Students Of Success

Speaking to large groups involves learned techniques and practice, practice, practice. If you haven’t stepped to the podium, you can. If you have been a featured speaker, you can get better.

“A good presentation is about the topic–not you,” says T. Stephen Eggleston, founder of The Eggleston Group in Alexandria, Va., and director of Internet Technology for Kobrand in New York. “Get rid of everything that doesn’t contribute to the message.”

Tuck away the stomach back-flips and get busy on your presentation. Here’s how:

Begin with the obvious: Know your subject. Some speakers overlook this basic point and quickly come unglued during the question-and-answer period. The audience assumes you’re an expert with knowledge to impart. As the featured speaker, you should assume that your audience is informed, curious and bursting with pointed questions.

If a small amount of research will help you, imagine what a moderate amount will do.

Know your audience. You wouldn’t make the same presentation about a new software package to engineers, accountants and top managers. The engineers want to know about the tool’s whizzes and whirrs–what it can do for them and why it beats competing products. The accountants want to know what it will cost and how it will save them money. Top management wants to know how it will boost productivity and give the company an edge over the competition. So adjust your pitch as needed.

Develop a theme for your presentation. The topic of discussion may be complex, and its ramifications may not be fully apparent, but you’ve got to sum it up in a few short sentences. At the beginning of your presentation, you must tell the audience: 1) “You need to know this because…,” 2) “Knowing this will help you to…” and 3) “Here’s what you need to know…”

After defining the focus of your presentation, you’re ready to draft an outline. Remember, you don’t want to read a script to the audience because doing so is a snoozer and an insult. To connect with the audience, you must be animated and enthusiastic about the topic.

For some, notes scribbled on 3-by-5 index cards are enough, while others need more detail when outlining. Don’t try to memorize your presentation, because even if you don’t sound like a robot on a bad hair day, you’re bound to stumble or skip a portion, and going back to the missed material will be awkward and disjointed.

The presentation should be simple and direct. It includes an opening, body, summary and closing.

“Some say you should always begin with a joke or an anecdote,” Eggleston says. “It’s not a rule, and if it were, it should be ignored.”

The opening sets the stage for what’s ahead. State the purpose of the presentation and quickly summarize the main points to be covered.

The body of the presentation covers the nits and grits of the topic in detail. Break the issues into discrete parts that the audience can easily understand. Each subsection should make a single point.

Keep the summary short. This is where you underscore the presentation’s theme and key points.

After a question-and-answer period, thank your audience for their attention and hand out any material that wasn’t vital to the presentation. In general, material handed out during the presentation is a distraction and will weaken the impact of your talk.

Remember two critical points when preparing a presentation.

First, take Henry David Thoreau’s advice and “Simplify, simplify.” It’s your job as speaker to translate complex details into simple, direct sentences.

Second, follow the advice of broadcast editors everywhere: “Tell them what you’re going to say, say it and then tell them what you’ve just said.” Repetition needn’t be repetitious. Reinforcing central points of the presentation depends on your skill as a speaker and takes practice. Getting it right is the difference between an effective presentation and wasting the audience’s time.

Slides can be a key element of a solid presentation. Keep in mind that slides are bullet points–not paragraphs. If you have to say, “I know you can’t read this, but …” you’ve flubbed it. In most cases, limit each slide to two or three key points expressed as succinctly as possible.

If a member of the audience nails you with a question you can’t answer, don’t be afraid to say, “I don’t know. I’ll have to look that up and get back to you.” Thrashing around for an answer–any answer–will be obvious to the audience and instantly kill your credibility.

If you’re confronted with a heckler who won’t shut up, say, “Let’s talk privately at the conclusion of my presentation. There are others with questions I must get to now.”

The foundations of a solid presentation are the same whether you’re speaking to a service club or a giant like Exxon Mobil, eBay, and JPMorgan Chase.

Finally, remember that no matter how detailed your preparation, things can still go wrong.

“You never know what will happen,” Eggleston says. “The extension cord for the projector won’t be long enough, there won’t be a plug or the bulb will burn out. So no matter how carefully you’ve prepared your visuals, always be ready to sing a cappella.”

