Friday, November 2, 2007
League Two Betting Review - 13 February 2006
Grimsby Town are the new leaders of League Two after beating Boston United 1-0 at Blundell Park. Michael Reddys goal after 72 minutes was enough to secure the Mariners second win in a row at odds of 9/10.
Last weeks leaders Carlisle United were held to a tense goalless draw at promotion rivals Leyton Orient. Draw backers could have got on at 23/10 with Carlisle now two points behind Grimsby.
Third placed Wycombe Wanderers fought back from two goals down at home to draw 2-2 with relegation strugglers Mansfield Town. Jon Olav-Hjelde and Richie Barker put the Stags 2-0 ahead after 33 minutes, but goals from Tommy Mooney and Stefan Oakes denied an unlikely 9/2 away victory.
Northampton Town squandered the chance to move in to the top three by losing 3-1 at Cheltenham Town. Steve Guinan, Kayode Odejayi and JJ Melligan ensured a home win at 6/4.
Rushden & Diamonds refuse to go down without a fight and Petr Miklondas 30 yard strike gave them all three points against Notts County. Barry Hunters side, 8/5 on the day, have lost just one of their last five games.
Bottom club Stockport County also earned a vital win at faltering Chester City. Liam Dickinson broke the deadlock for County after 76 minutes but Ryan Lowe equalised for City five minutes later. With the match heading for a draw Dickinson grabbed the vital 5/2 winner a minute from time to keep the Hatters just one point from safety.
Meanwhile, Torquay United remain in deep trouble after losing 2-0 at Lincoln City. Scott Kerr after 12 minutes and a last minute goal from Jeff Hughes secured a 5/6 win for the Imps.
Macclesfield Town vs Wrexham, Rochdale vs Barnet and Bury vs Oxford were all called off due to frozen pitches.
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Your Most Powerful Prospecting Tool
The internet is full of millions of self replicated websites, and if you're a Network Marketer you probably have one too! So how do YOU get noticed in this sea of duplicated websites?? Well to be absolutely truthful you do not! Have you noticed that people do not magically show up on your site, sign themselves up and start building a business?
:-) I thought you might have noticed that! :-)
Your company or team could have the most fantastic replicated "website that sells" but that alone won't bring you customers! My primary company has some of the most brilliant and effective marketing tools I have ever seen. They work REALLY well, to the point that we often get our prospects signing up as distributors automatically!
But even this kind of amazing marketing system will not bring you success in network marketing without the most crucial ingredient to the WHOLE puzzle!
Did you know that MOST people do NOT join a Network Marketing business because of the great company or products? Most people join because the TRUST the person who introduced them to the business! It is YOU that are your own best business asset. Yes, you!
Take a moment and go look in the mirror! That is who is going to attract people to your team. Your own unique, beautiful self with your own special talents, gifts and contributions to the world.
We are all given a gift, a contribution to make to the world, and as you find that, you will more and more find what your unique contribution is to Network Marketing, to your team!
And you will find that you begin to attract other like minded, like hearted people!! Ooops ... you looked in the mirror and don't like what you see? I understand ... I feel that way too sometimes. None of us are perfect! And that's where personal growth and development comes in.
That's one of the greatest parts of this business... you get paid to grow personally. How cool is that? (I'll tell you more about that another time!)
Think about it ... why did are you reading this report? You probably found my article while surfing the web. You read a little and felt enough of a sense of trust to spend your valuable time with me.
In network marketing, building relationships is your key to success. When people get to know you, like you and trust you, when they are ready to start their home business they will seek YOU out.
You will be their first choice, rather than Jane Anonymous who they know nothing about, or Joe Hard Sell who is always "pitching" his opportunity but never bothers to build a relationship with people.
AND because you DO have a fantastic business opportunity with great products, great pay and so forth, you will be an outstanding choice for them as a business partner! If you offer real VALUE to people, not just a sales pitch, you will build long term trust with people. So how do you build trust, offer real Value, and share more about yourself with people?
1. Offer something of value to your prospects. Share things that YOU find valuable. Don't give away junk! I have a page on one of my websites on free eBooks. I actually spent a week researching the net to find materials that I felt were valuable, high quality, and offered useful information.
I've seen so many newsletter publishers or websites on the net giving away junk. Maintain quality and your prospects will appreciate you and trust you and stay in touch with you!
2. Be a Real Person. We have discovered what we feel is the most fantastic and effective prospecting tool ever developed ... the Face Page. A Face page is a unique web page that is about You! :-) It about your values, your vision, and the things that mean the most to you! You can create one for free at many web communities such as Ryze.com, or you can get an industry specific page at GreatestNetworker.com.
Your Face page offers useful information to people with no strings attached. It has links to your business websites ... and through this page you can offer people valuable free gifts, like complimentary eBooks, audio training, e-mail training courses.
On the internet, one of the ways to build trust is to give people valuable information that they are looking for. The Face page helps you to do this. I have found the Face page to be a very effective Viral Marketing tool as well. My husband loved what I wrote on my Face page so he passed it around to our friends and family and his family!
Now several of these folks are looking into my business as a result of his sharing the page. Whenever he or my family tells their friends about my business, they send them to my Face page. I have made thousands of dollars through my Face Page, and it's NOT because it sells anything!
3. Brand Yourself. You've heard of branding? Except in network marketing branding is a little different. Instead of branding your product or business, brand yourself! Branding yourself creates a consistent personal presence both locally and on the internet so people can get to know you.
Use the same name and e-mail on different internet forums. You can even get a domain that is your name! Then people can type in your name and get to your Face Page.
When talking to your prospects you can tell them where to find you on the web, at www.YourName.com. That way, when people type in www.YourName.com they will get to your Face page and get to know you. Best of all, as you do this consistently, people will begin to seek you out and begin to call you! That is when network marketing becomes REALLY fun!
