Tag: retired

  • Court Orders Forfeiture Of Retired Army General’s N293m, Property Over Financial Theft

    Court Orders Forfeiture Of Retired Army General’s N293m, Property Over Financial Theft

    Court Orders Forfeiture Of Retired Army General’s N293m, Property Over Financial Theft 1

    Court Orders Forfeiture Of Retired Army General’s N293m, Property Over Financial Theft 2


    The Federal High Court in Lagos on Thursday ordered the forfeiture of N293m, six parcels of land and 30, 000 MTN shares recovered from a former commander of the military Joint Task Force, Operation Pulo Shield, in the Niger Delta, Maj. Gen. Emmanuel Atewe (retd).

    Justice Mohammed Liman made an order for the temporary forfeiture of the assets to the Nigerian Government following an ex parte application by the Economic and Financial Crimes Commission.

    The EFCC alleged that the assets were part of proceeds of N8.5bn, which Atewe allegedly diverted from the military operation between September 5, 2014 and May 20, 2015.

    The landed properties were identified as 50 hectares of farmland at Plot No. FL746B Gaube Farmland Extension II Layout, Kuje, Abuja; a piece of land located at Commercial Layout, Yenagoa Gardens, Bayelsa State; one hectare of land in Kuje District, Abuja; Plot No. CP10, Sector Centre B Layout, Kuje, Abuja; Plot MF62 Outer Northern Expressway Cadastral Zone, Abuja; Plot No. 1228 Jahi, Abuja; four hectares of land designated as Plot No.CP6386 and Plot No.CP6387, Sabon Lugbe, Abuja.

    An investigating officer of the EFCC, Adamu Yusuf, said Atewe purchased the 30,000 MTN shares for N170,350,000.

    Counsel to the EFCC, Rotimi Oyedepo, said it would be in the interest of justice for the court to order the temporary forfeiture of the assets.

    After listening to him, Justice Liman granted the prayers and ordered that the temporary forfeiture order be published in a national newspaper.

    The judge adjourned until April 20 for anyone interested in the assets to appear before him to show reasons why they should not be permanently forfeited to the Nigerian Government.

    The EFCC had since 2016 been prosecuting Atewe alongside a former Director-General of the Nigerian Maritime Administration and Safety Agency, Patrick Akpobolokemi; Kime Engozu and Josephine Otuaga.

    They were accused of conspiring to divert N8.5bn of the military Operation Pulo Shield in the Niger Delta.

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    Court Orders Forfeiture Of Retired Army General’s N293m, Property Over Financial Theft
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  • WHO satisfied with Malaysia’s preparedness in dealing with Covid-19

    WHO satisfied with Malaysia’s preparedness in dealing with Covid-19

    WHO satisfied with Malaysia’s preparedness in dealing with Covid-19 3

    PUTRAJAYA: The World Health Organisation (WHO) is pleased with Malaysia’s level of preparedness in handling the Covid-19 pandemic.

    Health director-general Datuk Dr Noor Hisham Abdullah (pix) said the matter was learned at a recent meeting between the WHO and the Ministry of Health (MOH).

    “What Malaysia is doing is the first method, the MCO (Movement Control Order),“ he told reporters at a media conference at MOH, here today.

    Dr Noor Hisham said Malaysia’s second method of controlling Covid-19 transmission was by conducting active case detection or identifying positive case patients – searching, testing, isolating and treating.

    In addition, Malaysia also identified the Covid-19 target groups – those who attended the tabligh gathering at the Sri Petaling Mosque, illegal immigrants and the Rohingya community, he said.

    He said the MoH had also consulted with the local authorities to carry out cleanup exercises of public areas which is expected to be implemented within the next two days.

    Asked about the number of doctors in Malaysia at the moment, he said so far there were enough doctors, and the ministry is in the process of recalling 3,000 retired nurses and health workers.

    “However, the MoH did not wait for all 3,000 retired medical personnel to come forward to register for employment. For example those who have skills in the Intensive Care Unit (ICU) and ward have been employed. More than 1,000 retired personnel are already placed in Sungai Buloh Hospital,” he said.

