MONEY & MUSIC - THE ASSUMPTION OF YOUR CONSUMER

Cool V- Would like to give you the "Best TIP EVER" It's simple yet most of of us do this everyday! Stop assuming your consumer! If you truly want to get someone's respect you got to work a lil harder than a sales pitch to gain/instill their trust if you want them to "Truly Care" this means stop forcing your brand or opinion on them. Relax let them see the quality of your work and let ....."THAT SPEAK FOR ITSELF"! A wise person once told me "if you want to see life or people for what or who they truly are Just Sit Still" Now with that said I am NOT saying don't push or promote your brand or wait until business finds you rather sometimes we are so busy talking trying to push a product that we forget to the most important thing and that is to listen to what the consumer need!

Let me give you a scenario:

Business: Good morning kind sir/madam how are you?
Consumer: I'm ok

Business: We have a brand new flat screen television on sale for only $500.00 isn't that a steal?
Consumer: Yes it its "but" Im here browsing for something else

Business: But sir your gonna pass up a TV for that price? Your missing a great deal!
Consumer: I agree it's a excellent price but that's "not" what I'm looking for!

Business: Ok well I'd Hate for you to loose out but ok!
Consumer: Thank you for your time I think I'm going to look for my wife now!

Business: Thank you and have a great day!
Consumer: You do the same!

Now what was wrong with that scenario? The salesman didn't listen!!!! The consumer informed him three times he was NOT looking for a TV! Now although that may have been an amazing deal but a number of reasons could have came have been the reason it wasn't a go:

1. He already have enough Flatscreen TV's
   
2. He rarely watches television
3. His wife is blind and he has to work 3 jobs
4. He was shopping for another item
5. etc..

There could have been a variety of reasons but because he was more interested in making a sale he lost site of the most important thing to to and that was to gain his clients "TRUST" which plays the most important part in a sale. Because if your consumer does not have faith in your or the brand you represent is he's going to purchase your product? Chances are most likely not. Also be careful to watch your attitude or tone with your consumer because this will also hinder a sell. Things would have went a lot smoother if the salesperson just asked the consumer what exactly was it he was looking for. Another thing that could have helped is if he asked how could he be of better assistance? Both would have got what they was looking for! But because the salesperson was only interested in what he wanted then this became a heartless sale. (A sale with no emotion or care for the consumers needs)

We all know that in business most people have the attitude "it's not personal just business" but it is because when you invade a persons personal space you are now in "Their WORLD" They are not No longer caring about your store or brand until you gain their trust? (Your Introduction) The 1st thing in sales you learn is your selling "YOURSELF' 1st!!!!! Why?... because if the person doesn't buy you then trust me the same usually applies to the product your selling.

So in short "Stop, Look & Listen" don't be so eager or too busy trying to sell your brand that you forget the most important part of the deal "The Consumer & Your Relationship" this is the most vital part of the process that separates the successful return customer from the passer by!

Have a great day and It Ain't Official Unless U heard The Whistle!

"NFL Rookies Warned on Money" time Money & Music joins this discussion

For reprint reasons we will instead link this week's headline post in the USA TODAY "NFL Rookies Warned on Money" (click here to read entire article).

Why did we resort to Money Mike on this one? Because he is a Registered Investment Advisor, someone who has contemplated and able to qualify to join the NFLPA's union of financial advisors, but after having a conversation with one of our past guests, Elton Brown (Superbowl Lineman from the Arizona Cardinals), Money Mike revealed, "yes" he could, would, and was able to qualify to be part of the NFLPA's financial advisors union, even has the paperwork still in his files, but what did that really mean? From our conversations with him, what it really meant was paying 500+$ (annual fee) to be listed as a "Qualified advisor" on their 450+ list that the Rookies get of financial advisors during their Rookie meetings. Elton & Mike, talked about will that really make a difference? Their conclusions, would you trust someone because they are on a paid list, would that mean Money Mike is more qualified, more trusted? Before reading on...please read the article, better yet, read past blog archives, listen to past Money & Music Shows.

