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Archive for the ‘Sales Training’ Category

Two St. Pete companies in Tampa Bay Waves TechWomen Rising cohort – St Pete Catalyst

Posted: September 12, 2020 at 3:53 am

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Goldn: The Family App. Goldn is a family care management application that makes it easy for unpaid care takers to pay bills, set reminders and locate wanderers. The CEO of the Tampa-based company is Nia Jackson.

IVF Options provides fertility benefits to self-pay patients, negotiating discounted rates on fertility treatment, medication and genetic testing. Lexie Magyar is CEO of the Tampa company.

Kinstak provides private cloud storage that automatically organizes photos, videos, and files into personalized categories. The company is based in Tampa and Carolyn Eagen is CEO.

MARVLoUS. Multimedia Augmented Reality Vocabulary Learning (MARVL) is an augmented reality (AR) application that teaches vocabulary in two languages simultaneously. Sara Smith is CEO of theTampa company.

Tepey is a web-based matching and project management software solution that eliminates the guesswork of how to build a physical product, and where to find contractors and manufacturers at an affordable price. The CEO is Donteacia Seymore and the company is based in Tampa.

The Natural Nipple is designed for seamless and stress-free breast and bottle feeding. The Tampa company is led by CEO Lauren Wright.

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Two St. Pete companies in Tampa Bay Waves TechWomen Rising cohort - St Pete Catalyst

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September 12th, 2020 at 3:53 am

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We ask the State of Retail panel: How has the pandemic affected your business expenses? – Bicycle Retailer

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A version of this feature ran in the September issue of BRAIN.

BOULDER, Colo. (BRAIN) For our September magazine edition, we asked our State of Retail panel members: "How has the pandemic affected your business expenses?"

The cost of physical modifications to the store has been minimal for us. We are a small shop, and weve always worked out front of the shop. I already owned sign holders and crowd control stanchions, and we made signage in-house, so there was no added cost for that. We are spending more approximately $100 a month for cleaning supplies and masks, plus extra labor costs for the extra time cleaning. Spending has increased along with profitability, and I have more staff, so payroll went up. We are very busy, and I need more resources.

As far as my stores digital presence, I am so fortunate to have hired a website and social media manager when I did about a year ago. Luckily, I already had an e-commerce website set up through SmartEtailing with accurate inventory to back up the in-store feature. We had just added a chat feature in fall of 2019. So, no I have not added too much, but the site costs about $700 a month in fees, plus additional wages to maintain it internally.

Complying with local, state, and federal guidance regarding sanitation and social distancing has not been a burden from a monetary standpoint. Supplies such as bleach, isopropyl alcohol, hand sanitizer, and PPE are all inexpensive items that are worth every penny in an effort to stop or slow the spread of the virus.

A bigger financial issue is the potential loss of in-store revenue as more and more people turn to online purchasing to reduce social contact and to search for hard-to-find items. We took the opportunity this spring to activate on-line sales. Although there is a sizable monthly expense to administer our e-commerce platform, so far we have found sales to be promising.

On the flip side, coronavirus has decreased expenses relating to travel, training, and events. With most races and events being cancelled or postponed, the associated costs for hosting, sponsoring, or attendance has been reduced or eliminated for the season.

Overall, we havent seen a big increase in expenses as a result of the pandemic. We added texting functionality to our main phone line, which has made a tremendous difference in facilitating communication with customers, since we are unable to answer the phone or respond to voicemails during this busy time. The customers really appreciate having this method of contact. It costs us about $60 per month.

We're lucky to have a good-sized footprint inside the store. We've been able to cordon off sections of the store with inexpensive cords and tables. We were early adopters of plexiglass barriers at registers, having copied our local grocery store during the early days of the pandemic. We've spent less than $200 on these modifications.

Weve spent about $300-500 per location for some new signage, and we have had an increase in cleaning supplies, for sure. We used to spend $100-150 per month, but with COVID-19, we have doubled that, and part of it seems to be an increase in the retail price of supplies. Weve increased the number of employees due to the increased volume of work, and weve had a few bonus payouts to acknowledge all the hard work. One place we have not increased spending is with our website or social media. In fact, weve gone the other way because in the early part of the pandemic, we felt guilty posting while our business was booming and others were suffering. Over the last few weeks, we have started using social media to let customers know what bikes have come in because it gives us a break on the phone.

We have been working under a closed-door policy, allowing up to four people in the shop at a time, and weve had to hire one full-time person to handle the system weve implemented. We have also spent significantly more on labor than ever before, with overtime at an all-time high. We are working six days a week, 12-14 hours a day. We have delegated payroll, sales tax, and reporting requirements to a CPA because I have to spend more time on the sales floor now. I've actually enjoyed lessening my stress levels by handing this part of my job over to someone else.

We have purchased custom cloth masks for every employee and disposable masks just in case we forget the custom ones. With all of the restaurants and businesses being closed, we have also chosen to buy food for lunches and keep it available in the shop. It's much easier to stop and make a sandwich than to drive around the city looking for food. It's been greatly appreciated by all. I estimate were spending an incremental $3,000-$4,000 a month on all of these increased expenses.

I am a one-person shop, and it is easy to maintain social distancing, so I havent had any increased costs related to making physical modifications, nor in terms of added labor or materials. My cost of goods has gone up, as we are seeing an increased sales volume. As far as increased expenses related to our online presence, we have spent the time to make sure our shop inventory matches our online inventory, as we are receiving many more online orders for sidewalk pickup.