Manik Thapar (MBA)

http://www.careerpath.cc

Is Terrorism a Part of Globalization? In the world today, there
is a growing trend in violence, both domestically and
internationally, in the form of terrorism. It is present in our
everyday lives and in every part of the world–some more than
others. Terrorism takes on many forms and has had an impact on
all our lives in one way or another. Whether it affected us
directly with the loss of a loved one or an incident we were a
part of, or indirectly by heightened security at the airports
causing delays, sudden drop in a stock values we own, or
emotionally by the countless reports and images displayed by the
media, terrorism has affected us all and shows no signs of going
away anytime soon.

The underlying question then, is what has caused the sudden trend in
terrorism? Has it always been around but just not focused on
by the media, or has something taken place on a global scale
causing the sudden trend? There are many groups and a magnitude
of theories on the sudden trend of terrorism.

Political scientists worldwide are at the forefront of this
investigation. Amongst this group are many differing opinions
and theories. One popular theory used to explain the sudden
trend in terrorism is globalization.

There is another idea that there is an association between
terrorism and globalization - groups which commit terrorism from
areas where little globalization has occurred leading to a third
association between terrorism and globalization, known as a
“North-South” divide. The countries of the North (i.e. United
States, Canada, and Europe) are more developed than those of the
South (i.e. Africa, South America, India) and since 1980 the
economic gap has spread apart tremendously during the
accelerated globalization phase. As this gap has spread,
westernization or forced norms have taken place. This is due to
the fact that organizations, mostly commercial, have moved into
these southern areas for production purposes. Many poorer
nations are now feeling the double punch of a slowing global
economy and political unrest at home. They want rich nations to
open their borders to exports of agricultural commodities,
textiles and steel. But rich nations, including the United
States, aren’t in any mood to do this - the best way to fight
terrorism over the long term is to give young people in poorer
nations a reason to believe they can make it in the new global
economy.

Globalization is also creating enormous economic, political, and
cultural losers who have some idea of how the winners are doing
which creates more fertile ground for terrorism by exacerbating
ethnic and cultural conflict.

Interested in this subject? Try this link for more of the same

One of the questions I often get asked as a sales coach by sales people and business owners alike is, “How do I close sales better? What closing techniques would you recommend?”

In my experience, closing is one of the three most feared areas of the sales process. The other two are fear of canvassing and fear of objections. But the real question is, what is it about these three that creates such a fear? Especially, when even some of the most successful sales professionals face challenges in one or more of these three areas. The answer is simple - fear of rejection. Humans are social animals and the fear of rejection is one of the primary human drivers so it takes a different line of thought to face this issue. Mere techniques will not suffice.

There are books about closing with hundreds of different types of closes in. Some are great examples, some are awful but all of them have one thing in common. They are just examples. They are often not usable as “off the shelf” solutions for your sales scenarios because they each represent a model and that model only works if the person you are dealing with is “running” a similar model in their personality and if your situation is nearly the same too!

Now, I am not saying don’t study about sales. Infact, quite the opposite. I do recommend that you read everything you can about sales and human communications because you will learn more about sales and communications in that way than from virtually any other. What you learn however may not always be what the author intended as you should be a student of human behaviour and influence, not beholden to any one particular book! When Bruce Lee studied kung fu he took the best of each style of kung fu and designed a new art which had no set forms and changed to be the most effective for each and every situation. A good sales professional will be aiming to achieve the same.

The first tactic for achieving a better close ration is to change the words that you use. Why not “ask for the business” or “take the order” or “provide a solution” instead? These words don’t create the same fear. I have tested this on dozens of sales people and removing the word that the fear is associated with removes the fear too. If anyone has read Anthony Robbin’s material he describes how you can only experience feelings that you have words for and that words only have the meaning that you ascribe to them. He describes how, because the quality of snow is important to their survival, eskimos have dozens of different words for snow but we just have sleet and snow. Their experience of snow is different than ours and we cannot comprehend that because we have no words to describe it.

Secondly, it is important that you start with the end in mind. Whenever you go to a meeting or make a call think through it in your head first. Think about what outcome you want from the meeting or call and think through the possible ways this might occur. Think also of what the minimum outcome is that you are prepared to accept from the meeting or call. When you have built rapport, asked questions, uncovered your clients’ needs and provided a solution it’s only natural to ask for the business. After all, you have provided a solution so asking for the business is the next step! Why would you accept less than your minimum acceptable behaviour from the client?

