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Articles by Cheryl A. Clausen

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255 articles by Cheryl A. Clausen · showing 50

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By Cheryl A. ClausenSep 22, 20071 topic

Time Management Tip: What Type of Learner are You?

You may be wondering how there can be a correlation between how you like to learn and a time management tip, but there is. The way you learn is also the way you like to process information. When you can get information in the format you like to learn in, you can save yourself time and make things easier for you. So think back to when you were in school. Was it easier for you to learn when you could see things like a map, table, or diagram (visual learner)? Were you able to le

Primary topic: Time Management

Time Management

4,803 views

By Cheryl A. ClausenSep 21, 20071 topic

Insurance Marketing: Use Your Marketing To Make A Connection With The Right People

The objective of marketing is getting the attention of people who are interested in learning more about doing business with you. Using also ran marketing techniques that tell the prospect about you and your products is a complete waste of both time and money. If you want to connect with the people youâre marketing to you have to get their attention and provide value. n n Why do you respond to a marketing message? Whether itâs something you get in the mail, something you h

Primary topic: Marketing Strategy

Marketing Strategy

732 views

By Cheryl A. ClausenSep 21, 20071 topic

Career Sales Training: Are You Responsible?

As a sales professional do you take full responsibility for your actions? Do you take full responsibility for what happens to you? You are responsible for your actions, your decisions, and what happens to you. Blaming yourself or anyone else, using excuses, and denial only hurt you and keep you from being able to succeed. n n But the people who are supposed to support you just make things more difficult, and they donât do what they say they will. Ok, so you know this to be

Primary topic: Sales Training

706 views

By Cheryl A. ClausenSep 21, 20071 topic

Master Success: Feed Your Satisfaction Meter and Success will Follow

Youâve probably read books based on the concept do what you love and the money will follow. And you probably didnât feel any closer to understanding what that meant for you after reading the book than you did before reading the book. Thatâs because the concept is a solid one, but youâre missing the critical piece that enables you to put that concept into practice. That critical piece is the interests, attitudes and values that you hold. When youâre doing things that

Primary topic: Success Principles

Success Principles

711 views

By Cheryl A. ClausenSep 21, 20071 topic

Personal Time Management: Organized Brain Storming may Sound like an Oxymoron

When you think about brain storming you probably associate it with something youâve done with a group of people at work. At the time you may even have thought it was kind of stupid and a waste of time as people called out ideas that seemed kind of outlandish to you. This personal time management idea will help you to utilize brain storming to increase your performance and creativity. n n As you go about your daily life your brain is working. Sometimes your brain is working

Primary topic: Time Management

Time Management

757 views

By Cheryl A. ClausenSep 19, 20071 topic

Insurance Marketing: They Have Problems Do You Have Answers?

Why do people view their CPA as their most trusted advisor? Because the customer has a problem and they go to the CPA for answers to painlessly take that problem away from them, and to make their problem the CPAâs problem. How can you completely take the pain away? n n We are an information society. We want information and knowledge fast. We donât want to sort through piles of information we want it in a concise package. We gladly pay others to take something complicated

Primary topic: Marketing Strategy

Marketing Strategy

809 views

By Cheryl A. ClausenSep 19, 20071 topic

Career Sales Training: Where Are All The Opportunities?

You pass up more opportunities each day than you could ever handle. Anyone who wants to be a top producer knows there are two aspects to sales success you need to succeed. First, you have to recognize opportunities others overlook. Second, you need to understand the opportunity well enough that you can communicate how you can solve that problem better than anyone else. All this comes before you even get the chance to âsellâ anyone anything. n n Stop knocking on the same d

Primary topic: Sales Training

682 views

By Cheryl A. ClausenSep 19, 20071 topic

Insurance Agents Financial Advisors: Are You Inspiring & Energizing?

Itâs up to you to be the leader for your business whether youâre a solo professional or have a number of staff. The whole point of leadership is achieving results either through others or yourself. Polish your leadership skills and start getting better results. n n Only the leader can establish the vision for your business. Develop a big picture view of what you want from your business for you, your staff, and your customers. The big picture provides clarity for what youâ

Primary topic: Leadership

730 views

By Cheryl A. ClausenSep 19, 20071 topic

Success & Personal Growth: Know When To Walk

Knowing when to walk is part of personal growth and success. Sometimes youâre just so eager youâre willing to do anything to take a step forward. The problem is when youâre in that situation when you think youâre stepping forward youâre really stepping backward. Success always come through the help of other people. That help has to have mutual value and respect though, or you both come out a loser. n n In your eagerness for success donât allow others to take advan

Primary topic: Success Principles

Success Principles

696 views

By Cheryl A. ClausenSep 19, 20071 topic

Time Management Stress: Are You Dealing With Your Stress Through Procrastination?