Our costs have increased as a result of COVID-19. We've probably spent $10,000 per location on safety equipment. We have made big investments in the neighborhood of a $200,000 annual commitment into our website and online order fulfillment, and we have added new dedicated online team members, an online chat, and a person to handle our digital marketing. Additionally, we are spending about $1,000 per month per location for cleaning supplies, and our shipping expenses are way up. The online market seems to expect free shipping for most orders, so we are eating the shipping costs to stay competitive.

The biggest change we made due to COVID was sending our office staff home to work remotely. We are helping cover the cost of the internet utilities and other expenditures for our employees working from home with an expense reimbursement of $40 per month. The other increased expenses have been in the form of providing masks, hand sanitizer, and labor to create additional break areas to maintain social distancing. We estimate we spent about $1,000 for sanitizing equipment and PPE for our distribution center and physical store location. We have also hired more staff and increased our staff compensation to make up for the sudden high volume of sales. Most of our cost is in labor, as we do most of this work in-house. Labor is a larger expense in general, as everything seems to just take more work whether that is scheduling an electrician, aiding a customer with a delayed order, or trying to buy inventory.

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We ask the State of Retail panel: How has the pandemic affected your business expenses? - Bicycle Retailer

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September 12th, 2020 at 3:52 am

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Appraisal, Valuation, Sales Tools; Training; 50 bp Refi hit and Other Agency Updates – Mortgage News Daily

Posted: August 14, 2020 at 5:50 am

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Appraisal, Valuation, Sales Tools; Training; 50 bp Refi hit and Other Agency Updates

Follow the money! The talking heads are analyzing the fact that President Donald Trump donated $6,000 to Kamala Harris' 2014 campaign for reelection as California attorney general, and that she in turn donated the money to a non-profit that advocates for civil and human rights for Central Americans. And we have nearly three months to go! Stuff like that is a lot more fun to talk about than the 50-basis point price change that Fannie and Freddie instituted due to higher risk and costs on refis. Not on purchases, mind you. This from Freddie, who earned $1.8 billion last quarter, and Fannie, who earned $2.5 billion. Is this how the GSEs help struggling homeowners? The MBA weighed in. Some attribute the changes to Director Calabrias desire to recapitalize the GSEs, desire to capture some of the great margins being enjoyed by originators, to balance out some of the cash window pricing gains seen in recent weeks, or the continued shift in discouraging certain types of products, theres nothing like a price change to increase or decrease the flow of business. In other money news, digital lending platform Blend announced it raised $75 million in funding in a Series F round led by Canapi Ventures, bringing the companys valuation to nearly $1.7 billion. Anyone want to buy a simple, humble daily commentary with a joke at the end put out by an old capital markets guy?

Broker and Lender Products

AFR Wholesale is continuously working to improve your experience as a broker partner. In addition to automatic notifications when a home you closed with AFR is listed for sale, or when a payoff request is received, AFR is launching a value-added Account Review service. Also coming soon, AFR partners will receive automated notices when a borrower appears likely to refinance or purchase a home. Beyond all these complimentary services, AFR regularly reviews their pricing, so be sure to check AFR rates sheets daily! Fully invested in the success of their business partners, AFR Wholesale provides an extensive portfolio of products and value-added services, industry-leading technology, professional expertise, and continuous educational opportunities. For more information about becoming a partner, go to, email or call 1-800-375-6071.

Luxury Mortgage Corp. (Luxury) has announced significant enhancements to its Simple Access Non-QM Investor Cash Flow (DSCR) product offering. Notable highlights include a 100-bps price improvement for loans with a three-year prepayment penalty, DSCRs as low as 1.00, and the ability to qualify using I/O payment on a purchase or R/T refinance. Luxury's Investor Cash Flow product also allows for cash out loan amounts up to $3,000,000, and a minimum FICO score of 660. Additionally, for any submissions before Labor Day, Luxury is offering a guarantee to beat ANY competitor's Non-QM Investor Cash Flow price in the market!!! This amazing guarantee is limited to new DSCR submissions and subject to loans meeting program guidelines. Click Here to inquire about becoming an approved wholesale broker or correspondent seller.

Sales Boomerang notifies mortgage lenders when someone in their database is ready for a loan. Look at the opportunity cost you have by not having Sales Boomerang. Last year we closed over $72M in loans that we would have lost from not having Sale Boomerang. (Stephen Barton, Eustis Mortgage) In the first 4 months we took in $180M in applications and we have about 100 LOs. That is a significant impact to our business. My top performing LO attributes 25 percent of her business to Sales Boomerang alerts. (Katherine Campbell, Assurance Financial) Sales Boomerang gives us a conversion that is 2 times better than our normal conversions. (Tim Lewis, Castle and Cooke) The numbers speak for themselves: 20x Avg. ROI, $240 Avg Cost Per Acquired Loan, 10-20 percent Avg Lift to Loan Volume. Want to see exactly how much you lost this year? Request your report today. We will show you which competitor took your deal, what was the loan amount, what type of loan it was, the term and much more.

