8 Reasons Why You'll Want to Keep Your FSBO Marketing Program a Secret
8 Reasons Why You'll Want to Keep Your FSBO Marketing Program a Secret
If you're anything like me, you probably love to brag and tell people including your co-workers, how well you're doing. It's only human nature. But if you're currently marketing to For Sale by Owners (FSBOs) or about to start your program, here are some good reasons for keeping your efforts under wraps and cloaked in secrecy:
1. For Sale by Owner marketing is a niche with very little competition. What has always amazed me is...why almost all loan officers, originators, and mortgage brokers avoid this part of the market like the plague. Goodness...it's like going fishing and knowing full well that the pond is just over flowing with lots of keepers...and, you're the only fisherman for miles around.
2. For Sale by Owner marketing is less intimidating if you're new to the mortgage business. As a "newbie" would you feel more comfortable calling on Realtors/Agents or FSBOs? I'll let you answer that question.
3. For Sale by Owner marketing allows you to become an expert in a niche marketing area very quickly. You can easily become known as the FSBO person in your area and the expert that people seek out for advice and information.
4. For Sale by Owner marketing is an absolute great way to generate a never ending supply of inexpensive purchase mortgage leads.
5. For Sale by Owner marketing is extremely low cost. I like to refer to it as..."a low budget method of marketing."
6. For Sale by Owner marketing provides you with purchase money mortgage leads without Realtor and Agent involvement and all of the schmoozing that's normally required to get their business.
7. For Sale by Owner marketing drastically shortens the normal mortgage sales cycle resulting in a filled pipeline and most importantly, quicker commission dollars in your pocket!
8. For Sale by Owner marketing builds quality relationships with Realtor/Agents on your terms and conditions and most importantly, when you want them. You are in total control...not the Realtor/Agent.
As a Corporate Mortgage Trainer, I always introduced my students to For Sale by Owner marketing in this way:
"Put into motion your FSBO marketing program immediately...concentrate on it...learn the program from A to Z...improve on it...add your personality to it...make it your area of expertise...brand yourself as a knowledgeable FSBO expert...and, you'll have more mortgage business than you can ever handle. As a result, you'll find yourself among a very elite group of loan originators...and, you can laugh about it all the way to the bank."
Just as a reminder, keep your For Sale by Owner marketing program a secret. Here's to your continued mortgage marketing success.
Tom Domin is the author of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter that is geared for Mortgage Professionals. You can sign-up by visiting
http://www.mortgagemarketingtoolkit.com/.
Mortgage Lead ProgramsLive Mortgage LeadsMortgage Lead TransfersLive Mortgage LeadsMortgage Lead ProgramsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsMortgage Lead Programs
A Guide to Buying a Property in Greece
Guide to Buying Property in Greece
Overview
The Greek Property Market
Perhaps it was the attention drawn to Greece when the Olympic Games were held there in 2004. Perhaps it was the entry of Greece into the European Union. No matter what the primary reason, Greece has begun to attract an ever growing number of foreign nationals who are investing in real estate in that country since the turn of the century. Indeed, to utilize an overused term -- when it comes to real estate, Greece is hot.
The greatest deal of real estate activity in Greece involves property that is used for vacation or holiday purposes. In point of fact, some of the fastest moving real estate markets in all of Europe are those that are located in Grecian resort communities. Literally thousands of people from a wide range of different countries can be found snatching up real estate in one or another of the various Grecian resort areas.
Foreign nationals have also invested heavily in commercial properties in Greece, particularly in the larger cities in the country. This includes investment in properties that house retail operations and enterprises as well as office buildings. The demand for office space within Greece -- again, particularly in the major cities -- has increased dramatically since Greece became a part of the European Union.
Investment Property in Greece
Again, in the aftermath of the Olympic Games, many real estate analysts maintain that the country -- particularly in and around Athens -- has been overbuilt, at least to some degree. This is a natural result in the aftermath of the Olympic Games and other large scale events such as the World's Fair.
In any event, this renders Greece an ideal locale for investment in real estate of all sorts -- industrial, commercial, residential, holiday property. This factor, coupled with Greece's admission into the EU, renders it a prime spot for realty investment. A significant number of foreign nationals have been attracted to the profitable Grecian real estate market at the present time.
Residential Real Estate in Greece - Single Family Properties
Low cost single family dwellings are rather difficult to find in the Athens metro-plex. If a person is interested in residential housing in that part of the country, the best bet at this point in time is apartments (which will be discussed in more detail shortly).
Understanding the functionality of the Athens residential market, there are a number of different areas beyond Athens in which single family residences can be purchased for a reasonable amount of money.
In addition, in different resort areas around the country there are some splendid (and pricy) villas and other properties that are attractive to well heeled foreign nationals who want second homes and holiday properties. With little difficulty on the hunt, a person with a bankroll to spend, can locate and purchase these types of homes.
Finally, there are farmsteads in different parts of Greece that are on the market. Some foreign nationals have taken to purchasing these types of properties which they then renovate and turn into magnificent second or holiday homes. Oftentimes, these properties can be purchased on the cheap and improved with only a moderate investment and expenditure. There are some foreign nationals who have taken to buying and then improving these properties after which they put them on the market and turn a tidy profit.
Residential Real Estate in Greece - Apartments
With the return of the Olympic Games to Greece, there was a boom in the number of apartments that were being constructed in that country, particularly in and around Athens -- the site of the games. Once the games concluded, there was a general consensus that developers had overbuilt apartments in Greece, again particularly in and around the capital city.
