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	<title>Accounts Group Finance</title>
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	<link>http://accountsgroup.com</link>
	<description>Finance Site</description>
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		<title>Client Negotiation and Closing for PSF</title>
		<link>http://accountsgroup.com/client-negotiation-and-closing-for-psf/</link>
		<comments>http://accountsgroup.com/client-negotiation-and-closing-for-psf/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 10:33:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advertising]]></category>
		<category><![CDATA[marketing]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/?p=164</guid>
		<description><![CDATA[In order to reach this stage of the selling process the professional has to have convinced the prospective client that: 1 A problem situation/client need exists.2 It is in the client&#8217;s interest to solve the problem/satisfy the need.3 The problem/need has been correctly identified and diagnosed.4 The solution/service offered by the professional is appropriate.5 The [...]]]></description>
			<content:encoded><![CDATA[<p>In order to reach this stage of the selling process the professional has to have convinced the prospective client that:</p>
<p>1 A problem situation/client need exists.<br />2 It is in the client&#8217;s interest to solve the problem/satisfy the need.<br />3 The problem/need has been correctly identified and diagnosed.<br />4 The solution/service offered by the professional is appropriate.<br />5 The professional/firm is capable of providing the proposed solution/service.</p>
<p>These points need to be established and re-established by the professional(s) in the prospective client&#8217;s mind. The basis of additional information, once these points have been established, is the accept-ability to the client of the timing of the proposed solution/service offering, the professional staff who will deliver the solution/service and manage the client/service interface, and the proposed fee level and fee schedule.</p>
<p>Two important elements in any negotiation between professional and prospective client at this stage of the selling process are objections and trial closing.</p>
<p>In most negotiations professionals will encounter some implicit or explicit objections to the proposal, staff, fee or timing. It is important that professionals are trained, or at least made aware of potential objections and techniques for overcoming them. Listman suggests that professionals can handle client objections during the negotiation phase of the selling process in at least seven different ways.</p>
<p>1 Explain (agree to the objection then qualify the agreement).<br />2 Reverse (turn the objection into another selling point).<br />3 Admit (agree that the objection is valid and modify the proposal).<br />4 Delay (delay answering the objection).<br />5 Ignore (in some situations clients may say things they don&#8217;t believe).<br />6 Deny (show the objection to be invalid).<br />7 Qualify (ask for a further explanation of the objection).</p>
<p>Professionals cannot be allowed to view objections as personal insults, unwanted confrontations or obstacles to be avoided.</p>
<p>For a successful conclusion to the personal selling process it is important that professionals realize that potential clients&#8217; objections are best dealt with by making them explicit and dealing with them, rather than trying to avoid them and move as quickly as possible to &#8216;closing&#8217; the sale.<br />Most professionals view the &#8216;closing&#8217; part of the negotiation process as similarly difficult and even something they find difficult to confront. Almost every professional will fear the prospective client saying &#8216;no&#8217; at this stage as this may result in feelings of failure, personal rejection and damage to any further relationship with the prospective client. Again, most professionals can gain a great deal from training in negotiation and closing.</p>
<p>Any training in this area needs to get professionals to understand and practise &#8216;trial closing&#8217;. Trial closing is the building up of a series of acceptances, degrees of agreement and determination of a client&#8217;s readiness to &#8216;close&#8217; the negotiation. A series of &#8216;trial closes&#8217; should be used before the professional ultimately closes by asking explicitly for the engagement, appointment, contract, etc. Trial closing does often involve techniques such as gaining prospective client agreement with component parts of the proposal such as the problem definition and the proposed solution, summarizing the key selling points, moving past the close with discussions concerning what might happen after the close &#8216;assuming we take on this assignment we would then . . etc. Such trial closing techniques used throughout the negotiation will help the professional to feel more confident about closing the sale at the appropriate moment. Sarah loves reading <a href="http://www.allpro.ag/">sportsbook</a> and writing for sports and business sites.</p>
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		<title>Additional Charges for Loans</title>
