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It is very common for business owners to dismiss the internet. Many people still hold to the old beliefs in marketing, and are convinced that only ads on TV, the Yellow Pages, radio, or print media are valid ways of promoting their business. This couldn't be further from the truth. What has really happened in the world of marketing is that online small business marketing has actually become the best return on investment option available to a business looking to promote their services. What remains is for more business to realize the opportunities which will become available to them as soon as they consider the internet a valid way to market their services.There are several ways to convince business owners that the internet is the most advantageous media for them to pursue in terms of their marketing. The first way to do this is by example. It is always important to have access to success stories. When you can point to businesses that have expanded their operations or become more profitable since they started marketing online, it goes a long way to helping convince business owners that they can also profit from online marketing. A business owner should also take the time to talk to peers or colleagues to find out what benefits they have had when they started marketing online. The results will be almost universally the same. Almost every business notices their business pick up once they commit to a proper online marketing effort.The next way to show a business owner how the internet can work for them is to talk about the ROI which is involved with internet marketing. The cost of marketing and advertising through traditional media is incredibly expensive. Often, the return seen through this type of advertising, especially if a campaign is not maintained long enough, is very low. However, the ROI on internet marketing can be extremely profitable. There have even been studies done which have shown that email marketing is one of the best ROI investments that any company can make in their marketing funnel. When small business owners come to understand this, they start to see why marketing on the internet is something that they need to be strongly considering.The next step in showing business owners why the internet is a valid means of marketing is actually being able to explain to them what kinds of services they should be paying for or receiving. The reason that many people fear advertising on the internet is because they don't know exactly what types of services they should be pursuing, and what types of benefits they can expect to see from them. When a business owner starts to understand the value of social networking, social media, local business marketing and search engine optimization, they will start to see why they need to be marketing on the internet.The final reason that local business owners should consider internet marketing is that the internet is how people find businesses these days. People no longer open up the yellow pages or flip open a newspaper to find a certain type of business. Instead, they pull out their cell phone, punch in a search term into Google, and see what businesses are suggested to them. This trend has been growing more and more over recent years, especially with the huge increases in the use of mobile web technology. The real truth of the matter is that, if a business doesn't start consider online marketing, they won't just find it difficult to grow their business, they could actually start to lose business as their competitors find ways to attract customers over the internet.
Considering the Internet As a Valid Way of Marketing
Insurance Law – An Indian Perspective
INTRODUCTION"Insurance should be bought to protect you against a calamity that would otherwise be financially devastating."In simple terms, insurance allows someone who suffers a loss or accident to be compensated for the effects of their misfortune. It lets you protect yourself against everyday risks to your health, home and financial situation.Insurance in India started without any regulation in the Nineteenth Century. It was a typical story of a colonial epoch: few British insurance companies dominating the market serving mostly large urban centers. After the independence, it took a theatrical turn. Insurance was nationalized. First, the life insurance companies were nationalized in 1956, and then the general insurance business was nationalized in 1972. It was only in 1999 that the private insurance companies have been allowed back into the business of insurance with a maximum of 26% of foreign holding."The insurance industry is enormous and can be quite intimidating. Insurance is being sold for almost anything and everything you can imagine. Determining what's right for you can be a very daunting task."Concepts of insurance have been extended beyond the coverage of tangible asset. Now the risk of losses due to sudden changes in currency exchange rates, political disturbance, negligence and liability for the damages can also be covered.But if a person thoughtfully invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.The entry of the State Bank of India with its proposal of bank assurance brings a new dynamics in the game. The collective experience of the other countries in Asia has already deregulated their markets and has allowed foreign companies to participate. If the experience of the other countries is any guide, the dominance of the Life Insurance Corporation and the General Insurance Corporation is not going to disappear any time soon.
The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types: life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employer's liability, and insurance of motor vehicles, livestock and crops.LIFE INSURANCE IN INDIA"Life insurance is the heartfelt love letter ever written.It calms down the crying of a hungry baby at night. It relieves the heart of a bereaved widow.It is the comforting whisper in the dark silent hours of the night."Life insurance made its debut in India well over 100 years ago. Its salient features are not as widely understood in our country as they ought to be. There is no statutory definition of life insurance, but it has been defined as a contract of insurance whereby the insured agrees to pay certain sums called premiums, at specified time, and in consideration thereof the insurer agreed to pay certain sums of money on certain condition sand in specified way upon happening of a particular event contingent upon the duration of human life.Life insurance is superior to other forms of savings!"There is no death. Life Insurance exalts life and defeats death.It is the premium we pay for the freedom of living after death."Savings through life insurance guarantee full protection against risk of death of the saver. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.The essential features of life insurance are a) it is a contract relating to human life, which b) provides for payment of lump-sum amount, and c) the amount is paid after the expiry of certain period or on the death of the assured. The very purpose and object of the assured in taking policies from life insurance companies is to safeguard the interest of his dependents viz., wife and children as the case may be, in the even of premature death of the assured as a result of the happening in any contingency. A life insurance policy is also generally accepted as security for even a commercial loan.NON-LIFE INSURANCE"Every asset has a value and the business of general insurance is related to the protection of economic value of assets."Non-life insurance means insurance other than life insurance such as fire, marine, accident, medical, motor vehicle and household insurance. Assets would have been created through the efforts of owner, which can be in the form of building, vehicles, machinery and other tangible properties. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery.
Few of the General Insurance policies are:Property Insurance: The home is most valued possession. The policy is designed to cover the various risks under a single policy. It provides protection for property and interest of the insured and family.Health Insurance: It provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident.
Personal Accident Insurance: This insurance policy provides compensation for loss of life or injury (partial or permanent) caused by an accident. This includes reimbursement of cost of treatment and the use of hospital facilities for the treatment.Travel Insurance: The policy covers the insured against various eventualities while traveling abroad. It covers the insured against personal accident, medical expenses and repatriation, loss of checked baggage, passport etc.Liability Insurance: This policy indemnifies the Directors or Officers or other professionals against loss arising from claims made against them by reason of any wrongful Act in their Official capacity.Motor Insurance: Motor Vehicles Act states that every motor vehicle plying on the road has to be insured, with at least Liability only policy. There are two types of policy one covering the act of liability, while other covers insurers all liability and damage caused to one's vehicles.JOURNEY FROM AN INFANT TO ADOLESCENCE!Historical PerspectiveThe history of life insurance in India dates back to 1818 when it was conceived as a means to provide for English Widows. Interestingly in those days a higher premium was charged for Indian lives than the non-Indian lives as Indian lives were considered more risky for coverage.