Tamara Esgoode has been passionately network marketing since 2001 and writes articles for Home Based Network Marketing with Heart at http://www.HomeBizHearts.com.Live Mortgage Leads
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:-) I thought you might have noticed that! :-)
Your company or team could have the most fantastic replicated "website that sells" but that alone won't bring you customers! My primary company has some of the most brilliant and effective marketing tools I have ever seen. They work REALLY well, to the point that we often get our prospects signing up as distributors automatically!
But even this kind of amazing marketing system will not bring you success in network marketing without the most crucial ingredient to the WHOLE puzzle!
Did you know that MOST people do NOT join a Network Marketing business because of the great company or products? Most people join because the TRUST the person who introduced them to the business! It is YOU that are your own best business asset. Yes, you!
Take a moment and go look in the mirror! That is who is going to attract people to your team. Your own unique, beautiful self with your own special talents, gifts and contributions to the world.
We are all given a gift, a contribution to make to the world, and as you find that, you will more and more find what your unique contribution is to Network Marketing, to your team!
And you will find that you begin to attract other like minded, like hearted people!! Ooops ... you looked in the mirror and don't like what you see? I understand ... I feel that way too sometimes. None of us are perfect! And that's where personal growth and development comes in.
That's one of the greatest parts of this business... you get paid to grow personally. How cool is that? (I'll tell you more about that another time!)
Think about it ... why did are you reading this report? You probably found my article while surfing the web. You read a little and felt enough of a sense of trust to spend your valuable time with me.
In network marketing, building relationships is your key to success. When people get to know you, like you and trust you, when they are ready to start their home business they will seek YOU out.
You will be their first choice, rather than Jane Anonymous who they know nothing about, or Joe Hard Sell who is always "pitching" his opportunity but never bothers to build a relationship with people.
AND because you DO have a fantastic business opportunity with great products, great pay and so forth, you will be an outstanding choice for them as a business partner! If you offer real VALUE to people, not just a sales pitch, you will build long term trust with people. So how do you build trust, offer real Value, and share more about yourself with people?
1. Offer something of value to your prospects. Share things that YOU find valuable. Don't give away junk! I have a page on one of my websites on free eBooks. I actually spent a week researching the net to find materials that I felt were valuable, high quality, and offered useful information.
I've seen so many newsletter publishers or websites on the net giving away junk. Maintain quality and your prospects will appreciate you and trust you and stay in touch with you!
2. Be a Real Person. We have discovered what we feel is the most fantastic and effective prospecting tool ever developed ... the Face Page. A Face page is a unique web page that is about You! :-) It about your values, your vision, and the things that mean the most to you! You can create one for free at many web communities such as Ryze.com, or you can get an industry specific page at GreatestNetworker.com.
Your Face page offers useful information to people with no strings attached. It has links to your business websites ... and through this page you can offer people valuable free gifts, like complimentary eBooks, audio training, e-mail training courses.
On the internet, one of the ways to build trust is to give people valuable information that they are looking for. The Face page helps you to do this. I have found the Face page to be a very effective Viral Marketing tool as well. My husband loved what I wrote on my Face page so he passed it around to our friends and family and his family!
Now several of these folks are looking into my business as a result of his sharing the page. Whenever he or my family tells their friends about my business, they send them to my Face page. I have made thousands of dollars through my Face Page, and it's NOT because it sells anything!
3. Brand Yourself. You've heard of branding? Except in network marketing branding is a little different. Instead of branding your product or business, brand yourself! Branding yourself creates a consistent personal presence both locally and on the internet so people can get to know you.
Use the same name and e-mail on different internet forums. You can even get a domain that is your name! Then people can type in your name and get to your Face Page.
When talking to your prospects you can tell them where to find you on the web, at www.YourName.com. That way, when people type in www.YourName.com they will get to your Face page and get to know you. Best of all, as you do this consistently, people will begin to seek you out and begin to call you! That is when network marketing becomes REALLY fun!
Tamara Esgoode has been passionately network marketing since 2001 and writes articles for Home Based Network Marketing with Heart at http://www.HomeBizHearts.com.Live Mortgage Leads
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Inside the Uranium Markets Secret World
Mired in secrecy, the uranium market hopes to someday offer price transparency. To whom will this real uranium price become transparent? Industry insiders know well before the general investing public ever finds out.
Utility fuel managers compete with a few handfuls of fuel brokers for the best price break. Utilities complain about the unwelcome speculators whove entered the market. and utility spokesman predict a long-term price about one-half of the US$122/pound price indicator announced in Nuclear Market Review this past Friday (another consulting service chose $125/pound for their price indicator). Some uranium miners forecast a price racing past $200/pound. Who is gaming whom? Or is this all part of the negotiations process between producers and end-users?
Meanwhile, more immediate price transparency seems to appear at Mestenas regular spot uranium price auctions than in the much larger, but secretive uranium marketplace. Yet, the amount this private uranium producer has sold is far less than one percent of the uranium consumed in 2006. The present spread between spot and long-term uranium pricing has raised eyebrows and led some to question the credibility of the spot price.
Mestenas next auction reportedly takes place on May 30th, or at least thats when offers to buy the U3O8 are due. This time Mestena will have a bit of competition. An unnamed hedge fund has contacted potential buyers to solicit offers for 200 thousand pounds U3O8 and 100 metric tons U as UF6 two days after Mestena opens the magic envelopes. As more material is offered to the market, perhaps the spot and long-term price will narrow to a more logical spread. Perhaps, instead, this spread will close when utilities and investors reach a consensus on Cameco Corps (CCJ) Cigar Lake project, Rio Tintos (RTP) Namibian expansion and resolution of the March flooding in northern Australia, and a firm date on BHP Billitons (BHP) Olympic Dam expansion.