		<link>http://accountsgroup.com/additional-charges-for-loans/</link>
		<comments>http://accountsgroup.com/additional-charges-for-loans/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 16:32:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<guid isPermaLink="false">http://accountsgroup.com/?p=155</guid>
		<description><![CDATA[Credit providers typically charge a set-up fee or &#8216;brokerage fee&#8217;. Fees vary depending on the term of the loan. Before you take out a payday loan, find out what these fees are. Ask the credit provider if they will consider reducing some of the fees for you. If they agree, make sure the credit contract [...]]]></description>
			<content:encoded><![CDATA[<p>Credit providers typically charge a set-up fee or &#8216;brokerage fee&#8217;. Fees vary depending on the term of the loan. Before you take out a payday loan, find out what these fees are. Ask the credit provider if they will consider reducing some of the fees for you. If they agree, make sure the credit contract reflects the reduced fees. Note that <a href="http://www.doomsdayloans.co.uk/">broker&rsquo;s fee on cash loans</a> will depend on the amount of loan as long as the creditor is aware of the extra charges that is a fair deal.&nbsp;</p>
<p><span>Credit providers and brokers that are not&nbsp;licensed&nbsp;are operating illegally.&nbsp;Make sure you only deal with a company or person who is licensed. It will safer for consumers to deal with licensed brokers. Though they pay quite an expensive amount for extra charges but you can be confident since the company has legitimate brokers.&nbsp;</span></p>
<p><span>The best way to stay out of debt is not to get a loan. Think about whether you need the money right now, or if you can hold off until your next payday. Or you can negotiate with a&nbsp;service&nbsp;provider to pay your bill in instalments? There are options for creditors. But its up to creditors if they will choose the best loan provider or not.&nbsp;</span></p>
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		<title>Purchase Decision Making</title>
		<link>http://accountsgroup.com/purchase-decision-making/</link>
		<comments>http://accountsgroup.com/purchase-decision-making/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 11:42:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advertising]]></category>
		<category><![CDATA[marketing]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/?p=158</guid>
		<description><![CDATA[The evaluation of potential service providers along the criteria favoured by the consumer will lead to the identification of a favoured provider. The translation of this favoured provider into the actual supplier of a professional service is achieved through the purchase phase. This may indeed be the first time that the potential client contacts the [...]]]></description>
			<content:encoded><![CDATA[<div class="WordSection1">The evaluation of potential service providers along the criteria favoured by the consumer will lead to the identification of a favoured provider. The translation of this favoured provider into the actual supplier of a professional service is achieved through the purchase phase. This may indeed be the first time that the potential client contacts the firm and the translation from favoured candidate to actual supplier may not be an easy or straightforward process. In contacting the firm the potential client may decide that he/she doesn&#8217;t like the tone/personality of the firm or individual professional simply from a telephone call and may call another firm. Often the availability of the service at a convenient time will cause the client to switch from the originally preferred provider to another firm. Marketers will need to know the obstacles and factors that can prevent a potential client becoming an actual client as the firm will obviously wish to reduce these barriers and perceptions with regard to its own potential clients and even analyse how the firm might best profit from these factors with potential clients of competing firms.</p>
<p><em>Purchase evaluation</em></p>
<p>After purchase and during and after using a professional service the consumer will formulate an opinion as to the wisdom of the choice of professional service provider and gain some awareness of the firm and its staff which will reshape their initial perceptions and lead to a feeling of satisfaction or dissatisfaction with the firm and its service provision. Most consumers will have a heavy emotional rather than rational component in their purchase decision making and will thus look for clues and evidence that their purchase decision was the &#8216;correct&#8217; one. This demonstrates the need for marketers to reinforce the original beliefs of the client as much as possible. Marketers will also need to determine the actual criteria and relative importance of the factors used by consumers in evaluating the quality of the professional service offering and in reaching a decision concerning their satisfaction with their original purchase decision.</p>
