How To Qualify Leads And Prospects

To make the correct judgement, you need the essential insights, and this is what it means by “qualify”. If you are not selling the product or service to the correct lead, you will end up wasting a lot of money, time, energy and resources. So what you should do to qualify leads and prospects? How will you know whether a prospect is fit for your offer? Will the lead ultimately lead to a sales opportunity?

You should invest your money and time only after qualifying someone. Only then you should start selling the service or product to the prospect.

If you are not quite experienced you will jump at the given opportunity without properly studying the prospect. What happens here is you are trying to selling something on an assumption without the proper background check. It may or may not culminate in sales. Only mindless salespeople will do this kind of marketing and they will end up losing their energy and time chasing wrong leads.

Instead of talking all the time, try to listen to your prospect. Then you will understand whether he/she is a qualified prospect. If you listen to them your chances of selling will be much higher.

Spend time on qualified prospects, and you’ll achieve significantly more costly deals.

Even if you get a qualified lead you must put in a lot of effort to make him/her your customer. You must know all about your valuable prospect or else you will miss an opportunity to sell your product or service to them.

If you end up selling a product to a wrong customer or to people who should not have bought your product, it is not just bad for the customer but bad for you and your company.

To find a quality lead you must know how to evaluate a prospect. For instance, you must know what their drawbacks are. How have they evaluated your solution? What type of an organisation they belong to? These details are essential to personalise your pitch for your prospects.

Know their pain points and also about their organization and personality. If a salesman is not able to close a deal it shows that he did not know all the important details about his prospect and hence he did not properly qualify as lead.

Ask as many questions as possible to your customer and gather the correct information. There are certain qualifying questions which every salesman should be aware of. We list out the most important ones.

Customer profile

A prospect should match your ideal customer profile. How big is the company? What industry are they in? Where are they located?


You must know your customer’s needs to qualify the prospect. And you should know how to fulfil their requirements and requests. You should have an idea what result they are aspiring for, and how the result is going to impact their company or team.

Decision making process

You should also know how they make decisions and how many people are involved in the decision-making process. Are they impulsive buyers or do they take time to buy products?

For instance, some companies take almost a year to purchase products. But if you have a sales target to achieve in the next four months then they are not your qualified prospects.


It is said that you should keep your friends close and enemies closer. So you should know about your competitors. You must know whether the lead has worked with any of your competitors and also what are the decisive factors on which they will base their decision on.

If you are informed of these things, you will be able to easily find out whether he/she is a qualified prospect or not.

What Good Is the Economy in the Light of the Environmental Destruction It Causes?

While politicians stand up for the economy and promise more jobs, better services, and so forth the bottom line is they are the ones sanctioning the destruction of the environment. The timber industry in Australia employs hundreds of loggers, machinists, carpenters, drivers, and others, including all the office workers and so on. It also targets forests where animals are dependent on the habitat and food they provide and the earth depends on the oxygen and removal of CO2 from the atmosphere.

The Fishing industry depends on trawlers and all the associated workers but the oceans are being depleted at such a rate that it is unsustainable. Likewise, in Australia especially, the agricultural industry is fighting mining companies who have access to their land and are changing the quality of the previously beautiful countryside.

Along with growing costs and other hardships, including global warming with increasingly stronger winds, storms, and erosion the future of the world is bleak. Yet, politicians are promising more jobs and an improved economy as a reason to vote the government back in on July 2nd.

One needs only to look at the prophecies in the Old Testament to know that we are in the last days. The signs are unmistakable as the earth is reaching capacity in terms of population, depletion of natural resources, and climate change. As the population increases the land mass is decreasing and, along with everything else, the pressure on the environment is reaching saturation point.

With memory of my reincarnation and knowledge that everyone is back none of these things are a surprise. This is borne out by the size of the population while those who care little for the environment are rushing headlong into catastrophe. Making money is their chief concern and they will do that at the expense of everything else.

Politicians who are promising more jobs and a better lifestyle are disillusioned because it can’t happen. Nature has virtually given it’s all to bring mankind to this point and whether the earth survives after man is removed from it matters little in the long run. Our solar system is full of dead planets and the universe continues.

Its size and depth of the cosmos is unknown and it contains zillions of planets, stars, moons, comets, black holes and everything else and the Spirit of the Universe oversees it all. Man, on the other hand, is focused on money as his main god and the false gods of religions that are leading us to the end. Environmental destruction is not a price we will pay but the plan of God coming to fruition.

