Jim Ruta

Do you panic when a prospect answers the phone instead of it going to voice mail?

Have you tried to come up with an elevator speech but have nothing to say?

Are referrals coming slower than you feel you deserve?

Are you more afraid of prospects than they are of you?

Do you spend more time on social media than prospecting and selling? 

Are your results lower than they need to be?

In a world where texting and tweeting passes for real conversations with prospects and clients, the state of the economy gets the blame for poor results. Ironically, we have set unrealistically high performance expectations but settled for average performance.

It doesn’t have to be that way. You can experience a big turnaround when you’re ready to tell the truth about the reasons you are under-performing. When you change your perspective you can change your power and performance.

Offering an insider’s view of the complex relationship between average and high performance, acclaimed speaker and author Jim Ruta explains how to break free of average… to go from average to magnificent.

A frequent contributor to major industry magazines and websites worldwide, the author of five successful books including his latest, The Art of High Performance, Jim is popular on main stages around the globe. Having received the highest accolades for his recent MDRT Main Platform presentation, The Art of High Performance reveals where focus, expertise and effort converge to create high performance.

He has his finger on the pulse of financial services industry excellence and gives financial advisors in all disciplines the detailed map for the road to high performance.

Jim has spent more than 30 years working in the industry, researching financial advisors, their key challenges and top solutions. He’s also had to overcome personal and business hardship and loss along the way. He’s applied that combined wisdom to teach financial advisors how to achieve their full personal and business potential, despite the odds, for more than 10 years.

In this presentation, you will learn:

• The importance and real value of high performance
• The key steps in The Art of High Performance
• Why multi-tasking is killing your performance and what you can do about it
• What prospects really want when you first walk in
• The 10 principles of excellent performance
• How to plan two years ahead for high performance every year
• How to set and then “process” goals so you actually achieve them… and much more!

(Available in 50 – 75 minute formats)

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You and Your Money

You and Your Money® – MONEY.CA the online Investment Marketplace is proud to bring everyone together by way of  “money” the original social media and the social currency we all have in common. You and Your Money is not just a saying or motto it is a blog, but not just any blog it is the third important of financial content and perspective that is required when reporting the straight goods on personal finance. the Top Canadian Financial Writers, Authors and Bloggers have joined forces to tell more Canadians important information about wealth and financial literacy.  You and Your Money is not asking what investors have done with their money but rather the perspective of financial professionals and advisors suggesting what investors ought to do with their money.

MONEY.CA/MONEY News Site has commercial and business news and corporate information along with financial disclosure and new product launch information. MONEY in the business sense covers the business news that matters most in collaboration with newswire.ca marketwire.com businesswire.com prweb.com globenewswire.com and prnewswire.com. MONEY not only gets, gathers and distributes the financial news and data – MONEY is proud to use its collaboration with world-class media companies to promote and propel the needs, ideas and concepts as determined by MONEY for the interest of personal finance and literacy in Canada.

Me and My Money is the third and one of the most important considerations regarding money and the conversation of money. Me and My Money an important concepts and sought after social media platform where Canadians have come to learn more about making, saving and preserving more money.

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KIA Optima

Cars with the most brand-loyal buyers

While automakers in the luxury segment are often thought of as enjoying among the most loyal customers in the business, the top names in this regard are all mainstream makes, according to a just-released report based on second-quarter 2011 sales compiled by Experian Automotive in Schaumburg, Ill.

Data shows that Kia currently boasts the most loyal owner body, with nearly 48 per cent of buyers returning to the brand this year. Ford is second highest with 46.5 per cent repeat business. Chevrolet, Hyundai, Toyota and Honda all registered around 40 per cent brand loyalty, with Subaru bringing back buyers at the rate of around 36 per cent.

Among luxury automakers, the highest-ranking brands were Mercedes-Benz with 34.8 per cent repeat buyers, BMW at 31.7 per cent, Porsche at 23 per cent and Jaguar at 16 per cent.

Kia’s parent company Hyundai Motor Group posted a corporate loyalty rate of 49.6 per cent, according to Experian’s data, just edging out Ford Motor Co. at 48.1 per cent and General Motors at 47.6 per cent.

“According to our latest market report, Hyundai Motor Group has been making strides in customer loyalty for several years,” says Jeffrey Anderson, director of consulting and analytics for Experian Automotive. “In North America, both Kia and Hyundai have made improvements in vehicle styling and quality among both brands. This has clearly helped them gain and maintain a strong and loyal customer base.”

Three Kia models ranked among the top 10 vehicles having the most brand loyalty in Experian’s report, including the list-leading Kia Forte compact sedan at 68 per cent, along with the Soul compact wagon and the two-door compact Forte Koup.

Seven out of 10 of the models in Experian’s list were comprised of mainstream domestic-brand models, topped by the Chevrolet Cruze in second place with 64 per cent brand loyalty. The remainder were Ford models, including the subcompact Fiesta, the midsize Fusion sedan, the seven-passenger Flex crossover SUV, the Taurus full-size sedan and the compact Focus.

Experian’s study also concluded that among automotive segments, full-size truck owners were the most likely to purchase another big pickup, registering 58.6 repeat business during the second quarter of 2011. Owners of hybrid cars trade in for other hybrids at the rate of 43 per cent, as do those buying premium crossover SUVs. The least brand-loyal were found to sports car owners, with just 21 per cent buying another equally racy model, and those driving mid-range SUVs – a segment that been steadily losing traction to car-based crossovers in recent years – at 21 per cent.