A Glimpse Inside This Secret World
The widely heralded fiat uranium trading at the highly publicized NYMEX ring moves forward, but the exchange is still searching for participants, and it is about as entertaining as watching grass grow. In lower Manhattan, this commodity exchange was not only the first commodity forum to offer trading on platinum more than 40 years ago, but in early May began offering paper uranium trading. The public can play the paper chase, but not for the real McCoy U3O8.
In mid-town Manhattan, near Grand Central Station, a lesser known commodity exchange, run by New York Nuclear, has real-time screen trading every Wednesday morning between 7:30 A.M. and 9:30 A.M. And the screen trading is for the real thing the physical delivery of U3O8. The processed uranium is offered for delivery within a 30-day period at a licensed uranium conversion facility. Real product trading in real-time by real professionals, who mine uranium, consume uranium or act as a broker for either side.
No, the public is not invited to this clubby function. One must be a certified market participant to bid for or sell U3O8 through New York Nuclears Uranium Online. While NYMEX paper trading is open to amateurs and professional traders, Uranium Online only permits recognized persons to bid or offer uranium for sale.
We have all categories as players, New York Nuclears Joe McCourt told StockInterview.com. Those who have signed up to trade physical uranium on his online screen system include uranium producers, hedge funds, fuel brokers and utility fuel managers. These are the major players in the physical uranium market, McCourt added.
Our chat with Joe McCourt was quite enlightening. Later in an email exchange with Uranium One (SXRFF) chief executive Neal Froneman, we were told Joe is a heck of a nice guy. Others in the industry echoed his sentiments.
In a few words, Joe explained why uranium price transparency is presently out of reach, and could remain a mythical goal for some time. Theres so few players in the business, and theres a lot of confidentiality, McCourt told StockInterview. Everybody wants to see what everybody else does, but they dont want anybody to see what they do.
McCourt has also observed this secrecy in his companys online screen system trading of physical uranium. Everybody wants to see everybody elses posts, but they dont want to post themselves, he told us.
Surrounded by this degree of secrecy and the recent NYMEX competition, why does McCourt persist? In my opinion, I think that utilities want transparency, he told us. We want to improve how the market works.
So who participates in the weekly trading sessions? These are people we know to be bonafide buyers and sellers, McCourt said. And what makes these bonafide? We are in touch with the major players. Weve been in the business for 25 years, and weve done deals with many people. We know who is for real and who is not for real. (See Joe McCourt end bio.)
How does McCourt screen out the gamers? We have user agreements, rules and procedures that everybody signs, he told us. Its a contract. When anybody posts something in the system, its a like valid offer. They make a commitment.
Do the buyers and sellers know with whom they are dealing? No, its anonymous, McCourt said. Only we know. We stand as the hub. They can see us, but they cant see each other. McCourt reassured us his system has kept permanent records of all transactions and discussions during those trading sessions. We have a system that is auditable, if some authority comes to us, he said.
Another concern was his companys participation in the trading. We dont do it on our own account, McCourt told us. We are strictly brokers. We are matching buyers and sellers. Its our reputation thats on the line.
Prior to participation in the online trading, everyone on the system is sent a possible counterparty list. Those companies who have had bad relationships in the past can strike off parties with whom they will not do business. People are very concerned about credit, McCourt explained. You dont want to sign a deal with someone you dont like their credit, or you dont think they are a reliable supplier. He further explained that risk departments are very involved with procurement these days and companies are very careful about their counterparts.
What are the bugs in McCourts system? Most material is bought and sold under long-term contracts, he said. Theres not a long of activity in the spot market. We are trying to help more activity develop in the spot market by making it easier for people to do deals, having certain delivery times and delivery locations. In other words, McCourt hope to standardize the secondary market.
But why is there only one two-hour trading session per week? Theres not a lot of liquidity in this market, McCourt responded. We picked two hours once a week to concentrate on this. Otherwise, its like watching paint dry.
New York Nuclear has only completed one transaction since launching this late last year. Why? For large companies, this is something new, he explained. It has to go through reviews, legal reviews, risk management reviews and all that. Its a departure from what they normally do. In other conversations weve had with utilities and industry insiders, this is the problem NYMEX faces in drawing utilities into trading on their exchange.
Still, McCourts action impacted NYMEX trading this past week. After screen trading was completed last Wednesday, the NYMEX June 2007 U3O8 uranium swap suddenly dropped. During the previous week, McCourts screen snapshot, published in his Thursday night edition of FreshFUEL showed June 2007 uranium at $122 and December uranium at $130. This past Wednesday, uranium for December delivery dropped to $125/pound.
No transactions took place. But, it does confirm that buyers would be willing to pay $122 to $125/pound to purchase U3O8 for June and December delivery. Sellers refused to part with their material. Five days later, Ux Consulting raised the firms weekly spot price indicator to $125/pound. Obviously, TradeTech decided on the front-month and made the judgment call of $122 in this Friday edition of Nuclear Market Review, while Ux Consulting decided upon Decembers delivery month price.
As a fuel broker, which is New York Nuclears main business, McCourt said, As far as spot volume is concerned, I dont think anyone knows everything thats going on. He pointed out his company has been doing transactions off the screens. We dont publicize those transactions, he told us. And true to his word, McCourt did not reveal the pricing on his companys transactions.