I once worked with a talented sales professional. He made fantastic cold calls, built elegant and effective rapport and uncovered client needs effortlessly but he did little business. In a short coaching session I discovered that he disassociated the sales process from “closing” hence he would “do the meeting” and then think, “Oh dear! Now I need to close!”. Cue panic. His customers could see it and the sale was lost, every time. He was in “sales” mode and they were resisting and he was a nice guy so it was easier to walk away than risk rejection or upsetting the client! Simply by viewing the sale as one seemless process with a natural conclusion he was able to see the “timeline” and “path” of the sale. If the client deviated from this he was able to maintain control and bring them back on track. He achieved a sales breakthrough literally overnight.

At this point, I might add that you must remain flexible. There will be times when you cannot make the sale for unexpected reasons. On these occasions, it is important that you assess your performance objectively. Ask yourself whether next time you could ask better questions to uncover the unexpected situation earlier. If the answer is “no” then reset your objective for the meeting. If the answer is “yes” then take on board what you have to learn and reset the objective for your next meeting. But, and this is very important, always remember to set a new objective for the meeting.

When was the last time you heard this conversation:

“How was the sales meeting?”
“Great”.
“How did you get on?”.
“Oh, great I think he / she will use us!”.

My next question for you is, “So what’s the next step?”

This should have been agreed, with time-scales with the client. If it hasn’t then you haven’t reached your objective. Maybe this was because you didn’t set one or you didn’t achieve it but this sales meeting was not “great”!

Lets face it, you work hard to find clients and get that all important meeting with them and you listen hard to understand their true needs not your perceived ones. When you provide a solution that matches their needs they are expecting you to “ask for the business”. When this becomes a relaxed, natural part of the meeting you will achieve more and effortless sales.

For the last 10 years, Gavin Ingham has been helping sales people to explode their sales performance by turning self-doubt, fear and lack of motivation into self-belief, confidence and action. With his inspirational approach to sales performance and motivation Gavin combines commercial experience, personal excellence and communications technologies in delivering personal and business sales success.

Visit http://www.gaviningham.net now to join Gavin’s free monthly newsletter packed full of sales secrets, strategies and tactics. Join now and get Gavin’s ground-breaking 9-part objection handling course absolutely free.

The toil of frequenting a meat space casino should suffice to give up on it altogether. It’s not required to leave the comfort of your home to have a go at online video poker simply because it can be easily accessed from your domestic environment if you have a working computer and, obviously, a functional Internet connection. Though allowing for this, I’d recommend you go on reading for there are a number of suggestions which you need to appreciate in regards to online video poker, the more so if you’re still green.

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The top priority which a bright internet plunger like me will be certain to check out is an online video poker web site of the category that is prepared to guarantee top odds. Make sure the online video poker web site is evaluated by a secure and honest certified public accountants firm in order to inspect their wagers pay-outs consistently. Always be sure to ensure the online casino gaming web site is licensed verifiably, such as by looking for the ministerial license on the webpage. If it’s not possible to track down any ministerial license on a particular online casino gaming web site, don’t even think of gambling on that site.

Further advice would obviously be to place your wager initially in negligible amounts in lieu of dole out big amounts of money off the cuff. First thing, check the status of the online casino gaming organization rather than going for any serious adversity- the more so in regards to money… Finally, here is another notable word of wisdom in regards to online gaming. It is bound to be to always remind yourself that online wagering is about amusement rather than big bucks. Casino wagering is certainly no vocation, but, instead, a leisure pursuit which should help you become bright and life as a whole pleasant. And now, having gone along with these recommendations, set out to succumb to the pull of online casino gaming.

Santa Clause comes to us with several names. For some he is know as Saint Nicholas, and for others Father Christmas or quite simply Santa. While people interchange Santa and Father Christmas from an historical perspective they are two different persons.

It was Saint Nicholas of Myra, who lived in the 4th century in what is now modern day Turkey, who gave birth to the modern day Santa Clause. As bishop he developed a reputation for secret gift giving.

In the Western tradition the day of gift giving is on the 25th December while in the Eastern tradition the day for gift giving is New Years Day.

Most of us see Santa as a friendly, pot bellied sort of character who rides from house to house, through the sky, on a sleigh pulled by reindeer. It is possible that the tradition of ridding through the sky comes from a Germanic tradition where the god Wodam is seen riding a flying horse through the sky. The horse has eight legs, the same number of reindeer that Santa uses!