With this said and understood the apartment market in Greece (most especially in and around Athens) truly has become one that favours buyers at this point in time. Consequently, many foreign investors have been active in purchasing apartment properties in Greece. Many such foreign property buyers have realized outstanding deals in the apartment market in Athens and in surrounding communities at the present time.
Holiday Property in Greece
As has been mentioned previously, the vacation or holiday real estate market in Greece is "hot." Indeed, the demand for vacation real estate has continued to increase each and every year since the turn of the century.
The country of Greece is dotted with some of the most extraordinary resort, vacation and holiday destinations to be found anywhere in the world. Tourists from around the globe can be found flocking to Greece each and every year.
An ever growing number of foreign nationals have turned to purchasing vacation or holiday properties in different locations around Greece for two primary reasons. First of all, and as was noted, Greece is a very popular travel and tourist destination. Thus, many of these people are making the purchase of this type of real estate for their own, personal purposes. Through the ownership of this type of real estate, people -- including extended families --can enjoy extended holidays in Greece.
In addition to purchasing vacation properties for their own usage, some farsighted individuals are purchasing this type of real estate so that they can then, in turn, rent or lease these properties to other individuals. Because of the large number of people who travel to Greece each and every year, this type of real estate investment is proving to be very profitable for a significant number of foreign nationals.
Mortgage Options
When considering the options for a mortgage on your overseas property there are a couple of choices to consider;
Do you consider raising finance on your existing property in the UK to cover the whole cost of your purchase abroad? A good idea if the interest rate in the country in question is a lot higher than it is here in the UK as you will pay a lot less in monthly repayments.
Do you secure a mortgage against the property from a local bank in the country of purchase? This can be a wise option especially if the interest rate is lower than our current UK interest rate. Most overseas mortgage / bank lenders will require upto 30% deposit on mortgages. However, you will need to give some thought to how you will service your mortgage payments each month especially if you are not living or earning in that country as you may well lose out on exchanging money each time to cover monthly expenses. Check out our Foreign Currency page to see how you can save money in this example
Some Builders and developers may well offer their own mortgage facilities on their properties for sale. This can be beneficial to both parties depending on the logistics of the mortgage or loan facility. Always check and compare with the two options above before making your final descision.
For more details on Mortgages in Greece visit our Mortgage page in the Greece section.
Specific steps to buying real estate property in Greece
On many levels, buying real estate in Greece -- particularly if you are a foreign national -- can be a rather complicated and sometimes confusing process. However, by understanding the process up front, and by understanding the various requirements and regulations that apply to foreign nationals seeking to buy real estate in Greece, a foreign citizen can successfully acquire property in Greece.
As a general rule, a foreign national actually can purchase real estate in most parts of Greece. However, a foreign national who is not from a European Union nation must obtain the prior approval from the local prefecture in certain areas in Greece: some regions of northern Greece, Rhodes and Crete. Many real estate agents aid foreign nationals in obtaining the necessary permission in these areas. Obtaining this permission from a local prefecture generally does not take a great deal of time and usually is granted without significant fuss.
Before anyone -- a citizen of Greece, the EU or another foreign national -- can purchase real estate in Greece, that person must first obtain a tax role number, known in Greece as AFM. This number is easy to get and can be obtained at any tax office in the country. The tax number can be obtained from these offices on the sport. Citizens of Greece or another EU nation need only show their government issued ID card. Citizens of other countries must show a passport to obtain the AFM.
Grecian authorities are very concerned about where a foreign national is obtaining money to purchase real estate in Greece. As a consequence, a person from another country interested in buying property in Greece will need to obtain what is known as a "pink slip" for wire transfers of money from abroad. The purchaser has to be able to demonstrate where the money is coming from and if he or she cannot, Grecian governmental authorities will consider any money wired into the country as income and will tax it accordingly.
In addition, money to purchase real estate in Greece must come directly from a Grecian bank and bank account. Therefore, before a person can actually make a purchase of real property in Greece, he or she will need to open a bank account. Provided that a person has proper documentation, and provided that a person has the pink slip to demonstrate the origin of the money involved, it is not difficult to open a bank account in Greece.
A public notary -- who is an independent official -- oversees the real estate purchase process. Once an offer is made on the property, a preliminary contract is drafted. A deposit of up to about 10% is placed on the property at the time this agreement is executed. (The deposit is not refundable unless the seller somehow disrupts or ends the sales process or unless clear title to the real estate cannot be had in the time allotted under the preliminary contract.) After the buyer obtains his or her financing, and the seller satisfies his or her own obligations under the preliminary agreement, a final contract is signed between the parties.
With the execution of the final contract, the ownership of the property will be conveyed legally to the buyer. The final contract is signed before the public notary. In addition, according to Greek law, the real estate agent or agents who have been involved in effecting the sale must be present for the signing of the final contract.
Property Abroad always recommends using a Solicitor or Lawyer.
Les Calvert the Director writes numerous articles for websites and tabloids.
Mortgage Lead ProgramsMortgage Lead ProgramsLive Mortgage LeadsExclusive Mortgage LeadsExclusive Mortgage LeadsMortgage Lead ProgramsMortgage Lead ProgramsLive Mortgage LeadsExclusive Mortgage LeadsVoice Broadcasting
Forex Trading Risk Management
Recent years we witnessed increasing numbers of Forex investment opportunities in United States. However, it is common that one afraid of being involved in Forex market because of high risk in this trading field. Although every capital market involves certain level of risk, the risk of loss in foreign currency trading market can be extensive. It would be wise to learn about the potential risk (and managing it) if you wish to trade in Forex market.