    Asked about the teleconference between MOH officials and doctors from China in the afternoon, Dr Noor Hisham said Malaysia wanted to know about the new method used by China in treating Covid-19.

    “For example the use of Avigan (medicine). The side effects need to be studied first. Even though it is not registered in Malaysia it can get the approval of the director-general of health,” he said.

    He added among the new methods shared by China is to use the blood of patients who have healed, as plasma to thicken the antibody.

    “But MoH is unsure whether this approach is effective or not,“ he added. – Bernama

    WHO satisfied with Malaysia’s preparedness in dealing with Covid-19
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  • Health Ministry can conduct 16,000 screenings a day by April

    Health Ministry can conduct 16,000 screenings a day by April

    Health Ministry can conduct 16,000 screenings a day by April 4

    PUTRAJAYA: The Health Ministry expects to be able to carry out 16,000 Covid-19 screenings a day by April compared to just 3,500 now.

    Health director-general Datuk Dr Noor Hisham Abdullah said that tests are currently being conducted by 18 Health Ministry and five private laboratories.

    “The Institute for Medical Research will train several other laboratories, including in military and university hospitals, to enhance Malaysia’s ability to conduct Covid-19 detection tests,” he said at the Covid-19 daily press conference today.

    Meanwhile, he said the ministry will deploy more nurses in states with a very high number of Covid-19 patients like at the Sungai Buloh Hospital in Selangor as well as recall retired specialist doctors and nurses.

    Other than that, the ministry is also cooperating with private hospitals to jointly tackle the health problem. – Bernama

    Health Ministry can conduct 16,000 screenings a day by April
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  • Webcast excerpt: How does an advisor help a retired client plan for the future?

    Webcast excerpt: How does an advisor help a retired client plan for the future?

    In this excerpt of a recent webcast, Jon Cleborne, head of Vanguard Personal Advisor Services® talks with two senior advisors, Bryan Lewis and Kahlilah Dowe, about the current market environment and the questions that have been coming up recently in our conversations with clients.
    Webcast excerpt: How does an advisor help a retired client plan for the future?
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    https://investornews.vanguard/how-does-an-advisor-help-a-retired-client-plan-for-the-future/

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  • TOP TEN Pound 4 Pound Best Boxer Ever

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    Before we start our list, I wanted to take some time to comment on 2 fighters that may have strong support in certain communities for being among the best ever, but truly do not have a place on the list.

    NOT RANKED

    Rocky Marciano – Won 49 Lost 0, 43 KO

    Ask any Italian who the greatest boxer ever was, and you will never hear the names Ali, Louis or Sugar. Nope. You will only hear the name Rocky Marciano, the only heavyweight champion to retire undefeated. To his credit, Rocky Marciano did make a habit of beating up his opponents in the ring. Add the fact that his most notable victory was over his childhood idle, Joe Louis, whom he sent back into retirement. But Joe was well past his prime. He also beat Archie Moore, but he also was already in his early forties. So to the entire nation of Italy and her children I say to you, Rocky Marciano could not beat any of the champions in my Top T.E.N.

    Lennox Lewis – 41 wins, 2 losses, 1 draw, 32 KO

    Lewis will most likely go down as one of the most intelligent, calculated champions ever. But that is not what pound for pound is based on. Lennox was able to capitalize on Tyson’s jail term to reign as champion, then got out before the Klitchko brothers could undo the legacy he has manufactured for himself. He stayed an extra 4 years as an amateur to win a gold metal against younger opponents (Riddick Bowe for the medal bout). He then became champion only because Bowe gave up the title. He backed out of Tyson’s way (accepting a huge multi-million dollar payoff from Don King as payment for Tyson taking his ranking) as he was climbing back up to regain the championship that was handed to him. I believe that history will judge him for the fake that he truly is.

    And now, to the top ten best pound for pound boxers:

    10 – Mike Tyson – 50 wins, 5 losses, 2 no contests, 44 KO

    No other fighter has been called “the baddest man on the planet”. Mike Tyson was perhaps the most feared person in boxing history. Up until Buster Douglas embarrassed Iron Mike, Mike Tyson made fighters give up. Going up through the amateur ranks, boxers actually lost on purpose so as to not fight Tyson in tournaments. How ironic that Tyson’s worst defeat was not to a boxer, but to a beauty pageant contestant named Desiree Washington. There is a great chance that had Tyson not suffered a 3-year setback, he would have easily moved up and be universally recognized as one of the best ever.

