Worst Sales Jobs – Why You Need To Go Freelance

The 6 Worst Sales Jobs (and why you need to avoid them — at all costs)

In this entry I’m going to run through what I think are the 6 Worst Sales Jobs you could be in. I’m going to encourage you to avoid them, or, if you’re already in one, encourage you to get the hell out as quickly as possible.

Because here’s the thing …
* The economy is suckin’ it right now …
* and it’s probably not getting better anytime soon.
A lot of companies (even big ones) are downsizing, or they’re flat out going under.
* A lot of folks in sales are looking mighty hungry, and more than a little desperate and panicky anymore.
I personally know guys who were pulling down $25K a month in sales commissions a few years back … who are now having a hard time making their car payments and are starting to worry about losing their homes.
And here’s why:
* They’re in the wrong market.
* And they’re operating from the wrong model.
And even if they were in the right market, even if things were going “good,” they’re miserable, overworked, overstressed, trapped in sales careers they should have been rethinking long ago.
They’ve been chasing the buck.
And for this, they have been sacrificing what is far more important:
* Lifestyle.

* The six worst sales jobs …
So let’s run through what I consider the six worst sales jobs out there.
You might be looking at one of these as an option …
Or you might already be in one of them.
(I was at one time or another in all of them. With varying degrees of success and failure. And damn miserable most of the time. It wasn’t until a few years ago that I finally figured out the right way to build a sales career. And I’ll come to that. But first let’s look at the wrong sales jobs, the ones you should avoid like the plague.)
If you are one of these kinds of sales jobs, I’m going to encourage you to start re-thinking your life.

* #1 Worst Sales Job: Loan Officer (i.e., Selling Home Loans, Selling Mortgages)
Let me start with a confession.
I gave the mortgage business a shot some years ago — and I sucked at it.
I got caught up in the whole “mortgage consulting” approach, buried myself in learning everything imaginable, studied all of the “gurus,” bought into all of the “systems” and “services,” stayed up late and got up early studying an endless arsenal of “materials” and attended “seminars” constantly … and I still sucked at it.
And a good thing I did.
Not only did the market fall out from under the entire profession in the past few years, wiping out thousands upon thousands of jobs in the industry (and leaving everyone left standing shell-shocked and desperate), but more importantly …
* It was a good thing I got out when I did, because even if I had succeeded there, even if the economy hadn’t tanked, I would have been miserable in the mortgage business. WHY?
Going into an office every day.
Wearing a suit every day.
Dealing face to face with clients every day.
Dealing with appraisers and underwriters and processors and insurance companies and accountants and real estate agents … wrestling with rate sheets and program requirements, locks and deadlines, market fluctuations and government regulations … and the endless sprawl of documentation …
That was the worst part of it. Dealing with all that goddamn PAPERWORK.
Oy!
The amount of paperwork and the sheer, unadulterated grief, you have to go through to close a home loan — and all of the endless crap that can trip up the process and turn what looked like a slam-dunk closing into a whirling nightmare of missing documents and pissed-off clients and hair-trigger land mines that can blow up at any second …
All to close one deal.
(Maybe.)
Sigh … No — that’s just not for me.
That’s not the world I want to be living in every day.

* #2 Worst Sales Job: Pharmaceutical Rep or Medical Supply Sales
Here’s another one I looked at once, and another I’m damn glad I avoided.
Last I checked, you have to sell about $1M annually to pull down a $70K salary as a medical supply rep.
Sell a million bucks a year. To make seventy grand.
Now, what they try to sell you on is the idea of “residual” income — build up accounts, they keep buying enough Band-Aids and tongue-depressors from you every month, and after a while you have it made.
What they don’t tell you is how goddamn hard it is learning about the 10,000 different kinds of drugs (or worse, gauze and rubber gloves, chemistry panels and reagents, scalpels and test tubes) … going out there every day, dropping in on an endless string of offices, trying to set up appointments with doctors and practice managers who have been conditioned and trained to treat you like dirt and make your life as unhappy and frustrated as humanly possible … All for the privilege of selling them soap for their bathroom dispensers …
The sheer hours you have to put in, and the grief and rejection you have to fight your way through to actually succeed in this kind of sales job …
Forget it.
Again — I’ll pass.