While Santa is portrayed as a jolly man giving out present to deserving children he is also used to keep children in check. Traditionally Irish children, and a large number of their European and American counterparts, hang up a stocking for their gifts but are told that if they are not good all year round, they will receive a lump of coal instead of a decent present.

In most traditions food or drink are left out for him to help him on his journey. In Ireland it is traditionally a bottle of Guinness, in America cookies and a glass of milk, in England he receives mince pies and sherry. No wonder then that he is perceived as a happy pot bellied character!

How then did St. Nicholas make the transformation from a bishop to a jolly old man with red cheeks. The transformation did not happen all at once but over a period of time and goes back before the American revolution to the time when the Dutch controlled what is now New York. When the Dutch arrived in America they took with them the legend of Saint Nicholas, at this stage he still dressed as a bishop.

In Washington Irving’s History of New York, Sinterklaas was Americanised to “Santa Claus” but lost his bishop’s apparel, and was at first pictured as a thick bellied Dutch sailor with a pipe in a green winter coat. Irving’s book was a lampoon of the Dutch culture of New York, and much of this portrait is his joking invention.

Santa Clauses robes changed over the years until in 1885 the modern costume was born. At around this time his horse was converted to reindeer and a sleigh, his slaves into elves and the date was moved forward to coincide with Christmas.

For those interested Santa’s eight reindeers were given their name in the popular poem by Clement Clarke Moore ‘the Night Before Christmas.’

Kevin Hart
http://www.christmas-worldwide.com - the family site for Christmas. http://www.abcwritersnetwork.co.uk - an invaluable resource for creative writers. Large data bank of writing contests.

Many marketers and product developers make a disastrous mistake:
They develop and sell products that nobody wants.

This is usually how it goes: The product developer starts
programming software or writing a book, just because he is
interested in the subject, without looking at the market. Then
once the product is ready, he starts promoting it, just to find
out he can make no sales.

There must be a better way. Let’s look at how it should be done
instead.

You should always create a product that solves a problem. The
problem has to be serious enough for people to want to pay for a
solution to their problem. Good examples are: People who are
overweight are willing to pay for a solution to that problem.
People who suspects that their husband or wife is cheating on
them are willing to pay to find out. People who can save a lot
of time by automating a time-consuming task are willing to pay
for the saved time.

So here are the simple steps to creating a successful product:

1. Identify a common problem There are many problems that need
to be solved in this world. The problem has to be a common one,
so that enough people need a solution to this problem. And the
problem has to be important enough so that people are willing to
pay for a solution

2. Provide a solution to the problem This is the product
development phase. You have to solve a product that actually
solves the problem that these people are experiencing.

3. Find people experiencing the problem This simply means that
you need targeted advertising. Where to find your target
audience will depend on the specific problem. Maybe you will
find them on search engines. Make sure that your keywords are
very specifically targeted at those who experience the problem
you want to solve. Or maybe you can find your target audience in
certain communities, such as online forums or self help groups.

4. Prove that your solution works Once you have found your
target audience, they will only be willing to buy your solution
once you prove to them that your solution actually works. The
proof can be social proof (such as testimonials), or it can
consist of examples of the results. If you are selling software
that removes red eyes from photos, the proof can consist of
before and after pictures.

That is really all there is to it. Follow the simple steps as
outlined above and your product is a guaranteed success.

All the varieties of firms, including restaurants, should wish to consider thinking of getting public liability insurance. A enterprise might often want this type of protective insurance to cover a variety of situations including a customer tripping over an ill-fitted floor lining on your business premises. Public business liability insurance will cover all legal charges and compo awarded to a member of the public that has received a broken arm & damage caused by you or your business.

Organisations who desire to secure a public liability insurance cover may review the T’s and C’s as many may void the insurance claim if there are certain situations. The very best advice to do is to examine with the insurance advisor the policy in detail.

Insured Risks are an awesome company which provide public liability insurance at outstanding prices. Having insurance is not a strict condition for all companies, still many government firms can require you have liability insurance in order to make available the services to them. Insured Risks make available protective insurance levels of up to 3 millions pounds, & is perfectly suited for small businesses such as cleaners, or possibly large corporations such as marketing agencies, Looking for a business insurance quote? Contact Insured Risks for Business Insurance.