I met Money Mike in the late 90's, he was like any other young successful dude, just having fun, working hard, and never thought where our destiny's would take us. Since it's Caribana time...it only brings back true memories when we after one helluva event in Canada @ the Gov't, did we say to ourselves..."Wow, there is so much the Entertainment and Sports Industries lack, True Guidance" like the article points out, not that fancy suit, fancy car, legal/financial lingo, having you run for the hills if you dare to ask a question. No instead, someone you can sit down with you, look you in the eyes, kick you in the ass & tell you stop being so DUMB!!! While enjoying the game or bumpin some good music, all on the same level. We respect the fact the NFLPA set up such a union, and continues to preach and educate young athletes the importance of finances, yet are the role models preaching from success or from the failures that so many made? How about we stop preaching and stop LEACHING on to these athletes/entertainers as they are anyone different then anyone else? We have serious problems as a society, forget the whole fame blame. Today's economy affects all walks of life, no matter how many zeroes are after your bank account.

The problem, it's the Bling and the Blang, society and media, portray as Success. The Reality is...well start tuning in...start reading the posts, we can only lead the horse to the water, it's up to you to do something about it. So all you artists & athletes, at the end of the day, the blame only lies with you, Ask yourself one simple question, "After I'm done with my career, what plan do I have in place and where will my income come from?" as our boy Money Mike would say instead, " What is your lifestyle now and how much money do you need to maintain it for future years?"

Now why is Health such a important concept to me? Because a few years ago I was effected by a getting hit by a drunk driver which left me paralyzed for a few months and on a cane for a few years. This effected "EVERYTHING" not even just in the past but in the present as well because time to time when the weather change I'm still effected. Because I wasn't able to exercise and lack of a proper nourishment I also had a poor diet which triggered "Sugar Diabetes" which is so prevalent in my family because most of my siblings suffer from this disease from both of my grandmothers, aunts, father and even my sister suffer from the same illness. This left me in even worse condition. I have dealt with many of things but trust me when I tell you Sugar is nothing to play with it has resulted in the passing of both of my grandmothers, My fathers foot being amputated and my my aunt with a stroke.

You may heard many say "Your Heath is Your Wealth" but from personal experience I can tell you without it you have "NOTHING" don't let "NOTHING" nor "NO ONE" effect this because this will have a trickle down effect it will effect your finance, relationships, family and your overall existence. So plan ahead and think smart.

Money & Music is a movement that continues to strengthen, the show will be back shortly, so stay tuned, stay up to date, and keep educating because EDUCATION & your HEALTH is your TRUE WEALTH.

You Heard The Whistle It's Official!

Legacy Planning, "It's in your Hands"

As we get older, we hear this all the time "Life is Short". Yet, what have you done about it? How have you made sure that you will have left a "Legacy" that will always be remembered. Do you feel sometimes like the hamster on the wheel, running and running yet failing to take action by getting off the wheel? Often times, we talk about what we are going to do, but more of the times we put it off to a point we never do what we say, until it's forgotten.

Losing a loved one, is a feeling that no words can ever explain, yet life goes on. We can only hope with this week's post, you too will take a moment to reflect how fast life goes by, and actually take action on something you have always thought about, yet have not taken a moment to do. Howabout:
*updating your will & establishing a health care proxy
*establishing a budget
* speaking to a reputable independent financial advisor about your Life Plan
* buying life insurance or disability insurance
* donating time to a charity or meaningful cause
* allocating more time to your family
* or something as simple as going out & cleaning the garage
...whatever it may be...

Make Today the Day You took Action

Tomorrow a Day of Peace of Mind

What is your Legacy?

