Good Financial Products to Sell


S

Stephen

Can anybody recommend any good financial products that can be sold? I'm
seeking all kinds of products to sell, that are good value and give a good
deal to people..., even I am seeking to sell them directly to those people
if the products don't need a special license to sell...as I'm not a
qualified financial advisor.

Any suggestions?

Insurance?
 
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S

SteveL

Try Tradedoubler.com
or cj.com
You can be an affiliate (reseller) for a host of financial
and other products.
Good luck,
Steve.
 
R

Ronald Raygun

Stephen said:
Can anybody recommend any good financial products that can be sold? I'm
seeking all kinds of products to sell, that are good value and give a good
deal to people..., even I am seeking to sell them directly to those people
if the products don't need a special license to sell...as I'm not a
qualified financial advisor.

Any suggestions?
(Re-)Mortgages. You can't sell them yourself, of course, but as
evidently the technical stuff holds no interest for you, and is
way above your head, then if your marketing knack is as good as
you claim it is, there's no reason why you could not team up with
a suitably licenced mortgage broker and go "prospecting" for clients
on his behalf. You would get a cut of the broker's meagre commission.
 
S

Stephen

David said:
The best financial products are the ones without the high up-front charges
that are needed to pay salesmen.

Yah, I would like to sell really good products, with a really good brand,
and well respected.

I'm not experienced nor licensed to give financial advice though..but I am
able to sell a product if I believe it is a good one and can be trusted.

If I would use it then I can sell it...but if I would'nt use it or buy it
myself, then I would be no good at selling it...
 
S

Stephen

Ronald Raygun said:
(Re-)Mortgages. You can't sell them yourself, of course, but as
evidently the technical stuff holds no interest for you,
Now just hold on a minute old chap! Let me just say that I have the ability
to understand any kind of financial product..I just meant I am not
experienced at selling some financial products.....I am quite able to deal
with any financial product and understanding it intricately.


and is
way above your head, then if your marketing knack is as good as
you claim it is, there's no reason why you could not team up with
a suitably licenced mortgage broker and go "prospecting" for clients
on his behalf. You would get a cut of the broker's meagre commission.

Interesting point! I've never sold any financial products before, but
allways I am willing to learn...from those who are more experienced than me.

Does your Boss sell alot of financial products Ronald? Has he got you
 
R

Rob Graham

Well, you're going to need to be authorised by the Financial Services
Authority for a start, if you're going to sell investment-type products. And
you'd need PI cover in case you were sued by one of these poor people who
bought a product without knowing whether it was suitable for them.

Rob Graham
 
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S

Stephen GoldenGun

Rob Graham said:
Well, you're going to need to be authorised by the Financial Services
Authority for a start, if you're going to sell investment-type products. And
you'd need PI cover in case you were sued by one of these poor people who
bought a product without knowing whether it was suitable for them.

Rob Graham
Thanks Rob,

I was wondering if there where any products which did'nt need the seller to
be having licenses etc.... I was thinking about things like insurance...and
such things.
 
R

Rob Graham

Well, I suppose you could sell some of the unregulated term assurances, but
they'll be regulated before long and I personally don't think anyone who has
not got the proper qualifications should sell this stuff at all. Should a
client have a term policy if a whole-of-life one (mostly regulated products)
might be a better bet - but won't get one because the seller is not allowed
to offer it? What about putting the policy in trust? Is that a good idea,
and if so, what sort of trust? I think the area's a minefield for the
uninitiated.

What about term critical illness cover? Are you prepared to take the flack
from a client who discovers that critical illness definitions have changed
and he could have had something else?

Buildings and contents insurance might be something you could do. That's
called general insurance (along with motor insurance and the like), but do
you know anything about it? What happens if someone's house burns down?
Anyway, this is likely to be regulated one day. They've already had a
half-cock go at it with GISC, which seems to have petered out for the
moment.

Sorry to be so negative, but I'm very anti people selling things they don't
know anything about, particularly if it could affect people's lives in a
major way.

Plenty of people buy insurance without advice and then there's no comeback
on anyone. The buyer may or may not know what they're doing, but from what
I've seen the ironic thing is that they'd get a better deal, and with
advice, via an IFA. There's a misconception that this is necessarily the
expensive way of doing it.

Rob
 
T

Tiddy Ogg

This talentless telephone jockey wants something to make a quick
return, and sod the customer. His only interest, as shown in previous
posts, is his own self.
Why don't you sell racing tips, Steven?
Much easier, and if you spread your selections you'll get a few
temporarily satisfied customers.