Knowledge
Needless to say, knowledge is the key of handling your risks well. Before you get into Forex market, the best thing you should do is educate yourself. What drives currency price movement? How to read analysis data? How to read chart indicators? Learn detail about how currency price move and how to trade foreign currency exchange in order to avoid unnecessary risks. If you wish to learn more,
http://www.golearnforex is a good source for Forex beginner education.
Forex dealer
Choosing the right FX dealer is a way to avoid unnecessary risks. Forex dealers are not all regulated the same way. Although Forex dealers must be regulated by law, firms and individuals can solicit retail accounts for Forex dealers and manage those accounts without being regulated. As a trader you should take up the responsibility of finding out if your Forex dealers are regulated. If they are not, you may be exposed to additional risks.
Also, beware of dealers with investment schemes that sounds too good to be true. Pay extra cautions to dealers that you first knew and always look into the investment offers. If you are from United States, you can always refer to CFTF (at
http://www.cftc.gov) or NFA (at
http://www.nfa.org) for further information.
Forex market is a non-centralized market. There is no common market place for Forex traders and there is no so-call 'standard' in foreign currency exchange price. Different Forex dealers offer very different deals to their customers. As an individual FX trader, you depends solely on the dealer to make a transaction in your trades, thus picking up the right dealer is extremely crucial in your risk.
Stop loss order
Besides depending on the Forex dealer, a stop loss come very handful if you wish to limit your risks. Always trade Forex with a stop loss order as it will assure you to exit market in a price that you can handle the losses. As an example, if you purchase 100k of EUR/USD at 1.2050 expecting the EUR/USD to rise in value, and your stop is placed at 1.2020, you are guaranteed to be filled at your price (except in very volatile market.)
To leverage or not?
One way to manage your risks well in Forex market is to trade without overleveraged. Forex dealers want you to trade with high leverage values as this means more spread income for them. Also, trading in high leverage may increase your profit or your losing. There are high possibilities that one lose money more than he or she can afford in margin trading.
Conclusion
You come to this article probably because of you are new to FOREX and were looking for some readings on the Internet. To be frank, Forex can be very profitable but the risk lie beneath is equally great. But what else in life does not involve risk? You can be fired from your job, factory may malfunctions, stock market may collapse, your boss may runaway with your wages, and hey! These are all risk. Learning in risk management is the key to handle your life.
Trade smartly, and gain the maximum out of Forex - good luck!
Teddy Low, experienced writter and webmaster. Learn Forex currency trading from scratch at his latest website
http://www.golearnforex.net.
Mortgage Lead ProgramsMortgage Lead ProgramsLive Mortgage LeadsLive Mortgage LeadsExclusive Mortgage LeadsLive Mortgage LeadsMortgage Lead ProgramsLive Mortgage LeadsExclusive Mortgage LeadsLive Mortgage Leads
How To Find First Time Home Buyers...Your Never Ending Supply Of Mortgage Prospects
How To Find First Time Home Buyers...Your Never Ending Supply Of Mortgage Prospects
Regardless of the "doom and gloom" mortgage stuff that is being publicized these days, the first time home buyer market just doesn't waiver very much. Suffice it to say, this is the area that you need to originate mortgages from to survive in the mortgage business.
Your mission...should you choose to accept it...is to find those young couples that are renting, who are first time home buyer candidates. Now, this message won't self-destruct in thirty seconds, but I hope this little tip will make you think or re-think your first time home buyer marketing.
This idea is really quite simple: just place a nice ad in your "Apartment Weekly" or whatever local rental magazine you have in your area or place a little newspaper ad in the "Homes for Rent" or "Apartments for Rent" section of your local paper. Place a nice border around the ad...make it attractive and appealing. Here's an example of how your ad may read:
"Wanted...Young married couples who are sick and tired of renting and want to own their own home using almost nothing down. Come to my website at localmortgageperson.com and see what we can do for you! Stop renting and start owning now! There's never been a better time!"
This works even better with a good apartment complex flyer/mailer/drop-off. Hit every apartment complex with a good looking one-page message that does nothing but direct them to your website. Post it on their bulletin boards as well.
Simultaneously with doing this, you should add a page to your site to capture the contact information of those people who respond Its called a "capture page" and should appear when they click on "Looking for your first home? Click here!"
That "click here" takes them to where your smiling face looks out at them with a very brief message: "Please enter your name and phone and I will call and acquaint you with what we can do for you!" They enter their information...you say "Thank you, I will be in touch shortly." The result of all of this is a good solid mortgage lead.
Now, if you don't have a personal mortgage web site to take advantage of this, shame on you! Get started today and set one up right now.
If you currently own and are using a "24 hour toll free number" in your marketing efforts, work that into the equation as well.
Remember in all of this, you are not looking to change your current mortgage marketing methods and leave what works for you behind, you are simply looking to originate a loan or two extra with very little effort on your part. If that happen, this technique would be an unqualified success won't it?
Let's face it; sometimes it's a little tough finding prospects. So, think outside the box and find a few prospects on your own that no one else is really looking for!