* #3 Worst Sales Job: Anything Corporate
If it involves an office (or worse, a cubicle) …
If it involves a time clock (or someone questioning why you’re a half hour late, or leaving a half hour early) …
If it involves putting on a monkey suit every day …
If it involves having to spend your time flying (or driving) around the country, meeting with people you don’t like …
If it involves tip-toeing around a boss or an office manager, or any form of kissing someone’s ass while hoping for a “promotion” …
Man, if that’s the kind of “sales” job you’re in, I’ve got news for you.
You are in the rat race.
And here’s the news flash: Your job is NOT secure.
And if you are not already a chronically-overworked, alcoholic, multiple-divorcee, borderline-suicide … you’re probably headed in that direction.
You might want to get off that merry-go-round while you still can.

* #4 Worst Sales Job: Anything Involving Sticking Signs On Your Car (or hanging signs on a Street Corner)
Now we jump to the other end of the spectrum.
I’m going to lump a few things into this one.
If you have magnetic signs on your car or your phone number printed on your back window …
… if you are hanging up your business cards on bulletin boards hoping a prospect might see them …
… if you are trying to pressure friends and family to set up “meetings” for you to share some “opportunity” …
You are in the wrong sales profession.
What falls into this category?
* Trying to run your own small, locally-based business. (Too much grief, too many hours, too little profit.)
* Trying to convince people to join the latest Multi-Level-Marketing scheme. (Oh, man. Don’t get me started.)
* Trying to sell real estate, or dealing in whatever it is the guys selling seminar tickets call “real estate investing”…. (Um … have you seen what’s going on out there?)
In any sales career like this, where you are reduced to employing these kinds of tactics to try to scrounge up prospects — and where everyone else involved seems to be smiling too damn much, and not very convincingly — I hate to say it, but you are likely operating from a position of desperation.
You are operating on hope.
And last I checked, hope is not a negotiable currency the bank recognizes.

* #5 Worst Sales Job: Anything Involving Standing Around Somewhere Waiting For Business.
My first sales job was selling carpet. I was probably worse at that than at trying to sell mortgages.
Here are the hard facts. Standing around waiting for customers to drop in is not a reasonable approach to trying to provide for yourself and your family.
Again, with the economy the way it is, and with more and more people shopping and researching their buying decisions online … The world of retail sales has become a world of Barely Getting By — If You’re Lucky.
And even the guys who are lucky and are getting by … they’re working 60 hours a week, living paycheck to paycheck.
Nope.
Again — not for me.

* #6 Worst Sales Job: Anything Involving Bugging People When They’re At Home
Tele-marketing and door-to-door sales have to be the worst. They’re only at the bottom of my list here because I have the least experience with these. Never done either, thankfully.
If you’re calling on people at home when they don’t know you (and don’t want to know you), whether you are ringing them on their phones or knocking on their doors — you are in the wrong career, pal.
You’re not in the sales business. a[euro] You’re a public menace.a[euro] So just stop. a[euro] There’s a better way.

* What WOULD Make For a Great Sales Career?
I’ll be going into this in detail in another video, but in short …
1.) A great sales career would NOT involve anything like the crap jobs I’ve been talking about so far.
2.) Instead, a great sales career would allow you to get up when you want, work when you want and however much you want (and certainly no more than 10 or 20 hours a week if you didn’t want to), and without question work from home or really from wherever you want — in fact, work from anywhere in the world you want.
3.) And more important than anything, a great sales career would not only bring in a substantial six-figure income, it would also allow you the luxury of enjoying an extraordinary lifestyle at the same time.

And you can be sure I’ll be talking more about that in the next video and accompanying article I put together.