    9 – (Big) George Foreman – Won 76 lost 5, 68 KO

    Foreman’s biggest enemy opponent has always been himself. He could not accept defeat. After making his name as one of the most dominant fighter ever, his loss to Ali took him out of professional boxing for over a year. He made his first comeback attempt in 1977, knocking out his next 5 opponents (including Frazier, again), only to retire after losing a 12 round decision. A decade later, Foreman made an improbable comeback at the age of 38. Foreman made it again near the top of the boxing rankings, and despite suffering setbacks against Holyfield and Tommy Morrison, Foreman shocked the world when he stunned Michael Moore with a knock out in the 10th round. His next few bouts further proved that even unto his late 40th, Foreman was still a formidable force.

    8 – (Sugar) Ray Leonard – 36 Wins, 3 Loss, 1 Draw, 25 KO

    Leonard has to be on this list if only for the pure psychology he was able to inflict on his opponents. Only Ali could get into his opponents head more. Add to that all the titles his has own, in multiple weight divisions, and you have your number 8 all time. Like most great fighters, he just did not know when to quit, so you will have to ignore the last few fights of his career. Sugar Ray beat them all, from Duran (No Mas, No Mas), to Hagler, then Hearns, Sugar Ray’s stock only dropped because of his own issues. He first retired due to a detached retina, and it can be argued that a serious cocaine habit between 84 and 89 further damaged his career.

    7 – (Marvelous) Marvin Hagler – 62 Wins, 3 Losses, 2 Draws, 52 KO

    Yes, we have the Marvelous one ahead of Leonard, even though Leonard beat Hagler in their one encounter. Hagler was so distraught by that loss that he left before, and even refuses to talk about that fight today. Hagler’s only 2 losses were early on in his career, and he responded to them by beating both fighters. He would have continued to dominate the middleweight division had he not suffered the mentally debilitating loss to Leonard. While Hopkins has been middleweight champion longer, with more title defenses, it can be argued that he never faced opponents the caliber of Duran and Hearns, both of whom Hagler defeated.

    6 – Archie Moore – 181 wins, 24 losses, 9 draws and 1 no contest, 145 KO

    Looking at the record, it is easy to see why the “Old Mongoose” or “Ancient Archie” has made it to the list. Archie’s career spanned over 4 decades, and it the only fighter to have faced by Rocky Marciano and Muhammed Ali. Archie was a better Light Heavyweight than he was a pure Heavyweight. He had his light heavyweight title stripped from him twice because he was too busy fighting at a higher weight class. No other fighter has knocked out as many professional opponents as Archie.

    5 – Roy Jones Jr – 49 wins, 3 losses, 38 KO

    This particular selection is highly debatable, and may end with Roy’s removal from the list completely. While there is no denying his talent, there is question as to if his showmanship and opponent section unfairly propelled him into his status. Winning a championship fight after playing paid basketball the same day was previously unheard of. As was becoming a champion at middleweight all the way up to heavyweight. Before his last two fights, Jones’ only defeat was a bogus call after he was disqualified against Montell Griffin, which he quickly avenged. Jones has at least warranted due considering, and an initial entry to the list.

    4 – Joe (Brown Bomber) Louis – Won 68 Lost 3, 54 KO

    While there seems to be some dispute over whether 5 of his victories by KO were exhibition matches or not, there is a consensus not take seriously 2 of his 3 losses in failed comeback attempts. The last, and most humiliating defeat was an 8th round KO through the ropes by Rocky Marciano. The Brown Bomber was so much in debt, that he tried to come back well past his prime. The fact that so much cultural identify was thrust upon his shoulders, made Joe Louis not only one of the greatest pure fighters, but a true icon for America’s 2nd class citizens. Joe will be best known for his 1st round KO over Germany’s Max Schmeling in 1938. Schmeling beat the favored Louis in 12 years only a few years earlier. Even when Joe won the Heavyweight title by knockout, he refused to be called champion until he settled the score with Schmeling. It is this attitude that made him a national hero despite his color.

