This audiobook is a comprehensive guide to selling auto, home, and umbrella Insurance. I´ve also put in some commercial lines tips as well. If you´re having a hard time selling insurance based on value and keep getting price objections, then this guide might be what you have been looking for. I´ve detailed out methods, rebuttals, tips, and techniques to help. This guide answers a lot of common questions I receive from agents. It´s tougher now than ever to compete as an insurance agent. Give it a listen, and let me know what you think. 1. Language: English. Narrator: Oliver Hunt. Audio sample: http://samples.audible.de/bk/acx0/115241/bk_acx0_115241_sample.mp3. Digital audiobook in aax.
Recurrent event data arise in diverse fields such as medicine, public health, insurance, social science, economics, manufacturing and reliability. The purpose of this book is to present models and statistical methods for the analysis of recurrent event data. No single comprehensive treatment of these areas currently exists. The authors provide broad but detailed coverage of the major approaches to analysis, while also emphasizing the modeling assumptions that they are based on. Thus, they consider important models such as Poisson and renewal processes, with extensions to incorporate covariates or random effects.More general intensity-based models are also considered, as well as simpler models that focus on rate or mean functions. Parametric, nonparametric and semiparametric methodologies areall covered, with clear descriptions of procedures for estimation, testing and model checking. Important practical topics such as variations in observation schemes or selection of individuals for study, the planning of randomized experiments, events of several types, and the prediction of future events are considered.Methods of modeling and analysis are illustrated through many examples taken from health research and industry. The objectives and interpretations of different analyses are discussed in detail, and issues of robustness are addressed. Statistical analysis of the examples is carried out with S-PLUS software and code is given for some examples.This book is directed at graduate students, researchers, and applied statisticians working in industry, government or academia. Some familiarity with survival analysis is beneficial since survival software is used to carry out many of the analyses considered. This book can be used as a textbook for a graduate course on the analysis of recurrent events or as a reference for a more general course on event history analysis. Problems are given at the end of chapters to reinforce the material presented and to provide additional background or extensions to certain topics.
Great salespeople are made, not born. Now you can learn how to get the winning edge in the art of selling from America´s 5 best sales professionals: Martin Shafiroff, the world´s #1 stockbroker; Bettye C. Hardeman, America´s #1 residential real-estate agent; Joe Gandolfo, the world´s #1 life insurance agent; Mary Kay Ash, founder and chairman of Mary Kay Cosmetics, Inc.; and Buck Rodgers, IBM´s legendary super-salesman. First, follow fictitious salesman Michael Baker step-by-step through the essential stages of a successful, detailed sales presentation from preparing for the presentation and getting past the gatekeeper on the telephone to overcoming objections and closing the sale. Then, the 5 super-salespeople speak candidly about their own experiences and the secrets of their success. Among the topics discussed are how to make a cold call, how to control tone of voice and appearance, how to get on a first-name basis with the decision-maker, and how seasoned professionals deal with rejection. This is truly a must-have reference and inspiration for anyone who wants to sell anything. 1. Language: English. Narrator: Buck Rodgers, Mary Kay Ash. Audio sample: http://samples.audible.de/bk/bant/000224/bk_bant_000224_sample.mp3. Digital audiobook in aax.
Built on foundations set in the previous two volumes, Be the Better Broker, Volume 3 is a detailed, step-by-step guide to the client-broker experience. From the opening question - ´´What´s your best rate?´´ - to the two magic words - ´´File Complete!´´ - this book will give you access to the processes, scripts, and strategies used during hundreds of conversations addressing application intake, overcoming objections, the signing of the mortgage commitment, compliance, and insurance documents. This book is your guide to building your resume, marketing, and advertising, along with a base of referring clients and all-out raving fans via one simple approach creating excellence throughout the client experience. Apply the principles and the scripts outlined in this book and you will be on your way to building your own 200+ file-per-year business. You will increase your funding ratio! You will increase your production! The mantra of Volume 3: ´´File Complete!´´ 1. Language: English. Narrator: Sean Pratt. Audio sample: http://samples.audible.de/bk/acx0/084552/bk_acx0_084552_sample.mp3. Digital audiobook in aax.
