduced, novel, diverse and valuable products tend to appear sooner.Second, how to we maximise the level of tacit knowledge? Tacit knowledge is all that cannot be easily coded (explicit knowledge) and includes experience, intuition and the like. Tacit knowledge makes up a far greater part of the knowledge base. Solutions include utilising frameworks, creating
    We all make mistakes and some salespeople seem to make a lot of them. What scares the vinegar out of me is that most salespeople keep making the same mistakes over and over again. Now in my book - that's just plain STUPID!

    Maybe this list will serve as a helpful reminder. Maybe it won't. But at least you're curious to learn what these blunders are or why would you keep reading this?

    In any case here's my list of the 12 Dumbest Things Salespeople Do:

    1. Relying on one relationship to protect your account. Why in theworld would you put all your eggs in one basket? Excuse me - with one person. It doesn't make any sense and the bigger the account is the more vulnerable you become. There are five reasons why you should develop more than one relationship in all your accounts, especially the major ones:

    First retirement - people do retire. Second is death - yep some people actually die at their desk. Sure it's not common, but it does happen. Third is resignation - people do leave for better opportunities and that happens more than you might imagine. Fourth is termination - some people actually get fired. Finally - and sure this is a long shot -some people win the Lottery.

    Action-step. Build and cultivate a network within every major account you have. The biggest Rolodex usually WINS! This is a rock-solid sales tip.

    2. Putting your fate with mid-level managers instead of starting with the top gun. The worst thing you can do is to follow your instincts on this one. Your instincts tell you to start at the easiest point of entry in any organization. Why - because it's easy! Once you gain access at this point your instincts continue to give you bad advice. Soon you'll be thinking you can't go over the head of the person you currently have the relationship with.

    Here's my advice and it works. Your first call should be to the CEO or president of the organization. Simply ask them, or their assistants, for their help in directing you to the right person. If you're doing this over the phone you should also ask them to transfer you to this key decision maker.

    Action-step. Make your first call to the CEO. It's easier to let him you down the organizational chart then to have some mid-level manager try to take you up the same organizational chart. This is more than a sales technique - it's an idea that really works.

    3. Telling prospects/customers that you’re NEW. I know this is a big one because I hear it all the time. Sad to say many years ago I even used this same mindless introduction. Imagine walking into an account and telling your prospect/customer that you are the new sales REP for your company. For a moment let's switch gears.

    Imagine boarding an airplane scheduled to fly from Chicago to San Francisco. Imagine also hearing the pilot welcome everybody on board and announcing that he is new at flying the 757 you are seated on. Also imagine your dentist refers you to a specialist for your very first root canal. And imagine that the specialist lets you know he's a recent Dental School graduate and you're his first patient. Now, how does that make you feel? That's how everyone feels when they're working with somebody who announces they are "NEW."

    Action-step. If you're new to sales or are an experienced sales REP just getting started with a NEW company give some thought how you will introduce yourself. Just don't say that you're "NEW."

    4. Doing price-driven quotes instead of value-structured proposals. If you're in sales you're likely to get requests on a daily basis for product quotes. Somebody wants you to quote on a particular product or a particular service. So, like someone following the Pied Piper you do exactly what they ask, namely you send them a quotation. Then you go ballistic when you lose the deal because you did not have the lowest price.

    Look Bubba - when you send somebody your quote all you are really doing is sending them a price to look at. If you don't like that approach get out of the quotation business. Do sales proposals. Load them with value. Make your sales proposal scream value and always include a benefits page. Your benefits page should be positioned ahead of your pricing page.

    Action-step. If you don't know anything about sales proposals I strongly suggest you do a search on Google.com and Amazon.com using the keywords "sales proposals." This is too important to be flying by the seat-of-your-ants!

