Top Three Xmas Present Ideas for Girls

The question is what does she really want? You know what I mean… That gift that will make hers eyes light up with joy, when she removes the wrapping paper and sets her eyes on the toy that she’s wanted for some time…

Well don’t worry I’m here to help with the top three Xmas present ideas for girls this year, which hopefully will help you to get a good idea of the hottest three toys on the market at the moment for girls and also give you a good idea of what girls are into.

1) The Furreal Go Go walking Pup along with a string of other Fur real pets are tipped to be massive this Christmas. If you’re wondering what exactly fur real pets are and why they are in such high demand then listen up chums… Fur real pets as the name suggests are a number of lovable toy animals that have been made to look cute and emulate behaviours of real pets. Kids and especially girls absolutely love them and the Go Go walking Pup is the most wanted going by sales and popularity.

2) Dolls are always a hit with girls and this year it’s no different. Zapf Creation have made their most realistic doll to date with the Baby born magic feeding doll which cries, drinks, eats and even wets himself… For little girls who love dolls this will be on the top of their wish list and an Xmas present they’ll love for a very long time.

3) The Zhuzhu grooming salon comes third on our list of the top three Xmas present ideas for girls. Zhu Zhu hamsters is extremely popular amongst children and both girls and boys have really taken a liking to the many different hamsters and play sets available. Girls will love the idea of grooming a pet hamster and giving it a special style to make their pet original.

6 Things NEVER to Say During Your Sales Presentation

I’ve been listening to sales rep pitch their products and services for over 25 years now, and there are still words, phrases and techniques that send shivers down my spine. And I’ll tell you now they send shivers down the spines of their prospects and clients, too.

Let’s face it – when selling over the phone, all you have is your voice, and the way you deliver your presentation – the words you use, the inflection, pacing and timing you use – has a huge impact on the way you are perceived by your prospects. Unfortunately, many sales reps project an image of being unprepared, unsure, rushed and sometimes even scared.

Your prospects sense this immediately. They know from your first few sentences whether they are dealing with a confident sales pro, or with someone who isn’t very sure of what they’re selling and who is uncomfortable with the sales process. And like sharks, these prospects will attack and blow you off with all the stalls, resistance and objections you get now.

If you want to project an image of professional competency, then make sure and avoid using any of the following statements or words:

What NOT to say when cold calling or prospecting:

1) Stop opening your calls with, “How are you?” I’ve written about this before, but 99% of sales reps are still telegraphing themselves as unwanted sales persons by starting out their conversations this way. How do YOU feel when someone you don’t know calls you and uses this worn out line? Probably like hanging up on them- which is exactly how your prospects feel as well. So stop it!

Instead, use a better opening line that immediately differentiates you from all the other sales reps calling your prospects. Use something that connects with them instead, that focuses them on the call and that forces them to think and interact with you.

A few of my favorites are: “How’s your Tuesday going so far?” and “Has it started/stopped snowing there yet?” and “Can you hear me O.K.?”

2) Take the word, “individual” out of your vocabulary when speaking, emailing or otherwise addressing a prospect, as in, “I know you’re a busy individual… The word individual is an institutional, cold phrase that doesn’t belong in a sales conversation.

Think about it: When was the last time someone you didn’t know called you and referred to you or your wife as “individuals”? How’d that make you feel? Did it give you the warm and fuzziness or did you make you think you were about to be committed?

The language you use must help you create a natural, conversational tone, and words like, “busy individual” or “busy professional”, etc, do just the opposite.

3) “Things of that nature.” I cringe as I even write those words… Whenever I hear a sales rep end a sentence with “Things of that nature,” I’m pretty sure they have no idea of what they’re talking about. That phrase is most often used by mediocre sales reps to hide or cover up the truth that they don’t know all the details of what they’re talking about. Or, it is used to as lazy way to bridge into other qualifying questions.

If you are using it now, please consider using something else, or better, explain a few of those “things” and then use a tie down to see how that landed…

What NOT to say when closing a sale:

1) “Can you transfer me to (the decision maker)?” Most presentations end with the stall: “Well, I need to run this by my boss/partner/manager/corporate, etc.” Unfortunately, this usually comes as a surprise to many sales reps who failed to qualify for this upfront. Some sales reps then think they can just bulldoze through the stall by demanding to talk to the decision maker right then and there.

While I applaud you for your tenacity, asking to blatantly go above the person’s head you’re speaking to or have just pitched, immediately alienates them. Often times this person is some kind of sales influencer and alienating them is NOT what you want to do.

Instead you should use different techniques, one of which being: “So, John, when you consult with your manager, is this something that you’re sold on and will recommend to them?” (If yes, then): “Great, how can I help you sell them on this?” (Only if they can’t think of anything): “Would it help if I spoke to them and went over this just like I did with you?”

That’s the way to get permission and to finally earn the right to speak to the decision maker.

