http://www.financealley.com en-us editorial@financealley.com By: Bill Willard An estate is the total value of everything we own--and business and personal assets can add up quickly. Everyone has an estate. And realize it or not, everyone also has an estate plan. An estate plan can be designed by clients... http://www.financealley.com/article_4449_33.html 10th August 2005 By: Bill Willard Annuities are long-term investment tools for supplementing retirement income. There are no IRS-imposed annual contribution limits, and annuity earnings grow tax-deferred until the funds are withdrawn or paid out as income. Though... http://www.financealley.com/article_4448_19.html 10th August 2005 By: Bill Willard Leadership, like class, is hard to define, but easy to spot. Someone once defined management as "the effective coordination of the efforts of the individuals in a group to accomplish that stated objectives of the organizati... http://www.financealley.com/article_4446_15.html 10th August 2005 By: Bill Willard This widely circulated after-action report prepared by a 1stSgt Paul Berry, USMC following Operation Iraqi Freedom in 2003 offers priceless leadership advice for business owners and managers. While much of this may seem obscure or... http://www.financealley.com/article_4439_15.html 10th August 2005 By: Bill Willard In "Leadership Lessons Learned the Hard Way, Part I," Marine First Sergeant Paul Berry's after-action report on Operation Iraqi Freedom offered priceless advice for business owners and managers. In Part II, 1stSgt Berry reveals the ... http://www.financealley.com/article_4438_15.html 10th August 2005 By: Bill Willard In many organizations, sales managers and experienced producers have training responsibilities for which they are ill-prepared and, in some cases, barely qualified. If that's you, the following may just be a lifesaver. "Traini... http://www.financealley.com/article_4437_15.html 10th August 2005 By: Bill Willard "I learn by going where I have to go." – Roethke Sales managers and experienced producers often have training responsibilities that require them to manage this process, helping people do their best by: • Assessing individual ... http://www.financealley.com/article_4436_15.html 10th August 2005 By: Bill Willard Insurance fraud costs consumers—businesses included--an additional $1,500 per year in increased premiums. In fact, it can inflate premiums by as much as 30 percent -- National Insurance Crime Bureau Small-business owners often... http://www.financealley.com/article_4434_19.html 10th August 2005 By: Bill Willard Estimates that 20 percent of customers account for 80 percent of total revenues in some businesses is a wake-up call! Finding new business a climate like that is expensive, and often unrewarding. As Barry Stamos points out in "'Be... http://www.financealley.com/article_4433_15.html 10th August 2005 By: Bill Willard You can have first-rate products and services, but if you can't establish the need, communicate the benefits and differentiate yourself from the competition in ways that make people want to do business with you, you'll forever be ... http://www.financealley.com/article_4431_15.html 10th August 2005