The Bombay Mutual Life Insurance Society started its business in 1870. It was the first company to charge same premium for both Indian and non-Indian lives. The Oriental Assurance Company was established in 1880. The General insurance business in India, on the other hand, can trace its roots to the Triton (Tital) Insurance Company Limited, the first general insurance company established in the year 1850 in Calcutta by the British. Till the end of nineteenth century insurance business was almost entirely in the hands of overseas companies.Insurance regulation formally began in India with the passing of the Life Insurance Companies Act of 1912 and the Provident Fund Act of 1912. Several frauds during 20′s and 30′s desecrated insurance business in India. By 1938 there were 176 insurance companies. The first comprehensive legislation was introduced with the Insurance Act of 1938 that provided strict State Control over insurance business. The insurance business grew at a faster pace after independence. Indian companies strengthened their hold on this business but despite the growth that was witnessed, insurance remained an urban phenomenon.The Government of India in 1956, brought together over 240 private life insurers and provident societies under one nationalized monopoly corporation and Life Insurance Corporation (LIC) was born. Nationalization was justified on the grounds that it would create much needed funds for rapid industrialization. This was in conformity with the Government's chosen path of State lead planning and development.The (non-life) insurance business continued to prosper with the private sector till 1972. Their operations were restricted to organized trade and industry in large cities. The general insurance industry was nationalized in 1972. With this, nearly 107 insurers were amalgamated and grouped into four companies – National Insurance Company, New India Assurance Company, Oriental Insurance Company and United India Insurance Company. These were subsidiaries of the General Insurance Company (GIC).The life insurance industry was nationalized under the Life Insurance Corporation (LIC) Act of India. In some ways, the LIC has become very flourishing. Regardless of being a monopoly, it has some 60-70 million policyholders. Given that the Indian middle-class is around 250-300 million, the LIC has managed to capture some 30 odd percent of it. Around 48% of the customers of the LIC are from rural and semi-urban areas. This probably would not have happened had the charter of the LIC not specifically set out the goal of serving the rural areas. A high saving rate in India is one of the exogenous factors that have helped the LIC to grow rapidly in recent years. Despite the saving rate being high in India (compared with other countries with a similar level of development), Indians display high degree of risk aversion. Thus, nearly half of the investments are in physical assets (like property and gold). Around twenty three percent are in (low yielding but safe) bank deposits. In addition, some 1.3 percent of the GDP are in life insurance related savings vehicles. This figure has doubled between 1985 and 1995.A World viewpoint – Life Insurance in IndiaIn many countries, insurance has been a form of savings. In many developed countries, a significant fraction of domestic saving is in the form of donation insurance plans. This is not surprising. The prominence of some developing countries is more surprising. For example, South Africa features at the number two spot. India is nestled between Chile and Italy. This is even more surprising given the levels of economic development in Chile and Italy. Thus, we can conclude that there is an insurance culture in India despite a low per capita income. This promises well for future growth. Specifically, when the income level improves, insurance (especially life) is likely to grow rapidly.INSURANCE SECTOR REFORM:Committee Reports: One Known, One Anonymous!Although Indian markets were privatized and opened up to foreign companies in a number of sectors in 1991, insurance remained out of bounds on both counts. The government wanted to proceed with caution. With pressure from the opposition, the government (at the time, dominated by the Congress Party) decided to set up a committee headed by Mr. R. N. Malhotra (the then Governor of the Reserve Bank of India).Malhotra CommitteeLiberalization of the Indian insurance market was suggested in a report released in 1994 by the Malhotra Committee, indicating that the market should be opened to private-sector competition, and eventually, foreign private-sector competition. It also investigated the level of satisfaction of the customers of the LIC. Inquisitively, the level of customer satisfaction seemed to be high.In 1993, Malhotra Committee – headed by former Finance Secretary and RBI Governor Mr. R. N. Malhotra – was formed to evaluate the Indian insurance industry and recommend its future course. The Malhotra committee was set up with the aim of complementing the reforms initiated in the financial sector. The reforms were aimed at creating a more efficient and competitive financial system suitable for the needs of the economy keeping in mind the structural changes presently happening and recognizing that insurance is an important part of the overall financial system where it was necessary to address the need for similar reforms. In 1994, the committee submitted the report and some of the key recommendations included:o StructureGovernment bet in the insurance Companies to be brought down to 50%. Government should take over the holdings of GIC and its subsidiaries so that these subsidiaries can act as independent corporations. All the insurance companies should be given greater freedom to operate.
CompetitionPrivate Companies with a minimum paid up capital of Rs.1 billion should be allowed to enter the sector. No Company should deal in both Life and General Insurance through a single entity. Foreign companies may be allowed to enter the industry in collaboration with the domestic companies. Postal Life Insurance should be allowed to operate in the rural market. Only one State Level Life Insurance Company should be allowed to operate in each state.o Regulatory BodyThe Insurance Act should be changed. An Insurance Regulatory body should be set up. Controller of Insurance – a part of the Finance Ministry- should be made Independent.o InvestmentsCompulsory Investments of LIC Life Fund in government securities to be reduced from 75% to 50%. GIC and its subsidiaries are not to hold more than 5% in any company (there current holdings to be brought down to this level over a period of time).o Customer ServiceLIC should pay interest on delays in payments beyond 30 days. Insurance companies must be encouraged to set up unit linked pension plans. Computerization of operations and updating of technology to be carried out in the insurance industry. The committee accentuated that in order to improve the customer services and increase the coverage of insurance policies, industry should be opened up to competition. But at the same time, the committee felt the need to exercise caution as any failure on the part of new competitors could ruin the public confidence in the industry. Hence, it was decided to allow competition in a limited way by stipulating the minimum capital requirement of Rs.100 crores.The committee felt the need to provide greater autonomy to insurance companies in order to improve their performance and enable them to act as independent companies with economic motives. For this purpose, it had proposed setting up an independent regulatory body – The Insurance Regulatory and Development Authority.Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in Parliament in December 1999. The IRDA since its incorporation as a statutory body in April 2000 has meticulously stuck to its schedule of framing regulations and registering the private sector insurance companies.Since being set up as an independent statutory body the IRDA has put in a framework of globally compatible regulations. The other decision taken at the same time to provide the supporting systems to the insurance sector and in particular the life insurance companies was the launch of the IRDA online service for issue and renewal of licenses to agents. The approval of institutions for imparting training to agents has also ensured that the insurance companies would have a trained workforce of insurance agents in place to sell their products.The Government of India liberalized the insurance sector in March 2000 with the passage of the Insurance Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private players and allowing foreign players to enter the market with some limits on direct foreign ownership. Under the current guidelines, there is a 26 percent equity lid for foreign partners in an insurance company. There is a proposal to increase this limit to 49 percent.The opening up of the sector is likely to lead to greater spread and deepening of insurance in India and this may also include restructuring and revitalizing of the public sector companies. In the private sector 12 life insurance and 8 general insurance companies have been registered. A host of private Insurance companies operating in both life and non-life segments have started selling their insurance policies since 2001Mukherjee CommitteeImmediately after the publication of the Malhotra Committee Report, a new committee, Mukherjee Committee