    5. Making sales calls like a tourist. Anytime you show up on a prospect's/customer's doorstep without written sales call objectives you are nothing more than a well paid tourist. I think you'll agree most people most of the time are too busy to waste their valuable time. When you show up planning to touch base, catch up, check up, and see what's going on - that's called "Wasting time." To get you started in the right direction, here's an example of a written sales call objective for an account you're calling on for the very first time. Simply stated your sales call objective could be written as follows:

    "My objective for this sales call is to establish rapport, build some credibility, ask 3-5 open-ended questions, attempt to identify one common interest we have, and if the person is qualified to secure a confirmed follow-up appointment. Note how numbers make this objective even "More specific."

    Action-step. Never leave home without written sales call objectives. The key word is "Never!"

    6. Getting mugged by your own mouth. This is a very easy trap for a salesperson to collapse into especially if you're extroverted and talkative. If you're not careful with the language you use, you run the risk of sounding like the "Mediocre majority." For example, you should avoid using these phrases: I think, can I be honest, can I ask you a question, I know you're busy so I won't take up much of your time, how soon do you need it, I agree with you - But, what do I have to do to earn your business today, so - what do you think, I was wondering etc. I hope you get the picture and recognize that these phrases aren't inherently sinister. They are however over-used by the salespeople who are in the "Mediocre majority" category. Avoid them like the Plague!

    Action-step. The more you prepare what you'll say and how you'll say it during a sales call the less likely you'll end up getting mugged by your own mouth.

    7. Making the sales call a virtual "Improvisation." The way my twisted mind works is there are only two types of sales calls.

    Global Acquisitions-The Critical Measures
    The five critical factors that measure the success or failure of an acquisition are Financial measures, Economic measures, Strategic measures, Executive measures and Regulatory measures. Let us see how each of them can give your managers an overview of the acquisition and the implementation. When you are analysing the acquisition after a period of 6 months you would like to see whether the acquisition has improved the earnings per share (EPS) or return on Investments (ROI).Have shareholders respected your decision of acquisition in the right spirit by lifting your company's share price. Are the cumulative abnormal returns (CARs) positive. If you get a positive answer to all these questions then your acquisition has fallen in place.The next measure is the economic measure. You need to understand whether the acquisition has delivered in terms of higher efficiency and profitability. Has the acquired entity synergised into the parent company and achieved economies of scope and scale. If both of these have been realized then the company can translate these into improved profitability with time. The third and a very important measure is the strategic measure.Has the company achieved the strategic objectives that the top management had set out during the time of acquisition? Among the strategic objectives there are certain goals that can be quantified and certain ones that cannot be quantified. The goals that can be quantified are EPS, ROI, cash flows, market share and cashflow stability. The factors which cannot be measured are capability and competency acquiring, building foundations for future growth and defending markets where the company was already present. These judgments can be done by internal managers who are well aware of what the company wanted to achieve out of the
    ex usually WINS! This is a rock-solid sales tip.

    2. Putting your fate with mid-level managers instead of starting with the top gun. The worst thing you can do is to follow your instincts on this one. Your instincts tell you to start at the easiest point of entry in any organization. Why - because it's easy! Once you gain access at this point your instincts continue to give you bad advice. Soon you'll be thinking you can't go over the head of the person you currently have the relationship with.

    Here's my advice and it works. Your first call should be to the CEO or president of the organization. Simply ask them, or their assistants, for their help in directing you to the right person. If you're doing this over the phone you should also ask them to transfer you to this key decision maker.

    Action-step. Make your first call to the CEO. It's easier to let him you down the organizational chart then to have some mid-level manager try to take you up the same organizational chart. This is more than a sales technique - it's an idea that really works.

    3. Telling prospects/customers that you’re NEW. I know this is a big one because I hear it all the time. Sad to say many years ago I even used this same mindless introduction. Imagine walking into an account and telling your prospect/customer that you are the new sales REP for your company. For a moment let's switch gears.

    Imagine boarding an airplane scheduled to fly from Chicago to San Francisco. Imagine also hearing the pilot welcome everybody on board and announcing that he is new at flying the 757 you are seated on. Also imagine your dentist refers you to a specialist for your very first root canal. And imagine that the specialist lets you know he's a recent Dental School graduate and you're his first patient. Now, how does that make you feel? That's how everyone feels when they're working with somebody who announces they are "NEW."