Looking for a reputable Advisor?
email: info@moneynmusic
SERIOUS INQUIRIES ONLY

First Released Download: "The Most Under-Rated" Mixtape, Shire'

Money & Music Family continues hit homers, for all our love makers, R&B lovers, if you don't have any of these tracks in rotation, be warned get the ice because this is one mixtape, that will only make your summer that much HOTTER!!!
Shire' (SRC/Universal Motown Artist) is one of the industry's most under-rated, you be the judge. Money & Music in Partnership with globo.com, www.multishowfm.com.br, & MultiSoul, first showcased in Rio De Janeiro, Brazil during the whole month of June 2010. Shire's voice & talent had Brazilians only asking how they too could get an autographed mixtape from Baltimore's daughter herself, Shire'. Money & Music & Shire' sure didn't disappoint, take a look for yourself.

Globo.com/MultishowFM, Brazil

We want to again Thank Shire' & CK
for showing Money & Music the support & love through the trials & tribulations on your rise to the TOP.

"BE THE FIRST TO GET IT FIRST"

DOWNLOAD HERE

Shire' is one talent, that as the industry sleeps on, will continue produce hit after hit only making us wonder, what is her label waiting for? Until then fans like us, will enjoy...
"The Most Under-Rated"

Shire'

Stevie Stone drops "Set in Stone" Mixtape Download Here

Money & Music Family proudly presents on this day of Independence, July 4th, the much anticipated mixtape from Stevie STONE, "Set in Stone". He's broken charts in the states & overseas, & may be the game's most slept on New Kid to define RAW. Turn up the bass & enjoy some serious BOUNCE to hit them tires

DOWNLOAD HERE

HAPPY INDEPENDENCE DAY
JULY 4th

(EXCLUSIVE) DJ Delz x Wordsmith Present Jackin' for Beats: Wordplay Edition Mixtape OUT NOW

2DOPEBOYZ x NU REVOLUTION ENTERTAINMENT PRESENTS...

"Jackin' for Beats"
Wordplay Edition

WORDSMITH & DJ DELZ
FEATURING SHA STIMULI, ROC MARCIANO, BALANCE, K. SPARKS, RUSTE JUXX, V-STYLEZ, KONTACT & BLACK KNIGHT & WHITEFOLKZ

"MIXED & BLENDED BY DJ DELZ // PRESENTED BY 2DOPEBOYZ "

It's Finally here...2dopeboyz x DJ Delz would like to present Wordsmith in "Jackin' For Beats: Wordplay Edition" OUT NOW! 21 cuts deep it features Wordsmith's cousin' Roc Marciano and Black Knight, along with Balance, Sha Stimuli, K. Sparks, Ruste Juxx, V-Stylez and Nu Revolution artists Whitefolkz, Kontact and DJ Ykcor.

01.) Master Of The Ceremony (Freestyle)

02.) Back For The First Time (Freestyle)

03.) I Might Need Security (Freestyle)

04.) Mr. Incredible (Freestyle)

05.) The Villain (Freestyle)

06.) Whiplash (Freestyle) (feat. Black Knight, Roc Marciano, Balance, Sha Stimuli & K.Sparks) (Cutz By DJ Ykcor)

07.) Revolutionary Renegades (Freestyle) (feat. Kontact, Whitefolkz & Black Knight)

08.) On To the Next One (Freestyle)

09.) Pay Attention (Freestyle)

10.) Suplex To The Beat (Freestyle) (Cutz by DJ Ykcor)

11.) Mr. Witty Wit My Words (Freestyle) (Cutz by DJ Ykcor)

12.) I'm Major (Freestyle)

13.) When Keeping It Real Goes Wrong (Freestyle)

14.) Do You Think About Me (Freestyle) (feat. Kontact)

15.) Brown Suga (Freestyle)

16.) Unthinkable (Unofficial Remix) (feat. Alicia Keys & Whitefolkz) (Produced By DJ Ykcor)

17.) Telescope (Freestyle) (feat. Soulstice)

18.) Farewell For Now, But More To Come (Freestyle) (feat. Black Knight, Kontact & Whitefolkz)

19.) Beast In The Trunk (Remix) (feat. Kontact, Black Knight, Ruste Juxx & V-Stylez) (Produced By Judah)

20.) Not A Second To Waste (Remix) (Produced By Zombietyme)

21.) The Great (Remix) (Produced By Frankie Paige)

DOWNLOAD HERE

Understanding the Basics of Life Insurance

For many of you, this is a distant discussion, decision, or even a worry. "I am healthy", "I don't have kids or family", "I can't afford anymore insurance", or "It only pays if I die".