was set up to make concrete plans for the requirements of the newly formed insurance companies. Recommendations of the Mukherjee Committee were never disclosed to the public. But, from the information that filtered out it became clear that the committee recommended the inclusion of certain ratios in insurance company balance sheets to ensure transparency in accounting. But the Finance Minister objected to it and it was argued by him, probably on the advice of some of the potential competitors, that it could affect the prospects of a developing insurance company.LAW COMMISSION OF INDIA ON REVISION OF THE INSURANCE ACT 1938 – 190th Law Commission ReportThe Law Commission on 16th June 2003 released a Consultation Paper on the Revision of the Insurance Act, 1938. The previous exercise to amend the Insurance Act, 1938 was undertaken in 1999 at the time of enactment of the Insurance Regulatory Development Authority Act, 1999 (IRDA Act).The Commission undertook the present exercise in the context of the changed policy that has permitted private insurance companies both in the life and non-life sectors. A need has been felt to toughen the regulatory mechanism even while streamlining the existing legislation with a view to removing portions that have become superfluous as a consequence of the recent changes.Among the major areas of changes, the Consultation paper suggested the following:a. merging of the provisions of the IRDA Act with the Insurance Act to avoid multiplicity of legislations;b. deletion of redundant and transitory provisions in the Insurance Act, 1938;c. Amendments reflect the changed policy of permitting private insurance companies and strengthening the regulatory mechanism;d. Providing for stringent norms regarding maintenance of 'solvency margin' and investments by both public sector and private sector insurance companies;e. Providing for a full-fledged grievance redressal mechanism that includes:o The constitution of Grievance Redressal Authorities (GRAs) comprising one judicial and two technical members to deal with complaints/claims of policyholders against insurers (the GRAs are expected to replace the present system of insurer appointed Ombudsman);o Appointment of adjudicating officers by the IRDA to determine and levy penalties on defaulting insurers, insurance intermediaries and insurance agents;o Providing for an appeal against the decisions of the IRDA, GRAs and adjudicating officers to an Insurance Appellate Tribunal (IAT) comprising a judge (sitting or retired) of the Supreme Court/Chief Justice of a High Court as presiding officer and two other members having sufficient experience in insurance matters;o Providing for a statutory appeal to the Supreme Court against the decisions of the IAT.LIFE & NON-LIFE INSURANCE – Development and Growth!The year 2006 turned out to be a momentous year for the insurance sector as regulator the Insurance Regulatory Development Authority Act, laid the foundation for free pricing general insurance from 2007, while many companies announced plans to attack into the sector.Both domestic and foreign players robustly pursued their long-pending demand for increasing the FDI limit from 26 per cent to 49 per cent and toward the fag end of the year, the Government sent the Comprehensive Insurance Bill to Group of Ministers for consideration amid strong reservation from Left parties. The Bill is likely to be taken up in the Budget session of Parliament.The infiltration rates of health and other non-life insurances in India are well below the international level. These facts indicate immense growth potential of the insurance sector. The hike in FDI limit to 49 per cent was proposed by the Government last year. This has not been operationalized as legislative changes are required for such hike. Since opening up of the insurance sector in 1999, foreign investments of Rs. 8.7 billion have tipped into the Indian market and 21 private companies have been granted licenses.
The involvement of the private insurers in various industry segments has increased on account of both their capturing a part of the business which was earlier underwritten by the public sector insurers and also creating additional business boulevards. To this effect, the public sector insurers have been unable to draw upon their inherent strengths to capture additional premium. Of the growth in premium in 2004-05, 66.27 per cent has been captured by the private insurers despite having 20 per cent market share.The life insurance industry recorded a premium income of Rs.82854.80 crore during the financial year 2004-05 as against Rs.66653.75 crore in the previous financial year, recording a growth of 24.31 per cent. The contribution of first year premium, single premium and renewal premium to the total premium was Rs.15881.33 crore (19.16 per cent); Rs.10336.30 crore (12.47 per cent); and Rs.56637.16 crore (68.36 per cent), respectively. In the year 2000-01, when the industry was opened up to the private players, the life insurance premium was Rs.34,898.48 crore which constituted of Rs. 6996.95 crore of first year premium, Rs. 25191.07 crore of renewal premium and Rs. 2740.45 crore of single premium. Post opening up, single premium had declined from Rs.9, 194.07 crore in the year 2001-02 to Rs.5674.14 crore in 2002-03 with the withdrawal of the guaranteed return policies. Though it went up marginally in 2003-04 to Rs.5936.50 crore (4.62 per cent growth) 2004-05, however, witnessed a significant shift with the single premium income rising to Rs. 10336.30 crore showing 74.11 per cent growth over 2003-04.The size of life insurance market increased on the strength of growth in the economy and concomitant increase in per capita income. This resulted in a favourable growth in total premium both for LIC (18.25 per cent) and to the new insurers (147.65 per cent) in 2004-05. The higher growth for the new insurers is to be viewed in the context of a low base in 2003- 04. However, the new insurers have improved their market share from 4.68 in 2003-04 to 9.33 in 2004-05.The segment wise break up of fire, marine and miscellaneous segments in case of the public sector insurers was Rs.2411.38 crore, Rs.982.99 crore and Rs.10578.59 crore, i.e., a growth of (-)1.43 per cent, 1.81 per cent and 6.58 per cent. The public sector insurers reported growth in Motor and Health segments (9 and 24 per cent). These segments accounted for 45 and 10 per cent of the business underwritten by the public sector insurers. Fire and "Others" accounted for 17.26 and 11 per cent of the premium underwritten. Aviation, Liability, "Others" and Fire recorded negative growth of 29, 21, 3.58 and 1.43 per cent. In no other country that opened at the same time as India have foreign companies been able to grab a 22 per cent market share in the life segment and about 20 per cent in the general insurance segment. The share of foreign insurers in other competing Asian markets is not more than 5 to 10 per cent.The life insurance sector grew new premium at a rate not seen before while the general insurance sector grew at a faster rate. Two new players entered into life insurance – Shriram Life and Bharti Axa Life – taking the total number of life players to 16. There was one new entrant to the non-life sector in the form of a standalone health insurance company – Star Health and Allied Insurance, taking the non-life players to 14.A large number of companies, mostly nationalized banks (about 14) such as Bank of India and Punjab National Bank, have announced plans to enter the insurance sector and some of them have also formed joint ventures.The proposed change in FDI cap is part of the comprehensive amendments to insurance laws – The Insurance Act of 1999, LIC Act, 1956 and IRDA Act, 1999. After the proposed amendments in the insurance laws LIC would be able to maintain reserves while insurance companies would be able to raise resources other than equity.About 14 banks are in queue to enter insurance sector and the year 2006 saw several joint venture announcements while others scout partners. Bank of India has teamed up with Union Bank and Japanese insurance major Dai-ichi Mutual Life while PNB tied up with Vijaya Bank and Principal for foraying into life insurance. Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation and Sompo Japan Insurance Inc have tied up for forming a non-life insurance company while Bank of Maharashtra has tied up with Shriram Group and South Africa's Sanlam group for non-life insurance venture.CONCLUSIONIt seems cynical that the LIC and the GIC will wither and die within the next decade or two. The IRDA has taken "at a snail's pace" approach. It has been very cautious in granting licenses. It has set up fairly strict standards for all aspects of the insurance business (with the probable exception of the disclosure requirements). The regulators always walk a fine line. Too many regulations kill the motivation of the newcomers; too relaxed regulations may induce failure and fraud that led to nationalization in the first place. India is not unique among the developing countries where the insurance business has been opened up to foreign competitors.The insurance business is at a critical stage in India. Over the next couple of decades we are likely to witness high growth in the insurance sector for two reasons namely; financial deregulation always speeds up the development of the insurance sector and growth in per capita GDP also helps the insurance business to grow.