- Tiddy.

Contact me in plain text only at The Mutual address above,
(all html and attachments are blocked,)
or via my perverted poetry site:
http://www.btinternet.com/~tiddyogg
 
R

Rob Graham

I would be good at selling a product which is backed by a brand name, such
as Norwich Union, I would be interested to sell things that are easily
sold..and are clear and conside and backed up with the stamp of the people
who make the product...
I've got no problem with the selling of a good brand name, etc., etc. The
point I'm making is, is the product suitable for the customer? If you were a
car parts salesman you could sell someone a fantastically reliable and cheap
starter motor made by a very reputable company with an excellent brand name,
but if the problem is that his lights don't work it's not a lot of good for
him. I know I'm stretching a point here, but you see what I mean perhaps.
The customer may not realise he's got the wrong product (although in my
example he probably would).

Rob
 
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S

Stephen GoldenGun

Rob Graham said:
I've got no problem with the selling of a good brand name, etc., etc. The
point I'm making is, is the product suitable for the customer? If you were a
car parts salesman you could sell someone a fantastically reliable and cheap
starter motor made by a very reputable company with an excellent brand name,
but if the problem is that his lights don't work it's not a lot of good for
him. I know I'm stretching a point here, but you see what I mean perhaps.
The customer may not realise he's got the wrong product (although in my
example he probably would).

Rob

Point taken, I know what your saying Rob, thanks for elaborating on that.

This brings about a deeper and wider issue about "misselling products".

I am talking about the more simple range of products.
 
S

Stephen GoldenGun

Tiddy Ogg said:
products.
This talentless telephone jockey wants something to make a quick
return, and sod the customer. His only interest, as shown in previous
posts, is his own self.
Why don't you sell racing tips, Steven?
Much easier, and if you spread your selections you'll get a few
temporarily satisfied customers.

- Tiddy.
I think your posts say more about you than anybody else.

You don't even know anything about me you ignorant fool, "investment type
products"...I am talking about insurance and non complex products.

As regard making a quick buck and sodding the customer, that is exactly the
opposite of what I have said in any posting.

If your going to try to be a troll, at least have the intelligence to do it
properly.
 
S

Stephen GoldenGun

Come on Tiddy Ogg, the voice of intelligence I challenge you to demonstrate
in my previous postings where I show that I am seeking to not care what I
say?

I have noticed that unlike the majority of posters who exhibit intelligence,
wit and have something allways constructive to say.

You have nothing intelligent to say about anything except if you can try to
hurl an insult..without reason.

So come on Tiddy, why don't you explain yourself.


Where are all your postings regarding finance? Regarding putting across
points, everybody else who is a regular contributor is demonstrating

1/ Intelligence
2/ Making a point.
3/ Can tell the difference between humour and serious discussion.

You are the only person who makes malevolent and personal remarks on this
forum.....
 
R

Ronald Raygun

Stephen said:
I don't believe in gambling...I therefore would not want to sell something
I don't believe in.
Surely you don't believe in PVC double glazing...
Encouraging people to gamble is a mugs game..nobody wins.....
False. Gambling may be a mugs' game, encouraging them to gamble
is a whole nother kettle of fish.
To me gambling is peddling false hope..
Not much different from PVC glazing then.
Although I see your product is probably positive in that it tries to limit
what people loose.
Exactly. The idea is to make them lose less, make the bookies win
less. Might even be used to wean them off it. Perhaps a wholesale
deal could be arranged through Gamblers Anonymous.
..but the point is I know nothing about gambling,
nothing about horse racing,
You have a brain the size of a planet, or so you would have us
believe, so let me assure you I could explain to all you need to know.
I just know that the only winners are the
bookies..and they are not gamblers they are astute businessmen.
They are recycled chefs. They now cook books.
 
T

Tiddy Ogg

Come on Tiddy Ogg, the voice of intelligence I challenge you to demonstrate
in my previous postings where I show that I am seeking to not care what I
say?
I admit I have not read by any means all of your waffle, but you admit
to being abused when telemarketing. That suggests you are trying to
market the wrong products to the wrong people in the wrong way... so
to whose benefit is that?
You carolled about the benefits of background music, and when a poster
he said he hated it, you still tried to convince him he did, because
it was carefully chosen.
You seemed to revel in the placing of goods seductively in
supermarkets, to cajole the customer into buying things that he did
not need, and would be harmful, (forget the diet.)
None of this is in the customer's wider interest, hence the burgeoning
industry in debt counselling and similar organisations.
You claim to know nothing about horse racing, thus reject it, but know
equally little about financial products, except that you think
flogging the things is a good little earner.
You thus jumped at the chance to enter the re-mortgage market,
ignoring the word "meagre" in the reply, to indicate the return you
would get.
All this reveals a lack of intelligence, despite your boasts to the
contrary, and a great amount of immaturity.
I quite understand your desire to get out of the phone jockey rut to
at least do it for your own benefit, but there is no such thing as a
get-rich-quick scheme that doesn't hurt somebody.