You can check them out (and get my latest free report) at:
www.mavericksalesguy.com

Considerations When Purchasing Fujitsu Heat Pumps

New Zealanders have faced price increases in power of over 50% in the last few years at the same time as there has been restrictions on the type of heating that can be used in most parts of the country. This has lead to the increased popularity of heat pumps because they are 300 to 400% efficient whereas electrical heating is normally 100% efficient. This means a saving of about a third in the amount of electricity required. Heat pumps are lot less costly to operate because they do not warm air but transfer the warmth from air outside the building to the air inside the building. This is possible even at very low temperatures. The only power that is required to run heat pumps is for the fans and the compressor.

You can expect even small heat pumps to provide a lot of heat. 2300 watts is as much as you can get from a fan heater of the plugged in variety whereas the least powerful Fujitsu heat pumps can put out 3600 watts. So the even the smallest models generate much more warmth and at the same time are much cheaper to operate.
Fujitsu Heat Pumps are easy and inexpensive to install. A straightforward system should not take more than six hours but more complex systems will take longer depending on what is required. The cost varies from around $2500 and $5000 per unit and is dependent on size and features. This normally includes installation and GST. Installing the correct size and model of heat pump to fit the heating area is vital.

Getting hold of an installer who is Fujitsu Accredited is step number one. He should be capable of advising you which heat pump will be best for you. It is important to match model and system to your unique situation as this affects the efficiency of the heat pump. You may buy a smaller unit only to find that it is running constantly in cold weather and your electricity bills are much higher than expected.

Some local bodies offer a grant to assist with the change from polluting forms of heating to cleaner heaters such as heat pumps. Ask you Fujitsu installer about how to apply for those funds. If your chimney has been damaged by an earthquake you will probably also qualify for the installation of a heat pump to replace it. Once again ask your supplier of Fujitsu Heat Pumps about how to apply for this.

Fujitsu have brought out special software called EzeCalc which can calculate which size heat pump is needed to heat the area in question. The expertise and experience of the accredited installer combined with the software will ensure that you buy the heat pump system that is best suited to your unique needs.

What Is An Adjustable Rate Mortgage Or Arm

Copyright 2006 Jason P Bertrand

An adjustable rate mortgage is a mortgage loan that is fixed for a set period of time and then adjusts based on the rates during the adjustment period. Some common adjustable rate mortgage loans terms are 1/1, 3/1, 5/1, 7/1, and 10/1. The first number in what appears to be a fraction is the amount of time the rate stays fixed. The second number is the amount of time between adjustments. For example a 5/1 Adjustable rate mortgage would stay fixed for 5 years and then adjust annually.

An adjustable rate mortgage generally offers a lower rate than a fixed rate loan initially; however, it could adjust to a higher rate than the initial fixed rate mortgage would have been. An Adjustable rate mortgage, also called an ARM, is very good for a person that knows specifically how long they will be living at a specific residence. In other words, a person who knows for a fact that they will be moving in four years would benefit from a 5/1 ARM because they would be moving out of that home and mortgage prior to the first adjustment period.

Adjustable rate mortgage loans also have an adjustment cap and a lifetime cap. For example a 5/1 arm could have an adjustment cap of 2% and a lifetime cap of 6%. So in a worst case scenario, a 5/1 Arm with a 2/9 cap and an initial rate of 5% would stay fixed at 5% for five years. At the five year mark the rate could adjust a maximum of 2% to 7%, after another year it could adjust 2% to 9% and after the next year could adjust to 11%. 11% would be the lifetime cap and therefore the adjustable rate mortgage could not increase any more. If the rates go down however, the rate could adjust lower after any given year.

There is however a floor rate which is the minimum rate the loan could ever achieve. In other words if the loan started at 5% and the floor rate was 4% the interest rate would never drop below 4%.

The difference between a fixed rate and adjustable rate mortgage is the fact that a fixed rate loan may start at 6.5% instead of 5% so for the first 5 years one would be receiving an interest rate 1.5% below that of a fixed.