Rep V. Direct: How to Best Organize a Sales Team
Sales executives are constantly searching for the ideal structure of the sales team. Should the team be composed only of direct sales people? Should the team be composed only of manufacturers' representatives? Experience shows that a hybrid sales organization, composed of a blend of direct and indirect sales employees (manufacturers' representatives), combines optimal performance, cost effectiveness and flexibility.If one observes several sales organizations over an extended period, she's able to see that relatively often, sales executives make sweeping changes to those organizations, from all direct to all rep, and from all rep to all direct. Invariably, the observer is able to note that sales management ultimately reverses many of those sweeping changes. Sometimes sales executives benefit from observing changes made by others. Unfortunately, too many sales executives develop the understanding of the benefits of a hybrid organization by making one or more poor decisions and then repairing the organization after problems surface. The most durable of sales organizations are those that use a hybrid technique, employing a mix of both direct sales staff and manufacturers' representatives. Sales teams composed entirely of all direct people or entirely of manufacturers' representatives are generally not ideal.Why "Direct Only" Teams Are Not IdealMany CEOs and executive teams believe that the best way to build relationships with customers is with a sales team composed only of direct employees. In this example, sales staff cannot be distracted with unrelated business and other product lines. No one can blame the inexperienced CEO and executive team for thinking this way. A salesperson is able to devote 100 percent of this time to the company. A direct sales team suffers from far fewer distractions than a rep sales team. However, experienced CEOs and executive teams understand that they must thoroughly look at a direct sales team before converting to it. Direct sales teams are quite expensive to train and support. The company must support offices in all major markets. Those offices bring along with them assorted costs: rent, administrative support, office equipment, utilities, etc. A competent manager who can work well and represent the company without direct supervision must manage the office. The company must train and occasionally upgrade each office manager.When sales are growing, the office manager must hire and train new sales staff. The company must train the manager in hiring and training techniques. The company must also train the office manager in firing techniques, in hopes of avoiding legal problems.As sales grow, the office must expand to meet growing demands upon the sales office. Cost of sales rises as sales grow. Sales, however, do not grow forever. Ultimately, sales flatten and roll over. Sales usually roll over earlier and more abruptly than hiring plans. Sales may dip at anytime during the year, but hiring plans are usually set at the beginning of each calendar or fiscal year. As a result, hiring is sometimes still underway when industry and office sales are falling. Such dynamics create an environment whereby cost of sales, (as measured by the total cost of running the sales office, divided by the total revenue that the office generates, expressed as a share of sales) rises rapidly.
When a sales office has healthy sales, the company can manage its cost of sales and support them at a predetermined level. If sales grow for a long period, the company can manage the office to cut cost of sales. The sales office can benefit from economies of scale. A sales office supporting 20 salesmen doesn't need more copiers, fax machines and conference rooms than an office supporting only 10 salesmen. Unfortunately, sales ultimately roll over. It is difficult to cut costs immediately. The office manager must usually see several months or quarters of declining sales before realizing that he must cut costs, including headcount. During this time, cost of sales rises, sometimes well above tolerated levels. The sales office manager and the company cannot cut costs quickly. Which is a chief reason that totally direct sales teams are undesirable.Why "Rep Only" Teams Don't Yield Peak PerformanceRep only sales organizations afford a number of benefits to the sales executive. The sales teams are already in place. Hiring and firing of salesmen is not the direct responsibility of the sales executive or his regional sales managers. Manufacturers' representatives generally hire and fire as sales move up and down. The cost of running a rep only sales organization rise and fall directly with the level of sales. A significant benefit of the rep only sales organization is that cost drops immediately when sales drop. It's possible to accurately forecast cost of sales as a share of total revenue. Cost can never get out of control by hiring too many salesmen, buying too many computers, or leasing too large an office; not infrequent problems for direct sales organizations.Manufacturers' representatives are not always the panacea for companies looking to hire or expand a sales organization. Large customers often demand direct sales staff; not indirect staff from a manufacturers' representative. Large customers view their largest suppliers as strategic partners, and like the ability to communicate directly with those suppliers. Communications is sometimes slower and less clear when a customer must communicate with a manufacturers' representative, who in turn communicates with the supplier. Customers may set the style with which they deal with suppliers as part of their purchasing strategy. For example, they may decide to deal with no more than two or three suppliers on any commodity and to deal with those suppliers directly. This disallows conducting business through manufacturers' representatives. A supplier must recognize and honor such a strategy, or be ready to suffer undesirable consequences. A supplier must never turn a tin ear to a request from a customer demanding direct sales representation.Large suppliers view their largest customers as strategic partners, and like the ability to communicate directly with those customers. They view the delay when communicating through a manufacturers' representative as an unnecessary burden. When large suppliers invest management time with strategic customers, they do not want to dilute that investment by sharing management time with manufacturers' representatives. The incapacity to offer direct coverage to strategic customers is the primary reason that a sales team composed only of manufacturers' representatives is unattractive.First and Foremost: Do No HarmRecognizing that something is wrong, many sales executives make bold, sweeping structural changes to their sales teams. Fire all reps and hire a direct sales team. Fire all direct salesmen and hire a network of manufacturers' representatives. Either approach will certainly repair some problems. More than likely, however, extreme changes are very prone to creating new problems of equal or greater scale.Why do so many companies replace one poor-performing sales organization with another that destined to yield performance that is no better than the original? The two most common reasons are inexperience and weakness of the sales executive compared to the rest of the management team. Perhaps the inexperienced sales executive has risen through a single company with an all-direct or all-rep sales force. Now, managing the global sales organization, he opts for sweeping change from all-direct to all-rep, or from all-rep to all-direct sales without benefit of understanding thoroughly the benefits and problems with either a pure-rep or pure-direct organization. Alternatively, the inexperienced sales executive may have developed his management skill at a company employing an all-direct sales organization. He may not feel comfortable managing if hired into an all-rep company. No one can fault a sales manager if he sees massive problems and concludes that he must make sweeping change to an all-direct sales organization. Only inexperience allows him to make a major, highly disruptive change.Another reason companies make dramatic changes in the structure of a sales organization is that the sales executive is weak. If cost-of-sales, expressed as a share revenue is too high, the CEO, the rest of the executive team, or both can apply pressure on the sales executive to affect change and cut cost. If the sales executive lacks the strength to defend his team or the structure of the sales organization, he merely becomes the messenger, not the manager.