Why Are Millennials Abandoning Big Banks and Turning to Credit Unions?

Millennials (those who are between the ages of 18 to 34 in 2015) are ditching their big banks and becoming members of credit unions. They want the convenience and technology that the big banks can offer but they also want to make sure their banks are paying attention to their needs, by offering customer-friendly service and simple, straightforward solutions that they are demanding.

Millennials know exactly what they want from their bank and everyone is chasing this potential new member. So, understanding their perceptions and needs will help credit unions compete for this sought-after audience.

Below is a closer review of some of the reasons why millennials are scrapping their banks and joining community institutions:

They are seen as more customer-friendly and can answers questions directly regarding financial security. They are very helpful when it comes to imparting information regarding car and home buying by offering members education services and solutions that are easy to consume and utilize.

Qualifying for a loan will be easier, because their requirements are not as rigorous. While banks tend to turn away millennials with a low credit scores, they roll up their sleeves and make it happen.

These younger members crave more high-touch and want to make sure someone is paying attention to their needs. They want to know there is a real person on the other side of the phone and get their questions answered quickly. They want it when they want it and how they want it.

Mobile banking is a necessity. Millennials manage their lives on the go so it is important that credit unions deliver a smooth and instinctive mobile experience.

Millennials are intuitive consumers and they quickly find deals and share opportunities including rates on car loans, credit builder loans and student loans. Maintaining the lowest and best terms will give the them a greater appeal over a traditional bank.

Credit Unions are superior in focusing and competing on financial health. Millennials view them as a trusted resource for financial advice and a partner that specializes in member service.

Millennials are also saying bye bye to their banks because of ATM-related reasons. There is either not enough of them, inconveniently located or high fees associated with using them.

There is a natural alliance between the values of Gen Y and the mission of credit unions. These modern consumers do not follow the financial path of their parents. They want to encounter a high-touch, high-tech brand experience by discovering the human side of banking provided by credit unions. By focusing on this age group credit unions are learning and adapting to ensure they are on the cutting edge of the banking technology.

The Security Intelligence in The Financial Services

Security intelligence is the data related to safeguarding an organization from any outside and inside threats along with the processes, and policies developed to accumulate and evaluate the information.

It can also be referred to as the actual collection, standardization, and analysis of the data created by users, applications, and structures that influence the IT security and risk position of a business.

On a daily basis, information flows in organizations for the senior management to make smart decisions. The various stakeholders (employees, customers, contractors) are interfaced through various technologies.

However, the technological infrastructure can also result in serious security issues. The probable areas of intrusion are unlimited. Security experts and business leaders are trying to find an answer to the question – Is it feasible to have a robust security in an increasingly interfaced environment?

Though the answer is yes, it needs a radical transformation in processes and practices encompassing the financial services sector. The focus is not only on IT. Robust security facilitates a positive customer experience.

Cybercrime and Profitability

Financial institutions are at great risk since they are perceived to be an easy target for cybercriminals. According to a survey by IBM, “Financial markets, insurance, computer and professional services together account for over 40% of all security incidents worldwide.”

The losses, pertaining to cybercrime in other sectors could be due to industrial intelligence and fraud related to intellectual property, but in banking, online fraud is a possibility.

Any fraud related to the intellectual property and industrial intelligence could lead to reduced shareholder value, shut down of the business and net financial losses. These are the issues impacting the global financial sector, not only because the main reasons are not identified or the disruption to the customer is immediate, but also because they can result in a significant loss of money.

As per Andrew Haldane, Financial Stability Director at the Bank of England, “Cyber-risk has become a more pressing concern than economic depression and the Eurozone crisis, as it is a rapidly rising area of risk with potentially systemic implications”.

Comprehending the seriousness of the security risk is only a beginning. Financial institutions must establish an in-depth security intelligence strategy that would enable the financial institutions to have an insight into the perceived threats.

Financial institutions leverage top-notch analytics to get an understanding of:

The types of attacks that are occurring.
The probable source of the attacks.
The technology used by the cyber criminals.
Weak spots that could be exploited in the future.

Michael Davison, Banking and Financial Markets, IBM, stated,” There’s not another single issue that unites the interests of so many people at senior levels of banks. It unites technology, the CFO, security and compliance functions. But cybersecurity is also mission critical for people running lines of business and who are running P&Ls. So quite rightly it sits on the Board agenda. But there’s still work to do to educate Boards about the urgency of an effective response to the rapidly changing environment.”