Valuations are now more efficient than ever, with the launch of Market Valuation Services latest software, Fully Loaded Asset Report Evaluator (FLARE). FLARE helps financial institutions expedite valuation services with improved accuracy, increasing their bottom line. Using a library of data and sophisticated algorithms, the software produces results in less time than a traditional bank valuation. FLARE also addresses other common issues, including cost-effectiveness, reliability and biased results caused by human-based judgment. The software meets Interagency Appraisal Guidelines (IAG) standards and is available across all 50 states. FLAREs arrival is an exciting step, said M. Ryan Moore, CSO of Market Valuation Services. Even one bias discrepancy can affect residential real estate transactions in big ways, Moore said. Were proud to offer a solution that streamlines the process and helps all parties feel confident in the resulting valuation. For more information, or to view a sample report, visit

Finallya truly improved valuation experience. Connexions intuitive appraisal management platform includes data science, product integrations (including Encompass) and best-in-class security to ensure the process is efficient, compliant, and leveraging the latest technologies. Its customizable, matching workflows to reflect your preferred process for managing appraisals. Connexions platform consolidates and protects data, automates record-keeping and improves monitoring of transactions which increases accuracy. And follow-up filters are available at every step to keep things moving forward. You can create an unlimited number of custom or standard reports that analyze trends, property types, markets, etc. Its configurable at the location level and even lets you auto-disable vendors on exclusionary lists. And Connexions onboarding and ongoing customer support is outstanding. A free mobile app is available too! With 20+ years experience, Connexions delivers best-in-class technology solutions and works with 150+ national AMCs and 13,000+ independent appraisers. To learn more about Connexions AMC software, book a demo today!

Events and Training

Find digital agility in a changing world. During Forward, Blends virtual summit taking place September 22-23, executives and project teams will explore the regulatory changes and rising consumer expectations shaping the future of lending. Learn about Blends latest innovations and leave with a strategy to keep you ahead of the competition. Register now.

In light of last night's 50 BPS agency LLPA's affecting most refinances, MCT encourages clients to attend this morning's MCT University client-exclusive webinar. During the webinar to be held at 11AM PT, Current Market Update & Best Practices for Volatility in the Future presented by Phil Rasori, further guidance on best execution model updates and loan sale strategies will be shared. Reach out to your MCT representative for access or direction specific to your business and pipeline. Join the MCT newsletter for the latest industry market volatility guidance.

Agency Changes

In light of market and economic uncertainty resulting in higher risks and costs incurred by Fannie Mae, we are implementing a new loan-level price adjustment (LLPA). The fee applies to limited cash-out refinances and cash-out refinances, as described in Lender Letter LL-2020-12. The key date isnt until September 1, but lenders are already pricing rate sheets accordingly.

Fannie Maes recent Selling Guide update, SEL 2020-04, clarifies solar panel policies based on different financing structures, revises the representations and warranties framework for loans in forbearance to align the Guide with LL-2020-06 (Selling Loans in Forbearance Due toCOVID-19) and removes references to Master Agreements.

Fannie Mae updated LL-2020-06 to reflect the extension of eligible note dates and delivery dates regarding selling loans in forbearance.

Fannie Mae issued policy changes to Servicer Principal and Interest Advance Requirements, reflected in LL-2020-08. The customer transition guide provides servicers with information on the key milestones regarding these upcoming changes. Information on activities that will occur in the month of transition and the month following transition are included. Additionally, Fannie Mae created a guide detailing the process requirements.

As a reminder, Fannie Mae is accepting SOFR Adjustable-Rate Mortgages (ARMs) and issuing SOFR-based MBS. All Fannie Mae Single-Family applications have been updated to include the new SOFR ARM products, review LL 2020-01 for more information.

Freddie Mac also sent out SOFR transition news.

Wells Fargo Funding is aligning its effective date to the temporary COVID-19-related requirements and flexibilities and date extension announced by the Agencies. This includes the announced expansion to their temporary requirements for self-employed borrowers, allowing Sellers to confirm that the borrowers business is open and operating within 20 business days of the Note date. Wells Fargo Funding did not publish the overlays in its Selling Guide; Sellers must follow Fannie Mae and Freddie Mac requirements.

Lakeview Correspondent Announcement C2020-06 covers TSAHC MCC income reminder plus Fannie Mae and Freddie Mac updates.

Capital Markets

Loan originators are good at looking at things over time. Labor data has been the recent focus of markets over the last week but the upbeat numbers are expected to diminish later this summer as the lingering effects of social distancing and spring shutdowns continue to impact businesses. Nonfarm payrolls increased by 1.8 million in July on the heels of June's 4.8 million increase but remain 12.9 million below February's peak and the unemployment rate remains high at 10.2 percent. Initial claims for unemployment insurance fell by nearly 250,000 for the week ending August 1 after increasing the previous two weeks. Data from the Institute of Supply Management (ISM) showed both the service and manufacturing sectors of the economy in expansion territory with many respondents cautiously optimistic about their outlook. Construction spending slipped in June, but was little changed over the previous twelve months. Spending on single family residential construction fell 3.6 percent, but is expected to rebound given recent sales data from home builders. Mortgage rates remain low although applications fell for the week ending July 31 as the 30-year fixed rate dipped to 3.14 percent, according to the Mortgage Bankers Association.

Looking at news yesterday, U.S. consumer prices rose in July by more than expected largely due to a jump in auto and apparel costs, which follows hotter-than-expected producer prices. Though that buoyed Treasury yields and MBS, stimulus is still in limbo. Democrats say there will be no restart talks until the White House moves from demands for a smaller package. Meanwhile, about 16 million Americans are unemployed, with 28 million receiving benefits. There is a big disconnect: the S&P 500 yesterday briefly surpassed the all-time closing high reached in February before the pandemic? That also capped a more than 50 percent rally since market lows in March, though most of the gain came from technology shares. Finally, the day's $38 billion 10-year note auction was met with solid demand despite its record size.