Tom Domin is the author of "101 Ways to Originate Mortgages" and publisher of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter geared for Mortgage Professionals. Put your mortgage career on the fast track and sign-up for FREE at
http://www.MortgageMarketingToolKit.com/ Exclusive Mortgage LeadsLive Mortgage LeadsExclusive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsMortgage Lead ProgramsLive Mortgage LeadsMortgage Lead Programs
Video Slide Show Productions
Slide show companies are popping up all over the internet. People are taking their pictures and placing them on CDs, DVDs, or VHS for personal use and for gifts for all occasions. People everywhere are hiring companies to make wedding slide shows for receptions, graduation slide shows, anniversary slide shows, birthday slide shows, memorial service slide shows, vacation slide shows, holiday slide shows, and just about anything you can think of slide shows. But how do you know which slide show company to choose?
It use to be that when we took our photos of our special occasions: weddings, vacations, reunions, birthdays, holidays, anniversaries, family, friends, pets and so on, that wed get the photos developed and place them in a photo album or a shoe box. A couple of our very favorites would be placed in frames. But, the photo album or shoebox would then sit on a shelf or under a bed or in a closet or somewhere where theyd be neglected and hardly ever looked at. In the meantime the photos themselves are drying out, cracking, and turning yellow. When we do go to look at them theyre never as good as we remember because theyve aged.
Placing our photos on CD, DVD, or VHS preserves the photos forever. They will never crack, fade, yellow, or get damaged. Future generations can enjoy the same quality in a hundred years as we can today.
Turning your photos into slide shows, video albums, or photo montages makes the photos fun to watch and more people will enjoy viewing them with you. So how do you know if you've found a quality slideshow company? An important rule of thumb to remember is, "If the price seems too good to be true, then it probably is". Creating slide shows is a service related industry; no real slide show creating company can give you quality work without putting quality time into it. The less the price, the less the amount of time going into it. You might as well go buy yourself the cheapest slide show software you can find and do it yourself.
A quality slide show creating company has invested thousands of dollars to be able to produce the highest quality work for the consumer. In addition, they will spend the time needed to clean up your photos and create a quality CD, DVD or VHS that you can be proud of. Although, like in any industry, you'll need to beware of those who overcharge, the bottom line is; the more time a company puts into creating your slideshow, the higher the cost of that slide show.
When comparing prices, don't forget to compare the contents of the package. This will make a tremendous difference in the pricing and the quality of the slideshow you receive. But don't fall for bogus charges such as transition charges. What are slide shows without transitions? So shop around, compare prices, packages, and view some slide show samples.
Viewing slide show samples is very important to choosing your video slide show production company. If youre satisfied with just the simple fade-in, fade-out photo montage style slideshows, then you have a lot to choose from. If you want something fun, exciting, emotional, creative and unique, then theres very little to choose from. The slide show company you choose should value your precious memories so much that it reflects in the slide shows they create. To a true slide show creator, creating quality slide shows is comparative to an artist who is creating yet another masterpiece: each one is unique, creative, evokes emotion, no two are exactly alike, and all are worthy of displaying to everyone you know. At Sands of Time Multimedia Creations, slide shows are works of art. Visit us today and experience the difference!
Live Mortgage LeadsExclusive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsMortgage LeadsExclusive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsExclusive Mortgage Leads
Espalier - The Art of Training Your Tree
What is an "espalier" you may be asking yourself. The term espalier has changed over the years. Originally it defined a trellis, or a frame, to which a tree was to be tied. It presently refers to the process of training your tree or plant. The purpose of an espalier is to be able to grow a tree in limited space. The process originated with fruit trees in order to provide fruit in small gardens and courtyards. This art is now primarily used for decoration or privacy.
It is possible to purchase plants that have been espaliered; however, they are typically much more expensive than free standing plants. For the price of purchasing one espaliered plant, you could espalier two to three free standing plants on your own. Besides, performing the espalier yourself is part of the fun, although it does take some work getting it set up as well as annual maintenance.
Most espaliered plants are grown against walls where limited space is available. An example of a perfect spot would be on the side of a garage that has a walkway along the side. You may wish to hide the side of the garage, while preserving the space within the walkway. An espaliered plant will allow you to do this, as it will grow verticle, and will spread laterally along the structure, without encroaching on the path. Another perfect place for an espaliered tree is between neighbor's homes. This will provide privacy while taking up very little space as the tree begins to grow.
It is important to remember to leave between 6" and 10" of space between any walls and the plant. This will allow the roots to grow, as well as preventing bugs from having easier access to any buildings, and will also prevent trapped moisture against any structures.
A wire frame is often used in place of a trellis when planting against a wall. You can sink or screw eyebolts into the side of a building, and tie a wire frame between the eyebolts. This will need to be done in height intervals of approximately one foot. The branches will then be tied to the wires versus a wooden trellis.
It is best to start with a small tree whose branches are still flexible. This will allow them to bend, in order to be tied to the trellis or frame. "Ugly" trees are perfect to espalier. You do not need a full, thick plant, as you will have to prune several branches that sprout out in various directions.
Position and plant the tree so that the flattest side will be flush against the trellis. Doing this should limit the amount of pruning necessary. Tie the leader branch (the primary verticle branch) to the trellis or wire frame with a twist tie or zip tie.
With the leader branch tied, prune away any branches that protrude forward or backward. This will leave you with branches sprouting laterally to the sides, running along the trellis or wire frame. Once the tree has been pruned, begin tying the laterals to the frame at approximately 45 degree angles from the ground. Do not put too much pressure on the branches to bend. Once all of the lateral branches are tied, you have started your very own espalier, for a fraction of the cost of purchasing one at a retail store.
