No one knows better than you just how dramatically change has altered the insurance landscape in the last many years. Maybe you've felt the shudder in your bottom line. Maybe You've lost customers. Maybe you're not even having fun anymore. It doesn't have to be that way! In fact, opportunities to capitalize on those changes and maximize your profits are already within your reach-if you know where to look. This book will help you retool your thinking and strategies to do that. You'll learn from industry expert Troy Korsgaden how to: - Mine the gold that's already in your customer database - Multiply sales with deeper household penetration - Turn every product and every employee into a profit center - Make easy sales without the drudgery of X-date calling - Seize new profits with financial services products The simple strategies in this book have worked for thousands of agents in big and small agencies across the country, whether they're new to the industry or agency veterans. So don't wait for tomorrow to embrace the future. With Troy Korsgaden on your side, you can journey into it with confidence today!

Author of cult classics The Pumpkin Plan and The Toilet Paper Entrepreneur offers a simple, counterintuitive cash management solution that will help small businesses break out of the doom spiral and achieve instant profitability. Conventional accounting uses the logical (albeit, flawed) formula: Sales - Expenses = Profit. The problem is, businesses are run by humans, and humans aren't always logical. Serial entrepreneur Mike Michalowicz has developed a behavioral approach to accounting to flip the formula: Sales - Profit = Expenses. Just as the most effective weight loss strategy is to limit portions by using smaller plates, Michalowicz shows that by taking profit first and apportioning only what remains for expenses, entrepreneurs will transform their businesses from cash-eating monsters to profitable cash cows. Using Michalowicz's Profit First system, readers will learn that: · Following 4 simple principles can simplify accounting and make it easier to manage a profitable business by looking at bank account balances. · A small, profitable business can be worth much more than a large business surviving on its top line. · Businesses that attain early and sustained profitability have a better shot at achieving long-term growth. With dozens of case studies, practical, step-by-step advice, and his signature sense of humor, Michalowicz has the game-changing roadmap for any entrepreneur to make money they always dreamed of.

This text shows that citizens can change the globalized world in the direction of many common values by being a socially conscious investor. The authors argue that in fact globalization is helping create a shared concern for many issues around the planet.

Every day employees make decisions that ultimately get reflected in the financials. In many businesses, sales reps exert the most impact on the financial success of a business because their decisions directly affect one of the most important lines on the income statementthe sales linehowever; other employee groups can influence financial results. Purchasing affects costs of goods sold; managers, supervisors and employees affect expenses; other employees affect the utilization of assets such as inventory, receivables and fixed assets; and everyone affects productivity. The good news for almost anyone in business is that a mere 1 percent improvement in key variables they influence every day can have a huge impact on profitability in a very short period of time. You do not have to make significant investments or wait years for the result. You do not have to create teams and initiate projects nor do you have to add any work to your current workload. You can make a difference today and start to see the results by month end! The 1% Difference is a story about how a manager takes over a struggling branch office and realizes significant improvements in profitability. He begins by helping employees discover the multiplier affect of their decisions and then gets them fully engaged in finding small improvements. The result amazes everyone.

The key to success is your ability to adapt and improve through effective change. If you are not satisfied with your company performance, then change is not only in order but also absolutely essential to achieving new heights. A critical step is Senior Leadership internalizing that there is a problem. Complacency is dangerous to the life and longevity of any company or team. When you are not satisfied with your current performance including profits, time to market, creativity, cost structure, and new products - solutions are critical. Trusted outside guidance can assist you with improving your company's senior leadership effectiveness while increasing profits. Karl Eberle and Manny Barriger have combined their experience to assist those at the top - to develop the best approach to, direction for, and strategy by implementing effective change from the top down. Learn how to identify issues and implement solutions that mesh with your company's ability to deal with change.

From the ill-fated dot-com bubble to unprecedented merger and acquisition activity to scandal, greed, and, ultimately, recession -- we've learned that widespread and difficult change is no longer the exception. By outlining the process organizations have used to achieve transformational goals and by identifying where and how even top performers derail during the change process, Kotter provides a practical resource for leaders and managers charged with making change initiatives work.

A timeless classic of economic theory that remains fascinating and pertinent today, this is Frank Knight's famous explanation of why perfect competition cannot eliminate profits, the important differences between "risk" and "uncertainty," and the vital role of the entrepreneur in profitmaking. Based on Knight's PhD dissertation, this 1921 work, balancing theory with fact to come to stunning insights, is a distinct pleasure to read. FRANK H. KNIGHT (1885-1972) is considered by some the greatest American scholar of economics of the 20th century. An economics professor at the University of Chicago from 1927 until 1955, he was one of the founders of the Chicago school of economics, which influenced Milton Friedman and George Stigler.