General (17)
Spring is here and so are the termites...
Yes, spring brings lots of flowers, warm days, beautiful sunsets on the beach, lots of college kids and definitely more bugs—including those pesky termites. Spring is a time when drywood termites swarm and you just might find them in your home.
Small Business Owners: Avoid the Spam Box by Choosing the Right Email Address
Written by Mr. Web Wiz
Choosing the right email address as a small business owner is a vital step in setting up the communication lines for the company. There are several criteria that must be met.
The word is finally out—this is THE time to be buying real estate! Prices are low, interest rates are low, and you can still qualify for either the first-time home buyer rebate of $8,000 or 10% of your purchase price, whichever is less, or the rebate for people that are stepping up in price and buying a more expensive home.
Federal Housing Authority Makes Changes in Home Loan Program
Written by Pam Ryan Anderson
The FHA has typically been a good avenue for first-time home buyers, allowing buyers that have less than perfect credit, very little money down, gift money from family members, explanations about credit problems that other lenders would balk at, or a high ratio of debt compared to their income, be able to purchase a home. However, the FHA announced at the end of January that they are making changes to their program in order to lessen the number of FHA foreclosures.
Good Real Estate News - Real Estate Sales End 2009 Up
Written by Pam Ryan Anderson
As 2009 wound down, real estate wound UP! The year ended in a frenzy of real estate sales with Realtors showing and selling property like crazy, lenders too busy to get to files, Title Companies having to juggle things to get to closings – WOW! What a great way to end 2009!
Government Tax Credit for First Time Homebuyers Has Been Extended
Written by Pam Ryan Anderson
HONEY – STOP THE CAR! THE $8,000 REBATE ISN’T OVER YET!!!
If you gave up hope that you could buy a home before November 30 and qualify for the first-time homebuyers tax credit, you’re going to love this news!
How Will People Find My Website?
Building a website that gets frequent visits can seem difficult: there are literally tens of billions of pages listed in search engines, and there are thousands of registered domain names, most of them we don't know or remember. How does one put oneself above this sea of websites and actually get some business from your cyberspace real estate?
When you think of good marketing, one might reminisce on the old “Got Milk?” commercials, or the shiny BMW ads you see in magazines. Rarely does one remember much about broader ads about other products or a store which sells many different products in general - like the ones which are introducing a whole new line, or one that purposely shows a large variety of products that are of seemingly equal importance.
Foreclosure Scams - What to Look for Tips from the Federal Trade Commission
Written by Pam Ryan Anderson
With the current financial scene, criminals are crawling out of the woodwork at an alarming rate, claiming to be able to rescue your home from foreclosure. The Federal Trade Commission has established a website where homeowners can educate themselves, learn legitimate options, and avoid being taken advantage of, as well as what actions to take if you have been the victim of a foreclosure rescue ‘scam’.
Hiring a Web Developer vs. Do It Yourself Websites - What's the Difference?
Written by Mr. Web Wiz
“To do it yourself or not to do it yourself. That is the question.”
Many website owners have asked this same question and for good reason. With all of today’s user-friendly, easy-to use software and the wide array of cheap templates, I might ask too! Why pay someone out of your own pocket when you can do it yourself? While the basic idea of putting a site together is sound and feasible to those with the persistence to do it, there are a few pitfalls that only a pro web developer won’t run into:
How to Keep Your Head Above Water When You're in Credit Card Debt
Written by Heidi Lux
Credit card debt is a problematic issue for many Americans. It has been estimated that the average American family has around $8,000 in credit card debt. While people do have control over their spending decisions, many people who use credit cards have found themselves entangled in a labyrinth of hidden traps and fees, sometimes seemingly designed to milk users of as much profit as possible. Unfortunately, many people end up making payments for most of their life without getting out of debt, so this can be a hard trap to escape.
Crisis Buster: THE ART OF "PULL SELLING" Part 2
Written by Patrick Valtin
Three Secrets That Can Help You Boost Your Income... With Your Customers’ Blessing!