An espaliered tree will require annual maintenance as it continues to grow. The second year you should be able to lower the laterals that were originally tied at 45 degree angles to a horizontal position, i.e. parallel to the ground, and retie them in the lower position. New growth should be tied in at 45 degree angles. Any branches that cannot be trained due to sprouting out forward or backward will have to be pruned.
You will repeat the process each year of moving the 45 degree laterals down to a horizontal position, and tying new growth in at 45 degrees, or pruning the new growth. As the tree grows you will be able to fill in any empty spaces in the frame.
Matt Adler is the creator of Laffodils, a free site that offers helpful gardening and landscaping tips. For more articles and pointers for the do-it-yourselfer, visit
http://www.laffodils.com.
Exclusive Mortgage LeadsLive Mortgage LeadsVoice BroadcastingLive Mortgage LeadsMortgage Lead TransfersLive Mortgage LeadsMortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage Leads
FA Cup Fourth Round Betting Review
Striker DJ Campbell, last seasons FA Cup hero with non-league Yeading, dumped Premiership strugglers Sunderland out of the FA Cup to secure Brentfords spot in the last 16 for the second time in as many years.
The 5,000 summer signing opened the scoring after 57 minutes only for Argentinean midfielder Julio Arca to equalise for Sunderland. However, Campbell became the hero in the 89 minute, netting the winning goal to set up a memorable win for the 11/4 Bees.
Bolton Wanderers extended Arsenals away day blues with a 1-0 win at the Reebok Stadium. The bookmakers priced this match according to Arsenals reputation, rather than their performances this season. Bolton were as large as 2/1 before kick-off, an insult considering they beat the Gunners 2-0 in league duty back in December. Greek international Stelios scored the decisive goal with six minutes remaining.
Shortest price of the day unsurprisingly was Chelsea at 1/2 but they will have spoiled a few betting coupons after a 1-1 draw at Everton. The Toffees, priced up as 11/2 before kick-off, took the lead through James McFadden but a 73 minute equaliser from Frank Lampard took the tie to a replay at Stamford Bridge.
League One high flyers Colchester United sent another Championship side packing in Derby County. Colchester were 11/8 favourites and found themselves 3-0 up through Neil Danns and Richard Garcia. A penalty from Tommy Smith 11 minutes from time was the Rams only reply.
Leyton Orient will have had their supporters at 10/1 to beat Charlton Athletic. Jon Fortune gave the Addicks an early lead but the League Two side hit back through veteran Lee Steele. Charlton, 2/7 jollies before kick off, needed a stoppage time winner from Jay Bothroyd to spare their blushes.
The scent of an upset hung in the air before the lunch-time clash between League Two side Cheltenham Town and Newcastle United. Despite their efforts, Newcastle scored two goals in as many minutes just before half-time through Michael Chopra and Scott Parker to justify their odds of 8/15.
Rank outsiders on the day, 14/1 Port Vale, gave Aston Villa a scare with five minutes remaining to claw the score back to 2-1, although highly-rated midfielder ensured there would be no upset with a third goal in the 90 minute to please the big hitters who waded in at 1/4.
Better finishing could have earned Coventry City a shock 5/2 win over Middlesbrough but the tie ended all square at 1-1, extending Coventrys unbeaten run at the Ricoh Arena to eight matches.
On Sunday, Manchester United were shorter still at 4/9 but did not disappoint against Wolves, brushing aside the Championship team 3-0 at Molineux. Two goals from Kieron Richardson and another from a resurgent Louis Saha inflicted Glenn Hoddles heaviest defeat as Wolves manager.
Liverpool were also short at 8/15 to win away at Portsmouth and they didnt disappoint with two first half goals from Steven Gerrard and John Arne Riise. Sean Davis pulled a goal back for Portsmouth nine minutes into the second half but the Reds held firm.
Exclusive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsMortgage Lead TransfersMortgage Lead TransfersLive Mortgage LeadsMortgage Lead TransfersLive Mortgage LeadsLive Mortgage Leads
How To Unleash Viral Marketing
Is Viral Marketing new to you? What is viral marketing? It is marketing that spreads like the viruses where it moves across borders at tremendous speed and the growth is exponential as it becomes epidemic! How did you hear about hotmail and Da Vinci Code? Somebody told you about it or you receive a message from an email telling you about it, isn't it.
Word-of-Mouth Marketing can become Viral Marketing if it reaches a tipping point where it takes a life of its own and start spreading round the world at great speed. So how do you apply viral marketing into your business? You must create a buzz and network marketing can become viral marketing too when you can create something that really excite people and they just can't stop talking about it or sharing it. It got to be something that is new, exciting and if it can make a positive difference or add value to people's lives!
Here's a good example of viral marketing, I've created a simple free ebook: How To Be Happy, Healthy and Wealthy! And I've linked it with my business and everyone that reads the book has the opportunity to participate in it and give away as many books as they want. It will spread very fast because it is simple and duplicatable and the title of the free ebook creates a buzz: How To Be Happy, Healthy and Wealthy!
People worldwide are looking for a simple way to be happy, healthy and wealthy!
Just imagine when one person gets excited after reading the free ebook and give away 100 free ebooks and out of the 100 free ebooks, 10 of them took action and did the same, you would have 1,000 free ebooks circulating and multiplying worldwide! What if out of the 1,000 free ebooks, 100 did the same, you will have 10,000 free ebooks and soon 100,000, 1,000,000, 10,000,000 and 100,000,000 and it is possible in viral marketing because of its exponential growth especially when you leverage on the power of the Internet!