    3 – Julio Cesar Chavez – Won 104 Lost 5, 2 draws, 80 KO

    Julio is a Mexican world champion boxer who won world titles in 3 different divisions. Among the world champions that Chávez defeated in his career are Edwin Rosario, Jose Luis Ramirez, Rocky Lockridge, Meldrick Taylor, Roger Mayweather, Sammy Fuentes, Héctor “Macho” Camacho, Juan Laporte, and Tony López. Chavez went 13 years before not winning a fight, with a draw to Pernell Whitaker, and it was another year later before he suffered his first defeat which was avenged 4 months later. Only in his last 8 years of his 24 year career did Chavez acount for 4 of his 5 losses to 3 different oppenents. He was able to avenge his lose to Willey Wise, but failed in second attempt to Oscar De La Hoya.

    2 – Muhammed (Louisville Lip) Ali – won 56 Lost 5, 37 KO

    In my book, Ali will also go down as one of the greatest human beings of all time. As purely a boxer, only a “what could have been” during his 3 year lay off after refusing to go to Vietnam prevents him from being the best ever. He came back after 3 years to lose his first of three asking Joe Frazier. Both were undefeated at the time. The same happened with Ken Norton. In both cases, Ali came back to whup them in the next 2 fights. Although the two became friends later on, Ali is also credited with knocking Foreman out in the ring, out of boxing, and onto the pulpit. Leon Spinks got Ali during his declining years, but Ali still come back to beat him in 1979. What happened to Ali in the next two fights against Holmes and Berbick is eerily similar to what is happening now with Roy Jones Jr. In neither case, should those 2 fights be included into what was an otherwise spectacular career.

    1 – (Sugar) Ray Robinson 179 wins, 19 losses, 6 draws, 2 no contests, 109 KO

    While many fighters have held that nickname over the years, none have been as sweet as Ray Robinson, whose real name was actually Walker Smith Jr. Robinson won the middleweight title an unprecedented 5 times. Even Muhammed Ali referred to Sugar Ray as the greatest fighter ever (it is rumoured that Robinson actually refused to give Ali an autograph when Ali met him while Ali was still young, and Clay). Unlike Moore, the majority of Robinson’s losses came at the end of his career.

    Honorable Mention

    Floyd Mayweather Jr – 32 Wins, 0 Losses, 21 Knockouts

    Now regarded (arguably) as the best active pound for pound boxer

    Roberto Duran – 103 Wins, 16 Loss, 69 Knockouts

    He will forever by scarred by his 8th round quit job on Sugar Ray Leonard.

    Evander (Real Deal) Holyfield – 38 Wins, 7 Losses, 2 Draw, 25 KO

    Was undisputed cruiserweight and heavyweight champion of the world. He also was the man that destroyed the aura that was Mike Tyson. He will have his place in boxing history, but not as one of the greatest ever.

    (Smokin’) Joe Frazier – 32 wins, 4 losses, 1 draw, 27 KO

    Also one of the most feared fighters ever, but 2 losses to Ali and Foreman will keep him off this list.

    Thomas Hearns – 59 wins 4 Loss 1 Draw, 46 KO

    AKA “the Hit Man” and “the Motor City Cobra”, Hearns won seven world championships in six weight classes during his 22 year pro career. But losses to Leonard (his first ever) and Hagler will keep him off the list.

    Bernard Hopkins – 45 wins, 2 losses, 1 draw, 1 NC, 32 KO

    More so than Hagler, Hopkins had a slow start to his career. When he finally won the belt, he has defended against the best of the 90’s and 2000. He may end up considered in the 10 top yet.

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  • Warning Regarding Holly Mann’s Honest Riches

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    I like Holly Mann’s E-book on how to make money online and if I had to go back in time and buy it again, I would. Or … okay, I admit it. I absolutely love her book.

    So why am I writing a warning?

    First of all, you might be wondering what I’m talking about. Who is Holly, and what E-book?

    Holly Mann is a single mom and a retired “disabled” army veteran in her mid twenties. (I have no idea what her disability is, she looks pretty healthy and strong to me and you should see her as a contortionist!) She is an American living in Thailand with her toddler son, Josh.