Those CPI figures reported yesterday are important because the consumer shapes the economic outlook more than any other factor. In a typical recession, services spending remains relatively steady, while big ticket purchases on durable goods typically are put off until things improve. It has actually been the opposite in this cycle since stay-at-home orders have emptied out restaurants and other services. Durable goods outlays are nearly ten percent above pre-pandemic levels. Despite the resurgence of the coronavirus, spending is on track to post a record increase in the third quarter.

Todays economic calendar kicked off with July import & export prices (+.7 percent and +.8 percent, respectively) and initial jobless claims for the week ending August 8 (963k, better than expected, -228k). There are two Fed speakers scheduled starting with Atlantas Bostic ahead of Governor Brainard. The final leg of this weeks record refunding consisting of $26 billion 30-year bonds in the early afternoon. The NY Fed will conduct the last two operations on the current schedule when it purchases up to $4.2 billion MBS starting with $2.8 billion UMBS30 2 percent through 3 percent followed by $1.5 billion GNII 2.5 percent and 3 percent. The Desk will then report on MBS purchases for the week ending August 12, one hour before releasing a new two-week FedTrade schedule in addition the mid-August to mid-September MBS reinvestment estimate, which is expected to total over $111 billion based on paydowns in the Fed portfolio plus the additional $40 billion monthly increase in MBS SOMA holdings. We begin today with Agency MBS prices better/up .125 and the 10-year yielding .68 (after closing yesterday at 0.67 percent) after the positive initial jobless claims numbers.

Jobs and Promotions

Caliber Home Loansis recruiting top candidates in the mortgage industry for our Caliber Operations teams across all channels.We are offering enhanced sign-on bonuses and incentive plans for Underwriters, Processors and Closer/Funders. In the past four months, we have hired over 400 new team members in Operations and over 1,000 across Caliber. We are experiencing unbelievable growth and are ready to fill nearly 500 additional Operations positions! If you have a passion for helping customers achieve their dream of home ownership, we want to talk to you! Interested in one of our posted job opportunities? Please contact Jonathan Stanley for consideration. Interested in a sales opportunity at Caliber? Please contact Brian Miller for immediate consideration. Visit theCaliber Careerswebsite for opportunities across the organization!

Home Point Financialcontinues its impressive growth with the hiring of Perry Hilzendeger, a 30-year veteran of Wells Fargo,as its President of Servicing. Another big move by Home Point, which is already the second-largest wholesale lender and 13thlargest correspondent lender in America in just five years of doing business and only looks to be speeding up.Home Point is hiring over 800 positions this year, so if youre ready to work for a lender that truly values its Associates, look no further. Check out ourcareers pageor send your resume directly to John Eite now.

LendingHome, one of the nation's largest financial lenders to real estate investors, announced that Stephanie Casper is the company's new VP of Sales and will lead a team devoted to new business development. She is also a key member of the cross-functional leadership team responsible for developing new products to meet the evolving needs of real estate investors.

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Appraisal, Valuation, Sales Tools; Training; 50 bp Refi hit and Other Agency Updates - Mortgage News Daily

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Sales Training Market Size by Top Companies, Regions, Types and Application, End Users and Forecast to 2027 – Bulletin Line

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Kurlan & Associates Inc.

Competitive Landscape of the Sales Training Market:

The market for the Sales Training industry is extremely competitive, with several major players and small scale industries. Adoption of advanced technology and development in production are expected to play a vital role in the growth of the industry. The report also covers their mergers and acquisitions, collaborations, joint ventures, partnerships, product launches, and agreements undertaken in order to gain a substantial market size and a global position.

Sales Training Market, By Type

Blended Training Online Training Instructor-Led Training

Sales Training Market, By Application

Consumer Goods Automotive BFSI

Regional Analysis of Sales Training Market:

A brief overview of the regional landscape:

From a geographical perspective, the Sales Training Market is partitioned into

North America o U.S. o Canada o Mexico Europe o Germany o UK o France o Rest of Europe Asia Pacific o China o Japan o India o Rest of Asia Pacific Rest of the World

Key coverage of the report:

Other important inclusions in Sales Training Market:

About us:

Verified Market Research is a leading Global Research and Consulting firm servicing over 5000+ customers. Verified Market Research provides advanced analytical research solutions while offering information enriched research studies. We offer insight into strategic and growth analyses, Data necessary to achieve corporate goals, and critical revenue decisions.

Our 250 Analysts and SMEs offer a high level of expertise in data collection and governance use industrial techniques to collect and analyze data on more than 15,000 high impact and niche markets. Our analysts are trained to combine modern data collection techniques, superior research methodology, expertise, and years of collective experience to produce informative and accurate research.

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Sales Training Market Size by Top Companies, Regions, Types and Application, End Users and Forecast to 2027 - Bulletin Line

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Sales Training Market 2020 Competitive Dynamics Insights with COVID-19 Effects on Major Companies Aslan Training and Development, Corporate Visions,…

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The aim of the global Sales Training market report is to examine most recent market inclination that will reach in next 6 years. Prevailing business sector such as dominant market segments, market share, size of the Sales Training market and the leading makers that can develop the Sales Training market is likewise considered in this report. The report also focuses on the significant events of the Sales Training industry such as mergers & acquisitions, product acquittance along with the major key players involved in the Sales Training market. It additionally indicates, cautions, and challenges faced by the leading manufacturers of the Sales Training industry. Moreover the Sales Training research report provides the similar information for the key companies and key geographical regions. On the basis of all the segments actual market size and forecast have been presented in this report. In addition, the global Sales Training market report presents the key drivers and challenging factors which are important for the growth of the market during forecast period 2020-2027.