Procrastination can actually be a defense mechanism you use to deal with your time management stress. You really donât procrastinate because youâre lazy or have some sort of character flaw. Procrastination can just be your way of dealing with something you arenât comfortable with or about. n n When you realize youâre procrastinating instead of stressing about it get to the reason youâre doing it. Evaluate whatâs really important to you not to someone else, but you

Primary topic: Time Management

Time Management

766 views

By Cheryl A. ClausenSep 17, 20071 topic

Insurance Marketing: Do Your Sales Letters Result in Solid Appointments?

The whole idea behind marketing is to help you fill your appointment book with people who are very likely to do business with you. If your marketing isnât doing that for you stop wasting your money, and stop doing what your doing. If your sales letters arenât working now itâs probably because: youâre sending too many at once, youâre sending them to the wrong people, the message is about you, you arenât following up, it looks like all the other junk mail, and even

Primary topic: Marketing Strategy

Marketing Strategy

821 views

By Cheryl A. ClausenSep 17, 20071 topic

Insurance Agents and Financial Advisors: Do You have a Business Strategy?

Each day as you meet with your clients you challenge them about the future they want, and the one theyâll get if they continue as they are today. When was the last time you looked at your business to see if the path youâre on today matches what you want for your future? Do you have a strategic plan for your business? If you donât how can do you expect to get what you want when you donât have a clear vision or the benchmarks in place to gauge your progress? n n A strat

Primary topic: Entrepreneurs

890 views

By Cheryl A. ClausenSep 17, 20071 topic

Insurance Sales Success: Reason Number 13 You Canât Sell

You donât set appointments for the right reason. The only reason to set an appointment with a prospect is to explore how you can do business together. Yet, many of you are setting appointments for any reason you can think of because you think if you can at least get them to meet with you at some point youâll be able to get them to do business with you. If thatâs your thought process realize this is a guaranteed way to keep you really busy with little or any production t

Primary topic: Sales Training

619 views

By Cheryl A. ClausenSep 17, 20071 topic

Key to Success: Are You Consistently & Persistently Taking the Wrong Action?

Consistently having the persistence to do what you need to do is a key to success. But if youâre consistently and persistently taking the same actions, and they arenât producing the desired result itâs time to reevaluate. You canât expect different results from something youâve proven doesnât work. It doesnât matter if the actions that donât work for you work for 10,000 other people. If they donât work for you, you have to adapt or change what youâre doing

Primary topic: Success Principles

Success Principles

691 views

By Cheryl A. ClausenSep 17, 20071 topic

Effective Time Management Skill: What are You Doing & What are Your Options?

Small business owners, and all independent sales professionals are small business owners, must have effective time management skills. Without effective time management skills you work yourself to death, you get little enjoyment out of life, and you have far less financial rewards than you could have. How can time management have such a tremendous impact on all those aspects of your business? Because when you donât effectively manage your time you arenât focused on doing t

Primary topic: Time Management

Time Management

793 views

By Cheryl A. ClausenSep 14, 20071 topic

Insurance Agents and Financial Advisors: Are You Feeling Frustrated Even Violated?

When you spoke with the recruiter and then the sales manager you were told youâd get all the training you needed to succeed. Now that youâve been in the business nearing two years do you look back and realize that you arenât even close to knowing how to do what you need to do to succeed? Youâre pay structure is coming to an end, it would take a miracle to meet the demands you have for expected sales, and you have no idea what to do. You arenât alone and this is exac

Primary topic: Sales Training

701 views

By Cheryl A. ClausenSep 14, 20071 topic

Insurance Marketing: Do You HA Marketing and Sales Strategy For Pay-Go?