McCourt hopes he can grow his online trading business by attracting more buyers and sellers to post on his screen system. We are helping the buyers and sellers get together so eventually these screens will be populated with a lot of numbers, and hopefully a lot of transactions. McCourt also pointed out, Thats going to add tremendous transparency to this market, which doesnt exist to a great extent now. He hopes utility buyers can make routine, small purchases instead of infrequent large purchases. Instead of buying one million pounds every year, they could buy 20,000 pounds every week, McCourt said.
Conclusion
Over the past year, the combination of a sharp uranium price rise accompanied by the entry of new uranium producers has probably obscured price transparency instead of providing more transparency.
Aside from finding out why there is now a $37/pound spread between the spot and long-term contract price for U3O8, we have one significant unanswered question. At which levels are the escalating floor prices for the recent contracts announced for the near-term U3O8 production by companies such as Paladin Resources (PALAF) and Uranium One? Until we gain a better understanding of these floor prices, we may not realistically have price transparency.
In the interim, investors and traders can have some glimpse of price transparency but only for short-term trading purposes. In a previous article, we evaluated some of the available market research tools available to the sophisticated investor. http://stockinterview.com/journal.html
Lets put this into a linear timeline for better understanding.
The first company out of the box with any indication of where the uranium market could head during the current week and into the early part of the following week is New York Nuclear. Wednesdays screen trading includes utility fuel managers, fuel brokers, utility risk managers and other buyers, who square off for two hours, early Wednesday morning, against their counterparts. These could include other fuel brokers, uranium producers or their marketing managers, hedge funds and speculators. To date, price indications are provided as to what buyers could be willing to pay for U3O8 purchases, and at which prices sellers wont part with their material.
Granted, little transaction activity has taken place on the Uranium Online trading screens, but the activity during those screen trading sessions provides some price guidance. On Thursday night, Washington Nuclear (sister company of New York Nuclear) emails the weekly edition of FreshFUEL to paid subscribers. In the past two issues weve reviewed, a screen shot is provided on Page 2. The companys tutorial can be found on its website at www.uranium.com.
Late Friday night each week, TradeTech publishes changes in the spot price in Nuclear Market Review. TradeTech interviews its proprietary list of market participants on Friday afternoon and gathers new data not reported in FreshFUEL. Because the market participants in the Wednesday screen sessions are mostly North American and European, TradeTech may obtain new data or find out about off-screen transactions post-Wednesdays screen trading. A new weekly spot price is reported on TradeTechs website at www.uranium.info
Every two weeks, Platts Nuclear Fuel is published for the nuclear industry. In the May 21st edition, one of three front page headlines reported, Two uranium auctions expected to push U price up. Spot price transactions, according to traders Platts interviewed, were expected to reach between $120 and $140/pound U3O8. Because Platts emails its newsletter to paid subscribers on Friday before TradeTech issues its weekly spot price, Platts subscribers get the old price.
Sometime on late Monday, Ux Consulting reports its spot uranium price to paid subscribers. On a few occasions there have been negligible discrepancies between the UxC price and the TradeTech weekly spot price. Late Tuesday, non-UxC subscribers find out this consulting firms price indicator.
The next day, on early Wednesday morning a new cycle begins when New York Nuclear conducts the next session of its screen trading.
For all the hoopla, little uranium price transparency has taken place with NYMEX futures. Ux Consulting president Jeff Combs announced it would take about six months or so to develop. Its the or so part we believe may take longer than Mr. Combs expects. In the way of an apology, NYMEX suggested this tiny amount of trading was what was expected.
NYMEX faces the same hurdles New York Nuclear has yet to overcome. Risk management departments at utilities question whether or not they will participate in these futures. Of those weve had conversations with, we are told, We are still studying this.
Between New York Nuclears Wednesday screen trading of physical uranium (as opposed to paper trading) and TradeTechs weekly report on the spot uranium price, we obtain some guidance as to the direction of the uranium market.
But this only provides short term visibility. Until the long-term uranium price and the spot price narrow the spread, and until price transparency comes about from the escalating floor contracts, the general public will remain in the dark.
A real solution would come from physical uranium trading on a grand scale, as Joe McCourt envisions, instead of the fiat trading now taking place.
COPYRIGHT © 2007 by http://StockInterview.com
James Finch contributes to StockInterview.com and other publications. He has contributed to the widely popular Investing in the Great Uranium Bull Market, and Uranium Outlook 2007 - 2008. His recent work, Investing in Chinas Energy Crisis, is now available at http://bookstore.stockinterview.com/Mortgage Lead Transfers
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Utility fuel managers compete with a few handfuls of fuel brokers for the best price break. Utilities complain about the unwelcome speculators whove entered the market. and utility spokesman predict a long-term price about one-half of the US$122/pound price indicator announced in Nuclear Market Review this past Friday (another consulting service chose $125/pound for their price indicator). Some uranium miners forecast a price racing past $200/pound. Who is gaming whom? Or is this all part of the negotiations process between producers and end-users?
Meanwhile, more immediate price transparency seems to appear at Mestenas regular spot uranium price auctions than in the much larger, but secretive uranium marketplace. Yet, the amount this private uranium producer has sold is far less than one percent of the uranium consumed in 2006. The present spread between spot and long-term uranium pricing has raised eyebrows and led some to question the credibility of the spot price.
Mestenas next auction reportedly takes place on May 30th, or at least thats when offers to buy the U3O8 are due. This time Mestena will have a bit of competition. An unnamed hedge fund has contacted potential buyers to solicit offers for 200 thousand pounds U3O8 and 100 metric tons U as UF6 two days after Mestena opens the magic envelopes. As more material is offered to the market, perhaps the spot and long-term price will narrow to a more logical spread. Perhaps, instead, this spread will close when utilities and investors reach a consensus on Cameco Corps (CCJ) Cigar Lake project, Rio Tintos (RTP) Namibian expansion and resolution of the March flooding in northern Australia, and a firm date on BHP Billitons (BHP) Olympic Dam expansion.