Financial institutions must implement the following practices to get the balance between the required innovation and the related risk:

Establish a risk-conscious culture

An organizational transformation with an emphasis on zero tolerance towards a security failure must be established.
An initiative encompassing the organizational hierarchy to execute smart analytics and automated response competencies is needed to identify and resolve issues.

Safeguard the Working Environment

The functions in distinct devices must be examined by a centralized authority and the wide array of information in an institution must be categorized, tagged with its risk profile and circulated to the concerned personnel.

Security Design

The greatest problem with the IT systems and the unnecessary costs is from executing services initially and looking at security afterwards. Security has to be a part of the application from the first phase of design.

Ensure A Safe Environment

If the system is secure, security personnel can monitor every program that’s functioning; ensure it is ongoing and operating at optimal level.

Manage the Network

Organizations that route approved data through controlled entry points will be in a better position to identify and separate the malware.

Cloud Based Security

To prosper in a cloud scenario, organizations should possess the technology to operate in a secluded environment and track probable issues.

Involve Vendors

An organization’s security strategy must also involve its vendors and efforts must be made to establish the best practices among the vendors.

Financial firms have been a major target for malware attacks. Several aspects are impacting the financial sector. The direct connection between the breach of several personally identifiable information (PII) to the profitability has not been lost on the global financial stakeholders. This has led to the implementation of several global security projects.

A hazardous type of malware for online financial transactions is “Man-in-the-Browser” intrusions. It happens when a malicious program affects an internet browser. The program adjusts activities conducted by the user and in some instances, can initiate actions independently. It could lead to online stealing.

Financial institutions that can transform radically at a fundamental level, the way they function would be safeguarded.

The aim of enterprise security could initially emphasis on IT structures, it must be extended from the technology personnel & their systems to each individual within the organization, and all the stakeholders conducting business with it.

Financial firms must comprehend the data that they have, which must be made available to the system, where they can compare and develop a real understanding of the actual threats and contingencies that may compromise the business.

The Folly of Money and the Ungodliness of Nations

Leaders who purport to be doing the work of the people are instead lining their own pockets and achieving status that suits their ego. This is the way of the world and democracy feeds into it. After my reincarnation and with knowledge of the extreme corruption and the depth of misconceptions that make the world the realm of 666 astounds me. The inability of people to test things is a source of amazement and the reason they are successful.

With the Australian elections now over and a hug parliament likely the recriminations of politicians against their opposition is horrendous. Instead of blaming their poor governing kills the Prime Minister targeted the campaign of the other parties and nominated the facts they produced as lies.

The elections in the USA are shaping up to be similar in their character with the blame game already taking aim. While money is at the heart of the world’s problems it is also the target of these politicians. Who is the best financial manager and who can create wealth for the people seems to be high on the list of many voter’s priorities.

What they are missing, however, is that money is an invention and highly manipulated by economists who learn the skills through tertiary education courses. Spiritual power, on the other hand, is not learned but something we are born with. That means that the Spirit is the only guide and everything that happens occurs on its watch.

In the Old Testament prophecies there is no room for money and it is never mentioned because it was the work of Constantine, the Emperor who established the economy. In Revelation 13:13-18 he is described as the one who established the Catholic Church and who invented Jesus Christ. He stole the old term for ‘spirit’, which is ‘Jesus’ and gave it to his image, which is why it has power.

He forced everyone to worship his new god and he reinstated Mary, the Mother God of Babylon, as the Mother of God and the chief God over the world. It is the sun and the symbol that sits over all religions is the sun-star of Islam. It is from Babylon that they came about and Constantine has the number 666 (Revelation 13:18).

Because people are besotted with money and dream of an eternal life in the sky they cannot see or perceive their folly. The facts are everyone who has lived is back in bodies at this time (Isaiah 26:19) and reincarnation proves that heaven and hell are myths. There is only one real God and that is the Spirit of the universe (Isaiah 45:4-8) and it is now judging the world and removing the evil from it.

The Internet is the Mountain of God promised for the last days (Micah 4:1) and it is spreading the truth over the world. Everyone has access to it and God is speaking to them (Jeremiah 25:31,33) and explaining the controversy it has with the nations. Only the spiritual have the power to listen and learn from it as the rest will absorb the lies and stick with them.