You can ignore it and hope it will go away. But Pay-Go isnât going away, and it could have a devastating impact on your business. With $29 billion dollars at stake the favorable tax treatments of the past are just too tempting a pot of gold. So; you can watch what happened, wonder what happened, or you can make things happen. It only makes sense to me that you better make things happen for you and your business by developing a strategy to reduce the impact Pay-Go will have

Primary topic: Marketing Strategy

Marketing Strategy

760 views

By Cheryl A. ClausenSep 14, 20071 topic

Success Principle: Do You Have Sufficient Self-Confidence for Success?

Self-confidence as a success principle is clearly demonstrated in a sales person. Everyone is in sales one way or another. Whether youâre a business owner, a commission only sales person, or you work within a company. Youâre always selling someone on your ideas to get the desired results you want. This desired result takes you closer to success. n n If you or someone you know are new in sales you project a lower level of self-confidence in your every action than someone w

Primary topic: Success Principles

Success Principles

770 views

By Cheryl A. ClausenSep 14, 20071 topic

Time Management Strategy: Why Are You Meeting?

This time management strategy will help you to make better decisions about meetings. People just love to hold meetings, donât they? You can schedule meetings, plan on who to include in the meeting, prepare an agenda for the meeting, decide on when and where to hold the meeting, etc. All in all a whole lot of time can be invested in meetings either as a result of your choices, or the choices of others. You can greatly change the decision making process and the value you obta

Primary topic: Time Management

Time Management

1,055 views

By Cheryl A. ClausenSep 7, 20071 topic

Insurance Sales Success: Reason Number 6 You Can't Sell

You struggle with insurance sales success because you think everyone is your prospect. No, everyone isn’t a prospect and most of the people you try to appoint aren’t even suspects. You can change your success by changing who you try to appoint. n n Your insurance sales success increases when you only appoint prospects and qualified prospects. In the world at large there are people who have no need for what you have to offer. There are people who are suspects. Susp

Primary topic: Sales Training

606 views

By Cheryl A. ClausenSep 7, 20071 topic

Master Success: What do You Tell Yourself When the Only One Listening is You?

It may sound hokey to you, but you have to master your thoughts if you want to master success. Throughout your waking hours you have an ongoing dialogue running in your head with yourself. For the most part you never really think about this internal dialogue you just accept it. This internal dialogue is what you tell yourself when no one else is listening, and what you tell yourself becomes a self-fulfilling prophecy. n n Now that you’re conscious of this internal dialo

Primary topic: Success Principles

Success Principles

690 views

By Cheryl A. ClausenSep 7, 20071 topic

Personal Time Management: Is it Time to Stop and Evaluate Where You're Headed?

Are you really struggling with time management? I mean really struggling. The kind of struggling that ends up in extreme stress because you’re missing deadlines, losing important pieces of information, scheduling yourself to the point you don’t have a free 15 minute period in your day. I can’t tell you how many of my clients find themselves in this very situation. They’re so time stressed they’re about ready to crack, and they think it’s al

Primary topic: Time Management

Time Management

685 views

By Cheryl A. ClausenSep 7, 20071 topic

Time Management Stress: Peak Performance

Focusing on peak performance can reduce your time management stress. Throughout your waking hours you have times when you are at you’re best mentally and times when you’re at your best physically. If possible you want to organize your activities around your peak times and where your greatest payoff exists. n n When you try to do your mental activities or your physical activities at times other than your peak times you increase your stress and everything takes long

Primary topic: Time Management

Time Management

1,141 views

By Cheryl A. ClausenSep 7, 20071 topic

Success and Personal Growth: Refuse to Accept Defeat

Learning that everything is a potential opportunity requires personal growth that leads to success. When things don’t go the way you want them to, or how you planned it’s easy to hang your head in defeat. But you can’t actually ever be defeated if you refuse to accept defeat. Defeat is only possible if you give up and no longer try to get the success you want, if you give up and refuse to take the actions that will gain the success you want. n n You may not

Primary topic: Success Principles

Success Principles

1,457 views

By Cheryl A. ClausenSep 7, 20071 topic

Insurance Sales Success: Reason Number 5 You Can't Sell

You don’t know how to gain the interest of your prospects. You use marketing to effectively gain the interest of your prospects so they reach out to you wanting to know more about how you can help them. You can use the shot gun approach to marketing which is what the average agent chooses by default. When you use the shot gun approach to marketing be prepared to work very hard, to have a poor response to your marketing message, and to earn an average income. The other a

