I’m a large fan of stating “Thank you.” So I’m happy to feature this visitor post by Suzanne Muusers of Prosperity Coaching. Suzanne is a consultant to financial advisors. She was met by me through Tweets. Weekly What would happen to your recommendations if you published five thank you cards? Would your client relationships deepen? Would you spread goodwill and kindness?
I’ve been sending out a lot of hand-written thank you cards lately. I find really nicely designed thank you cards at Trader Joe’s and AJ’s and I simply get the urge to send them. You wouldn’t believe the response I get when the receiver receives the credit card. We have become such an electronic world we forget about the impact such a very simple action can have. While it’s nice to save paper on such niceties and become “green,” getting a credit card in the email is like obtaining a present. When you send someone a card through the mail, I am betting it stays on the desk for some time quite.
As I glimpse over my table, I see a hand-written credit card I received from a financial advisor I fulfilled last month at the Financial Planning Association conference. He asked me for advice on where he should get coach training. I gave him a few choice pointers and several days later received a lovely zen-like card from him thanking me for the tips.
You can wager that I’ll keep that cards for a long time. So how do you require thank you cards in your business? What occasions would be ideal for a thank you card? Week Maybe many thanks credit cards should be part of your Marketing Plan and part of your! Suzanne Muusers is a business coach, marketing expert, and a sales and marketing speaker based in Scottsdale, Arizona. Her training program for financial advisors, The Prosperous Advisor , focuses on revenue-building activities. If you’re struggling to pump out a steady circulation of good blog posts, check out my five-week teleclass for financial advisors, “How exactly to Write BLOGS People Will Read,” and sign up for my free regular monthly e-newsletter.
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But that’s not to state there aren’t dangers. We believe those dangers will be mitigated and handled,” says World Bank country director for South-East Asia, Ulrich Zachau. The fall in crude essential oil prices, which has been the result in for Malaysia, has sent the currencies of oil-producing countries lower, affecting their budgets and profits.
In South-East Asia, pressure has been telling on the ringgit and the Indonesian rupiah. Reminiscent of the doom and gloom of 1997/98, the Indonesian rupiah tanked against the buck to levels last seen during that period. Intervention by the Indonesian central bank addressed the decline, but the situation is also different today then it was back almost two decades ago.
Although liquidity is abundant in Malaysia, money has been appearing out of the stock market. Foreign selling has been pronounced this year and the wave of offering has seen more money flow from the stock market this season than what was put in to buy stocks last year. Equities is just an aspect of it as the larger worry is in Government bonds where foreigners keep more than 40% of issued government debt. “Worries is capital air travel and folks want to lock in their increases,” says the fund manager. As the selling that is taking place in the administrative centre markets is a concern, Malaysia of today is vastly different than it was through the 1997/98 period.
For one, corporates in Malaysia are not as leveraged as they were back then. Corporate debt-to-gross domestic product (GDP) ratio is below 100% but it was above 130% in 1998. Furthermore, corporate and business profits are still steady although general targets have been skipped in the last profits season. “Fundamentally, we now are much stronger. That had not been the case in the past,” says a corporate lawyer. The one big get worried, though, is home debt.
Sensitivity evaluation by Bank Negara which talks about several adverse scenarios, such as a 40% decline in the stock market and bad loans from corporates and households capturing up, indicate that the banking system can withstand a significant shock. “The scenario-based solvency stress test for the time 2014 to 2016 included simultaneous shocks on revenue, funding, credit, insurance and market risk exposures, taking into account some tail-risk occasions and downside dangers to the global financial outlook.