Public liability insurance will often help to reduce risk if you are running a small business. The law does dictate that if you cause damage to someone else or maybe their business property then you might often have to pay the cost of damage. Public liability will protect your organization from going down the drains if the worst happen.

In the army, we called it preventive maintenance. After I retired from the Army I spent some time as a truck driver and truck driving instructor for one of the largest trucking companies in the United States. They were big on preventive maintenance as well. Later I owned my own truck, and took what I had learned and made it a part of the way I ran my business. It’s paid me back many times in NOT being broken down by the side of the road, NOT having to pay for major repairs, and NOT having to wonder if my vehicle was going to do something nasty on a long trip or a run to the grocery store.

I think it’s fair to say that most of us realize that preventive maintenance, rotating tires, changing oil, checking the battery and the cooling system, is the most important aspect of car ownership that prolongs the life of the vehicle and cuts maintenance costs.

However, of all the preventive things we can and should do to keep our car running efficiently and perhaps improve the retail value, there is one act which is consistantly recommended by car care specialists. Regular oil changes.

Long engine life depends on regular oil changes, and the engine itself is one of the most expensive components to replace or repair. The oil within the engine does not simply lubricate moving parts thereby saving direct wear and tear by friction. The oil within the engine, at its most efficient, helps provide a cooling function. This is very important for long engine life, as heat is the great destroyer of most machines, including the engine in your car.

Oil breaks down over time. Simply put, it loses its ability to lubricate the moving parts within the engine. This allows wear and tear through friction and breakdown of seals and other components through heat. In addition to the normal breakdown of the oil, it also becomes contaminated by things such as dirt or antifreeze. Even the additives in oil, which are there to improve its performance, gradually begin to breakdown themselves.

As the oil and the contaminants begin to lose their original ability to lubricate and cool the engine and its parts, they begin to form sludge that begins its own wearing process as it also impairs the efficiency of the engine.

Severe types of driving take their toll as well. You don’t do any driving under severe conditions? Here’s a surprise. If you do a lot of stop and go, short trips to the store or mall, or drive in cold weather, you are driving your car under severe conditions. Even a car parked for a long period of time is subject to oil contamination due to moisture accumulation.

The usual recommendation once was to change your engine oil every 3 months or 3,000 miles, whichever comes first. This is still a reasonable rule of thumb, but if you do drive under severe conditions, you may want to consider changing oil a little more often, and always change the oil filter as well. You should check your owner’s manual to determine what the manufacturer of your car recommends.

Make sure that you are using the correct oil for your vehicle. The type of oil required should be listed in your owner’s manual. If you don’t have an owner’s manual, a call or visit to a local automotive parts store or garage should turn up the correct information. While many prefer certain brands of oil, the brand or price is less important than the frequency of the oil changes. The idea is to change the oil before there is a chance for breakdown of the oil. If you think you might go too long between oil changes, you might want to use a synthetic motor oil, as these tend to retain their lubrication affect longer and more evenly than standard petroleum based motor oil.

While this article is fairly specific in nature and deals with mainly one item in a vast range of maintenance points, you can learn more about oil changes and other maintenance issues by visiting such sites as http://www.aoca.org/, the web site of the Automotive Oil Change Association.

Regular oil changes, and this includes changing oil filters as well, are probably the most effective means of prolonging the life of your car, and its value as well.

The author is retired from the Army after 21 years of service, has worked as an accountant, optical lab manager, restaurant manager, over-the-road longhaul truck driver and truck driving instructor. He has been a member of Mensa for several years, and has written and published poetry, essays, and articles on various subjects for the last 40 years. His experiences as a longhaul truck driver who owned his own truck led him to follow-up on various methods of saving money on operating costs while prolonging the life of his equipment. You may learn more on this subject at http://lube2005.com

A single-parent rose from obscurity in 8 years to become today the greatest woman celebrity, the richest woman (even richer than Her Majesty, the Queen of England) in the U.K, all through the power of imagination expressed through the power of her fingers!! She held the world spell-bound (270 million copies of her books sold so far).

Publishers, Film-makers, Agents, musical artists, youngsters and parents are all feeding from her fingers.The stocks of publishing companies rose in obedeience to her graceful fingers. A treasure, dug out of the obscure cafes of Edinburg! A pen of destiny, buried under a series of personal misfortunes, wrote and waited for seven years, before discovery.