Primary topic: Sales Training

673 views

By Cheryl A. ClausenSep 5, 20071 topic

Insurance Sales Success: Reason 4 You Can't Sell

Your own fear has a strangle hold on you, and it’s keeping you from insurance sales success. Fear isn’t a logical response it’s an emotional response, and emotional responses have very little if any logic to support them. You’re afraid: to focus on a target market, to ask people for an appointment, no one wants to talk to you, to make phone calls, of marketing yourself, of failing, and of succeeding. You know what you’re afraid, but what you may

Primary topic: Sales Training

690 views

By Cheryl A. ClausenSep 5, 20071 topic

Key to Success for Agents and Advisors: Are You Limited by Your Thoughts?

Overcoming your limiting beliefs is the key to unlock your success. You may not even realize it, but you hold limiting beliefs that are preventing you from having success now or ever. Until you identify your limiting beliefs, and change those beliefs you will continue to struggle trying to achieve success. But success will always be just out of reach because you repeatedly put up roadblocks that keep you from moving forward. Let’s look at just a few of the limiting beli

Primary topic: Success Principles

Success Principles

717 views

By Cheryl A. ClausenSep 5, 20071 topic

Effective Time Management Skill for Agents and Advisors: Moving Toward Ideal

Knowing what ideal is will enable you to move toward it, and doing so is an effective time management skill. When you haven’t taken the time to define ideal you engage in a lot of activities, but those activities aren’t necessarily productive. They aren’t productive because you haven’t clearly defined the ultimate outcome you want. When you define your ultimate outcome it has to account for both the personal and professional aspects of your life so whe

Primary topic: Time Management

Time Management

694 views

By Cheryl A. ClausenSep 4, 20071 topic

Time Management Strategy for Agents and Advisors: Are You Focused on Attracting the Right Clients?

The wrong client base prevents you from being able to manage your time no matter what time management strategies you use. The wrong clients take up the bulk of your time. They are low value and they prevent you from being able to grow your business. They are the first to complain, and the first to cancel their policy or transfer their funds. No matter what you do itâs never enough, and theyâre always price shopping. Early in your career you have the misguided notion that

Primary topic: Time Management

Time Management

579 views

By Cheryl A. ClausenSep 4, 20071 topic

Success Principle for Agents and Advisors: Do You Believe You Can Succeed?

Belief is a state of mind and a success principle you need to add to your tool box. Helen Keller was deaf, mute, and blind and she was able to succeed. Thomas Edison had 10,000 failed attempts before he discovered how to make the electric light bulb. So, whatâs keeping you from success? Could it be your beliefs? Donât think so, keep reading to make sure. Because you wonât be ready to achieve success until you belief you can acquire it. n n You hold certain beliefs based

Primary topic: Success Principles

Success Principles

711 views

By Cheryl A. ClausenSep 4, 20071 topic

Insurance Sales Success: Reason 3 You Canât Sell

You think you need a killer presentation and itâs killing your insurance sales success. Your insurance sales success is never about a âpresentationâ. The only person a presentation is helping is you. You may be using it as a crutch so you donât forget anything, and so you have something to say. You think it helps you to move the prospect forward and gets them to buy into your line of thinking. These are all false premises and the sooner you change your thinking about

Primary topic: Sales Training

663 views

By Cheryl A. ClausenSep 3, 20071 topic

Insurance Sales Success: Number 2 Reason You Canât Sell

The second reason you canât sell is because you donât understand why your prospects donât want what you have. You have exactly what they need itâs as plain as day yet they just donât get it. How can that be? Are they just stupid or lazy or what? None of the above, you are approaching things the wrong way. n n Your prospects donât want what you have because you havenât taken the time to learn about them and their wants. Itâs that simple. If you want to be a sal

Primary topic: Sales Training

627 views

By Cheryl A. ClausenSep 3, 20071 topic

Success Strategy for Agents and Advisors: Turn Your Current Pain into Tomorrows Success

You didnât choose an easy business. The fact that youâre still in the business makes you not only a survivor, but a person who understands success. Yet, each day youâre faced with temporary defeats that if you allowed them to could rob you of your success. Hopefully, you also understand your future success rests in the lessons you can learn from these temporary set-backs. n n Todayâs defeats can only be temporary defeats unless you make the decision to quit. Then and