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]]> http://money.ca/you_and_your_money/2011/10/19/keywords/feed/ 0 http://money.ca/you_and_your_money/2011/10/18/financial_literacy_canada/ http://money.ca/you_and_your_money/2011/10/18/financial_literacy_canada/#comments Tue, 18 Oct 2011 04:35:15 +0000 james http://money.ca/you_and_your_money/?p=41

MONEY.CA ~ FPSC Hit the Streets and Talked to Canadians about Money

Canadian Financial Literacy

TORONTO, Oct. 17, 2011 /CNW/ – October 17-23 is Canada’s third annual

Financial Planning Week and as part of its campaign to get more Canadians engaged in their financial wellbeing, Financial Planning Standards Council (FPSC^® hit the streets to hear what Canadians are saying about money.

One weekend, in a last-ditch attempt to avoid disaster, top finance officials — representing 117 countries and six billion souls — come together and meet. The officials engage in intense — sometimes frantic — debate. They explore every possible solution known to modern man, plus some that are still not known. But they’re stumped. They come up with no new ideas. That’s when the highest finance official of the world’s second-largest economy speaks.

He can barely mask his frustration — and fear — as he calls for massive, unprecedented steps to stem a domino-like series of defaults.

He cites words such as “cascading default, bank runs, and catastrophic risk.” And he bluntly tells the group that time is running out!

But when the meeting adjourns, nothing has been done; no decisions have been made. Instead, the finance officials fly home to the far corners of the globe. They go home to their families. And secretly, they pray the financial collapse does not destroy modern society as we know it.

Unbelievable? Then Consider This …

This was not a fictional scenario. It actually happened EXACTLY as I just described — THIS past weekend!

The economy on the brink of financial meltdown is the European Union. With a GDP nearly $2 trillion larger than the GDP of the United States, it is clearly the biggest economy in the world.

The giant European banks buried in bad loans include France’s Crédit Agricole and Société Générale. With $3.6 trillion in assets between them, they are the largest in the world.

And the high finance official who issued the doomsday warning is none other than U.S. Treasury Secretary Timothy Geithner.

Speaking before the delegates to the IMF/World Bank meeting in Washington, D.C., this past Saturday, his warnings were shocking. So they merit repeating:

→ Cascading default

→ Bank runs

→ Catastrophic risk

→ Running out of time!

Why was he so blunt? What does he fear that average citizens are just beginning to comprehend?

Is it the recent panic in the global markets — investors dumping sovereign bonds, banks recoiling from interbank lending, global money markets freezing up?

Is it the utter fragility of the U.S. economy, still struggling to recover from its own debt nightmare?

Or is it the chronic vulnerability of America’s largest banks, still loaded with bad mortgages, still taking massive risks with derivatives, and still directly vulnerable to Europe’s debt disaster?

The answer: All of the above! But of greatest concern is …

The Fragility of America’s Largest Banks

Many investors seemed shocked when Moody’s downgraded Bank of America’s long-term debt from A2 to Baa1 last week.

But even with the downgrade, we believe Moody’s is being overly generous to Bank of America. The bank has …

• $421.7 billion tied up in mortgages — more than any other bank on the planet!

• $52.5 trillion in high-risk derivatives — more than 36 times larger than its total assets and nearly 341 times bigger than its risk-based capital!

• Massive exposure to the possibility that some of its trading partners in the U.S., Europe, or elsewhere might default — to the tune of 182% of its capital, according to the Comptroller of the Currency.

And it’s not alone! Other major U.S. banks are in a similar predicament.

Candidates for Disaster

It’s because of these kinds of dangers that, one month ago, I warned Bank of America was a candidate for bankruptcy.

And it’s also because of these dangers that I’m publishing here — for the first time — our latest list of the nation’s weakest large banks, based the latest second-quarter data recently released by the FDIC.

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Bank of America merits a Weiss Rating of D (weak). But it’s clearly not the only one. Also getting a D grade are two other giants — JPMorgan Chase and Wells Fargo.

Nor is this weakness restricted to the nation’s largest banks. Major regional institutions — SunTrust Bank, Regions Bank, Compass Bank, Huntington National Bank, and others — are also vulnerable.

All told, 2,553 U.S. banks and thrifts now get a Weiss Rating of D+ (weak) or lower, implying widespread vulnerability to the consequences of sovereign debt defaults in Europe and to a double-dip recession in the U.S.

How Could This Impact You?

In too many ways!

First, if you own bank stocks, you’re bound to lose a lot of money. Their shares are already plunging, and the experience of 2008-2009 tells us they could fall a lot more.

Second, banks and other financial institutions are the heartbeat of the entire economy. If they go down, so does business.

Third, if you have money in a weak bank, it could be in jeopardy. Yes, the U.S. government may come to the rescue. But because of scarce government resources and new, stricter bailout laws, this time around, any bailouts are bound to be more painful — to the bank, its shareholders, AND its creditors.

My recommendation:

1. Get your money to safety. If you must use a bank, do most of your business with those meriting a Weiss Rating of B+ or higher.

2. Never allow your deposits to exceed the FDIC protection limit.

3. For added safety and liquidity, seriously consider moving a big chunk of your cash from bank deposits and checking accounts to

• 3-month Treasury bills (which you can buy through your broker or directly from the Treasury) or …

• A money market fund that invests exclusively in short-term Treasuries.

Yes, I know Treasury bills don’t yield hardly anything. And I recognize that Uncle Sam’s finances are also shaky — a factor that could impact medium- and long-term Treasuries. But the Treasuries I’m recommending mature in only 13 weeks. And I believe the chance of the U.S. government defaulting on its debt within the next 13 weeks is nil.

4. The more bank stocks plunge, the more money you can make. And if a bank fails, the profit potential is enormous. But that’s just one way to use this great crisis as a great wealth builder

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