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The entire Sales Training report is divided into following categories:

Sales Training market segmentation based on top manufacturers:

Aslan Training and Development Corporate Visions Imparta Action Selling BTS The Brooks Group IMPAX Carew International Janek Performance Group Kurlan & Associates Revenue Storm DoubleDigit Sales RAIN Group Challenger Baker Communication Integrity Solutions

Sales Training market segmentation type-based:

Blended Training Online Training Instructor-Led Training

Sales Training market segmentation application-based:

Consumer Goods Automotive BFSI Others

Major Regions upbringing the market are:

United States, Canada, Germany, UK, France, Italy, Spain, Russia, Netherlands, Turkey, Switzerland, Sweden, Poland, Belgium, China, Japan, South Korea, Australia, India, Taiwan, Indonesia, Thailand, Philippines, Malaysia, Brazil, Mexico, Argentina, Columbia, Chile, Saudi Arabia, UAE, Egypt, Nigeria, South Africa and Rest of the World

Real preferences of the Global Sales Training Market report:

In-depth analysis and different strategies that will empower players to remain aspiring in the Sales Training market.

Episodic examination of certain parts of the Sales Training market in order to expand the development level in coming years.

An thorough examination of Sales Training key players that are responsible for growth of the market.

Major intuitions of the Sales Training industry:

The Sales Training report particularly underscores on productiveness, improved approach and manufacturing information along with network and accomplishments in Sales Training market. Utilization of the product results in various areas is the latest trend of the Sales Training market.

Ask our Expert if You Have a Query at:

Following are the some FAQs that may emerge into vendors mind whenever they explore the Sales Training industry.

* What are the Sales Training current market pattern?

* What difficulties the Sales Training key players face while developing their business?

* Who are the significant merchants in the Sales Training market?

* What are the Sales Training strengths and inclination of the key dealers?

This report is beneficial for all kind of industry participants and stakeholders in the Sales Training market. Government organization, regulatory associations and policymakers are taking initiatives to promote the global Sales Training market across the globe. Moreover report helps to determine the future Sales Training strategies by giving an in depth insights to different clients such as academic institutions, strategy managers, educators, researchers and analysts. Thus report will benefit every stakeholder involved in developing and allocating the Sales Training market.

At the completion of this Sales Training report, a competitive situation is being discussed to compile business growth, revenue, and profit of the Sales Training industry. Considerable developments and contraptions will compensate top players of the Sales Training industry to plan vital business approaches and strategies. The research findings and results mentioned at the end of Sales Training market report helps business people, and colleagues to bring about all the opportunities and take vital determinations in upcoming years.

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Product Based Sales Training Market 2020: Analysis By Top Manufactures ASLAN Training and Development, DoubleDigit Sales, GP Strategies, Miller Heiman…

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Product Based Sales Training Market 2024- Research report offers detailed analysis of the market size (revenue), market segment, major market sectors, and different geographic regions, forecast, key market players, and industry trends. Global Product Based Sales Training Industry report tracks the key market procedures including product launches, technological improvements, mergers and achievements, and the advanced business schemes determined by key market players. Along with strategically analyzing the significant markets, the report also concentrate on industry-specific drivers, restraints, opportunities and challenges in the Global Product Based Sales Training market.

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Product Based Sales Training Market Segment by Manufacturers includes:

Product Based Sales Training Market Segment by Regions includes: North America (USA, Canada and Mexico), Europe (Germany, France, UK, Russia and Italy), Asia-Pacific (China, Japan, Korea, India and Southeast Asia), South America, Middle East and Africa.

Product Type Segmentation, the Product Based Sales Training Market can be Split into:

Industry Segmentation, the Product Based Sales Training Market can be Split into:

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Use Psychology To Make Customers And Employees Safer – Forbes

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SOPA Images/LightRocket via Getty Images

In my last article, I described the negative impact mask requirements have had on customer and employee experience. Enforcing mask rules is a novel conflict zone for employees who never expected to be the mask police. And, even when employees manage to avoid conflict with customers, other patrons may try to force non-compliant customers to change their behavior.

The typical point of conflict is a customer who refuses to wear a mask, even if doing so is suggested by an employee and/or required by law. When some anti-mask customers can turn violent, many companies are justifiably reluctant to put employees at risk by denying service.

Why do some people resist wearing masks, even when health professionals almost unanimously say they are important for controlling virus transmission? Why do these individuals risk denial of service, shaming by others, and perhaps even legal consequences?

As with other aspects of consumer behavior, the reasons mask-avoiders offer justify the behavior, but do not cause it.

People buy emotionally, and they justify their decisions intellectually, is a quote from sales training legend David Sandler. Marketers have understood this for decades, long before the tools of neuromarketing, a.k.a. consumer neuroscience, were able to support it.

The same truism can be applied to those who refuse to wear masks. Some of the rational justifications include:

One can offer sound, science-based counter-arguments to these points, but this never works any better than fact-based persuasion works to change political beliefs. Confirmation bias causes people to accept and emphasize information they agree with and find fault with information that contradicts their beliefs.

Confirmation bias explains why an unknown person on YouTube wearing a white lab coat seems (to some people) to be more authoritative than hundreds of epidemiologists and other well-credentialed experts.

At best, presenting facts will help people who have decided to wear a mask justify their decision to themselves and others.