    Action-step. If you're new to sales or are an experienced sales REP just getting started with a NEW company give some thought how you will introduce yourself. Just don't say that you're "NEW."

    4. Doing price-driven quotes instead of value-structured proposals. If you're in sales you're likely to get requests on a daily basis for product quotes. Somebody wants you to quote on a particular product or a particular service. So, like someone following the Pied Piper you do exactly what they ask, namely you send them a quotation. Then you go ballistic when you lose the deal because you did not have the lowest price.

    Look Bubba - when you send somebody your quote all you are really doing is sending them a price to look at. If you don't like that approach get out of the quotation business. Do sales proposals. Load them with value. Make your sales proposal scream value and always include a benefits page. Your benefits page should be positioned ahead of your pricing page.

    Action-step. If you don't know anything about sales proposals I strongly suggest you do a search on Google.com and Amazon.com using the keywords "sales proposals." This is too important to be flying by the seat-of-your-ants!

    5. Making sales calls like a tourist. Anytime you show up on a prospect's/customer's doorstep without written sales call objectives you are nothing more than a well paid tourist. I think you'll agree most people most of the time are too busy to waste their valuable time. When you show up planning to touch base, catch up, check up, and see what's going on - that's called "Wasting time." To get you started in the right direction, here's an example of a written sales call objective for an account you're calling on for the very first time. Simply stated your sales call objective could be written as follows:

    "My objective for this sales call is to establish rapport, build some credibility, ask 3-5 open-ended questions, attempt to identify one common interest we have, and if the person is qualified to secure a confirmed follow-up appointment. Note how numbers make this objective even "More specific."

    Action-step. Never leave home without written sales call objectives. The key word is "Never!"

    6. Getting mugged by your own mouth. This is a very easy trap for a salesperson to collapse into especially if you're extroverted and talkative. If you're not careful with the language you use, you run the risk of sounding like the "Mediocre majority." For example, you should avoid using these phrases: I think, can I be honest, can I ask you a question, I know you're busy so I won't take up much of your time, how soon do you need it, I agree with you - But, what do I have to do to earn your business today, so - what do you think, I was wondering etc. I hope you get the picture and recognize that these phrases aren't inherently sinister. They are however over-used by the salespeople who are in the "Mediocre majority" category. Avoid them like the Plague!

    Action-step. The more you prepare what you'll say and how you'll say it during a sales call the less likely you'll end up getting mugged by your own mouth.

    7. Making the sales call a virtual "Improvisation." The way my twisted mind works is there are only two types of sales calls.

    Project Management: History and Evolution
    Project management, as we know it at present began to stretch its branches only a few decades ago, yet it was mounting around civilization from the beginning of history.With an objective of maximum productivity with minimum participation, and to breed imagination into realism, human need for an optimal management system that can trigger workforce efficiency to yield product, that is predetermined and objectified was outlining a management system within the growth of human perception though out its evolution.This stream of development in its respective path also had marked its course from its source, and events in its voyages were observed and registered in the pages of history.Turning these pages, today we witness a simple endeavor to illustrate and analyze tasks through simple bar charts cultivated seed yesterday, and within a short span of time, it had grown to a gigantic tree of the project management industry we witness at present.“Henry Gantt” is considered to be the forefather of project management, as his planning and organizing methods with the use of the “bar charts” as a project management tool recognizes him as the foremost precursor for contemporary project management practices employed today.However, civilization was practicing an anonymous management system for accomplishing tasks carried out by them since the beginning of civilization; as today we can witness Pyramids, Roman structures, etc as one of most exceptional achievements human workforces had ever delivered.To consider these massive project missions without any proper management scheme would be an unjust platform to write about today for our ancestors. The conception of project management was there in the womb of our civilization from the beginning, but its name is
    t/customer that you are the new sales REP for your company. For a moment let's switch gears.