2) “I don’t know about that – let me get back to you.” It’s O.K. that you don’t have an answer for something, but what’s important is that you convey that in a confident manner. Try any of the following:

“That’s a great question and we have several ways of handling that. Let me ask you a couple of questions regarding your particular situation, and then I’ll be able to get the best solution for you… OR

“That’s a good question for my technical support team. Let me see what they would propose and get back with you.” OR

“We have a whole department that deals with that, and I’ll check with them to give you the best solution.” Each of these responses helps you delay answering until you get the right answer, but they paint the picture of a bigger, more competent company structure which helps to give you credibility.

3) “When should I call you back?” Why would you want to put the crucial follow up of your sale in the hands of your customer? Asking this question means handing over control of the sale to the prospect which means you lose control. That’s bad. Here are better ways of keeping control and getting a commitment for a follow up call:

“How long will that take?” Then: “O.K. I’ve got my calendar open and that would put us to Tuesday of next week. Are you looking at your calendar? Great. How does 2:45pm look for you?” OR

“(Prospect Name) you’re probably as busy as I am, so let’s go ahead and schedule a follow up call to access progress. I can do this same time (tomorrow, Friday, next week), does that work for you?” OR

“It’s going to take me (a day, two days, a week, etc.) to get this started on my end, how about I give you a call around Friday at this time to see if there’s anything else you need? Does 2:15pm work for you again?”

The key here is to get a commitment. All top producers remain in control of the selling process and know when the next call in the sales cycle is – and so do their prospects!

So there you have six things to stay away from during your next sales call. As you use these techniques, you’ll find yourself developing better rapport, getting more information and staying in control of your selling situations. Heck, it’s starting to sound like you’re a top producer already!

Debt Consolidation or Debt Negotiation – Which To Choose?

No matter how wretched your financial situation is, no matter how inescapable you feel your debts are and no matter how deep of a debt puddle you’re currently standing in, there is a financial solution as well as a means to get your feet dry and back on solid ground. There are plenty of answers, various sure-fire ways for you to get out of your current financial mess and become a financial success. And of the most common ameliorative financial options to choose from, here are two prime choices – Debt Consolidation and Debt Negotiation.

Both solutions are quite similar in that they heal deep debt wounds and bring individuals back to a stabilized financial position, but both tailor to two different types of indebted individuals. Debt Consolidation plans assist those in need with sufficient means. On the other hand, Debt Negotiation assists those in dire need, in situations where money is too tight to apportion.

First, let’s take a look at the debt consolidation option, and secondly the Debt Negotiation vein, each outlining specifics as to allow you more information to better decide which is best.

The Debt Consolidation Option

Debt Consolidation is accommodating specifically to standard indebted individuals, one’s who need actual consolidating to better organize themselves financially and stabilize a plan to finally pay off accrued due debt. Debt consolidation is primarily best suited for individuals who are financially able to, in the least, provide the minimum payments required through a debt consolidation motion.

In practice and structure, Debt Consolidation is a process where an action combining or “consolidating” one’s debts -whether they be personal loans, home equity loans, mortgage debt, car loans, credit card debt, or other financial liabilities- into a single loan occurs. Simply enough, the individual in debt is in essence, and through assistance of a debt consolidation company, accumulating all of his or her debt together to deal with it in one sum. This is done by taking out a single loan to pay off all spread out debts collectively, as one large whole.

The aforementioned process is usually done with intent to achieve a lower monthly payment, one that can be extended over time simply to pay off debt through one primary vein and in one go, gradually over time. And if carried out properly, debt consolidation can and most certainly will lower one’s annual interest rate and/or monthly payments, hence providing more available funds to save month to month.

The Debt Negotiation Option

Sometimes referred to as Debt Settlement, Debt Negotiation is often a financial option for indebted individuals who cannot handle going through a standard debt consolidation motion. Reason here is simply due to lack of funds; if said individuals cannot provide funds for the minimum monthly payments usually attached to a well-structured debt consolidation repayment plan then a debt negotiation program is the most realistic next step to take toward solving outstanding debt and credit problems.

What happens here, and to a hassled indebted individual’s benefit, payments to creditors are halted, put on ice. The selected debt negotiation company pulls payments from you monthly, safeguarding those funds in a specific account, either the company’s or your designated personal one. Through this period of monthly pulling the debt negotiation company is working for you, negotiating with involved creditors for lower payoff amounts, usually up to 50 % off your bulky debt total. And upon successful negotiation, a one time payment is provided to applicable creditors from your debt negotiation company.

You might think that this has a negative effect on your credit score and you’d be correct. Your credit score is lowered, yet, this lower score is only applicable for the length you’re in the negotiation program. And even after the program is complete, creditors are required to place a ‘paid in full’ note as to avoid putting a permanent negative mark on your credit score. Overall, credit furbishing is provided through the aforementioned or through a provided credit repair service to remove all negative traces.

Which To Choose?

To choice is up to you. One thing must be kept in mind; choices should be made based on your financial capacity and overall ability. Know which financial program is best for you. If you’re in a standard debt situation and need some organizing to pay off all your debt, seek debt consolidation to do so. Yet, if you’re in a thick financial mess and have minimal, almost non-existent funds to allocate through a normal consolidation program, request a debt negotiation option to fix you up.