A Glimpse Inside This Secret World
The widely heralded fiat uranium trading at the highly publicized NYMEX ring moves forward, but the exchange is still searching for participants, and it is about as entertaining as watching grass grow. In lower Manhattan, this commodity exchange was not only the first commodity forum to offer trading on platinum more than 40 years ago, but in early May began offering paper uranium trading. The public can play the paper chase, but not for the real McCoy U3O8.
In mid-town Manhattan, near Grand Central Station, a lesser known commodity exchange, run by New York Nuclear, has real-time screen trading every Wednesday morning between 7:30 A.M. and 9:30 A.M. And the screen trading is for the real thing the physical delivery of U3O8. The processed uranium is offered for delivery within a 30-day period at a licensed uranium conversion facility. Real product trading in real-time by real professionals, who mine uranium, consume uranium or act as a broker for either side.
No, the public is not invited to this clubby function. One must be a certified market participant to bid for or sell U3O8 through New York Nuclears Uranium Online. While NYMEX paper trading is open to amateurs and professional traders, Uranium Online only permits recognized persons to bid or offer uranium for sale.
We have all categories as players, New York Nuclears Joe McCourt told StockInterview.com. Those who have signed up to trade physical uranium on his online screen system include uranium producers, hedge funds, fuel brokers and utility fuel managers. These are the major players in the physical uranium market, McCourt added.
Our chat with Joe McCourt was quite enlightening. Later in an email exchange with Uranium One (SXRFF) chief executive Neal Froneman, we were told Joe is a heck of a nice guy. Others in the industry echoed his sentiments.
In a few words, Joe explained why uranium price transparency is presently out of reach, and could remain a mythical goal for some time. Theres so few players in the business, and theres a lot of confidentiality, McCourt told StockInterview. Everybody wants to see what everybody else does, but they dont want anybody to see what they do.
McCourt has also observed this secrecy in his companys online screen system trading of physical uranium. Everybody wants to see everybody elses posts, but they dont want to post themselves, he told us.
Surrounded by this degree of secrecy and the recent NYMEX competition, why does McCourt persist? In my opinion, I think that utilities want transparency, he told us. We want to improve how the market works.
So who participates in the weekly trading sessions? These are people we know to be bonafide buyers and sellers, McCourt said. And what makes these bonafide? We are in touch with the major players. Weve been in the business for 25 years, and weve done deals with many people. We know who is for real and who is not for real. (See Joe McCourt end bio.)
How does McCourt screen out the gamers? We have user agreements, rules and procedures that everybody signs, he told us. Its a contract. When anybody posts something in the system, its a like valid offer. They make a commitment.
Do the buyers and sellers know with whom they are dealing? No, its anonymous, McCourt said. Only we know. We stand as the hub. They can see us, but they cant see each other. McCourt reassured us his system has kept permanent records of all transactions and discussions during those trading sessions. We have a system that is auditable, if some authority comes to us, he said.
Another concern was his companys participation in the trading. We dont do it on our own account, McCourt told us. We are strictly brokers. We are matching buyers and sellers. Its our reputation thats on the line.
Prior to participation in the online trading, everyone on the system is sent a possible counterparty list. Those companies who have had bad relationships in the past can strike off parties with whom they will not do business. People are very concerned about credit, McCourt explained. You dont want to sign a deal with someone you dont like their credit, or you dont think they are a reliable supplier. He further explained that risk departments are very involved with procurement these days and companies are very careful about their counterparts.
What are the bugs in McCourts system? Most material is bought and sold under long-term contracts, he said. Theres not a long of activity in the spot market. We are trying to help more activity develop in the spot market by making it easier for people to do deals, having certain delivery times and delivery locations. In other words, McCourt hope to standardize the secondary market.
But why is there only one two-hour trading session per week? Theres not a lot of liquidity in this market, McCourt responded. We picked two hours once a week to concentrate on this. Otherwise, its like watching paint dry.
New York Nuclear has only completed one transaction since launching this late last year. Why? For large companies, this is something new, he explained. It has to go through reviews, legal reviews, risk management reviews and all that. Its a departure from what they normally do. In other conversations weve had with utilities and industry insiders, this is the problem NYMEX faces in drawing utilities into trading on their exchange.
Still, McCourts action impacted NYMEX trading this past week. After screen trading was completed last Wednesday, the NYMEX June 2007 U3O8 uranium swap suddenly dropped. During the previous week, McCourts screen snapshot, published in his Thursday night edition of FreshFUEL showed June 2007 uranium at $122 and December uranium at $130. This past Wednesday, uranium for December delivery dropped to $125/pound.
No transactions took place. But, it does confirm that buyers would be willing to pay $122 to $125/pound to purchase U3O8 for June and December delivery. Sellers refused to part with their material. Five days later, Ux Consulting raised the firms weekly spot price indicator to $125/pound. Obviously, TradeTech decided on the front-month and made the judgment call of $122 in this Friday edition of Nuclear Market Review, while Ux Consulting decided upon Decembers delivery month price.
As a fuel broker, which is New York Nuclears main business, McCourt said, As far as spot volume is concerned, I dont think anyone knows everything thats going on. He pointed out his company has been doing transactions off the screens. We dont publicize those transactions, he told us. And true to his word, McCourt did not reveal the pricing on his companys transactions.
McCourt hopes he can grow his online trading business by attracting more buyers and sellers to post on his screen system. We are helping the buyers and sellers get together so eventually these screens will be populated with a lot of numbers, and hopefully a lot of transactions. McCourt also pointed out, Thats going to add tremendous transparency to this market, which doesnt exist to a great extent now. He hopes utility buyers can make routine, small purchases instead of infrequent large purchases. Instead of buying one million pounds every year, they could buy 20,000 pounds every week, McCourt said.