- Tiddy.

Contact me in plain text only at The Mutual address above,
(all html and attachments are blocked,)
or via my perverted poetry site:
http://www.btinternet.com/~tiddyogg
 
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S

Stephen GoldenGun

Thankyou for responding to the points I challenged you on...and give me a
chance to reply...to the allegation of being a "telephone jocky with no
talent" which was both personal and rude and more to the point..down right
unkind....

I admit I have not read by any means all of your waffle, but you admit
to being abused when telemarketing.
It is part of the job...have you not seen "airport"?? Have you not seen how
people are abused at customer service?
It is about numbers, you get unpleasant people who are unpleasant,
disagreeable, and rude because it is part of their nature....thats all.


That suggests you are trying to market the wrong products to the wrong
people in the wrong way... so
to whose benefit is that?
..

How many times have you just met a plan rude person.....rude for no other
reason that being unpleasant..just like on this forum you get a very few
people who are having nothing to say but things which are "personal"
"unkind" or unpleasant...just like people in the real world..

You carolled about the benefits of background music, and when a poster
he said he hated it, you still tried to convince him he did, because
it was carefully chosen.


You seemed to revel in the placing of goods seductively in
supermarkets, to cajole the customer into buying things that he did
not need, and would be harmful, (forget the diet.)
You are again putting words into my mouth! The correct interperation is of
what they are "doing"...I am explaining how powerful marketing is....
Whether it is good or not, is a different matter and different subject...

I am talking about the industry, as a whole, my point is how important it
is..

But besides that, why do I have to be called a "tallentless phone jocky"
just because I might ahve a different opinion..let us say I am wrong? So why
should i deserve to be called that?

When you say something personal about a person, it takes you away from being
credible....the golden rule of any debate anywhere is that i f you make it
personal, your credibility is gone....



None of this is in the customer's wider interest, hence the burgeoning
industry in debt counselling and similar organisations.
You claim to know nothing about horse racing, thus reject it, but know
equally little about financial products,
I said I am not an expert in financial products, and would not sell them
unless I was trained. You again are trying to twist and distort what was
said.

I specifically talked about INSURANCE..If you READ what I said You would SEE
I MENTIONED INSURANCE!!!!!! or htings that I do not need to be qualified to
SELL....

You sound like your really bitter and twisted about something or other...

You are not quoting me at all, instead you are just making false
claims.....and insinuations..not one thing yo have said is TRUE...give me
quotations..my remarks are all here...but your not using direct quotations
are you? Instead you are putting your own twisted interperations upon them
whcih are entirely false.


except that you think> flogging the things is a good little earner.

That is where you are wrong? This is YOU saying this, I have never said it
is a "good little earner" those are your words........You keep putting false
words and twisting what is said..to suit your own unpleasant agenda....

Fine if you don't like me, I could'nt care less....But I object to you
posting or trying to portray a DISHONEST picture about what I say! Is that
fair enough?

You thus jumped at the chance to enter the re-mortgage market,
ignoring the word "meagre" in the reply, to indicate the return you
would get.
Are you mad? I have not jumped at anything, I am generally asking...about
things in general....and excuse me, if I am interested in earning the best
amount of return for the work I do..


All this reveals a lack of intelligence
Your frank accusations that upon being challenged you cannot at all
substantiate..except by your constant personal attack, you have nothing of
substance, your just twisting things to justify your completely unecessary
unpleasant accusation..

, despite your boasts to the contrary, and a great amount of immaturity.

You can't accuse me of being immature, you don't even know me, your opinion
matters not at all to me, becase you have nothing constructive to say ever
on this forum, except to make personal attacks upon people........without
backing them up...or having the intelligence to make accurate assesments.

Nor do you seem to understand when things are being talked about with a
humourous overtone...

I quite understand your desire to get out of the phone jockey rut to
at least do it for your own benefit, but there is no such thing as a
get-rich-quick scheme that doesn't hurt somebody.
Where on earth have I ever said I wanted a "get rich quick scheme"???

And not only have I never used that terminology, you are again colouring
your opinions based on nothing but your constant tirades of inaccurate
rubbish...twisted to support your opinions..

