It won’t happen to me,……..right?

The world we live in today is riddled with ways to die…………With that being said, we have more technological advances in medicine now to survive these things.

Daily I deal with people and their future.  It’s amazing the things I hear from them though.
For some reason, all people think they are impervious to cancer or a heart attack won’t happen to them. 

Some will even say “if I die I die” or they will pray so it doesn't happen to them. 
Sadly enough, a lot of these people either have family members that have had major diseases or they themselves have the warning signs of them.

61% of people say they would rather die of a crippling disease than live with it because of the money…………..

1 in 2 men will develop cancer in their lifetime……….

1 in 3 women will develop cancer in their lifetime………..

Over 1,900 people a year die of heart related issues…………

These stats come from the American Cancer Society and CDC, not my logic.

With all of this evidence around, why are we in more denial than ever?

Quite simply, it’s the money.  People hope that nothing happens to them because they can’t afford it.  It therefore creates a culture of “I don’t want to jinx myself” or “if I don’t talk about it or think about it, it won’t happen to me.”  If only that were true.

This post is a cry for help.  Not for me, but for America.  It goes back to the old saying, prepare for the worst and hope for the best. 

People work too hard to get where they are and it’s a shame they can lose everything in an instant just because they weren't prepared for an event.

If saving money is extremely hard for your situation or your staff’s you really need to look at some new strategies to help deal with some of life’s inevitable tragedies.

 I don’t mean to be a downer, but it’s better to be a little uncomfortable thinking about this now than when something happens and you have no- way to deal with it…………..

Read More

Your Family or Your Staff???

Even if you’re of the best health you’ve probably had some kind of conversation or read something about healthcare reform this year.  If not, here’s some news for you!
Starting October 1st, 2013 the people of the United States will have the opportunity to  apply for medical benefits facilitated by the Affordable Care Act or ObamaCare as the media has coined it.
This is so significant to small business owners (which are the majority of businesses in the US) because a lot of them have been leaving their staff out when it comes to medical coverage. 
All too often I hear business owners say “I don’t offer my employees benefits, but I’m all taken care of.”  When did this divide happen?
It’s been gradual, but now according to the Kaiser Family Foundation about 56% of employees are covered by health plans offered by their employers.  At the same time though, most of these plans come with a deductible of $1,000 or more, but these same workers statistically have less than $1,000 in savings (about 51%) and 60% of people say they live paycheck to paycheck!₁
So what do we do for 44% with no coverage or the 40% living paycheck to paycheck?  That is what the ideal of ObamaCare is.  Yet, why do so many small business owners not care to educate their staff on what is going on?
69% of small business owners are either not prepared or don’t know that to do for the October 1st deadline set by the Department of Labor to simply educate their staff₂. 
So why is their family more important than their employee’s family?
Once their was a time when your employee was family.
Now I’m not asking every business owner to invite their employees over for brunch, but at least realize they are your most valuable asset.
Yes, you are the visionary, the drive, and the force, but they are the business. 
It’s like a great composer is nothing without an orchestra.  At least tell them where to get instruments……..
60% of employees look to their boss for information about benefits₃.  If you’re not going to offer any benefits then at least take this milestone as a chance to improve morale. 
If you just show an employee “hey, I can’t pay for your benefits, but I’m going to try to help you find the best thing for you and your family” it will speak volumes to them.  Heck, it may gain you an employee for life.
Do something different with this huge change.  Don’t follow the herd.  Mainly because the herd thinks that this whole thing only applies to companies with 50 employees or more.
WRONG!!!!!!
Read for yourself and be a real leader to your staff.
1.http://www.creditdonkey.com/increase-savings-2013.html
2.http://ifawebnews.com/2013/03/28/small-businesses-confused-about-aca-will-need-help-moving-into-2014/
3.https://sell.aflac.com/Training%20and%20Resources/Business%20Insights/HCR%20Page.aspx

Read More

3 Things The Zimmerman Trial Taught Me

This is a very controversial and emotional topic right now for many, but I need to weigh in the importance of some of the things I personally learned from this trial.

The stage was already set for a firestorm when a case of a young black teen is slain by a half Caucasian adult and the state wants to sweep it under the rug.

Interestingly, when the stage is set for trial finally, you can see some masterful marketing and psychology at hand.

1. Know Your Audience
• 85% of court cases are won at jury selection according to Herald Price Fahringer in 1993.  Why is that?  This is simply due to the fact that either side of the court room can use demographics, education, gender, income, etc to pick a panel that can best understand “their side.”  Marketing needs to do the same process.  If you know who can best benefit from your products or services than you can present their needs in the best light.  This is where you start seeing what people say on your social media channels or even what your competitor’s customers are saying.  If you don’t know who needs what you have then you’re pretty much doomed…….
2. Fear Of Loss Is Greater Than Desire To Gain
• The jury had the task of basically deciding if Zimmerman sought out to kill Martin.  Not if he did it because that is evident, but if he planned or chose to do it maliciously.  With that task they can gain the joy of Martin’s family getting justice or have the Zimmerman family lose their son and the jury having to hold onto that loss of freedom.  Not to say one choice is better than the other, but the defense did an excellent job of instilling that point.  Approach your customers this way.  Nobody likes making a decision to go forward with a financial decision and then losing money on it.  MAKE SURE THEY WON’T LOSE ANYTHING!!  If they are, then tell them.  You may not earn any business then, but you will gain their respect and possible future business. 
3. Use Emotions To Your Advantage (Ethically)
• One interesting thing to note from Anderson Cooper’s interview with juror B37 is the fact how she kept referring to the defendant as George.  Not Mr. Zimmerman or Zimmerman as most of us know him.  The women felt sorry for Zimmerman or felt horrible about what they had to do.  Think about how your prospective clients feel about you or your product.  You have to know why or how they will feel good about a decision to accept what you offer.  Communicate with them with that in mind at all times.  Use it to help them come to a conclusion that will make them happy.  That’s how we gauge decisions.  We want to feel good about decisions.  If you have to bring up how sad someone will be when they don’t work with you (ie not having life insurance when your spouse dies……) then that is ok just as long as you turn it into a positive and you first and foremost know you will benefit them with your offering. 

This tragedy will go down in American history for many reasons.  I just choose to look at things from various angles.  Ultimately what I witnessed was great application of psychology from the jury selection phase to the verdict.  That is my way of taking something positive from such a long and drawn tragedy. 

Read More