<p>Market analysis is the cornerstone of successful marketing. It is obviously the first stage in the marketing process and the development of a marketing orientation within a professional service firm. Un&shy;fortunately, market analysis is not a quick, easy or glamorous task. The market analysis phase of any strategic or marketing planning process is typically the hardest, most time consuming and costly stage. It is also the most fundamental and is vital to the success of the professional service firm. Planning marketing programmes, strategies and communications campaigns without rigorous, systematic market analysis will diminish the effectiveness of the firm&#8217;s marketing effort and the use of its marketing resources by orders of magnitude. Sarah loves writing about sports and <a href="http://www.allpro.com/mlb-betting">baseball</a> mostly, but she also writes on business websites.</p>
</div>
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		<title>Low cost mobile phone contracts</title>
		<link>http://accountsgroup.com/low-cost-mobile-phone-contracts/</link>
		<comments>http://accountsgroup.com/low-cost-mobile-phone-contracts/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 18:29:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Savings]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/?p=152</guid>
		<description><![CDATA[Not paying full price for anything is the goal of everyone these days.&#160; So many people will spend a lot of time online going from one website to another in an attempt to locate the lowest possible price on that item they in need of.&#160;&#160; From tires to diapers, online shopping has become the thing [...]]]></description>
			<content:encoded><![CDATA[<p>Not paying full price for anything is the goal of everyone these days.&nbsp;  So many people will spend a lot of time online going from one website to  another in an attempt to locate the lowest possible price on that item  they in need of.&nbsp;&nbsp; From tires to diapers, online shopping has become the  thing to do if you want to save money and spend less.</p>
<p>If mobile phones for your business is what you are shopping online for, why not check out <a href="http://businessmobiles.co.uk/"><span style="text-decoration: underline;">Businessmobiles.co.uk</span></a>.&nbsp;  Here you will be able to discuss your business requirement with a team  of workers who have years of experience in the field of business  contracts.&nbsp;&nbsp; UK customers will find free and unbiased service and also  deals that are exclusive to this site.&nbsp; When the time comes to purchase  new handsets for your workers, you will want to choose from the latest  makes and models.</p>
<p>It is true that low prices are what the internet offers, but when you  know which site to go straight to so you can supply your business with  what it needs, your search will be quick and easy and before you know  it, you are done.</p>
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		<title>Breathing a sigh of relief</title>
		<link>http://accountsgroup.com/breathing-a-sigh-of-relief/</link>
		<comments>http://accountsgroup.com/breathing-a-sigh-of-relief/#comments</comments>
		<pubDate>Tue, 06 Mar 2012 14:02:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt management]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/?p=149</guid>
		<description><![CDATA[When your debt has become a problem because you are unable to make the needed payments, life can be stressful and you can lay awake at night with all kinds of worries.&#160; This is no way to live and everyone should know they can get the help they need to be able to breath a [...]]]></description>
			<content:encoded><![CDATA[<p>When your debt has become a problem because you are unable to make the  needed payments, life can be stressful and you can lay awake at night  with all kinds of worries.&nbsp; This is no way to live and everyone should  know they can get the help they need to be able to breath a sigh of  relief when it comes to their finances.&nbsp; Regaining financial control can  begin with a search online for the <a href="http://www.debtmanagement.org.uk">help you need</a>.</p>
<p>Then you can discover that there are many ways to deal with your  situation and there is a proper solution that is right for you.&nbsp; Each  person has their own unique set of circumstances and learning the basic  information and management plans is where you start.&nbsp;&nbsp; Whether your goal  is to pay off your credit cards, consolidate your student loans or to  be debt free by the time you are ready to retire, there is a plan that  is right for you.</p>
<p>Once you have your debt under control, you can breath easier and life  will not be so stressful.&nbsp; It&#8217;s nice to know there are debt counselors  who are ready and waiting to help you with your financial troubles.&nbsp; Get  your help today!</p>
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		<title>Where to start you compensation claim</title>
		<link>http://accountsgroup.com/where-to-start-you-compensation-claim/</link>
		<comments>http://accountsgroup.com/where-to-start-you-compensation-claim/#comments</comments>
		<pubDate>Sun, 04 Mar 2012 16:52:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[claims]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/?p=144</guid>