Correct to all, and these are the exact Reasons it's TIME YOU establish a plan now vs. later.

For those that establish a plan, young & healthy, with cash build-up, there will come a time in your life whether it's a family, business strategies, or simple estate planning, that day you took the time to investigate further (maybe with the help of this post) was the day you made & saved hundreds of dollars, for yourself, spouse, family, or business.

There are many different types of plans, and for those who are experts in the in the financial planning business, many of them will tell you, life insurance is one of the most powerful financial planning vehicles available when used appropriately. That's our biggest problem, it's a complex insurance product, many times & often misunderstood, or used for the wrong reasons.

Things to ask your advisor:

1. What are the Ratings of the Company?

2. Show me an illustration with Hypothetical Returns of less than 7 & 6% over the life of the policy.

3. Does my Policy have Cash Value Build-up?

4. Is my yearly/monthly premium guaranteed so my policy won't lapse in the future?

5. Can you show me various company premium comparisons? (apples to apples)

6. How much should I be applying for? (always stay within your BUDGET-set a dollar amount aside monthly as a fixed expense towards your life insurance needs)

7. Should I buy term, whole life, variable life, universal life, variable universal life? And what are the differences?

8. Can cash my policy in, and what would be the disadvantages?

9. What if I become disabled & can't pay the premium?

10. Based on my current situation & future goals, how does life insurance fit into my financial plan?

Some call Life Insurance, Death Insurance, when the reality is there is so much more to Life Insurance Planning that isn't as easy as going out and just buying a policy, see how many signatures & pages you must fill out to apply...then you will understand how serious of a subject it really is.

1. Life insurance correctly planned will on premature death provide funds to deal with monies due, mortgages, and living expenses. It offers protection to the family you leave behind and serves as a cash resource.

2. It secures your hard earned estate on death by providing tax free cash which can be utilized to pay estate and death duties and to tide over business and personal expenses.

3. Life insurance can have a savings or pension component that provides for you during retirement.

4. Some policies have riders like coverage of critical illness or term insurance for the children or spouse. There are certain rules regarding eligibility for riders which you will need to determine clearly.

5. Having a valid insurance policy is considered as financial assets which improves your credit rating when you need health insurance or a home loan or business loan.

6. In case of bankruptcy, the cash value as well as death benefits of an insurance policy is exempt from creditors.

7. Life insurance can be planned such that it will cover even your funeral expenses.

8. Term life insurance has double benefits, it protects and you can get your money back during strategic points in your life.

9. Insurance protects your business from financial loss or any liabilities in case a business partner dies.

10. It can contribute towards maintaining a family's life style when one contributing partner suddenly dies

There are many other questions to ask, but these are the basics, should you want to know more information or have questions feel free to
email: info@moneynmusic.com (SERIOUS INQUIRIES ONLY)

Tribute to Old School Hip Hop

Wordsmith, "As the Art Fades Away"

"Visual Perception" on the Money & Music Show

If you missed this week's Money & Music Show, as always we got you, press play, below, get your notepads & pens...and listen in peoples...listen up!!! If you don't have the time to tune in...at least read the blog below it...Heavy...Heavy info, we got WAKE UP, Stand Up, and realize, it's our Future, the TIME is NOW. If you have no interest in your future, your families future, the future your business, or the Future of this country, well at least you know we'll keep bringing heat, in hopes someday, you will just be AWARE enough to do something about it.

As always, all the best & much success...

MONEY & MUSIC SHOW - GET YOUR FINANCIAL TIPS RIGHT HERE!