Conclusion
Over the past year, the combination of a sharp uranium price rise accompanied by the entry of new uranium producers has probably obscured price transparency instead of providing more transparency.
Aside from finding out why there is now a $37/pound spread between the spot and long-term contract price for U3O8, we have one significant unanswered question. At which levels are the escalating floor prices for the recent contracts announced for the near-term U3O8 production by companies such as Paladin Resources (PALAF) and Uranium One? Until we gain a better understanding of these floor prices, we may not realistically have price transparency.
In the interim, investors and traders can have some glimpse of price transparency but only for short-term trading purposes. In a previous article, we evaluated some of the available market research tools available to the sophisticated investor. http://stockinterview.com/journal.html
Lets put this into a linear timeline for better understanding.
The first company out of the box with any indication of where the uranium market could head during the current week and into the early part of the following week is New York Nuclear. Wednesdays screen trading includes utility fuel managers, fuel brokers, utility risk managers and other buyers, who square off for two hours, early Wednesday morning, against their counterparts. These could include other fuel brokers, uranium producers or their marketing managers, hedge funds and speculators. To date, price indications are provided as to what buyers could be willing to pay for U3O8 purchases, and at which prices sellers wont part with their material.
Granted, little transaction activity has taken place on the Uranium Online trading screens, but the activity during those screen trading sessions provides some price guidance. On Thursday night, Washington Nuclear (sister company of New York Nuclear) emails the weekly edition of FreshFUEL to paid subscribers. In the past two issues weve reviewed, a screen shot is provided on Page 2. The companys tutorial can be found on its website at www.uranium.com.
Late Friday night each week, TradeTech publishes changes in the spot price in Nuclear Market Review. TradeTech interviews its proprietary list of market participants on Friday afternoon and gathers new data not reported in FreshFUEL. Because the market participants in the Wednesday screen sessions are mostly North American and European, TradeTech may obtain new data or find out about off-screen transactions post-Wednesdays screen trading. A new weekly spot price is reported on TradeTechs website at www.uranium.info
Every two weeks, Platts Nuclear Fuel is published for the nuclear industry. In the May 21st edition, one of three front page headlines reported, Two uranium auctions expected to push U price up. Spot price transactions, according to traders Platts interviewed, were expected to reach between $120 and $140/pound U3O8. Because Platts emails its newsletter to paid subscribers on Friday before TradeTech issues its weekly spot price, Platts subscribers get the old price.
Sometime on late Monday, Ux Consulting reports its spot uranium price to paid subscribers. On a few occasions there have been negligible discrepancies between the UxC price and the TradeTech weekly spot price. Late Tuesday, non-UxC subscribers find out this consulting firms price indicator.
The next day, on early Wednesday morning a new cycle begins when New York Nuclear conducts the next session of its screen trading.
For all the hoopla, little uranium price transparency has taken place with NYMEX futures. Ux Consulting president Jeff Combs announced it would take about six months or so to develop. Its the or so part we believe may take longer than Mr. Combs expects. In the way of an apology, NYMEX suggested this tiny amount of trading was what was expected.
NYMEX faces the same hurdles New York Nuclear has yet to overcome. Risk management departments at utilities question whether or not they will participate in these futures. Of those weve had conversations with, we are told, We are still studying this.
Between New York Nuclears Wednesday screen trading of physical uranium (as opposed to paper trading) and TradeTechs weekly report on the spot uranium price, we obtain some guidance as to the direction of the uranium market.
But this only provides short term visibility. Until the long-term uranium price and the spot price narrow the spread, and until price transparency comes about from the escalating floor contracts, the general public will remain in the dark.
A real solution would come from physical uranium trading on a grand scale, as Joe McCourt envisions, instead of the fiat trading now taking place.
COPYRIGHT © 2007 by http://StockInterview.com
James Finch contributes to StockInterview.com and other publications. He has contributed to the widely popular Investing in the Great Uranium Bull Market, and Uranium Outlook 2007 - 2008. His recent work, Investing in Chinas Energy Crisis, is now available at http://bookstore.stockinterview.com/Mortgage Lead Transfers
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Sell Real Estate FAST With A "Seller Second"
The real estate market has been showing signs of slowing and more and more properties are advertised for sale; however, one real estate transaction type is gaining in popularity and that is the "seller second". In such a scenario, the seller holds a second mortgage allowing the buyer to purchase the home with little or no-money-down. The down payment or a portion thereof is effectively financed with the "seller second".
Since the first mortgage balance will be less than 100% of the sale's price, there is a lower inherent risk to the first mortgage lender who in turn is willing to approve a buyer who would otherwise not qualify for a no-money-down first mortgage. This dramatically increases the pool of potential buyers and that leads to a quick sale in today's market.
Typical minimum credit score requirements for a no-money-down loan are 580 or above; but, with the assistance of a 5% (5% of the sale's price) "seller held second", a buyer can purchase a home with a 550 credit score. With a 20% seller held second, a buyer with a 500 credit score can buy a home no-money-down. With a 35% seller held second, there are no credit score requirements for the buyer.
After closing, the buyer will have two monthly mortgage payments, one payment to the first mortgage holder and a second payment to the seller. The second mortgage is typically structured as a thirty-year amortization with a five-year balloon. At the end of the first year, the buyer can refinance the first and second mortgage into one new first mortgage and at that time the seller will recoup the balance of the "seller second". In the meantime the seller will receive interest only payments from the buyer.