How to unleash viral marketing? Think through these important factors: Is there a buzz factor? Is it something that people cannot help but talk about it? Does it make people say wow? Is it so simple that even a child can do it? Does it add value to people's lives?
For viral marketing to work, it got to be fun, and of course, if it can help people make money, it will be a great booster and most important of all if it really benefit people! Please do not confuse viral marketing with chain letters just like many people out of ignorance, think network marketing is pyramid selling. The key factors that separate viral marketing from chain letters, is adding value to people's lives and it involves a win-win process where everyone can benefit from it and it is ethical and everyone participate willingly and it can be fun too!
For more information on viral marketing and to experience it, go to:
http://www.SimplyLearnAndEarn.comFeel free to use this article on your website or ezine as long as the following information about author/website is included.
Bruce Seah is a Marketing Consultant and has been in internet marketing since 1999. Visit my website:
http://www.SimplyLearnAndEarn.com.
Live Mortgage LeadsMortgage Lead ProgramsExclusive Mortgage LeadsExclusive Mortgage LeadsExclusive Mortgage LeadsLive Mortgage LeadsExclusive Mortgage LeadsMortgage LeadsLive Mortgage LeadsMortgage Leads
Search Engine Marketing Products Reviewed
Most books and software ever sold online have-in one form or another-something to do with Search Engine Optimization. Why is this such a sought after service? Because... getting a good spot on major search engines can be the difference between $0 in profit per day versus $500 to $150,000 in profits per day (depending on the product you are promoting). Now there are many books and programs out there... and trust me, I've tried nearly all of them. Here are my personal recommendations:
#1 - The SEO Elite Software is by far the best of the best in software out there. It is a bit pricey to start off with, but it will literally save you thousands of dollars in promotions. The advantage you have is that you can create instant back-links to your site whenever you choose to, and on more sites then you could ever dream of. To have access to tools with a 1/4 of these abilities you would pay about $239 a year somewhere else. In short... you get more than you pay for. I'd rate it 10/10
#2 - Search Engine Optimization is another great, great tool. The price is a fraction of what you would pay on the previous software, but you are also more limited as to what you can or cannot do with this system. Still a super program, but remember: You Get What You Pay For.
#3 - Links Master is a program different from the previous two in the sense that you get someone else to blast your text ads out onto hundreds of sites. Problem? You have limited control over the kind of sites and the amount of sites linking to your site. Again... a great service, but it does tend to go hard on the wallet of those starting out.
Believe it or not-there is no secret to getting your site listed #1 on major search engines. You read that right! Search Engine Marketing is always spoken of as though it is hard to do. And gaining a #1 spot on Google, well, that is just plain impossible. If done right, YOU can prove all those assumptions wrong.
Using software #1 it is easy and fast as lightning to get top ranking on major search engines and, as previously stated, it takes very little effort on your part. Go to the site, read the testimonials-and if you are serious about getting that #1 spot... I trust you will purchase the software. The SEO software is to the online marketer today as a machine gun would have been to a warrior in medieval times: It literally blows all Search Engine Marketing competitors to pieces!
Search engines can be an effective method of driving highly targeted visitors to a web site. Our search engine marketing page provides access to the collective wisdom of all the top search engine marketing experts with regularly updated articles, links to resources, and announcements of new tools and services available to the search engine marketing industry.
Do you want your site to rank #1 on Google?
Then use the #1 Search Engine Marketing tool, which is currently being used by thousands of search engine marketers around the world. Gain YOUR #1 spot on Google, Yahoo, and MSN in record time!
I am Gilbert Traifalgar, webmaster of
http://www.searchenginemarketingpro.biz/Live Mortgage LeadsLive Mortgage LeadsVoice BroadcastingLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsMortgage Lead ProgramsLive Mortgage Leads
Overview of the Fianc Visa Process
The overview of the process of bringing your fianc to America is as follows: The first step is to bring your fianc to America under a Fianc Visa. The second step of the process is to marry your fianc and then apply to convert her temporary Fianc Visa to Permanent Status.
Bringing your fianc to America under a fianc visa has several parts to it:
The first part consists of your application to the Immigration and Naturalization Service. You are petitioning the INS on behalf of your fianc. You are sponsoring her in her visa application to immigrate to the US.
Once the INS approves your application, the visa application package is then forwarded to the appropriate US embassy that handles fianc visas for the geographic region where your fianc lives.
The US embassy has its own application requirements you must meet. The embassy then conducts a final interview with your fianc before her K-1 visa is approved.
Your petition to the INS must be processed within 120 days by law, from the time all required items are submitted to the INS.
If any items required for INS processing are incomplete, the application sits on an INS processors desk until it is complete. The visa application will expire after the 120 days and you must either get an extension or reapply.
The following INS forms are required for you to submit a K-1 visa application to the INS:
The basic form required is Form I-129F Petition for Alien Fianc. If your fianc has unmarried children under twenty-one years of age, they are eligible to accompany your fianc only if they are listed on this form.
Two completed sets of copies of Form G-325A Biographic Data Sheets. One set for you and one set for your fianc. Each set has four pages that must be filled out in quadruplicate (all originals, no copies). Eight pages in total.
Other Documentation Required:
You will need to provide evidence of U.S. Citizenship: certified copies of your birth certificate, a copy of your U.S. Passport, a copy of your Certificate of Naturalization, or a copy of your Certificate of Citizenship.