Primary topic: Success Principles

Success Principles

654 views

By Cheryl A. ClausenSep 3, 20071 topic

Time Management Technique for Agents and Advisors: The Chaos Comes from How You Store Your Details

This time management technique will help successful agents and advisors to control the chaos, and not so successful agents and advisors to be more successful. You have two levels of details that you need to track in your business. You have the action level related to all the activities required to run the business, and you have the customer level related to all the activities required to obtain and maintain a customer. The big problem here is that you try to store too much of

Primary topic: Time Management

Time Management

649 views

By Cheryl A. ClausenSep 2, 20071 topic

Insurance Sales Success: Reason Number 1 You Can't Sell

You think your failures and lack of success is someone elseâs fault. Ok: your sales managerâs a jerk, the underwriters just ruined a perfectly good product, no one is providing you with good marketing materials, everybody already has an agent, you havenât got a great presentation or all the gizmos the competition does, you canât get compliance to approve anything, etc. So what, all that may be true and more, but if you want to succeed itâs entirely up to you and no

Primary topic: Sales Training

684 views

By Cheryl A. ClausenSep 2, 20071 topic

Law of Success: You Canât Get Success if You Wonât Start

Do you know exactly what you want, and what success would look like and mean to you? Do you have clarity about your ideal for success yet you just canât get started? You know you canât get what you want if you wonât start. So whatâs keeping you from starting? n n Could it be that fear is keeping you from success? Doing something new is scary especially if what you want to do will potentially have a big impact on all aspects of your life. If you know what you want and

Primary topic: Success Principles

Success Principles

763 views

By Cheryl A. ClausenSep 2, 20071 topic

Time Management Skill: A To Do List Should be a List of Actions

An important time management skill is the ability to take the thoughts cluttering your mind, and turn them into actions. Ideally the objective of your time management skills is simplification of your very busy hectic life. When you try to store information in your head about what you need to do and remember later your complicating things, cluttering your mind, and increasing your level of stress. When you write those thoughts down in more than one place as random thoughts you

Primary topic: Time Management

Time Management

672 views

By Cheryl A. ClausenSep 1, 20071 topic

Insurance Sales Success: Top 25 Reasons You Can't Sell

Identify the top 25 reasons you can’t sell now, and start your path to insurance sales success. You can’t fix what you don’t know is broken and you can’t solve problems you don’t understand. This article will help you to identify the things within you that are holding you back. Unfortunately, everything on this list is your fault, and it’s all your fault. Accept that and determine what you’ll do to correct your mistakes. n n Only the

Primary topic: Sales Training

849 views

By Cheryl A. ClausenSep 1, 20071 topic

Goal Personal Planning Setting Success: Fail Forward to Succeed Fast

When you set a goal you want to execute it without a hitch, right? That may be what you want, but you know that almost never happens. You run into unexpected problems and challenges and sometimes you allow those challenges to stop you dead in your tracks. Failing forward keeps you moving toward the desired end result, the desired goal for success. n n Failing forward is what you do when you take apparent failures and turn them into opportunities for personal goal planning set

Primary topic: Success Principles

Success Principles

732 views

By Cheryl A. ClausenSep 1, 20071 topic

Time Management Tip: What Outcome Do You Want from Your Time?

This time management tip focuses on the outcome first and then the details. What is the ultimate outcome you want to achieve from your day? If you were to achieve even just that one outcome would it make today a success? What would prevent you from achieving that outcome today? How could you remove this obstacle? The reason I want you to focus on the outcome rather than all the individual steps for right now, is because I want you to realize there may be an easier way to get

Primary topic: Time Management

Time Management

669 views

By Cheryl A. ClausenAug 30, 20071 topic

Sales Development Training: Increase Your Sales Value by Being a Super Connector

Your sales development training may have been all about technique and presentation skills, but you need to develop your connection skills too. Ideally you want to become the go to person for your clients and your clientâs associates. The reason they will go to you is because youâre the guy (using the word guy in a neutral sense here) who knows a guy you knows a guy that can get them what they want. When youâre connected your value and your sales prowess will grow expone

Primary topic: Sales Training

732 views

By Cheryl A. ClausenAug 30, 20071 topic

Fundamentals of Success: What are You Willing to Give for Success?