		<description><![CDATA[Anyone who is seeking legal counsel might not know where to go to find it.&#160; Unless you are injured, you might not ever have a need to connect with a legal professional for help.&#160; Maybe your injury took place where you work or on the road in a traffic accident but either way, citizens of [...]]]></description>
			<content:encoded><![CDATA[<p>Anyone who is seeking legal counsel might not know where to go to find  it.&nbsp; Unless you are injured, you might not ever have a need to connect  with a legal professional for help.&nbsp; Maybe your injury took place where  you work or on the road in a traffic accident but either way, citizens  of the UK will need to file a compensation claim.</p>
<p>This process can start online where information about an <a href="http://www.accidentclaims.org">injury claim</a> will lead any injured person in the right direction.&nbsp; Nobody ever looks  forward to being injured but when and if the day does come, knowing  where to find the help you need is your first step.&nbsp; You will have many  questions that only a legal professional can answer.</p>
<p>Personal injuries can come from many causes and whether yours takes  place where you work, on the road, in your home from a defective product  or in some other way, legal advice is what you will be wanting first.&nbsp;  Only you can file your injury claim so it is up to you to make that  first step toward the compensation that you know you deserve.&nbsp; Legal  counsel is closer than you think.</p>
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		<title>A cheap night out</title>
		<link>http://accountsgroup.com/a-cheap-night-out/</link>
		<comments>http://accountsgroup.com/a-cheap-night-out/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 18:53:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/?p=136</guid>
		<description><![CDATA[At one time, a night on the town was a special occasion where friends and couples would spend the whole night with plans for dinner, drinks, socializing and maybe even take in a movie. This night out usually lasted till dawn and at the end, it could have cost a lot more than they expected.&#160; [...]]]></description>
			<content:encoded><![CDATA[<p>At one time, a night on the town was a special occasion where friends  and couples would spend the whole night with plans for dinner, drinks,  socializing and maybe even take in a movie. This night out usually  lasted till dawn and at the end, it could have cost a lot more than they  expected.&nbsp; Today, this type of evening is not done as often as people  are doing what they can to watch their money and spend less.</p>
<p>Those who are now dating might find this tough economic time to be  challenging.&nbsp; The guy wants to impress his date but he doesn&#8217;t want to  break the bank in the process.&nbsp; If these two people were matched on a  dating site, there won&#8217;t be any problem because their compatibility test  matched them for their values also.&nbsp; This means they both view money in  the same way and being frugal is something they both have in common. &nbsp;</p>
<p>Your date will understand that making plans for an afternoon picnic is more cost effective than an evening on the town.&nbsp; <a href="http://www.parship.ie/">Parship Ireland</a> is perfect for matching singles in this area so they too can plan a date that will suit them both.</p>
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		<title>What Exactly is a PPI</title>
		<link>http://accountsgroup.com/what-exactly-is-a-ppi/</link>
		<comments>http://accountsgroup.com/what-exactly-is-a-ppi/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 00:23:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[payment insurance]]></category>
		<category><![CDATA[PPI]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/what-exactly-is-a-ppi/</guid>
		<description><![CDATA[Payment Protection Insurance can be difficult to understand. It doesn’t need to be. Payment Protection Insurance – or PPI – is simply an insurance program meant to cover your payments in the event that you cannot. It is most often sold with mortgages and allows for assistance in covering payments in the event you fall [...]]]></description>
			<content:encoded><![CDATA[<p>Payment Protection Insurance can be difficult to understand. It doesn’t need to be. Payment Protection Insurance – or PPI – is simply an insurance program meant to cover your payments in the event that you cannot. It is most often sold with mortgages and allows for assistance in covering payments in the event you fall ill or are unable to work.</p>
<p>PPI sounds like a good thing and it certainly can be. However, it is important to realize that it should be considered voluntary – something you choose to purchase. Some loan providers are now requiring their borrowers to purchase PPI coverage as a condition of loan approval. You can file a claim if you have been <a href="http://www.ppiclaims.org.uk">wrongfully sold payment protection insurance</a>.</p>
<p>The cost of the insurance itself is based on the amount of the loan. It is most often simply rolled into the monthly payment. As was stated earlier, PPI can be a good and beneficial thing. It can offer you peace of mind that an unexpected hiccup won’t throw you into financial ruin. But it is also important that you are aware of the presence of PPI within your mortgage agreement, what its monthly cost is to you and most importantly what it covers. When you find yourself needing  to file PPI claims is not the time to find out that your coverage isn’t what you thought it was.</p>
