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Choosing Fixed- or Variable-Rate Business Financing

Choosing Fixed- or Variable-Rate Business Financing

Traditionally, commercial borrowers have had limited options in the type of financing available to meet their business needs. Whether the purpose was for business growth or simply boosting working capital, many lenders have not tailored their financial products to borrower’s requirements. For borrowers, that usually meant variable rates that were based off of benchmark indices such as the prime rate. Unfortunately, the inherent volatility of those indices often made it difficult to ensure cash flows are sufficient to repay your obligations.
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Apps for Franchise Management

Apps for Franchise Management

Running a franchise business is more time-consuming than non-owners realize, and one of the biggest reasons is the amount of time involved in hiring and managing employees. Fortunately, a wide variety of apps and software can help you simplify or automate many of the...

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Women Strengthen the RIA Industry

Women Strengthen the RIA Industry

Unfortunately, more often than not, buyers rush headlong into a purchase decision and either sabotage an opportunity to buy a great book of business, purchase the wrong book of business, or poorly manage the transition and lose clients in the process.
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Of Interest Rates and Inversions

Of Interest Rates and Inversions

The media frequently broadcasts unsettling stories about interest rates or about poorly understood economic concepts like the inverted yield curve. Most of those stories gloss over the issues, with a series of talking heads predicting great calamities, until the next heavily hyped topic distracts everyone’s attention.
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The Importance of Self-Reflection Part 2

The Importance of Self-Reflection Part 2

In part one of our two part series of self-reflection, we discussed that self-reflection is an important exercise for your employees. In Part 2, we discuss how to do self-reflection. The importance of personal goals In simple terms, self-reflection will help employees...

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Dealing with Panicked Clients

Dealing with Panicked Clients

Such words are uttered by Kevin Bacon during the climax of the movie Animal House (1978), as his character – the antagonistic Chip Diller – helplessly attempts to address a fleeing mob of shrieking parade-goers.  The context of the scene notwithstanding, this is often how it can feel when having to deal with panicking clients; as if your words are but one addition to an entire mountain of noise, quickly drowned out and just as quickly forgotten.
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Appealing to Millennials Part 2

Appealing to Millennials Part 2

In this, the second part of our two-part blog series on how businesses can connect with potential millennial clients, I will be covering those areas in which a professional online presence can benefit the bringing-in of said clients.  In the previous part, I discussed the benefits of a personal and social online presence. 
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Appealing to Millennials Part 1

Appealing to Millennials Part 1

As an older-looking member of generation Z, people often ask me what it is that they can do to attract potential clients from the millennial age group.
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The Importance of Self-Reflection Part 1

The Importance of Self-Reflection Part 1

Do your employees enjoy their work? Are they genuinely happy when they walk into one of your locations? Is their life turning out to be what they envisioned? Does each day help them grow into the person they want to be?
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Consolidating business debt can improve focus and growth

Consolidating business debt can improve focus and growth

Consolidating business debt can improve focus and growth People talk about having the right idea as the key to a successful business, but sustaining a company such as an insurance agency really takes two things: an owner who’s willing put in a lot of effort and enough...

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The digital landscape is changing the customer journey.

The digital landscape is changing the customer journey.

The digital landscape is changing the customer journey. Most insurance professionals have noticed a shift in how customers seek information and make buying decisions.  How you market your business in this new, electronic and fast-paced world can determine whether your...

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Fear of Change: Embracing New Ways for a Successful Future

Fear of Change: Embracing New Ways for a Successful Future

Fear of Change: Embracing New Ways for a Successful Future As a business owner or decision maker, have you been stuck in the status quo? Have you been working in your business the same way you have for years? The market is changing, and so are your customers. The time...

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Competition: The Race Toward the Future

Competition: The Race Toward the Future

Competition: The Race Toward the Future In the changing insurance marketplace, agencies aren’t simply competing against other agencies in the same city or town, or with the same product or service offering. Agency owners today must have the right business practices in...

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Refresh Your Network

Refresh Your Network

Refresh Your Network Some people will tell you we’re more connected than we’ve ever been before, thanks to technology such as cellphones and social media. It’s a safe bet that you’re connected to many clients through Facebook®, LinkedIn®, Instagram®, and other...

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Is delivery a necessary survival strategy for franchisees?

Is delivery a necessary survival strategy for franchisees?

Is delivery a necessary survival strategy for franchisees? The never-ending tension between restaurant brands and the franchisees who serve the brands’ customers has gained another sore point in recent months as chains enthusiastically embrace third-party delivery...

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Labor dilemma not likely to improve anytime soon

Labor dilemma not likely to improve anytime soon

Labor dilemma not likely to improve anytime soon We always strive to share positive information to build optimism among the franchise owners who read our blog. Even when we touch upon challenging subjects, we prefer to offer practical advice for making the most of the...

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Transforming into a data-driven business

Transforming into a data-driven business

Businesses that are striving to be innovative often embrace popular terminology. One concept that’s been receiving a great deal of attention is “data-driven,” as in a business that roots its operations and decision-making in solid data rather than subjectivity. There...

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Managing the cost of disruption

Managing the cost of disruption

From breakthrough technology solutions, to a tighter labor market, to all sorts of surprising competition, our industry is experiencing a period of unprecedented change. Many of these changes have such a dramatic impact on familiar business practices and environments...

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