More than fifty years ago, psychologist Jack Brehm introduced his theory of reactance. His experiments showed that people react strongly when they feel their freedom is threatened or specific freedoms are taken away. People will strive to preserve or regain those freedoms.

While reactance may not drive the behavior of the mask-accepting majority, it clearly does so for those who strenuously reject masks. The memes they use give a clearer view of the emotions underpinning their behavior. Heres one example:

Image credit:

On social media, mask wearers are shown as compliant sheep, unwilling to protect their freedom. Those who refuse masks, meanwhile, are sometimes portrayed as heroic lions that never bow to authority. These, along with conspiracy theories about the government using the pandemic as a tool to make citizens compliant, all support the idea that reactance is at work. The sentiment is less about masks, and more about pushing back against the demands of those in authority.

Ive been perplexed by the behavior of some people I know. Normally, they wouldnt think of harming those around them. But, they resist wearing masks. These individuals would seem to embrace two conflicting concepts:

These individuals avoid cognitive dissonance with the arguments I mentioned earlier, like masks dont actually work.

This is why mask-shaming is unlikely to change their behavior. Mask-refusers arent necessarily bad people, and they certainly dont think of themselves that way. Simply increasing the pressure on them to mask up will cause even more reactance.

So what CAN businesses do to encourage safe behavior and reduce the chance of conflict for both customers and employees?

While it wont work in every case, one way to get recalcitrant customers to mask up is to reframe the debate.

An anti-mask sentiment Ive often seen is, Im not afraid of the virus. People who are afraid should stay home. A similar one is, Keep the at-risk people protected, the rest of us will be fine. Both arguments frame the problem in terms of the individuals willingness to accept risk.

When an individual has the attitude that, Im brave, and you arent, it places responsibility for safe behavior on others. This might be fine if masks protected the wearer, but in the current pandemic masks benefit other people much more than the wearer.

Reframing the question in prosocial terms, i.e., helping others, may increase compliance. A message like, Your mask protects the people who come to work to serve you, reframes the problem. It reminds the customer that employees dont have the option of staying home or avoiding all customer contact.

Including an image of an employee who is at risk or has vulnerable family members could further personalize the appeal. A picture of a young, healthy employee with a statement like, Angela is here to help you. Shes being careful because her grandmother lives with her creates an easily understood scenario to justify masking up.

While this pro-social framing may help in some cases, its unlikely to be entirely effective. Some customers will cling to their cognitive-bias driven beliefs, like masks dont work or the virus is no worse than the flu.

Thats bad news, but the worse news is that research shows reactance can trump helping others. One study concluded that, increased pressure to aid a person in need at times reduces the individual's willingness to help the person who is dependent upon him. [Emphasis added]

When a behavior is the social norm, most people will adopt it. Today, almost all of us buckle our seatbelts, put infants in car seats, and refrain from smoking in offices. We dont do that because we fear legal consequences, we do that because these behaviors are normal and expected. Those behavior changes were, like wearing masks, initially rejected by some people.

The more mask wearing people see, the more likely they are to conform. The reverse is true as well. If a person not inclined to wear a mask sees other unmasked people in the business, they will be less likely to comply. Even someone who would normally wear a mask might feel odd donning one if everyone else was unmasked.

Social proof is one of Robert Cialdinis seven principles of influence. His and others research shows that this is what others are doing was the most persuasive messaging in such diverse areas as saving energy and collecting taxes.

In Texas, Ive seen compliance rising since masks became a legal requirement in public settings. That compliance isnt due to fear of repercussions - as far as I know, nobody has actually been fined in our city. Rather, it has become a norm. People expect it, everyone else is doing it, and not wearing a mask would be odd.

I wouldnt recommend going as far as the Wisconsin DNR, though, which has told employees to wear masks on Zoom calls, even if they are home alone. The stated purpose is to model safe behavior. But, when people wear masks in situations where there is no chance of transmission, it makes them and the requirement look silly. Instructions like these trivialize an important issue.

There will always be outliers for whom non-conformance is a way of life, of course. Rejecting social norms is their way of life. Nevertheless, a combination of time and gentle messaging will keep almost all customers and employees safe and conflict-free.

Use Psychology To Make Customers And Employees Safer - Forbes

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COVID-19 Impact on Global and Regional Cognitive Assessment and Training Industry Production, Sales and Consumption Status and Prospects Professional…

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The global Cognitive Assessment and Training market focuses on encompassing major statistical evidence for the Cognitive Assessment and Training industry as it offers our readers a value addition on guiding them in encountering the obstacles surrounding the market. A comprehensive addition of several factors such as global distribution, manufacturers, market size, and market factors that affect the global contributions are reported in the study. In addition the Cognitive Assessment and Training study also shifts its attention with an in-depth competitive landscape, defined growth opportunities, market share coupled with product type and applications, key companies responsible for the production, and utilized strategies are also marked.

This intelligence and 2026 forecasts Cognitive Assessment and Training industry report further exhibits a pattern of analyzing previous data sources gathered from reliable sources and sets a precedented growth trajectory for the Cognitive Assessment and Training market. The report also focuses on a comprehensive market revenue streams along with growth patterns, analytics focused on market trends, and the overall volume of the market.

Moreover, the Cognitive Assessment and Training report describes the market division based on various parameters and attributes that are based on geographical distribution, product types, applications, etc. The market segmentation clarifies further regional distribution for the Cognitive Assessment and Training market, business trends, potential revenue sources, and upcoming market opportunities.