The message to the sales executive feeling pressure to make sweeping change in a sales organization is to adhere to the Hippocratic Oath: First, do no harm. Any sweeping change imposed upon the structure of a sales team will initially be disruptive. Make sure to justify the disruption and be very sure that the change, once implemented, is most likely irreversible. Sweeping change brings disruption, higher cost of sales and lower productivity. All of this might be worthwhile. However, if a sales manager imposes sweeping change and then reverses course within a year or two, disruption from the reversal is much greater and more costly. A reversal of an organization change brings with it disruption, higher cost of sales and lower productivity just like the original change. However, an organizational reversal can erode the sales team's enthusiasm. A company can handle disruption, higher cost of sales and lower productivity if repaired relatively quickly. Repair of an unmotivated sales team takes much more time."Hybrid Sales Teams" Work BestA supplier always looks to optimize its sales organization. If a company continuously focuses on cost of the sales organization, use of manufacturers' representatives is mandatory. The benefits of manufacturers' representatives are too great to ignore. However, manufacturers' representatives may not satisfy the requirements for some customers. Strategic customers demand direct interface, excluding the use of reps. The best alternative then, is to merge some of the best features of both a rep and a direct sales organization. Implement a direct sales team to cover the sales to all strategic customers, while simultaneously bringing about a sales team of manufacturers' representatives to cover all other customers.A hybrid sales team benefits from the cost effectiveness of manufacturers' representatives. The same team can deal directly with strategic customers. The sales executive may take advantage of the non-disruptive flexibility when adding or deleting customers on strategic customer list. A secondary benefit of a hybrid sales organization is bench strength. Well-seasoned, top-performing direct sales personnel represent a talent pool from which from which to draw regional sales managers.ConclusionExperience shows that a hybrid sales organization, composed of a blend of direct and manufacturers' representatives combines optimal performance, cost effectiveness and flexibility. The most durable sales organization is one that uses a hybrid technique. Sales teams composed entirely of all direct staff or entirely of manufacturers' representatives too often underperform.
Transportation Logistics To Fit Your Needs
Not only businesses, but sometimes people also, require the fast and efficient shipment of different packages, which can be time consuming, difficult and rather expensive, especially when trying to manage the supply chain for international shipments, when trying to deliver hazardous packages or objects with odd shapes. That is why many people choose to entrust this task to transport logistics company, that can manage the supply chain, offer various shipping services (overland, air and ocean freight, charter, intermodal, warehousing), as well as other services such as customs brokerage, consulting (finding the right shipping strategy, developing a logistical plan to save you time and money, customized logistic solutions).In this article, we are going to talk about a few of the options a transport logistic company can offer and how they can make your life easier. There are a lot of companies that focus on this industry, so it is important to understand your options in order to make the best choice possible.
The majority of these companies offer a full package of services, like those we mentioned before. However, there are some companies that are active in the transportation logistics field, but offer only a part of these services, making it important for you to determine just how many of them you truly need.We are going to begin with the courier services offered by transportation logistic companies. Many of them are resellers of courier services, meaning that letter services can sometimes be smaller than those of the original courier service.Now we are going to talk about the air freight service, a service offered by many transportation logistics companies and requested by many clients. Let's say you have to urgently send a package and you don't want to spend the big amounts of money by sending it overnight with FedEx or UPS. If sending it is so urgent that using an overland delivery is out of the question, the only choice is to send it by air freight. Many transport logistics companies can send your package via air cargo. They are going to place your package on the cargo flight that are scheduled to take off, but are not already full. This way, you can make sure that even the most heavy of packages reaches its destination, however far away it may be.A third service that is highly requested, due to the fact that it has proven to be one of the most cost efficient of all delivery methods, is ocean transit. However, if you rely a great deal on the timeliness of the delivery, sending packages through ocean cargo shipments may prove inefficient, because ocean shipment depend a great deal on weather conditions, the chosen route and other factors.
Lastly, we are going to talk about charter. If you company needs to make shipments that are very large, the most practical and cost efficient solution may be renting a chart. Many transportation logistics companies have connections with charter shipping partners and can facilitate such a process, allowing their clients to save great amounts of money.If you want to find out more about other services, such as intermodal deliveries, warehousing or customs brokerage, don't hesitate to go on the sites of transportation logistics companies and make an extensive research.


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Granodus - EIFree
You are the wise magician Granodus. The evil Xantomuphus stole your mighty magic staff,leaving you only a small wand. Your powers are in the magic staff, so you have to get it backas soon as possible.
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subset: commoncrawl


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Wisconsin health care start-ups more than tripled the amount of venture capital they pulled in during the first three quarters of this year, according to a report released Oct. 29 by BioEnterprise in Cleveland. Click here to read the full Milwaukee Journal-Sentinel story.
Featured News
- InsideWis: As trade war escalates, China emerges as the primary targetAugust 10, 2018
- Adding diversity to STEM fields Aug. 28 topic at Innovation Network luncheon in MadisonAugust 7, 2018
- InsideWis: How I spent my summer vacation: Talking about researchJuly 31, 2018
- InsideWis: Early computer science education vital to continued growthJuly 27, 2018
- 'WisBiz: The Show' covers Tech Metrics, Tom Still commentary; interview with Ross LeinweberJuly 25, 2018


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Fiji 7s team has got the talent that could take them far in the tournament - Jones By Apenisa Waqairadovu Saturday 21/07/2018 All Blacks Legend, Sir Michael Jones
All Blacks Legend, Sir Michael Jones believes that the Fiji Airways Men's National Sevens team will be the hot favourites at the Rugby World Cup in San Francisco this weekend.
Sir Michael says the Fiji 7s team has got the talent that could take them far in the tournament.
He also says that this will be the most competitive Rugby World Cup Sevens yet.
Speaking at a meeting with High School rugby captains, Sir Michael said that mighty things can be achieved when one chooses the right people to be associated with.ADVERTISEMENT Listen to the latest news on our 5 radio stations Legend FM, Viti FM, Radio Sargam, FM96 and Navtarang.
Kikau in doubt for crucial NRL game due to visa issues Tuesday 21/08/2018
Kinoya Methodist Church raises concerns with regards to leadership positions Tuesday 21/08/2018
USP teaching assistant makes robot out of old computer parts Sunday 29/07/2018


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Definition of 'panhuman'
Word Frequency
panhuman in British(pænˈhjuːmən)
relating to all humanity
Collins English Dictionary. Copyright © HarperCollins Publishers
Trends of 'panhuman'
Used Rarely. panhuman is in the lower 50% of commonly used words in the Collins dictionary
View usage for:
Nearby words of 'panhuman'
Definition of panhuman from the Collins English Dictionary
5 unusual words & phrases to upgrade your World Cup 2018 banter
Impress your friends, family and colleagues with this unusual collection of football lingo.
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VAR, planebae & a peng sort: July's Words in the News
Catch up on the latest words in the news this July with Robert Groves.
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Join the Collins community
All the latest wordy news, linguistic insights, offers and competitions every month.
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CHICAGO – Orange Day is Friday (July 27, 2018)… as in "Orange is the New Black." That's when Season Six will be available for download from Netflix, as the online series continues to showcase the women inmates at Litchfield Penitentiary, three of whom are played by Taylor Schilling (Piper), Kate Mulgrew (Red) and Dascha Polanco (Daya).
Nathan Lane
Julia Roberts Reflects on Snow White in 'Mirror Mirror'Submitted by PatrickMcD on March 30, 2012 - 2:32pm
Rating: 3.0/5.0
CHICAGO – Since I know I'm the fairest of them all, I won't focus on the symbolic impressions of 'Mirror Mirror.' This is the Snow White legend based on the original story by the Brothers Grimm, and includes Julia Roberts, Lily Collins, Armie Hammer and Nathan Lane in its cast.