One fundamental of success is that you wonât get a free ride to success. If you want success you have to know what youâre willing to give to get it. What are you willing to give in terms of your own persistence and determination? What are you willing to give in terms of the value you bring that will make other people want to give you their money to help you to get to success? What are you willing to give in terms of your own personal investment of time, talents, and treas

Primary topic: Success Principles

Success Principles

951 views

By Cheryl A. ClausenAug 30, 20071 topic

Time Management Tip: Are You taking on More than You can Handle?

This time management tip is based on being realistic. Are you feeling frustrated, overwhelmed, and perplexed as to how to get everything done in a day? If you are, it may be time to ask yourself if youâre trying to do more than you can realistically handle. n n In your eagerness to excel, advance, and achieve goals have you become like a kid in a toy store? When you over tax yourself you arenât doing yourself or anyone around you any favors. Do you find yourself making to

Primary topic: Time Management

Time Management

731 views

By Cheryl A. ClausenAug 29, 20071 topic

Sales and Selling Technique: Do You have a Daily Sales Plan?

A daily sales plan is a great sales and selling technique. Your daily sales plan isnât just showing up for work each day making calls, and setting and holding appointments. Thatâs what I call âhopiumâ. When your plan is âhopiumâ youâre just showing up, going through the motions of sales, and hoping something good will happen like some sales. We both know hoping something will happen isnât going to make it actually happen, so how about trying a plan. n n You pr

Primary topic: Sales Training

969 views

By Cheryl A. ClausenAug 29, 20071 topic

Master Success: Are You Willing to Burn Your Bridges?

Youâve been told not to burn your bridges your whole life, but maybe thatâs whatâs keeping you from mastering success. Do you like to play it safe and keep your options open? When you play it safe youâre really giving yourself permission to fail. Youâre giving yourself permission to quit if the going gets rough, and return to your current state. n n What if you refused to give yourself permission to quit? What if you had to make it work one way or another because tu

Primary topic: Success Principles

Success Principles

709 views

By Cheryl A. ClausenAug 29, 20071 topic

Personal Time Management: Are You Focused on being Effective?

Is your personal time management efficiency driven or effectiveness driven? Efficiency comes from doing things right the first time. The adage goes, if you donât have time to do it right the first time when will you ever have time to do it right the second time. Perhaps the real question is, âshould you be doing it at allâ? n n Donât confuse activity with results in your personal time management. For example, a sales person could spend the day getting all their client

Primary topic: Time Management

Time Management

1,638 views

By Cheryl A. ClausenAug 27, 20071 topic

Sales and Marketing Strategy: What's New?

New information is an essential part of your sales and marketing strategy. What new information are you looking for? You should be looking for new information: to improve your own marketing and sales skills, about your product or service, about whatâs going on in the world, and information about what is going on with who. Your new sales and marketing strategies can be found in the âwhatâs newâ that you know about. n n If you want your sales and marketing strategies to

Primary topic: Sales Training

671 views

By Cheryl A. ClausenAug 27, 20071 topic

Success and Personal Growth: Do You Know Your Purpose?

Your purpose is an important part of your success and personal growth. The odd thing is that some people seem to think that they need someone to tell them their purpose, or someone to help them discover their purpose. Your purpose isnât some hidden secret that you have to uncover. It isnât something someone else can tell you or show you. Your purpose is whatever you say it is. Plain and simple. Ideally your purpose is tied to something youâre passionate about. n n Until

Primary topic: Success Principles

Success Principles

658 views

By Cheryl A. ClausenAug 27, 20071 topic

Effective Time Management Skill: Are You a Waffler?

Effective time management skills start with decisions. Do you have trouble making decisions? Do you make decisions by not making decisions? After you make decisions you do change your mind? If this sounds like you, you may be a waffler. Waffling is a time management killer. n n Why is it so hard for you to make decisions? The reason itâs so hard for you to make a decision is that you never know if youâre making the right decision. You donât know if youâre making the r

Primary topic: Time Management

Time Management

2,433 views

By Cheryl A. ClausenAug 25, 20071 topic

Time Management Technique: Can You Truly Get an ROI from Your Time?

This time management technique is focused on getting the most from your most productive time. You spend your time either doing things that are important, interesting, or useful; or doing the things you have to do whether you want to do them or not. You only spend time on the things you want to do when there is time left over. Not everyone is focused on or interested in a return on their investment, but if youâre a person who likes to get a return on your investment who enjo

Primary topic: Time Management

Time Management

660 views

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