I am talking of the one, and only creator of the ‘Harry’ that smashed every available ‘Potter’s’ vessels. I mean the one who broke the global box office records- Ms. J.K. Rowling, who conquered and arrested world attention in order to teach the the world the greatest lesson of all times i.e: ‘THE MEEK SHALL INHERIT THE EARTH’. Fame sought her and refused to fade! Grace lifted her from shame and refused to be erased!! Stigma saw her, got unstuck, and took flight after her wedding in 2001!!!

Can a person be enthroned but refuse to reign? All hail ‘Mummy Jessy’, the sceptre of thy kingdom is the sceptre of HUMILITY, and unto thee shall all thy people bow! I have long ago, in my literary race, learnt to line-up with the Father of creativity- GOD ALMIGHTY, I line up with the creator of your resillient virtues!

What others, in her position, would rather relish and rollick in, is what our sister found great displeasure in. The harder she sought anonymity, the greater she gained celebrity status and fame. Hear out her ‘heart-kicks’: “one of my regrets would be that I will never again have the pleasure of sneeking into a cafe, any cafe I like, sitting down and diving into my world, and no one knowing what I am doing, and no one bothering about me, and being totally anonymous, that fantastic”

You don’t sell 270 million copies of 5 books, interpreted into 62 languages, including Chinese, and not expect your craving for anonymity to be torn to shreds!

Talking of records; never in publishing history has the first print run of a book amassed up to 10.8 million copies. Never also, in publishing history has 9 million copies of a book (I mean, her latest and 6th serial) been sold on the first day of its release!

The movies from her first three books havs grossed in over $2.6 Billion Dollars. In fact this terrific author, having no other records to break, behaved true to type - begun like the skillful ‘Potter’ that she is, to smash her own ‘pots’ to pieces, for better vessel than she had ever created.

‘Pottermania’ has entered into the lexicon of the of the entertainment industry. The multi-million Dollar licensing deals for Harry Potter products testified to this. Films, stamps, cauldren, glasses, wands, caps, cotumes, musical albums… all give trademark endorsements of the terrific imagery conjured from the mind of this humble genius called J.K. Rowling.

To the skeptics who speculate the death of the Harry Potter brand in the next 3 to 4 years, I have this to say: half a century to come this classic would still occupy a prime place on bookshelves and bookstores. To imagine the death of her works is akin to speculating the death of CREATIVITY. God will spare her of their evil imagination.

Aderemi Ojikutu (Aderaskeey) is a Motivational Author and Youth Mentor. He is a minister of the Word of God. A political economist and political leader. He is President of the TREASURE WRITERS CLUB in Nigeria(http://ryze.com/go/Aderaskeey). He is also the current President of the National Democratic Forum (N.D.F). He was National Mobilisation Officer of the National Association of Nigerian Students (N.A.N.S) for several years. A revolutionary of over two decades, he was also the political secretary of the defunct Nigerian Labour Party in 1989-1991.

You’ve heard of life insurance, where you get a payout if you die, but what is this ‘Whole Life Insurance’ term that gets bandied about? Put simply, whole life insurance is insurance that stays in place for the entire duration of your life. The only thing you have to do to guarantee that it stays current is to keep up with the premiums scheduled by your company.

A whole life policy will pay out the agreed amount no matter when you die, and it will also increase in value over time. Sounds pretty simple thus far, and indeed it is. Whole life policies have a little extra built in when compared to other policies however, in the form of dividends.

Dividends become payable if insurance business is good, and if the policies are being drawn on as expected or at a lower rate than expected. Basically, if not too many people are dying, and the company is making plenty of money, then the company will pay some of the premiums back to the policy holder.

You don’t usually get to spend this money as cash however, it can normally be used only to pay for term insurance, in the purchase of more insurance, or to cover your premiums. However, unlike other insurance policies, it can often be borrowed against as the investment grows.

These policies tend to be more expensive than other forms of life insurance, like term insurance which covers you only for a specific period of time. In fact, whole life insurance will tend to cost you more than it will pay out in the first few years, so it is worth taking a realistic look at your own likelihood of mortality before investing in these types of policy.

Whole life policies offer a superior level of cover and security, but it is security that you will definitely be paying for. Whether or not this type of policy is for you will depend very much on your personal situation, and your willingness to invest early for maximum benefit.

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