    Imagine boarding an airplane scheduled to fly from Chicago to San Francisco. Imagine also hearing the pilot welcome everybody on board and announcing that he is new at flying the 757 you are seated on. Also imagine your dentist refers you to a specialist for your very first root canal. And imagine that the specialist lets you know he's a recent Dental School graduate and you're his first patient. Now, how does that make you feel? That's how everyone feels when they're working with somebody who announces they are "NEW."

    Action-step. If you're new to sales or are an experienced sales REP just getting started with a NEW company give some thought how you will introduce yourself. Just don't say that you're "NEW."

    4. Doing price-driven quotes instead of value-structured proposals. If you're in sales you're likely to get requests on a daily basis for product quotes. Somebody wants you to quote on a particular product or a particular service. So, like someone following the Pied Piper you do exactly what they ask, namely you send them a quotation. Then you go ballistic when you lose the deal because you did not have the lowest price.

    Look Bubba - when you send somebody your quote all you are really doing is sending them a price to look at. If you don't like that approach get out of the quotation business. Do sales proposals. Load them with value. Make your sales proposal scream value and always include a benefits page. Your benefits page should be positioned ahead of your pricing page.

    Action-step. If you don't know anything about sales proposals I strongly suggest you do a search on Google.com and Amazon.com using the keywords "sales proposals." This is too important to be flying by the seat-of-your-ants!

    5. Making sales calls like a tourist. Anytime you show up on a prospect's/customer's doorstep without written sales call objectives you are nothing more than a well paid tourist. I think you'll agree most people most of the time are too busy to waste their valuable time. When you show up planning to touch base, catch up, check up, and see what's going on - that's called "Wasting time." To get you started in the right direction, here's an example of a written sales call objective for an account you're calling on for the very first time. Simply stated your sales call objective could be written as follows:

    "My objective for this sales call is to establish rapport, build some credibility, ask 3-5 open-ended questions, attempt to identify one common interest we have, and if the person is qualified to secure a confirmed follow-up appointment. Note how numbers make this objective even "More specific."

    Action-step. Never leave home without written sales call objectives. The key word is "Never!"

    6. Getting mugged by your own mouth. This is a very easy trap for a salesperson to collapse into especially if you're extroverted and talkative. If you're not careful with the language you use, you run the risk of sounding like the "Mediocre majority." For example, you should avoid using these phrases: I think, can I be honest, can I ask you a question, I know you're busy so I won't take up much of your time, how soon do you need it, I agree with you - But, what do I have to do to earn your business today, so - what do you think, I was wondering etc. I hope you get the picture and recognize that these phrases aren't inherently sinister. They are however over-used by the salespeople who are in the "Mediocre majority" category. Avoid them like the Plague!

    Action-step. The more you prepare what you'll say and how you'll say it during a sales call the less likely you'll end up getting mugged by your own mouth.

    7. Making the sales call a virtual "Improvisation." The way my twisted mind works is there are only two types of sales calls.

    Designing the Perfect Civilization and then franchising it World Wide
    Is it possible to design the Perfect Civilization and then franchising it World Wide; calling it the World Franchise System? Could we do this by making our own civilization perfect and then using it as a model? SimCity on steroids if you will.Perfect the required systems of the civilization first like; Water, power, infrastructure, schools and get World Bank Financing, trade and distribution points, communication, fixing of humans (healthcare), etc. It can be done. Franchising can do this.Emerging nations could see what we have ask to buy-in, we take our model of the SYSTEM and make an unbreakable system and government structure to run it as efficiently as possible. Royalties will be paid to stay in the trade unions, pay the ROI to world bank and profits used to do the next deal or help the next emerging nation, which wishes to better itself?I guarantee you that franchising Freedom, Democracy, Liberty and systems of civilization is a much stronger concept to franchise than fundamental ideology and it will so immediately obvious to all those individuals that they will want to join the World Franchise System, designed and built using the most successful model. Ours that is one we perfect it.
    ou are really doing is sending them a price to look at. If you don't like that approach get out of the quotation business. Do sales proposals. Load them with value. Make your sales proposal scream value and always include a benefits page. Your benefits page should be positioned ahead of your pricing page.