A year ago, it was a seller's market. Properties were selling as soon as the real estate 'for sale' sign was planted in the yard. At that time, it was not uncommon to hear of bidding wars in the driveway and the subject property would end up selling for more than the asking price. Now we are in a different market. We have entered a buyer's market. Properties remain listed for sale for periods of time that exceed a sellers comfort level. Driving down a typical street in Any Town, USA, one might see numerous 'for sale' signs and even signs reading the likes of "price reduced". Reducing the price of a house does not significantly increase the pool of buyers that potentially qualify for financing for that property and therefore, demand remains unchanged as the result of a price reduction. The solution can be found through offering a "seller second".
A "seller second" effectively increases the number of buyers that qualify for financing and subsequently increases the demand. FICO statistics seem to indicate there are approximately 25% of the scorable population in this country that have a credit score between 500 and 649. Offering a "seller second" to buyers in this range can turn them into qualified borrowers and happy homeowners.
To offer a "seller held second", a seller will need to have sufficient equity in the property. Also, sellers need to understand that there is a risk of default by the potential buyer.
Paul Jerome is a mortgage expert and contributor to Seller Helps Buyer, LLC. Seller Helps Buyer provides a format for sellers to showcase properties 'for sale' that are accompanied by a 'seller held second mortgage'.Mortgage Lead Programs
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Since the first mortgage balance will be less than 100% of the sale's price, there is a lower inherent risk to the first mortgage lender who in turn is willing to approve a buyer who would otherwise not qualify for a no-money-down first mortgage. This dramatically increases the pool of potential buyers and that leads to a quick sale in today's market.
Typical minimum credit score requirements for a no-money-down loan are 580 or above; but, with the assistance of a 5% (5% of the sale's price) "seller held second", a buyer can purchase a home with a 550 credit score. With a 20% seller held second, a buyer with a 500 credit score can buy a home no-money-down. With a 35% seller held second, there are no credit score requirements for the buyer.
After closing, the buyer will have two monthly mortgage payments, one payment to the first mortgage holder and a second payment to the seller. The second mortgage is typically structured as a thirty-year amortization with a five-year balloon. At the end of the first year, the buyer can refinance the first and second mortgage into one new first mortgage and at that time the seller will recoup the balance of the "seller second". In the meantime the seller will receive interest only payments from the buyer.
A year ago, it was a seller's market. Properties were selling as soon as the real estate 'for sale' sign was planted in the yard. At that time, it was not uncommon to hear of bidding wars in the driveway and the subject property would end up selling for more than the asking price. Now we are in a different market. We have entered a buyer's market. Properties remain listed for sale for periods of time that exceed a sellers comfort level. Driving down a typical street in Any Town, USA, one might see numerous 'for sale' signs and even signs reading the likes of "price reduced". Reducing the price of a house does not significantly increase the pool of buyers that potentially qualify for financing for that property and therefore, demand remains unchanged as the result of a price reduction. The solution can be found through offering a "seller second".
A "seller second" effectively increases the number of buyers that qualify for financing and subsequently increases the demand. FICO statistics seem to indicate there are approximately 25% of the scorable population in this country that have a credit score between 500 and 649. Offering a "seller second" to buyers in this range can turn them into qualified borrowers and happy homeowners.
To offer a "seller held second", a seller will need to have sufficient equity in the property. Also, sellers need to understand that there is a risk of default by the potential buyer.
Paul Jerome is a mortgage expert and contributor to Seller Helps Buyer, LLC. Seller Helps Buyer provides a format for sellers to showcase properties 'for sale' that are accompanied by a 'seller held second mortgage'.Mortgage Lead Programs
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Affiliate Marketing: What Is It, And How Can It Work For Me?
Affiliate marketing seems to be one of the Internet buzz-phrases that keeps coming around and around. You go to various website where products are sold and you typically see a banner add or text link that says something about 'You can become an affiliate and make 75% for each sale," or something like that.
But, what is affiliate marketing? Simple. You are essentially directing traffic around the Internet with simple ads or text links on a website that you operate, from merchants or other organizations that have a product or service to sell. Each time that merchant makes a sale based on your forwarding traffic - you get a percentage of that sale. Call it revenue sharing if you like.
The amount you make per sale varies from company to company and product to product, but in some cases the affiliate can make 80% of the profit from the sale. For example, affiliate marketing is a popular work at home way for e-book authors or sellers to get other people's help to market their product. Since they have little overhead (sales page maintenance), they can afford to give affiliates a larger piece of the pie - usually over 75% of the total sale. That means as an affiliate, you can make significant dollars, and do very little work - except promote products on your site.
Many people have set up web pages with the specific intent of providing information about a topic, and then having web-generated affiliate links appear on that page, along with the related information. Each time a web-surfer clicks through that link and then buys a product - you collect money! How is that for being able to make money around the clock! It really is an ingenious work at home opportunity that can make you a great deal of money - with only a modicum of work.
Affiliate marketing can also work for you and your own Internet sales site. Attract affiliate advertisers for your own product, and you can open up the vast sales net on the Internet. If you localize your marketing and only sell from your own website, you are probably missing millions of other potential sales by limiting your product to only one sales funnel. You know the laws of averages - the more people that visit your site - the more people are going to buy your product.
If you are looking for a great work at home opportunity, or just another stream of cash to help you get through each month, then you might take a look at the world of affiliate marketing. Done right - you can make hundreds, or maybe even thousands of dollars per month.
As far as work at home opportunities, it doesn't get any easier than affiliate marketing. If you already have a website, you can add text links or button links to hundreds of different merchants - many of which will work hand in hand with the theme of your website. You can generate dollars while you sleep - which is something most people would dream of - rather than putting it into action!