Where Can You Search For Madison Mortgage Company

Searching for the madison mortgage company online is the best option.

Is it your first time in buying a home? If yes then the first question that will come in your mind is which one would be the right Madison mortgage company. There are some things that you need to consider.

Purchasing a house can often be a difficult task and getting yourself ripped here might be very significant as it may have big impact on your future. You finances might get affected and you will even make wrong investments which will certainly not be favorable for you in the future. Hence, it is very important for you to make the right decision and select the most appropriate madison mortgage company to get loans. Mentioned below are some important criteria that can help you search for genuine providers.

The first thing that you should do is take help from the realtor. Ensure that you take suggestions from the realtor and certainly have a look at the recommendations provided by him/her in relation to the mortgage company. This will help you in getting the various loan options that are available and thus the concepts will be clarified. Since the realtors have been into this market since a long time then they will certainly be helpful to you as they know the best mortgage companies in the area.

At the time you are looking out for the Madison mortgage company that are in the market, another thing that you should do is look out for the ones that are based locally.

When you know about the many Madison mortgage company that are present, the next thing which you can do is you choose the one which is locally based. This is because only then you will be able to visit them and their office to see what they have to offer you with. With this you will also be able to see to it that the mortgage company you have seen is not at all unproductive. It is because then you will be able to know the different kinds of options which they will offer you.

The next and the less time consuming option which you can choose is looking out for it on the web. This is one good way to look out for the Madison mortgage company because here the information you would get will all be valid and true. In this way you can be assured that the company is good enough and can also give you right loans which you are looking out for. When you want to research on the web just one thing that needs to be remembered always is that you got to be a bit careful while choosing. It is with this that you may find right Madison mortgage company that can help you with good loans.

Top Philippine Banks For Ofw

A bank account is very important for OFW since it will be the account where the money will be sent from abroad. Opening a new bank account can be hard since you do not know which bank is the best for your criteria. There are really many banks in the Philippines so selecting one is not easy. In this article, you can learn which bank to use to send money to the Philippines.

1. Banco de Oro

Last year, Banco de Oro or commonly known as BDO held the highest portion of OFW remittances so it was named by Central Bank o f the Philippines as the No.1 bank of OFW remittance. BDO has services that it exclusively offer to OFW and their relatives like the Kabayan savings account with only P50 initial deposit with no maintaining balance as long it will be used for remittance. Just like other banks, BDO has Internet banking, phone, mobile and ATM banking across the country.

2. BPI

Recently, Finance Asia awarded Bank of the Philippine Islands as the best bank in the country for cash management in 2009. BPI is my choice bank for sending money to the Philippines. It has the best care fo its customer and very quick in responding to their client’s needs.

3. Metrobank

Metrobank is a famousr bank in the Philippines and listed as a public company in the Philippine Stock Exchange. Last year, it belongs to the top five remittance bank of OFW. It has a wide network of branches not only in the Philippines but also in other countries like US, European countries, Korea and Middle East countries. Many OFW likes Metrobank because of its good customer service and plenty of branches all over the country.

4. Chinabank

ChinaBank ranks fourth as the largest universal bank in the Philippines by market capitalization. It is a member of BancNet, a famous bank organization in the Phlippines. Chinabank has many services through its 388 ATM and 248 branches across the country. One good benefit of using Chinabank is you can transfer money to other bank members of BancNet with just small transfer charge.

5. Union Bank of the Philippines

In the Philippines, Union Bank ranks seventh in the largest banks in terms of assets. It is a public bank listed in Philippine Stock Exchange. Union Bank is a partnership among the companies and government institution in the country. With its wide range of services, many people and OFW find Union Bank a good choice for banking and remittance purposes. You can send money to the Philippines using Union Bank by PayPal, through remittance partners and by bank to bank wire transfer.

Choosing a bank for remittance purposes depends on your needs. Almost all banks offer same services but you need to determine those which are customer-oriented and responds to client’s problems quickly.