'Astro Boy' is Here to Save Whatever is Left of the FutureSubmitted by PatrickMcD on October 23, 2009 - 8:18am
Rating: 3.0/5.0
CHICAGO – The cartoon universe is replete with superheroes, none more distinct than the title character in the new animated film "Astro Boy." Based on a Japanese comic book from 1951, Astro Boy has new life in 3-D cartoon form.


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Find Elder Care in Accokeek, Maryland
Rather have elder care providers come to you?Post a Job
4 Accokeek Elder Care Providers Found (Reset Filters)
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The fast, easy & safe way to find senior care in Accokeek, Maryland
Looking for elderly care in Accokeek, Maryland? Need a qualified Accokeek home care provider? Do you find yourself asking "How can I find experienced private senior care near me?" Your search ends here.
ElderCare.com offers families and individuals looking for elderly care a way to connect directly with a network of compassionate caregivers offering home care, nursing, and other personal senior support services. You select the senior caregiver that is best for your family. With countless candidates to consider in one place, choosing the right caregiver for your needs doesn't get any easier.


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Events for September 8th, 2017
Friday Men's Covenant Group
Time: 6:30am – 8:00am
The Men's Covenant Group is a small group of men that meet for accountability and prayer support.
Friday 8:30am Service
Time: 8:30am – 10:00am
Church services
Friday FUEL
Time: 8:30am – 9:45am
A Bible Study where students come together in a small group for an open discussion on God's Word.
Friday Adult Bible Study
Time: 8:30am – 9:45am
Friday 10:15am Service
Time: 10:15am – 11:45am
Church services
Upcoming Events
Aug17Friday Men's Covenant Group6:30am – 8:00am
Aug17Friday Adult Bible Study8:30am – 9:45am
Aug17The Compelling Community Study8:30am – 11:30pm


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$160000 - $190000 Annual Salary
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If you are looking for a company who are established, have a solid pipeline of current and ongoing work who can offer flexibility and interesting projects then look no further.
This company specialises in the Healthcare/Education/Office Fit Out space and have been operating for over 15 years. Over the past few years they have grown and have a lot of repeat clients - they are aiming to continue this growth over a structured 5 year plan.
An exciting opportunity has arisen to join their team as a Project Manager.
What this role can offer you;
The chance to work as part of a close knit team on some interesting projects
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Being in a leadership role and contributing to the growth of the business
What you will need to be considered;
At least 5 years + experience as a Project Manager
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If you would like to discuss further please apply or call me on the number below.
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French to English Translating
Budjetti $250-750 USD
Looking for someone to help me in translating my doc French to English.
It contains 1000+ words.
89 freelanceria on tarjonnut keskimäärin %project_bid_stats_avg_sub_26% %project_currencyDetails_sign_sub_27% tähän työhön
I can also translate from german to french. I am the best collaborator you need!
I am from Belgium and speak both French and English fluently. I am verry interested in this job and look forward to working with you. Greetings Anton
Hi, I am a French entrepreneur and I lived in the US during my studies. I was studying at Concordia College in Moorhead Minnesota, therefore I am bilingual and can easily translate any document. Also, what's the Lisää
Hi, I'm a French native translator and interpreter. Please tell me more about your 1000+ document that need translation into English. regards Louana
My name is Sharjeel Khan. I am a good translator in any language of the world. I am a professional translator. I got degree from Oxford University London. I have no requirement in this order. Thanks.
salut, ca va? je peux te aider à fair t'as traduction rapidement et alla perfection, je parle bien francais, anglais et italien donc, contact moi
Hi there, I would love to help you translate your book. I am native French band bilingual in English. Greetings from India! Vio
Hello! I can translate any text from French to English flawlessly. I'm more than sure that you won't regret giving me the chance to work with you. Thank you ^_^
I am a certified English and French translator, with experience in a lot of fields. My translations are very accurate, mistake free, within the timeframe and the budget.


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Fill it up!Let's shop
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Creating such a stunningly thin design took equally stunning feats of technological innovation. We meticulously designed and engineered everything about iMac from the inside out. The result is an advanced, elegant all-in-one computer that's as much a work of art as it is state of the art.


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Please note that the address for this place is approximate. Upon booking a stay, the rental owner will provide an exact address. This is a quiet charming Cottage 'Room Only' in a family neighborhood with hardwood floors & private full bathroom. The ambiance with pine antiques & fresh linens is a perfect combination. A 1920's home with a white picket fence with surrounding ... Dining, Dining Area, Books, DVD Player, Satellite / Cable, Stereo, Television, Video Library, Air Conditioning, Internet, Linens Provided, Living Room, Parking, Towels Provided, Coffee Maker, Kitchen, Refrigerator, Balcony, Lawn / Garden, non smoking only, not suitable for children, pets not allowed, wheelchair inaccessible, Adventure, Away From It All, Historic, Romantic, Tourist Attractions, Guests provide their own meals, cottage, churches, cinemas, coin laundry, library, live theater, marina, museums, playground, restaurants, recommended, antiquing, beachcombing, sight seeing, walking, ATM/bank, fitness center, groceries, hospital, laundromat, medical services, fishing, pier fishing, surfing, swimming, wind-surfing
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Minimal Furniture Store
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As adjective
constituting a minimum:a minimal mode of transportation
barely adequate or the least possible:minimal care
As noun
the movable articles, as tables, chairs, desks or cabinets, required for use or ornament in a house, office, or the like
fittings, apparatus, or necessary accessories for something
equipment for streets and other public areas, as lighting standards, signs, benches, or litter bins
Also called bearer, dead metal
pieces of wood or metal, less than type high, set in and about pages of type to fill them out and hold the type in place in a chase
As noun
an establishment where merchandise is sold, usually on a retail basis
a grocery:We need bread and milk from the store
a stall, room, floor, or building housing or suitable for housing a retail business
a supply or stock of something, especially one for future use
stores, supplies of food, clothing, or other requisites, as for a household, inn, or naval or military forces
Chiefly British
a storehouse or warehouse
quantity, especially great quantity; abundance, or plenty:a rich store of grain
As verb (used with object), stored, storing
to supply or stock with something, as for future use
to accumulate or put away, for future use (usually followed by up or away)
to deposit in a storehouse, warehouse, or other place for keeping
to put or retain (data) in a memory unit
As verb (used without object), stored, storing
to take in or hold supplies, goods, or articles, as for future use
to remain fresh and usable for considerable time on being stored:Flour stores well
As adjective
bought from a store; commercial:a loaf of store bread
As Idioms
in store, in readiness or reserve
about to happen; imminent: There is a great deal of trouble in store for them if they persist in their ways
set / lay store by, to have high regard for; value; esteem:She sets great store by good character
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Extended properties jobs
CUSTOM CODING RESPONSIVE WEBSITE. I want a custom coding mobile responsive website of this company. [login to view URL] Including the LANDLORD PORTAL. All backend for landlords & Company Admin MUST BE User-friendly. You must CARRY OUT serious testing too. Website mustLOAD FAST. NO HIGH QUOTATIONS PLEASE
Hi, We have a real estate agency in Spain on the Costa del Sol. We are experiencing high amount of incoming enquiries of potential clients. Would like to have someone like yourself who can phone these leads. Its NOT cold calling , its phoning people who are asking to be contacted. Not all of them will pick up the phone the first time and some others will. Would it be possible to get a better u...