Your nothing but an unpleasant person who wishes to hurl personal insults
without any justifiaction other than whatever I say you don't like....

You are just being unpleasant and my opinions or points are just not to your
liking and that is all, nothing more than that.

The proof of this is that you are not able to QUOTE what I say, you just
rehash it with your own twisted and false interperations.............
 
S

Stephen GoldenGun

Ronald Raygun said:
Surely you don't believe in PVC double glazing...
PVC Double Glazing! I have never sold it, but if I was to sell it, then I
would make sure I researched and found the best product at the best price,
then I would see the benefits gained by the client and then would have no
problem with selling double glazing at all. If there was a decent profit
margin that would be good.

I prefer to sell that which is giving the highest return and best value for
money for the client..also.
False. Gambling may be a mugs' game, encouraging them to gamble
is a whole nother kettle of fish.


Not much different from PVC glazing then.
Ohhh Ronald Raygun......I dont know about double glazing, but it is
popular...for what reasons? It is low maintenance, it lowers peoples fuel
bills, and when people are old and sick it can save lives, due to keeping
the warmth in the house, where older people might get sick due to drafts and
cold weather..

I bet that all old folks houses have got double glazing in them..

Exactly. The idea is to make them lose less, make the bookies win
less. Might even be used to wean them off it. Perhaps a wholesale
deal could be arranged through Gamblers Anonymous.
I know you Ronald, you may be just taking the micky.....!!
You have a brain the size of a planet, or so you would have us
believe, so let me assure you I could explain to all you need to know.


They are recycled chefs. They now cook books.
There are certain industries I would advise anybody to stay away from...

!/ Gambling Dens.
2/ Houses of Ill Repute.
3/ Nightclubs.
 
S

Stephen GoldenGun

One final thought...

On many many postings I have stated, that my idea of business is to sell a
QUALITY PRODUCT at a LOW PRICE and in HIGH VOLUME!

I have demonstrated this fundamental business princple many times...in my
thinking...



So that again is proof, of your ignorance in making provocative TROLL like
statements, that try to say I am out to "fleece customers"...

Or sell products I'm not knowing anythign about.


Any intelligent person could see from my many many examples of what I've
written that this is nothing further from the TRUTH.




You appear to be a TROLL, and to say inflamatory remarks to do nothing but
stir up someone.....

Please don't waste your time tiggy with me because I prefer to reply to the
intelligent posters who are having something genuine to debate, or have
something to contribute..

Small little nobodies with nothing but spite or unpleasant motivations are
of no interest to me...
I therefore am not going to reply to you unless you can say something
backed up, even if you disagree, it is fine, but if you have the
intelligence to do it politely and in a civilised way, then I will respond.
only...

Otherwise I have no interest to reply to someone of your caliber.
 
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R

Ronald Raygun

Stephen said:
PVC Double Glazing! If there was a decent profit
margin that would be good.
Good for the manufacturer. As a salesman you only get commission
so you don't care what the profit margin is. The profit margin on
PVC DG is enormous, by the way. It costs peanuts to make.
I prefer to sell that which is giving the highest return and best value
for money for the client..also.
Those two objectives, I fear, are mutually exclusive.
Ohhh Ronald Raygun......I dont know about double glazing, but it is
popular...for what reasons? It is low maintenance, it lowers peoples fuel
bills, and when people are old and sick it can save lives,
Utterly wrong. You as a marketeer should know. The reason there's
a lot of DG out there is becuase it has been high-pressure sold.
It is a monument to the power of marketing. You see? Just what
you've been saying all along. Marketing has created the DG industry.
due to keeping
the warmth in the house, where older people might get sick due to drafts
and cold weather..
So now instead they get sick due to absence of drafts, i.e. poor
ventilation, excess damp, mould everywhere.

PVCDG is low-maintenance while it lasts, but it has a short life.
I know you Ronald, you may be just taking the micky.....!!
As if. Here I am with a great idea which will save the world
and make a little pocket money for me, and all you can do is
scoff. Not a very good salesman, are you, GoldenBoy?
!/ Gambling Dens.
2/ Houses of Ill Repute.
3/ Nightclubs.
You have high morals I see, perhaps those activities are
against your religion. All the more amazing that you choose
to defend the second-oldest profession, i.e. selling, which
is inherently dishonest. You see, the trouble is that it
starts out innocently, but of course the aim of the game is
to show your wares in the best possible light, so a little
exaggeration is only natural, and one things leads to another
and before you know it your product bears no resemblance to
your description of it.
 

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