    On her website she tells the story about how she went from $0.00 to $12,000 per month in online income. In other words, she started from virtually nothing but now she makes a killing online, working from home.

    Holly wrote an E-book which teaches anyone how to work at from home to make money on the Internet. This is something that even the complete beginner can understand. When I first read it, I was completely clueless – not only about how to make money online, but on the Internet in general. I didn’t even really know what a website was.

    If you have heard of the “Rich Jerk” you may have heard of Holly. Holly originally read the Rich Jerk’s E-book, but then wrote her own, under the motto to “No thank you Rich Jerk – Honest Riches!” Holly promotes honest and ethical ways to make money online which are successful and also helpful to others. In other words, she teaches you to earn money by providing services and products to people that will help them. She doesn’t teach you to fool people out of their money. People who operate this way always win out in the end.

    The money-back guarantee and the low price of her E-book is one reason why it is very easy to buy her E-Book and try out what she teaches.

    Holly is also human.

    Holly’s E-book teaches the complete beginner how to make money online. It includes methods on how to make money with no start-up cash, how to earn money by promoting other people’s products, how to use advertisement to earn money on your own website or blog (and even how to do it for free), how to write and submit articles which will result in online income, how to create your first website, and a lot more. Her E-book is also full of links to websites and software which will save you hundreds of hours in getting off the launching pad. And she throws in plenty of free bonuses.

    So what’s the warning?

    Well, when I first wrote this article (years ago) there were two points in her E-Book where she suggested methods of making money online that had been workable when she wrote them. But times had changed slightly so there were a couple of points I thought people should know.

    However, by now Holly’s E-Book has been revised and even those points are clarified extremely well.

    So there is no warning. In fact, I have recently reviewed the 2008 edition of Holly’s E-Book. It is not released yet but Holly sent it to me in an email.

    It is a virtual treasure. (By the way, the price will go up when she released the new version, probably in mid-August 2008. But if you buy the current version at the current lower price, you will get a copy of the 2008 version for free when it arrives.)

    Holly’s 2008 Honest Riches III contains 277 pages of very easy to read information. Everything you need to know about Internet Marketing is covered. And what makes Holly stand out from the crowd is that she uses such simple terms and explains things so clearly, that anyone can understand it. I found simple explanations of concepts that I had been searching for for ages.

    She also explains everything that is vital in making money online so that you will be clear-headed in taking every step you need to take, without wasting your time in confusion and blunders. Holly gives you the step-by-step instructions and procedures to take so that you can start making money online and reaching your goals.

    If there is only one thing you ever purchase to help you learn to earn your living (and more) online, I can honestly say, without a doubt that it is this E-Book. As a rule, I do not promote products in the field of Internet Marketing that I have not used and loved. There is just too much low-quality (or worse) garbage out there.

    I have heard some people ask if Holly is a real person. Holly is a friend of mine. I have taught her to write poetry.

    One of the things that makes her stand out from the crowd is her willingness to help people. Time and again, you see her going out of her way to give extra assistance and advice to people who want to succeed in making money online.

    All said, Holly’s E-book is still the best I know of, for teaching the complete beginner how to make money online.

    If there were only one purchase I could make in that field, it would be Holly’s E-book. And without it, I would still be swimming in confusion, or would have given up long ago.

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    Source by Anna Vera Williams

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  • The Motionless Traveller by Author Aspi Doctor, a Spiritual Journey

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    The Motionless Traveller by Author Aspi Doctor

    I thought it fitting to play my Dalai Lama CD while contemplating the novel I have just finished; “The Motionless Traveller” by author Aspi Doctor. It assists in setting the tone while I attempt to articulate the many levels of knowledge woven in between the lines for the reader to catch or to just simply sit back and enjoy the ride. Yes, the Dalai OM’ing in the background of my concsious mind overseeing that this review is done with honour. I think he would approve.

    Aside from the fact that I am continually amazed at the phenomenal talent to be found off the beaten path of the big box book publishing houses and corporate monopoly distributors and retailers, who knew that this Northern Ontarian would be reviewing a such a ‘shining star’ from India.