    Action-step. If you don't know anything about sales proposals I strongly suggest you do a search on Google.com and Amazon.com using the keywords "sales proposals." This is too important to be flying by the seat-of-your-ants!

    5. Making sales calls like a tourist. Anytime you show up on a prospect's/customer's doorstep without written sales call objectives you are nothing more than a well paid tourist. I think you'll agree most people most of the time are too busy to waste their valuable time. When you show up planning to touch base, catch up, check up, and see what's going on - that's called "Wasting time." To get you started in the right direction, here's an example of a written sales call objective for an account you're calling on for the very first time. Simply stated your sales call objective could be written as follows:

    "My objective for this sales call is to establish rapport, build some credibility, ask 3-5 open-ended questions, attempt to identify one common interest we have, and if the person is qualified to secure a confirmed follow-up appointment. Note how numbers make this objective even "More specific."

    Action-step. Never leave home without written sales call objectives. The key word is "Never!"

    6. Getting mugged by your own mouth. This is a very easy trap for a salesperson to collapse into especially if you're extroverted and talkative. If you're not careful with the language you use, you run the risk of sounding like the "Mediocre majority." For example, you should avoid using these phrases: I think, can I be honest, can I ask you a question, I know you're busy so I won't take up much of your time, how soon do you need it, I agree with you - But, what do I have to do to earn your business today, so - what do you think, I was wondering etc. I hope you get the picture and recognize that these phrases aren't inherently sinister. They are however over-used by the salespeople who are in the "Mediocre majority" category. Avoid them like the Plague!

    Action-step. The more you prepare what you'll say and how you'll say it during a sales call the less likely you'll end up getting mugged by your own mouth.

    7. Making the sales call a virtual "Improvisation." The way my twisted mind works is there are only two types of sales calls.

    What Does Your Writing Say About You?
    I was once asked to critique a 100 page business plan for a client that needed to apply for financing to start a multi-million dollar pharmaceutical company. Most bankers would have turned down the applicant for financing because the business plan was full of jargon, written in highly technical language, and hard to understand. The first 40 pages of the plan were vague and spoke in general terms. They did not clearly convey what the loan applicant was trying to sell or how they planned to generate revenue to pay back the loan. There was no clearly defined business strategy or marketing plan. There was just a lot of information about the medical/homeopathic results of very technical research. To say the least the business plan didn’t even have an opening abstract to inform the reader of the key points of the document.Well into the second half of the business plan I realized that all the key information a banker needs to make an informed decision about approving financing was buried deep within. But would the banker have made it to this point of the document? Probably not. Banks are inundated with loan applications every day and to ask someone to go through a document that doesn’t even have an outline is a lot to ask of anybody.The author of this above-mentioned business plan had only one opportunity to make a favourable first impression and to get the funds necessary to start his business. If the reader (the loan’s officer) did not respond well to the document, the author would likely never be invited to personally communicate the message he had been trying to convey on paper. Even though he was highly qualified in his field, his business plan did not give that impression. It didn’t show that he had the business savvy or management skills required to successfully run
    est we have, and if the person is qualified to secure a confirmed follow-up appointment. Note how numbers make this objective even "More specific."

    Action-step. Never leave home without written sales call objectives. The key word is "Never!"

    6. Getting mugged by your own mouth. This is a very easy trap for a salesperson to collapse into especially if you're extroverted and talkative. If you're not careful with the language you use, you run the risk of sounding like the "Mediocre majority." For example, you should avoid using these phrases: I think, can I be honest, can I ask you a question, I know you're busy so I won't take up much of your time, how soon do you need it, I agree with you - But, what do I have to do to earn your business today, so - what do you think, I was wondering etc. I hope you get the picture and recognize that these phrases aren't inherently sinister. They are however over-used by the salespeople who are in the "Mediocre majority" category. Avoid them like the Plague!

    Action-step. The more you prepare what you'll say and how you'll say it during a sales call the less likely you'll end up getting mugged by your own mouth.