You will need to send a color photo of both you and your fianc taken within thirty days of filing. The photos must be passport style photographs submitted in the approved format with the individual facing the camera.
Do not wear any jewelry or glasses when you are taking these pictures. See this INS website for complete instructions regarding how the photos are to be taken:
http://uscis.gov/graphics/publicaffairs/newsrels/04_08_02Photo_flyer.pdfYou will need certified copies, and certified copies of translations into English if necessary, of birth certificates, divorce decrees, death certifications, or annulment decrees if either you or your fianc have been previously married.
Lately, the INS has stated that they do not need certified copies of documents to process fianc visa applications. However, the INS and US embassy personnel may question a copy of any document that is submitted, with the resulting delay in your application.
To be safe, have certified copies of all documents and certified translations of translated documents. If they are certified documents, INS and embassy personnel will not be able to challenge the authenticity of the documents.
John Kunkle has been to Russia and CIS countries many times. He has been successfully married to his Belarussian wife for over five years. He will show you how to meet her, how to bring her home, and how to successfully survive marriage to a Russian woman. He will show you how too.
Mortgage Lead ProgramsLive Mortgage LeadsMortgage Lead TransfersExclusive Mortgage LeadsMortgage Lead ProgramsExclusive Mortgage LeadsMortgage Lead ProgramsMortgage Lead TransfersMortgage Lead ProgramsMortgage Lead Programs
Colorado Travel Guide
A Google search of the word Colorado reveals a list of websites ranging from the website of the Government of Colorado to the websites of various educational institutions and universities. Among the diverse tourism websites mentioned, the one that catches your eye is visitcolorado4less. A click on the link fills your screen with beautiful ice capped peaks of Colorado. A brief overview of the website further assures the browser that he is at the right web link. The website offers exhaustive information about the State which is vaguely situated in Central USA.
The name Colorado traces its genesis to Spanish color red. The Centennial State or Colorful Colorado, as it is commonly called, has Denver as its capital.
Colorado is essentially famous for its winter sports, but it seems to cater to everyones hobbies. Fishing, skiing, rafting, rock climbing, camping, hiking, museums, historic sites you find it all here. Apart from its scenic beauty Colorado has much more to offer.
The state has numerous mountains, the highest peak being Mt. Elbert. It is also the home of the Rocky Mountains. Mountaineering becomes especially delightful during spring season when wild flowers are in full bloom. There is also a Colorado Mountain Club which is dedicated solely to the mountain activities. Colorado also has 8000 miles of rivers, offering water activities all over the state. As a result the first water garden society in the world has been founded here. The scenic beauty of Colorado is enhanced by the fact that water is virtually present everywhere. The best way to appreciate this beauty is through camping and horse riding.
Leaving out the adventurers, Colorado offers a lot to the historians and the philosophers. There is a Colorado Shakespeare Festival organized annually in which hundreds of people gather together to produce the various Shakespeare classics. Dotted with ghost towns and mining sites, the state has enough history available to satisfy everyones intellectual appetite. Other attractions include the Colorado Brewers Festivals and numerous happening casinos.
If one is on a holiday with the entire family, he may visit the Butterfly Pavilion and Insect Center which is an artificial shelter of numerous insects like centipedes and beautiful butterflies. Other venues can be the Cave of Winds in which one can see the stalactite and stalagmite formation, Colorado Gators which homes alligators, Krabloonik a kennel of sled dogs and Rock Canyon Water Slide which is a mini water park.. Tiny Town and Railroad are especially liked by children. Started in 1915, this children attraction includes 100 of miniature buildings which includes a toy store, a bank and a church. An open steam train gives a tour of this Tiny Town.
Shopping is the ultimate activity which completes a holiday. And so we have Denver and Aspen the shopping hubs of Colorado. While both are known for its antiques, there are other avenues to indulge in as well. Colorado is also saturated with boarding houses and lodges, each famous for its own experiences. Accommodation is available of every cost, class and style. The Cottonwood Cove ranch is a cozy niche that offers a variety of outdoor activities and is good for fishing. Snowmass Village is a world class ski resort which offers plenty of summer activities as well. Another unique experience is the Vista Verde which is set in wilderness.
With all these activities to do teamed with a comfortable stay, Colorado is the decisive destination where you should head to.
Mortgage Lead TransfersMortgage Lead ProgramsLive Mortgage LeadsMortgage LeadsLive Mortgage LeadsMortgage Lead TransfersLive Mortgage LeadsLive Mortgage LeadsLive Mortgage LeadsMortgage Lead Programs
How to Double Your Sales Appointments in Half the Time; Part 4
Here are the final 3 Sales Prospecting Errors that lead to low sales appointment success. Find out how to avoid the Slippery Slope of low sales appointment conversion ratios.
In Part 3, How To Double your Sales Appointments in Half the Time, we reviewed and remedied the first 3 sales prospecting errors that start us down the Slippery Slope to low Sales prospecting conversation ratios.
So lets continue to address the final 3 sales prospecting errors, discuss some proven solutions that will head us toward our worthy goal of spending Less time to achieve more targeted Top-down sales appointments.
Sales Prospecting Error #4
We fail to develop an effective Call to Action; strategic words and phrases that create a positive 'visual' reference to the Prospect of what happens during the initial appointment and how long it takes.
Develop your Call to Action communication as a visual block of time in which a Step-by-step process occurs with the objective of having your Top-down prospect inform you they perceive enough of a potential benefit to take the next step in your evaluation process.