Download PDF Sample of Cognitive Assessment and Training Market report @

Major Players in Cognitive Assessment and Training market are:, Cognifit, Brain Resource, Cogstate, Pearson Assessment, CNS Vital Signs, Bracket Global, Posit Science, Cambridge Cognition, , Major Regions that plays a vital role in Cognitive Assessment and Training market are:, North America, Europe, China, Japan, Middle East & Africa, India, South America, Others

Most important types of Cognitive Assessment and Training products covered in this report are:, Pen and Paper Based Assessment, Hosted Assessment, Biometrics Assessment

Brief about Cognitive Assessment and Training Market Report with [emailprotected] Assessment and Training-market-4053

Most widely used downstream fields of Cognitive Assessment and Training market covered in this report are:, Clinical Trials, Classroom, Brain Training, Corporate, Academic, Others

The Cognitive Assessment and Training market study further highlights the segmentation of the Cognitive Assessment and Training industry on a global distribution. The report focuses on regions of North America, Europe, Asia, and the Rest of the World in terms of developing business trends, preferred market channels, investment feasibility, long term investments, and environmental analysis. The Cognitive Assessment and Training report also calls attention to investigate product capacity, product price, profit streams, supply to demand ratio, production and market growth rate, and a projected growth forecast.

In addition, the Cognitive Assessment and Training market study also covers several factors such as market status, key market trends, growth forecast, and growth opportunities. Furthermore, we analyze the challenges faced by the Cognitive Assessment and Training market in terms of global and regional basis. The study also encompasses a number of opportunities and emerging trends which are considered by considering their impact on the global scale in acquiring a majority of the market share.

The study encompasses a variety of analytical resources such as SWOT analysis and Porters Five Forces analysis coupled with primary and secondary research methodologies. It covers all the bases surrounding the Cognitive Assessment and Training industry as it explores the competitive nature of the market complete with a regional analysis.

Some Point of Table of Content:

Chapter One: Cognitive Assessment and Training Introduction and Market Overview

Chapter Two: Industry Chain Analysis

Chapter Three: Global Cognitive Assessment and Training Market, by Type

Chapter Four: Cognitive Assessment and Training Market, by Application

Chapter Five: Global Cognitive Assessment and Training Production, Value ($) by Region (2014-2019)

Chapter Six: Global Cognitive Assessment and Training Production, Consumption, Export, Import by Regions (2014-2019)

Chapter Seven: Global Cognitive Assessment and Training Market Status and SWOT Analysis by Regions

Chapter Eight: Competitive Landscape

Chapter Nine: Global Cognitive Assessment and Training Market Analysis and Forecast by Type and Application

Chapter Ten: Cognitive Assessment and Training Market Analysis and Forecast by Region

Chapter Eleven: New Project Feasibility Analysis

Chapter Twelve: Research Finding and Conclusion

Chapter Thirteen: Appendix continued

List of tables List of Tables and Figures

Figure Product Picture of Cognitive Assessment and Training

Table Product Specification of Cognitive Assessment and Training

Figure Market Concentration Ratio and Market Maturity Analysis of Cognitive Assessment and Training

Figure Global Cognitive Assessment and Training Value ($) and Growth Rate from 2014-2024

Table Different Types of Cognitive Assessment and Training

Figure Global Cognitive Assessment and Training Value ($) Segment by Type from 2014-2019

Figure Pen and Paper Based Assessment Picture

Figure Hosted Assessment Picture

Figure Biometrics Assessment Picture

Table Different Applications of Cognitive Assessment and Training

Figure Global Cognitive Assessment and Training Value ($) Segment by Applications from 2014-2019

Figure Clinical Trials Picture

Figure Classroom Picture

Figure Brain Training Picture

Figure Corporate Picture

Figure Academic Picture

Figure Others Picture

Table Research Regions of Cognitive Assessment and Training

Figure North America Cognitive Assessment and Training Production Value ($) and Growth Rate (2014-2019)

Figure Europe Cognitive Assessment and Training Production Value ($) and Growth Rate (2014-2019)

Table China Cognitive Assessment and Training Production Value ($) and Growth Rate (2014-2019)

Table Japan Cognitive Assessment and Training Production Value ($) and Growth Rate (2014-2019) continued

About HongChun Research: HongChun Research main aim is to assist our clients in order to give a detailed perspective on the current market trends and build long-lasting connections with our clientele. Our studies are designed to provide solid quantitative facts combined with strategic industrial insights that are acquired from proprietary sources and an in-house model.

Contact Details: Jennifer Gray Manager Global Sales + 852 8170 0792 [emailprotected]

NOTE: Our report does take into account the impact of coronavirus pandemic and dedicates qualitative as well as quantitative sections of information within the report that emphasizes the impact of COVID-19.

As this pandemic is ongoing and leading to dynamic shifts in stocks and businesses worldwide, we take into account the current condition and forecast the market data taking into consideration the micro and macroeconomic factors that will be affected by the pandemic.

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COVID-19 Impact on Global and Regional Cognitive Assessment and Training Industry Production, Sales and Consumption Status and Prospects Professional...

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Sales tip: Don’t believe for one moment your salespeople are even close to being the best they can become – Utah Pulse

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As business owners we have been gradually lulled into believing the performance of our salespeople is satisfactory. After all, if our salespeople could do better, they would. Wouldnt they?

Salespeople come and go, some stay longer than others, and some are better than others. We tend to judge current and future performance based on past results. Bottom line, Ive never met a business owner who truly understood the sales potential of his products or services. In good years, salespeople are busy taking orders and in bad years they are complaining that no one can sell in the current market. In reality, the salespeople were doing nothing to influence the level of sales of the product in either the best sales year or the worst sales year. In both cases they were just taking orders.