    7. Making the sales call a virtual "Improvisation." The way my twisted mind works is there are only two types of sales calls. One is prepared and the other is a total improvisation. Let me concede right out of the chute, it's inconceivable to totally prepare for a sales call - the way I define the word prepare. It should also be inconceivable to you from this point on, that your sales calls should be a 100% improvisation. In this example, when I use the word prepare, I mean in writing.

    Here's a short list of what I recommend you thoroughly prepare -in writing: Prepare how you call for appointments. Prepare your elevator speech. Prepare at least 12 open-ended questions. Prepare how you will segue into your presentation. Prepare how you will deal with the price objection. Also prepare how you will ask for the customer's commitment to order your product/service.

    Action-step. Prepare in writing the words you will use in each of these key steps in your selling process. Preparation always sounds better than improvisation. Always!

    8. Forgetting to develop the "Brand Called You." One of the cardinal sins I observe salespeople making is your complete reliance on the branding of your products and your company. Please remember this. Most people don't buy the product. Most people don't buy the company. Most people buy - because they buy the relationship with the sales professional working with them.

    I just ordered the autobiography written by PT Barnum. I can't wait to get my hands on this book. If you want to be remembered you have to be memorable and PT Barnum wrote the book on this topic. Marketing will win more sales than selling ever can. To be a success today, and in almost any business, you have to be an extraordinary marketer! You might want to buy Peter Montoya's book, "The Brand Called You."

    Action-step. I believe everybody is unique. Discover your uniqueness parade it around your sales territory. Forget about being boring, bland, and benign. Blending in is out! Standing out is in! Do everything you can to be different in a memorable way!

    9. Playing the win-lose instead of the win-win game. This point is easy to say and hard to do because it involves a dramatic change in your thinking. In some cases, it may involve a lobotomy! Never offer a price concession without getting a concession from your prospect/customer. To do so means he wins and you lose. Whatever happened to the good old-fashioned game of win-win?

    What happened to it is quite simple and very easy to fix. When ever someone asks you for a better price - ask them for a better deal - which could mean a larger quantity, something else added to the order, an extended contract etc.

    Action-step. This one takes courage. Do you have what it takes to do what it takes to make your selling game a win-win game?

    10. Putting your families on the veritable back-burner. Most people don't think bad things can happen to them. I think it's called the theory of self-exception. Maybe it's because you're so optimistic. You think you'll live for ever. You think your families will live for ever. Take it from me it doesn't always work out that way. Now rest assured, I hope it does for you and your family.

    I just don't want you to bank on it. You see stuff happens: My first wife Louise died when she was 34 from cancer. My brother John died when he was 46 from a brain tumor. My brother Ray, a New York City firemen, was killed on 9/11 at the age of 46. Enough said!

    Action-step. When you put your family on the back-burner you're risking life's biggest regret - "I wish I had spent more time with my family." To avoid this potential tragedy make your calendar the centerpiece of your life and make sure every member of your family is on your calendar.

    11. Living life in the multi-tasking lane. This thing called multi- tasking isn't what it's cracked up to be. Sure it looks impressive to a casual observer to see you driving your car with a headset on and nibbling on your morning egg McMuffin. How many tasks can you do at the same time and do them equally well? Some people, notably researchers writing on the subject, are now saying that tasks completed by the multi-taskers are losing out in the quality department.

    Hey - it's a No-Brainer - how many things can you do at the same time and do them all exceptionally well? Go figure! Two months ago in the men's room of one of my major clients I heard someone behind that closed door, and presumably in a seated position, talking on his cell phone, munching on what sounded like potato chips and flushing at the same time. How do you explain that to a customer? Would you actually say you're passing through Niagara Falls, thus accounting for the noise in the background? I think you get the point and I'll leave the rest to your imagination.

    Action-step. This one is so easy it hurts! Start every day with a written list of what you want to get done during that day. Using numbers, be sure to prioritize your list. Do one thing at a time. Do the most important thing first. Don't do anything else unless it's more important than the next most important thing on your list. I told you this was easy - easy to say and hard to do.

    12. Giving a "Gazillion people" your cell phone number. Man do I get a lot of heat when I talk about this

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