How long does it take to run your 1st appointment in your current sales process; 30, 45, 60 minutes? Id estimate in the small to medium size B-to-B arena the average 1st appointment timeline is about 35 minutes. That is to re-cap why you are there, to inquire about their current state of the union, to overview your solution offering and to gain commitment for the next step in your sales process.
But if you ask a business person with fiscal authority for more than 15 minutes of their time initially, your closing ratios on a sales prospecting call will go down dramatically.
I dont know the scientific reason why, but I do understand the logical explanation. These business people are busy. Its that simple. Every minute of the day is accountable to moving closer to their business objective. There is No room in the Inn for distractions that are not in line with their business objectives.
Especially the idea of Meeting with some stranger that is only interested in selling me something that I dont need just so they can make a living.
Because in their minds, if they knew something was broken, theyd already have gone in and fixed it.
Ultimately your key objective for the 1st appointment is to Gain Commitment to Take the Next Step in your sales process, whether that step is a diagnostic survey, a demo, a site visit or a proposal. But when your sales prospecting methodology is a Top-down approach, these C-level prospect contacts do not get into the nitty-gritty of your evaluation process. They wont walk you through the office opening up closet doors to evaluate telephone systems or help you pull current service invoices from file drawers. They want to understand whats in it for them from a financial aspect, what your diagnostic process looks like in order to see if the solution fits and what timelines there are to see the results. And they dont like major change.
But if your 15-minute Call to Action communication is effective, they will delegate these tasks to a lower level to effectively conduct the evaluation to qualify if your solution offering will help them with their business challenges. By them delegating down, it will help you minimize any service bias within the organization with non-decision makers. And that lowers sales cycles and increases sales closing ratios.
In summary, frame up your Call to Action under the theme of The Business Reason to Meet and visually communicate the steps in your diagnostic process, the potential benefits (Along Economic terms in line with Business challenges) and what they will get in return for the time invested in the 15-minute face-to-face appointment.
Sales Prospecting Error #5
We dont support our Call to Action with 3rd party valuators parallel to the Prospects business objectives; valuators like business statistics, appointment performance ratios, ROI figures and relevant success stories.
Heres a hard-knock lesson on sales prospecting conversations and one you need to put to memory.
A targeted Business prospect does not care what you think. I repeat; they do not care what you think or what you personally want. After all, they dont know you yetand thats fair. Thats the reality of the moment. After they get to know you, they will respect youre personal perspective on what you feel is good for them, but not now. Its too soon. Got It?
Heres my point. How many times have you heard someone talking to a prospect and communicating the words, Heres what Id like to do, or I think you should have me come in to meet and , or In my experience, heres what Ive seen.
Get my point? We already realize we are perfect strangers to this target prospect, so why should we reference what WE think or what WE have found to work. Its not valid data. So heres the golden rule:
Avoid 1st Party references when communicating on a sales prospecting call.
Replace 1st Party references with 3rd Party Valuators.
When you communicate the Business Reason to Meet, back it up with real numbers; business data like your own conversion ratios of helping prospects become clients or your overall companys ratios. What about condensed case studies of current customers that hold the same title of responsibility in the same industry? Or how about accumulating business ROI statistics in relevant modules in line with prospect business issues and challenges?
3rd party references to support the Business Reason to Meet should be specific and applicable to your Prospects world, and not visually project a one-sided salesperson view or a marketing brochure.
Sales Prospecting Error #6
We fail to document all possible Objections and develop Powerful communication templates to negotiate 3rd Solutions.
There are only a finite amount of scenarios in any selling process and if you identify, train to and measure each and every one, you are on your way to excellence.
That statement I coined some years back is especially true in a sales prospecting conversation.
It means there are only a finite number of objections you encounter over the telephone when attempting to set a 1st appointment with your Target contact.
Statements like, Send me some information, and I dont handle thatso and so does.
Or what about the popular, Im happy with my current Vendor and Im under a Contract?
Identify all of them and develop Powerful communications templates in line with each one.
Perception is Reality.
Your target sales prospects initially will put you into a Perception bucket you do not belong in and you can't afford to be in. They want to fit you into a past experience, good or bad. It's up to you to differentiate yourself from the very beginning when directly responding to concerns and objections spoken, unspoken, or implied.
Systemize your Sales Prospecting System into individual Components and Elements and Practice before you Preach.
Youre only as good as the intellectual capital you share throughout your sales organization. That will keep you ahead of the competition.
Understand the 6 errors that have been discussed in this article series and decide to do the opposite. Develop best practices and business communication paths parallel to each possible scenario. Because best practices are techniques that through experience and measurement more often than not lead to the desired result.
Then invest in the technology to bundle it up into a learning system that you can become certified to, adopt it and adapt it over time.
We understand why Professional athletes practice prior to the event. Professional sales people need to do the same.
Because if you can double the amount of targeted sales appointments and spend half the time achieving it, it will save you a bunch of valuable time, make you more money and get you the recognition you deserve.
And thats a worthy cause indeed.
Jeff Hardesty is a National sales speaker, Sales performance improvement consultant and the Developer of the X2 Sales System, a blended sales prospecting training system that teaches sales professionals the competency of setting targeted C-level business appointments.
Live Mortgage LeadsExclusive Mortgage LeadsLive Mortgage LeadsExclusive Mortgage LeadsLive Mortgage LeadsMortgage LeadsMortgage LeadsExclusive Mortgage LeadsMortgage Lead TransfersMortgage Lead Transfers