Job Title: Videographer and Editor Purpose of the job: Shooting, editing and delivering high quality images and videos to create innovative, in-house content for Godrej Properties. Qualification: Bachelor's degree/ diploma in in film making Experience: Minimum 2-3 years of experience
Logo design for a property management company/ estate agent . Needs to be nice and simple but creative
...build 10 properties in the Urbandoor system, with the possibility for ongoing work if quality is delivered. Urbandoor is a marketplace for serviced apartments and business accommodations. Our global network of thousands of properties is growing rapidly, and we need help in uploading and organizing the data that creates these properties. We are
I need people to call real estate listings ask them questions like how many bedrooms how many bathrooms what is the square footage of the property and then enter them into our CRM. hours will be on weekends or weekday afternoons Eastern Standard Time New York City
Need a Website where people can view Properties I have for rent, I want to upload pics of properties and information. I also want people to be able to fill or download an application. I want to easily be able to add properties and description
...to add the right click management, that opens a popup menu with the functions: 'Open with', 'Execute as administrator' and open the file properties dialog If you're not comfortable with the open the file properties dialog in .NET, please see the following links. [login to view URL]
I need a process to assist in the extraction on of OLE2 files. All streams and stream properties should be output into a tabular format. Within the files there are also some streams that also present themselves as binary steams that appear to be an unknown format. Looking through them then they are consistent and have the name T4Archive in the header
...which has: - single feed post - share of posts from friends As a second part of the project I am interested in getting the rest of the work done which means the sharing properties (view by All, view by friends - Let's say a simple facebook newsfeed screen.) I need a person that really knows what he is doing with Neo4J. I will share the existing code
Expert of proc IML and understanding of mixed models in survival analysis with different variance covaraince structure. Need help to identify the errors and help finding a solution for the errors make the macro work fine.
I am looking to have extended hands made. Please see attached file for more details. I am looking to get pricing on this whole project which includes (2) hands.
I have a real estate website www.dwarkadeal.com. I am looking for someone who can post properties. It is a very simple task as you just have to enter field like sector, society name, Type of flat and price,etc. For complete list of fields - refer to this demo property : [login to view URL] Number of property to be posted are apx
using [login to view URL] and [login to view URL] to upload ONLY NON-exclusive listings or MY exclusive listings to my Instagram and other social media.
create a single page web application from where you can specify & launch any external HTML page on which the properties of selected web elements needs to be captured and sent back to the main page where this data gets added to a list/table core functionality/workflow: 1. On the page, enter an external website URL and click the button to launch the
I am looking for a business plan for real estate company in UAE that also offers selling properties in Europe to get EU citizenship and PR
create a single page web application from where you can specify & launch any external HTML page on which the properties of selected web elements needs to be captured and sent back to the main page where this data gets added to a list/table core functionality/workflow: 1. On the page, enter an external website URL and click the button to launch the
i want to copy a design of another real estate website: [login to view URL] to my wordpress , and then i want to import the daily updated properties list from CRM to new wordpress website that you already design


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Theodore Beza: The Counsellor of the French Reformation 1519-1605 by Henry M Baird (Paperback / softback, 2004)
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Brand new: lowest price
AU $73.95+ AU $7.99 postage
- Get it by Fri, 14 Sep - Thu, 20 Sep from West Ryde, NSW
- • Brand new condition
- • No returns, but backed by eBay Money Back Guarantee
This is a pre-1923 historical reproduction that was curated for quality. Though we have made best efforts - the books may have occasional errors that do not impede the reading experience. of pages: 398.
Sold byausreseller (148599)97.2% positive FeedbackContact seller


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Diary Post: My Explanation12:40 PM
I guess I should start off by saying that I haven't been updating my "public" social media (this blog, twitter, Youtube, etc). It got me thinking that I should probably update everyone so that I doesn't look like I died or something LOL! I don't know if it's depressed me talking or if I'm just tired. I've been stuck in a creative lull recently. I don't feel motivated to write, draw, or edit anything. I have so many photos from when I went on vacation, but I don't want to post them just yet because it's not "perfect"? I don't know if that makes sense.
I have high expectations for myself when it comes to this blog. I don't want to just post the photos without giving context or writing something along with them. I'm not sure if I've just run out of creativity or if I'm just stuck in a mild depressive state. It just isn't fun anymore. Like I used to be so excited to share everything, but now I feel like I need to spend more time living outside of the web. Maybe I'm just overwhelmed because I know that I only have a semester left until I graduate college and the thought entering the real world scares me?
I've spent the past 18 years of my life in school, and by the middle of next year, I'm going to be out of school. It's actually kinda scary thinking about what lies beyond school. I'm gonna actually go out and get a "real job"! (LOL I'm making it seem a lot worse than it probably is!)
Recently, I've been procrastinating on everything (school work, blog posts, social media, etc). I've always been a procrastinator, but not at the level I am currently at. I'm beginning to realize that this is my way of delaying the moving forward of my life. I think it is because I am actually really content with the way things are right now, and the thought of things changing is scary. Up to this point in my life, I've been really happy. Everything has worked out in my favor recently. Things are great!
I think I'm just scared that life is going to randomly throw me a curve ball and everything is going to change. I don't want to face the future so I'm trying to drag on this moment in time. I need to stop. There is so much up ahead that's waiting for me, but it feels so uncertain. I guess that's why I've been away for so long.
Well, this is me putting my foot to the gas and shifting gears into drive. I've made it out of the dark valley and now I'm moving on towards the city.


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Published at Sunday, 05 November 2017 by Edna Carey in Furniture Home, with total 35 imageries.
are subject to heavy pedestrian traffic.
their anti-slip ribbed top surface and the grooves create slip resistance and enable the safe use of the stairs.
There are no other major distinctions between the two stair nosings, both serve the same purposes. Worn out stair


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San Remo Cafe New York
San Remo Cafe New York is free HD wallpaper. This wallpaper was upload at August 16, 2018 upload by admin in .You can download it in your computer by clicking resolution image in Download by size:. Don't forget to rate and comment if you interest with this wallpaper.
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Baby Bobble Hat Knitting Pattern
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1 Avery Street, Unit 16D, MidtownBoston, Ma 02111MLS Number 72359140
- Rental Price: $5,900The price has recently decreased
|Down Payment
|Interest Rate
Est. Mortgage: $/month
Federal 30-year interest rate: 4.53% last updated on 2018-08-16
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
- 2Bedrooms
- 2Bathroom
- 1131Square Feet
- 2000Year Built
Two bedroom with great city views, floor to ceiling windows and a balcony at the Ritz Carlton Residences. Enjoy urban luxury living in one of Boston's finest high-rises offering 24 hour concierge service, doorman and porter, access to the Ritz Carlton Hotel services and amenities including room service. Wonderful Midtown location across the street from Equinox Sports Club and Loews AMC Cinema. This corner, spacious unit offers private balcony, great closet space, stackable laundry, large master suite with marble oversized master bath, Viking range and convenient city location. One car valet parking and 30 guest parking stickers per month (2 hours each) is included.
