In order to protect consumers from untrained, uneducated individuals that may sell the wrong product to the wrong consumer – and end up in a heap of trouble – the government decided it was in the consumers best interest (and for your peace of mind – your best interest as well!) to have people that knew what they were talking about when investing money.  Having a form of licensing helped pave the way for consistency and control of the industry. 

 The LLQP can be a home study course, it can be part of a college degree in Financial Services, it can be a course taken directly through a college – the options are all valid.  Having this solid foundation of understanding at the start of your career can really set the tone for your business. 

 Segregated Funds are an insurance based investment product.  These items reduce the risk clients may otherwise feel when the market dips suddenly.  FaithLife Financial has two guarantees with our Segregated Fund Investments.  The first being the death benefit guarantee.  If you are under the age of 65, every penny you put in (less withdrawals, if applicable) is guaranteed to be paid out upon your death to your beneficiary – regardless of what the markets are doing.  There is also a 75% maturity guarantee.  What this means is after 10 years, 75% of what you put in will be guaranteed to be there upon this anniversary.  Again, the markets could be well below this threshold, but it doesn’t affect your guarantee.  The client gets the advantage of competitive market gains, but reduces the risk of market losses.  When you compare this with its Mutual Fund cousin – which rides the roller-coaster of what the market dictates without any guarantees – the benefits are obvious. 

 At FaithLife Financial, we take your education seriously.  Our full time, in-house trainer is there to answer your questions and guide you through the course.  This alleviates some stress and apprehension that may come up when you find out you must complete a course!  The educating of our Representatives doesn’t stop at the beginning.  In various forms, we offer free training – weekly, monthly, and quarterly to encourage personal and professional growth.  There is no expert alive that would tell you they finished learning. 

 Get over the idea that only children should spend their time in study.  Be a student so long as you still have something to learn, and this will mean all your life.  ~Henry L. Doherty

Kathy

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When you find yourself  “downsized” or laid off, you join a myriad of individuals trying to clamour back into the rat race and find some stability.  First thing is DO NOT PANIC!  Take a deep breath and reassess your strengths and weaknesses…what you enjoyed about your last job and what you did not.  Envision yourself in your ideal career, and write down the goals you would need to accomplish in order to get there.  One of the most impactful things you can do is keep busy with RELEVANT activities related to your desired career.  Side effects include unintentional networking with potential hiring managers, helping hands to get back on your feet, and sound advice on how to pursue your goal effectively.

I am going to refer you to this great article in Forbes, 10 Things You Need to do While you’re Unemployed.  It is filled with practical advice to keep you feeling confident, because when you unemployed it is easy to beat yourself down.  Stay positive.  Challenge yourself everyday to do something that takes you one step closer to your goal! 

At FaithLife Financial we encourage all of our Financial Representatives to re-visit their business goals weekly, monthly, quarterly and annually.  Your business plan has to be flexible.  If something is not working fix it immediately – don’t wait for it to “right itself” – because it won’t.   It feels great  to put a check mark beside an accomplished goal!

Upgrading your career can be as easy as asking questions, meeting people, and researching your targets. 

Kathy

Doug D April 2012 newsletter

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