    To have the gist of the novel, it is important to understand a bit of the man behind the words. Aspi was born in Bombay, India into a family of Zoroastrians and avid readers. He first demonstrated his gift for storytelling in primary school, to the delight of his classmates. Among the many other demands of a vocation within academia and in pursuit of his passion of the written word, Aspi studied English Literature obtaining a Masters Degree and Diploma in Journalism at the University of Bombay. Here Aspi was awarded the honourable prize of ‘First Standing’ in his subject group, and continued to explore many other dimensions of the wonderful world of literature in the Dramatic Arts and Theatre, Public Speaking and Radio Script Writing.

    In 1969, Aspi finally began putting pen to paper in earnest above and beyond his full duties as Principal and Academic of the Tolani College and the A.P. College of Commence, (affiliates of the University of Bombay). As a respected educator in his own right, he wrote and published a number of Text Books, such as; Business Communications-25 editions, Bank Correspondence-11 editions, Communications Skills in English-12 editions, Mass Communications-6 editions and more.

    In 1980, this calm, wise, insightful, mild mannered and ever smiling semi-retired professor began to put his wealth of knowledge into fiction format with “The Motionless Traveler”.

    A futuristic story that begins in Bombay India, in an era of post fossil fuel exhaustion and overpopulation with a bored government worker named Krish. Jolted out of his routine life when he rescues a young girl from a street gang, Krish inadvertently embarks on an adventure that spans the globe when he is gifted a ‘magical’ statue of the Buddha. Intertwined within the many levels of the story the reader gains glimpses into the Indian cultural mind with hints of Buddhism, Zoroastrianism, Spiritualism with some key Natural Law and Quantum Physics to ponder. Through the fine art of storytelling, we participate in Krish’s spiritual and metaphysical journey to a desert in Arabia, to Africa, to Mexico, to New Mexico, the United States, all to arrive at destination Canada. However, the true destination is to be continued long after the Buddha is handed over to a scientific research group, whose intent is to unravelling the statues mysteries amidst much intrigue as.

    Krish’s magical journey across oceans and continents brings thought provoking insights to the reader while he grows into new found power and understandings of the laws of nature and ultimately the evolution of mankind as a whole.

    As with all great teachings, the story is innately and humbly human while touching on the sacredness of the spiritual journey toward a collective and timeless God consciousness.

    Aspi continues to devote his so called spare time to his current writing endeavors which include another fiction novel entitled “Feet of Clay”. Several more text books are also in progress and pending publication.

    Aspi is currently the Vice President of the Association of College Principals in Bombay and an active member on the board of directors of two other educational institutions.

    I look forward to his next novel with anticipation of yet another spiritual journey filled with insights and the human condition. I am happy to recommend this work.

    Addendum: It is worth the time to peruse the http://www.ideaindia.com web site, a wealth of talented authors, good books, free e-books and articles covering many genres and topics.

    Reviewer:

    Jan Porter – http://www.inspiredsoulworks.com

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    Source by Jan I Porter

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  • The Best Final Expense Sales Presentation Ever

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    Arriving At The Prospects Home

    When I arrive at the house, I like to park in the driveway because that is where family parks and they are more likely to greet me. I look for the door that they use the most and I go and knock on their door (usually the back or side door). While waiting for them to come to door, I look down at my clipboard and pretend to read. I try not to make any eye contact until they open the door.

    When they open the door, I greet them as if they have been waiting for me all day long. “Mrs. Jones? My name is Joseph and the reason I’m stopping by today is because you recently sent this card in and it’s my job to bring you that information you requested. I’d really like to go over this with you, can I come in?”

    If they say yes, GREAT!!! I’m in! If they say it’s not a good time, then I will schedule an appointment with them for the next day. Now you are off to your next one. Some people will let you in and some people will make appointments with you, some won’t be home. (Always make sure you go back or call if they’re not there.) Of course, some will slam the door in your face… ha (fortunately, not usually.)

    At the end of the day, you should have made 3-4 presentations and scheduled 4-5 appointments. The point is, you are out there working and making money. I’ve honestly made $8000 in commission in one day!!! No joke.