Your Local Office
Daniel A. Mullin & Associates
73 Newbury Street
Boston MA, 02116
Office: 617.267.3300
More Info
- Parking Spaces1
- Unit Level16
- Master BathYes
- Bathroom2
- Full Baths2
- Bedrooms2
- Number of Rooms4
- Entry OnlyNo
- BasementNo
- Lead PaintNone
- Exterior FeaturesBalcony
- AmenitiesPublic Transportation, Shopping, Highway Access
- PetsNo
- Appliances
- Dishwasher
- Disposal
- Dryer
- Freezer
- Microwave
- Range
- Refrigerator
- Washer
Basic Information
- Year Built2000
- Date Listed07/10/2018
- Date Available09/01/2018
- Rental TypeCondominium
- Prop TypeRN
- StatusACT
- Status Date2018-07-10T12:00:00
- List Price$5,900
- Term of rental12
- Last Month RequiredYes
- For SaleNo
- MLS Number72359140
- Air ConditionYes
Water Body
- WaterfrontNo
- Number of Photos10
- Year Built SourcePublic Record
- DirectionsRitz Carlton Residences Boston
- Modification Date2018-07-14T04:05:00
- Building Number1
- Street No1
- Unit Number16D
- StreetAvery Street
- TownBoston
- StateMa
- Zip02111
- NeighborhoodMidtown
- Adult CommunityNo
- Lot Size1131
- Sq Feet SourceOther
- Square Feet1131
- Condo AssociationYes
- Cooperative Compensation50/50
- Rent Fee IncludesParking
- Rental TermsLease
- First Month RequiredYes
- References RequiredYes
- DisclosuresTenant to pay move in and move out fee. Tenant to pay for utilities. No pets. No smoking.
- Security Deposit5900
- DisclosureYes
- Insurance RequiredYes
- Deposit Required Yes
Ask A Question
Call: 617-367-7700 or send a message:
2 Bedrooms . 2 Bathroom 1045 Square Feet 0 Acreage Year Built in 2001.
Ritz-Carlton South Tower! Dramatic views over Boston Harbor and the outer islands from high atop the 36th floor!! Generous 2 bedrooms, 2 bath residence. Ample living room and kitchen equipped with granite counter tops, Poggen-Pohl cabinets, Viking gas range, Sub-Zero refrigerator and Miele dishwasher. Direct elevator access to Equinox and hotel lobby and restaurants. Includes 1 valet garage parking. Enjoy Ritz-Carlton signature services includes 24hr concierge doorman, security, valet parking, room service and housekeeping services. More
2 Bedrooms . 2 Bathroom 1162 Square Feet 0 Acreage Year Built in 2013.
15th Flr 2Bed/2bath with great layout at Millennium Place Boston with North East exposure. Unit boasts spectacular views from all rooms, a custom kitchen with gas cooking, stainless steel appliances, open living room with floor-to-ceiling glass windows, hardwood floors, and ample light. Bedrooms have newly installed carpets, fresh paint, and the master features an en-suite marble bath. Unit also has W/D & central air/heat. Millennium Place Boston Luxury Building offers its residents world class services and amenities: 24 hour doorman, concierge, valet parking, private club room with bar/dining options, Theater room, fitness center, Yoga and massage room, children's play room, pets services, and more. One parking space included at the Ritz (self park). Please email me for showings More
2 Bedrooms . 2 Bathroom 1032 Square Feet 0 Acreage Year Built in 0.
Bright, Spacious and Classic- this gracious 2BR/2BA makes a beautiful home in the heart of the city. This unit boasts Brazillian Cherry hardwood floors throughout the home, high ceilings, huge windows offering views over the city and harbor, marble bathrooms, chef's kitchen complete with gas cooking, granite countertops and stainless steel appliances. Luxurious amenities including in-unit laundry, valet-parking, 24 concierge and door attendants plus direct access to the Equinox Gym and Spa, Lowes Movie Theater, Blu Cafe and Artisan Restaurants, Ritz Hotel Lobby and Lounge and more all within the building! One block from the Boston Common and surrounded by shops, restaurants, theaters, conveniences all in exciting Midtown. Rent includes 1 valet parking space. More
2 Bedrooms . 2 Bathroom 1124 Square Feet 0 Acreage Year Built in 2001.
Desirable 2 bedroom with private balcony for lease at Ritz Carlton Residences Boston. Great floor plan with 1,124 square feet and split bedrooms. Kitchen features granite counter tops, top of the line appliances including Subzero Refrigerator and Freezer, Viking Range, and Miele Dishwasher. Kitchen features pass through to living and dining room. Access to private terrace off of living room as well as second bedroom. Master bedroom suite features en-suite marble appointed bathroom with bathtub and walk in shower. Great closet space in this unit & additional storage available for rental at Ritz Carlton Residences. 24-hour concierge service, doorman & pager, on-site property manager as well as security and maintenance. 24-hour access valet parking space included as well as 60 hours of additional guest parking each month. Equinox Flag Ship location at Ritz Carlton features swimming pool, basketball court, squash court, & on-site spa. 3 on-site restaurants & 24-hour room service. More
2 Bedrooms . 2 Bathroom 1195 Square Feet 0 Acreage Year Built in 2013.
Unbeatable location in the heart of Boston! Just a few minutes walk to Financial District and Boston Common. Luxury building with 24 hour concierge and doorman, Building has a private club with casual dining, a lovely bar and lounge area, kids play area, massage room, movie theatre, fitness center and a beautifully cultivated garden. The Ritz-Carlton Hotel and Equinox Sports Club are right across the street. In-Unit Laundry, high-end Bosh appliances. This beautiful corner unit has a lot of natural lights and is located at the quiet corner of the building. Partially furnished with Master Bedroom and living room. Rental includes Heat, Air Conditioning, Hot Water, Gas, Water, Sewer, Exercise Room, Clubroom, Concierge. One rarely available Garage Parking with valet privilege is also included. More
The property listing data and information, or the Images, set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information, and the Images, are for the personal, non-commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information, or as to the accuracy of any of the Images, set forth herein.


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|14h00 - 16h30
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Trump , who is known to watch Fox News while he is tweeting, posted his tweet shortly after a Fox News legal analyst appealed directly to the president during a Thursday morning segment about the coming House vote. National Intelligence Director Dan Coats applauded the House action, saying it was a critical step in protecting Americans and USA allies and "I have faith that my former colleagues in the Senate will follow the House's lead".
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Villa au calme - 11201 is set in Lacanau and offers a terrace. The accommodation is 38 km from Arcachon.
The villa is fitted with 4 bedrooms and a fully fitted kitchen with a dishwasher and an oven. A TV is featured.
If you would like to discover the area, golfing is possible in the surroundings.
Cap-Ferret is 41 km from the villa, while Mérignac is 47 km from the property. The nearest airport is Mérignac Airport, 43 km from the property....
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