There is a formula for sales growth and increased profitability. Unfortunately, business profits are held captive by mediocre salespeople and by management that naively believes the excuses offered by their sales department. You cant really blame either side. The salespeople dont know that they can sell more and management has never seen evidence that performance could be better. Management has been conditioned by the sales performance they see day in and day out and believe they are getting all there is to get. Ive never met a salesperson who couldnt double their sales within twelve months. Ive known some salespeople who doubled their sales every year for several years in a row. Here is the three-step formula for sales growth and increased profitability.

Step #1: Desire: No person will ever change their level of performance unless they have a compelling desire to do so. Theyve gotta wanna do it. There must be some external situation that causes them to take an internal evaluation of their situation, which in turn causes a desire for change. We often refer to this as internal motivation. We want something different than our current situation and the purpose has enough meaning in our soul that we are willing to do whatever is necessary to bring that situation to fruition.

Step #2: Belief: You must believe you can achieve that internal desire. You must believe in your ability to do the things necessary to acquire the desired result. You must be able to objectively review your past performance, consider what others have done, and then visualize yourself reaching a new level of accomplishment. Every salesperson has experienced a best month ever. If you achieved it once, why cant you do it again? If you achieved that level which represents your best month ever for six out of twelve months, you would probably double your sales for the year. If you dont believe, you will never take action. Looking at what you have done in the past can help you believe what you can do in the future.

Step #3: Education: Top salespeople are educated in selling. Unfortunately there are not a lot of top salespeople. Maybe 10% of all the salespeople in the world fit into this category. Most salespeople are totally uneducated in selling and worse than being uneducated; they dont believe it would make a difference in their performance. These average, mediocre salespeople look around at other salespeople who are just like them and see no need to do anything different. After all, they are like every other salesperson out there. Management is just as much to blame. If they believed sales education would make a difference, they would require it. If management had the slightest clue as to the profits their company could generate from trained salespeople, they would make sales training a requirement for employment! Salespeople do what they do because they have always done it that way and that is what they have seen other salespeople do. As an industry, we have perpetuated poor habits and practices. Doing the same thing over and over again makes permanent, it doesnt make perfect. Doing the right things over and over again makes perfect. There are too few salespeople consistently doing the right things. There is no investment a company can make, that will generate a larger potential bottom-line profit than training salespeople. Let this year be the year you take action as a salesperson or as management, and get your salespeople trained.

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Sales tip: Don't believe for one moment your salespeople are even close to being the best they can become - Utah Pulse

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Keystone Agency Investors Expands Presence in Pennsylvania with Acquisition of The Seltzer Group – Business Wire

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HARRISBURG, Pa.--(BUSINESS WIRE)--Keystone Agency Investors (KAI), a new strategic partnership formed by Keystone Insurers Group and Bain Capital Credit, today announced the acquisition of The Seltzer Group, a custom insurance solutions provider serving Eastern Pennsylvania. Financial terms of the private transaction were not disclosed.

Founded in 1948 and headquartered in Orwigsburg, PA, The Seltzer Group is an independent insurance agency offering a comprehensive suite of insurance solutions. The companys product suite includes disaster recovery services, workers compensation claim management, risk management programs, health and wellness programs, human resources consulting and benefit portfolio financial planning programs, as well as a full line of personal insurance products.

KAI is a unique partnership structure that allows owners to monetize their most important asset while continuing to operate their agencies, leveraging growth through enhanced resources and support as they prepare for leadership succession. The Seltzer Group marks KAIs third acquisition since launching in July 2020.

As an independent agency with decades of experience creating customized client solutions, The Seltzer Group has grown from one location in eastern Pennsylvania to eight locations and with KAI, they are well-positioned to continue that growth trajectory, said David E. Boedker, Sr., CEO of KAI. We look forward to partnering with the Seltzer leadership team to unlock growth opportunities as they continue to provide clients with a unique concierge experience.

I am very excited about the future of our agency and industry. Seltzer becomes stronger partnered with KAI. We immediately gain greater resources to serve our customers, without giving up our unique culture and local control, Steven A. Stramara, President/CEO of The Seltzer Group added.

About The Seltzer Group

The Seltzer Groups mission is to change the way clients view insurance. Founded by Robert Seltzer, Sr., they have grown their capabilities and expertise since their inception in 1948. The Seltzer Group is committed to helping individuals and businesses protect what is important to them, provide risk management guidance, and be with them during difficult times. They are dedicated to helping the communities they serve. The Seltzer Group sponsors events and supports causes which enrich the lives of children. Their annual golf tournament has supported Special Olympics athletes for over 20 years. The Seltzer Group is proud to be a Big I 2019 Best Practices Agency. Learn more at

About Keystone Agency Investors (KAI)

Keystone Agency Investors (KAI) was founded with a simple premise: help independent insurance agencies grow and thrive through strategic acquisition and partnership. With KAI, owners continue to operate their agency, preserving their local presence and respect. By leveraging the investment acumen and global operational capabilities of Bain Capital Credit, we help agencies monetize their asset, ensuring generational wealth and maximizing value. We put the right growth tools in our agents hands, like perpetuation planning, producer sales training, and claims management support through our partnership with Keystone. For more information, go to

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Keystone Agency Investors Expands Presence in Pennsylvania with Acquisition of The Seltzer Group - Business Wire

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