    Making Appointments

    Rather then drive around all day, some people prefer to make appointments or hire someone to make appointments for them. Personally, I hired someone to do this for me. I schedule my appointments an hour and half apart. Usually it starts at 10:30am and ends at 7:30pm. I try to get 7 appointments a day, 4 days a week. I always make my appointments the day before because they forget if it’s more than one day away.

    Script for Setting Appointments Yourself

    Here is an appointment script you can use:

    Good Afternoon ____________, This is ____________

    I have in my hand, a pink card that you filled out and sent in requesting information on the Social Security Death Benefit Program.

    Now, my job is to get this information out to you.

    The address I have here is ___________________.

    Is that correct?

    Okay… Great!

    On the card ________, you wrote down that you were 65 and that your wife was 63… is that correct?

    Awesome, awesome…

    Let me ask you a question: are you (you guys) working, retired or receiving disability?

    Oh yeah, that’s good, that’s good… What time… do you/she/he get off work…

    chit chat…

    anyway, like I said, my job is to this information out to you and I can either get it out to you tomorrow at ______ or ______…

    which is best for you?

    Great…

    Do you have a pen and paper handy or do you have your calendar in front of you?

    I just want you to write down my first name… It’s Joseph. Last name Haworth, H-A….

    Now put down there ______am/pm on ___________day… that’s tomorrow.

    Well, I really appreciate your time, I look forward to meeting you and __________, at ______________am/pm _____day________.

    Have a great day.

    When you arrive at your appointment, smile BIG and assume you are getting in. Say you are there for the appointment and ask to come in. It’s easy to get in… most of them remember that you are coming.

    Presentation

    To put you at ease, I want you to know that I’m not a sales person at all. I’m the most passive, non pushy person you can imagine. There really is no trick to it. So relax your shoulders and have fun.

    Once you are in the door, you compliment their home, their yard, their dog, the smell of the house… you know… whatever! Just compliment. My favorite one is to mention how clean the house is. If it is really clean, it means they work really hard at it and they appreciate someone noticing. As I’m walking in the house, I look at the pictures and I either ask who is in the pictures before I sit down or I ask later. In any case, seniors love to share their pictures so make sure you ask about them.

    I’m always very casual and I do my best to avoid the sales presentation for about a half hour. I like to have them talk to me and tell me about themselves and their family and their problems etc. I honestly get sucked in. I’m right there, feeling their joy and pain and I’m concerned and interested. I don’t care about the insurance at that point. Eventually, you move to the presentation and by this time you are friends and this helps them listen and helps you know how to communicate to them. Here are the steps:

    1. You tell them why they received the card and what it’s about.

    2. You bring up the cost of a burial and the fact their family is going to have to pay $10,000.

    3. You find out why they sent the card in.

    4. Ask who their beneficiary is and if they have ever paid for a funeral (both these questions bring out emotion because they don’t want their kids to pay for the funeral and by asking if they have ever paid for one, this helps them remember the pain of paying all that money for a funeral.)

    5. Ask them what medications they take and what they are for. Then you ask how their overall health is. “Have you had any heart problems, or kidney, or liver or lung problems? If so, when?” You need to know when because most applications only care about the past 2 years or so.

    6. Now you know what they are going to be approved for and you can show them some prices. I usually write down 3 or 4 prices on the back of their lead card. I try to match what I think they can afford. Once I write them down, I go over the prices and then hand them the sheet. I say, “Now, Mrs. Jones, I want you to look over these three prices and you tell me which one is best for you?

    7. Before I give them the prices, I tell them about an immediate benefit and a graded benefit. The immediate benefit means that their family will get the full face amount if they died even after only one payment. The graded policy, however, makes them wait two years before they have full coverage. To find out which one they qualify for, I have to ask the questions on the application. (However, if you asked enough questions earlier, you already know….)

    8. Before I ask the immediate benefit questions, I ask them to pick out a price first. (This is called asking for the sale. You have to ask for the sale or you will not sell!!! Plain and simple). Knowing the price they will pay helps with the next step. When you know they qualify for immediate benefits, after you ask the appropriate questions (that you already know the answers to), you stand up and congratulate them.

    9. At that point, all you have to do is ask for their personal information. “Mrs. Jones, can I see your SSN and Drivers License”… the point is that you start writing the application.

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    Source by Jody Haworth

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