Animals bond people and transcend class, financial and cultural barriers. Pets matter to people more than anything, but what happens to those people who can´t afford pet insurance or vet´s bills?Animal Matters is a diary of real-life cases written during a year of Charlotte´s career working as a veterinary surgeon in a 24-hour inner-city London animal charity hospital. The audiobook provides listeners with a revealing, honest, emotional experience, with deeply sad moments followed by amusing and unimaginable ones. Charlotte writes both short amusing diary entries along with more detailed accounts and reflections back on her training and the experiences and difficulties she has come up against over the decade since she graduated. Throughout the audiobook you will get to know both the animals and the people and how close the bond between us can be. Charlotte also discusses contemporary issues in veterinary medicine such as animal euthanasia, RSPCA welfare cases, mental health issues within the veterinary profession, ethical concerns around pedigree dog breeding and the laws on dangerous dogs. Animal Matters is a moving and heartwarming audiobook about the unconditional love between animals and humans and how deep the bond can be. 1. Language: English. Narrator: Heather Long. Audio sample: http://samples.audible.de/bk/hodd/002089/bk_hodd_002089_sample.mp3. Digital audiobook in aax.
How investment strategies designed to reduce risk can increase risk for everyone - and can crash markets and economiesFinancial crises are often blamed on unforeseeable events, the unforgiving nature of capital markets, or just plain bad luck. Too Smart for Our Own Good argues that these crises are caused by certain alluring investment strategies that promise both high returns and safety of capital. In other words, the severe and widespread crises we have suffered in recent decades were not perfect storms. Instead, they were made by us. By understanding how and why this is so, we may be able to avoid or ameliorate future crises - and maybe even anticipate them.One of today’s leading financial thinkers, Bruce I. Jacobs, examines recent financial crises - including the 1987 stock market crash, the 1998 collapse of the hedge fund Long-Term Capital Management, the 2007-2008 credit crisis, and the European debt crisis - and reveals the common threads that explain these market disruptions. In each case, investors in search of safety were drawn to novel strategies that were intended to reduce risk but actually magnified it - and blew up markets. Too Smart for Our Own Good takes a behind-the-curtain look at: The inseparable nature of investment risk and reward and the often counterproductive effects of some popular approaches for reducing riskA trading strategy known as portfolio insurance and the key role it played in the 1987 stock market crashHow option-related trading disrupted markets in the decade following the 1987 crashWhy the demise of Long-Term Capital Management in 1998 wreaked havoc on US stock and bond marketsHow mortgage-backed financial products, by shifting risk from one party to another, created the credit crisis of 2007-2008 and contributed to the subsequent European debt crisisThis broad, detailed investigation of financ 1. Language: English. Narrator: John Gagnepain. Audio sample: http://samples.audible.de/bk/graw/000803/bk_graw_000803_sample.mp3. Digital audiobook in aax.
Advice on protection and profits in the short and long term future from the experts who accurately predicted the financial crisis of 2008, and who now have more detailed information about what is yet to come.From the authors who accurately predicted the domino fall of the conjoined real estate, stock, and private debt bubbles that led to the financial crisis of 2008 comes the definitive guide to protection and profit in 2012 and beyond. Based on the authors´ unmatched track record of precision predictions in their three landmark books, America´s Bubble Economy (Wiley, 2006), Aftershock (Wiley, 2009), and Aftershock, Second Edition (Wiley, 2011), their next book offers what readers have been clamoring for: A detailed guide to how to put Aftershock in action, with 14 new chapters on what investors need to know to survive and thrive in the next global money meltdown. The Aftershock Investor shows readers:Why recent actions by the U.S. Federal Reserve will eventually damage the dollar and hurt investors worldwideHow future rising inflation and interest rates will harm your specific investments, and what to do about itWhat´s next for stocks, bonds, currencies, commodities, and other assetsDetailed investment advice about real estate, retirement, annuities, life insurance, jobs, and much moreHow to buy and own gold and silver before, during, and after the coming AftershockHow to profit rather than lose when so many asset bubbles collapse around the worldThose who heeded the authors´ warnings last time were able to successfully ride out the financial crisis of 2008 and even cash in on the years that followed. Now The Aftershock Investor offers readers a second chance at protection and profit in the next financial crisis ahead.PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your My Library sec 1. Language: English. Narrator: Allan Robertson. Audio sample: http://samples.audible.de/bk/adbl/013965/bk_adbl_013965_sample.mp3. Digital audiobook in aax.