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		<title>Pros And Cons Of Cash Isas</title>
		<link>http://accountsgroup.com/pros-and-cons-of-cash-isas/</link>
		<comments>http://accountsgroup.com/pros-and-cons-of-cash-isas/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 23:30:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[cash isa]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[isa]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/pros-and-cons-of-cash-isas/</guid>
		<description><![CDATA[Cash&#160;isa is an &#8220;Individual Savings Account&#8221;. These usually pay a higher interest rate than a regular savings account. And, you don&#8217;t have to pay taxes on the money.&#160;This means that you will invest a certain sum on money and leave it grow on interest. The additional sum that forms is tax-free and therefore can be [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.nsandi.com/savings-direct-isa">Cash&nbsp;isa</a> is an &ldquo;Individual Savings Account&rdquo;. These usually pay a higher interest rate than a regular savings account. And, you don&rsquo;t have to pay taxes on the money.&nbsp;This means that you will invest a certain sum on money and leave it grow on interest. The additional sum that forms is tax-free and therefore can be seen as net profit. There are restrictions on the sums that can be deposited to cash ISA.</p>
<p><u>Pros to using cash isas</u></p>
<ul>
<li>They are simple to open and keep track of.</li>
<li>They are tax-free.</li>
<li>You have easy access to your money.</li>
<li>The value does not decrease.</li>
<li>Anyone over the age of 16 can have one.</li>
<li>Good for long term savings</li>
<li>Low minimums</li>
<li>You can have instant access.</li>
<li>Some are fixed term</li>
<li>Some offer guaranteed base rates</li>
</ul>
<p><u>Cons to using cash isas</u></p>
<ul>
<li>Small return on investment.</li>
<li>You do not make that much money.</li>
<li>You have to tie up your cash.</li>
<li>Transferring cash isas to another provider is hard.</li>
</ul>
<p>Cash ISAs are simply savings accounts where the interest isn&#8217;t taxed. Just like normal savings accounts there&#8217;s a variety of cash ISAs available, such as instant access, fixed rate, and accounts with base rate guarantees.</p>
<p>Before choosing one, it is wise to check as many cash isas as possible.</p>
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		<title>Planning your life ahead</title>
		<link>http://accountsgroup.com/planning-your-life-ahead/</link>
		<comments>http://accountsgroup.com/planning-your-life-ahead/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 14:26:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://accountsgroup.com/planning-your-life-ahead/</guid>
		<description><![CDATA[As a young professional with a bright future, it is hard to think about saving and making plans for the far future with a salary, which grows from one month to the next. After all, you worked hard during those student years, and it is time to satisfy a part of your caprices. However, remember [...]]]></description>
			<content:encoded><![CDATA[<p>As a young professional with a bright future, it is hard to think about saving and making plans for the far future with a salary, which grows from one month to the next. After all, you worked hard during those student years, and it is time to satisfy a part of your caprices. However, remember that nothing is granted in life, and a disaster such as the financial recession from 2008 could appear anytime. This is why you should think about the <a href="http://www.financialplanners.net/">advices of monetary planning companies</a> starting now. The financial effort will not be so huge, but the satisfactions and benefits on the long term can&rsquo;t be neglected. Here are some methods to find only the <a href="http://www.financialplanners.net/registered-financial-planners.html">approved and authorized financial planners</a>.   If you want to maintain a decent standard of life, sometimes we need to make financial efforts. All the major objectives in life imply costs, whether they are anticipated or unforeseen, small or big, future or present.</p>
<p>Those expenses have a significant impact over the budget of the family, and sometimes we cover the current expenses by cutting form possible expenses in the future. For the small unforeseen expenses, you can use the monthly reserve fund, but for the big ones, it is better to have a unit linked life or health insurance.   The money you need can be obtained through two different methods: saving or credit. While the credits are relatively costly methods, the economies are a proactive and planned solution that is also filled with rewards when it comes to reaching your ideals. It is important to make the right choice, and even if you think there is no other option besides a credit, the financial adviser might find a solution that will allow you to obtain the respective sums without borrowing money from the bank or from the financial institutions.</p>
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