In the second half of this in-depth article, Patrick Valtin presents vital principles of selling in over-competitive, saturated markets. Recognized as an international expert in sales strategies, Patrick has trained over 45,000 sales professionals and executives on the subject of salesmanship. Here, he presents what customers consider as most important in their relationship with you, the sales Pro, and how you can pull them into wanting your product…without pushing!
THE ART OF “PULL SELLING”
Part 1 - Three Secrets that can Help You Boost Your Income... with your Customers‘ Blessing!
In a previous article, Patrick Valtin provided useful tips on how business owners should deal with the economic crisis. In this article he shares very powerful principles on successful salesmanship. What attitude is right, if you life depends on selling something? What selling skills are vital if you want to succeed in difficult times?
In the first part of this in-depth article, Patrick Valtin presents vital principles of selling in over-competitive, saturated markets. Recognized as an international expert in sales strategies, Patrick has trained over 45,000 sales professionals and executives on the subject of salesmanship. Here, he presents how you what customers consider as most important in their relationship with you, the sales Pro, and how you can pull them into wanting your product…without pushing!
Economic Crisis Tips for Business Owners and Sales Professionals Featured
Written by Patrick Valtin
CRISIS BUSTER TIPS for Business Owners and Sales Professionals
1. DISAGREE
“Honest disagreement is often a good sign of progress.” – Mahatma Gandhi
You will find that people who continue to do well during challenging times are not luckier or stronger or even smarter. They are mostly more persistent and they refuse to lose. In other words, they disagree. The best examples are patients who were affected by some “incurable” cancer and yet recovered – against all medical expectations. The only common denominator that could be found in these people was exactly that: they disagreed with giving up!
You can make your own future and you can win the battles of life to the degree that you have the guts to disagree. So remember this principle: When trouble arises, it is just a test of your ability and willingness to make things go right. Just disagree!
2. IGNORE THE BAD NEWS
To Promote or Not to Promote Lessons of The Great Depression
We’ve all read the recent Chicken Little headlines about the economy and where it’s going. It’s pretty easy to have one’s own optimism and confidence shattered by such gloom and doom. These pronouncements are the equivalent of being hit over the head with a cudgel: the reality of how bad things are seems quite convincing. It’s natural in face of such “news” to duck and go from offense to defense.
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- To Promote or Not to Promote
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FAMB Tips to Avoid Abusive Lending Practices
Written by Brooke HighlineFLORIDA ASSOCIATION OF MORTGAGE BROKERS OFFERS CONSUMERS TIPS TO AVOID ABUSIVE LENDING PRACTICES
Tallahassee, FL – December 17, 2008 – Deciding to purchase a home is one of the most significant decisions that a consumer will ever make. It is crucial that the consumer work with a licensed mortgage broker, loan originator or other mortgage professional during the home buying process. While most mortgage industry professionals are honest and ethical, it is still important for consumers to be aware of the following tips as they prepare to enter the largest financial transaction of their lives. By becoming knowledgeable about the mortgage process, they can protect their financial investment and find a loan that will best serve their needs.
The Florida Association of Mortgage Brokers (FAMB) offers the following tips to avoid abusive lending practices during the home buying process:
- FLORIDA ASSOCIATION OF MORTGAGE BROKERS
- FAMB
- Tallahassee FL
- Good Faith Estimate of costs
- lower monthly mortgage payments
- Negotiate the loan terms
- mortgage professional asks for fees up front
- Better Business Bureau
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- Tampa Bay Informer The Good News Newspaper
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More...
I am sure that at one time or another we have all seen a hearse traveling down the road. But, have you ever seen a hearse pulling a U-haul trailer? Do you know the reason why not? Because you can’t take it with you. That’s why a reverse mortgage is a perfect solution to a senior home owner to supplement their retirement income.
The benefits of a reverse mortgage are:
- Independence – You continue to own and live in your home
- Liquidity – Receive monthly payments instead of making them
- Simplicity – No income, credit report, and employment requirements needed to qualify2
- Choice – You may receive funds as a lump sum, in monthly installments, as a line of credit, or as an upfront sum plus monthly allotments
- Security – Does not affect Social Security, pension or Medicare benefits3
- Ownership – Your heirs can keep the property once the reverse mortgage is paid in full
- Freedom – Please ask your reverse mortgage consultant about when any payment may be due