Bob Saville has had a great deal of success working from home over the past three years. His website http://www.internetmarketingatoz.com/ helps people find the information they need to start their own successful home business!Live Mortgage Leads
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But, what is affiliate marketing? Simple. You are essentially directing traffic around the Internet with simple ads or text links on a website that you operate, from merchants or other organizations that have a product or service to sell. Each time that merchant makes a sale based on your forwarding traffic - you get a percentage of that sale. Call it revenue sharing if you like.
The amount you make per sale varies from company to company and product to product, but in some cases the affiliate can make 80% of the profit from the sale. For example, affiliate marketing is a popular work at home way for e-book authors or sellers to get other people's help to market their product. Since they have little overhead (sales page maintenance), they can afford to give affiliates a larger piece of the pie - usually over 75% of the total sale. That means as an affiliate, you can make significant dollars, and do very little work - except promote products on your site.
Many people have set up web pages with the specific intent of providing information about a topic, and then having web-generated affiliate links appear on that page, along with the related information. Each time a web-surfer clicks through that link and then buys a product - you collect money! How is that for being able to make money around the clock! It really is an ingenious work at home opportunity that can make you a great deal of money - with only a modicum of work.
Affiliate marketing can also work for you and your own Internet sales site. Attract affiliate advertisers for your own product, and you can open up the vast sales net on the Internet. If you localize your marketing and only sell from your own website, you are probably missing millions of other potential sales by limiting your product to only one sales funnel. You know the laws of averages - the more people that visit your site - the more people are going to buy your product.
If you are looking for a great work at home opportunity, or just another stream of cash to help you get through each month, then you might take a look at the world of affiliate marketing. Done right - you can make hundreds, or maybe even thousands of dollars per month.
As far as work at home opportunities, it doesn't get any easier than affiliate marketing. If you already have a website, you can add text links or button links to hundreds of different merchants - many of which will work hand in hand with the theme of your website. You can generate dollars while you sleep - which is something most people would dream of - rather than putting it into action!
Bob Saville has had a great deal of success working from home over the past three years. His website http://www.internetmarketingatoz.com/ helps people find the information they need to start their own successful home business!Live Mortgage Leads
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Review of "Fergus, the Soccer Playing Colt"
Fergus, a palomino colt at Simpson Farms, displays unusual talents. Besides twirling in the air and executing daring back flips, Fergus loves to play soccer. Bobby Simpson and his friend, Ramon, set up a goal in the pasture and let Fergus guard it while they practice penalty kicks and heading the ball. The agile colt blocks all their shots. He flicks the ball off his nose or whirls around and kicks it with his back feet.
Soon the local news, then CNN and other networks feature the golden goalkeeper. People flock to the farm to watch Fergus play with the boys. All the publicity boosts the popularity of soccer in the United States, drawing the attention of Ian Connor from the International Soccer Federation. He asks to borrow Fergus and the boys for a fourteen-city tour promoting the colt and the sport of soccer. The boys parents agree and the tour launches successfully with Fergus enjoying the matches and playing flawlessly. All goes well until the colt is horse-napped partway through the tour by three bad guys who scheme to turn him into a bucking rodeo champ. The rest of the story relates Ferguss struggles and his return to Simpson Farms.
Petersons book should entice young (8- to 12-year-old) boys to read. He offers adventure, sports, and humor. His bad guys provide comic relief and still have a conscience. In an era when few books cater to the young male reader, Fergus is a welcome addition. Young girls can enjoy the story of this endearing colt, too.
Fergus, The Soccer-Playing Colt
By Dan A. Peterson
Raven Publishing, Inc. (2005)
Reviewed by Kim Peterson (not related to author) for Reader Views (1/06)
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Learning To Compete In A Very Competitive Industry: Travel
Over the years, many of us have heard about the opportunities available in wholesale travel. As a consumer, we can recognize that if these wholesale travel packages are legitimate, then we will have access to vacation packages that would make the average traveler drool over their possibilities in travel destinations. When we slide the shoe to the other foot and consider wholesale travel as a business opportunity, we question whether we have the knowledge or fortitude to succeed in this type of business.
Read on as we examine wholesale travel from the perspective of the consumer and the online businessperson seeking new opportunities in profit.
Beware of The Discount Travel Scams
While the wholesale travel industry is a legitimate industry offering legitimate travel packages, there are a few people out there offering deals that are less than favorable to consumers.
The most common travel scam is the kind used to sell timeshare packages in real estate. The real estate agent will give you a free three-day package to an attractive destination, IF your yearly salary meets certain minimums AND you agree to sit down and listen to a sales pitch for timeshare properties.
Now, there is nothing wrong with timeshares per se, but the methods that some unscrupulous agents employ to sell timeshares are shameful to say the least. Timeshare supported vacations are well known for their hard-sell approach to the sales process.
As a result, when most people speak of discount travel or wholesale travel, the first thought that comes to the mind of most consumers is the timeshare sales pitch. As a result, consumers generally have a poor opinion of discount travel or wholesale travel, based only on their fears of timeshare selling scams.
Be Aware Of Travel Restrictions With Some Packages
There are three types of restrictions that may accompany some discount travel packages:
* Expiration Dates: Many packages come with defined expiration dates that make them difficult-to-use by the stated due-date. Not all of us can gear up to take our vacation within the next 90 days. So, be certain to read the fine print of any offer that is made available to you.
* Blackout Dates: Blackout dates were made famous by David Spade's representation of Capital One Credit Cards. Some travel rewards carry blackout dates to limit the expense of those rewards. They don't want you using your travel rewards over the Thanksgiving weekend, since that is the busiest travel weekend of the year, and prices are generally higher for that peak period. Travel rewards aside, some travel packages employ blackout dates as well. Check the fine print to make sure that any blackout dates offered with a package do not interfere with how you want to use the travel package.
* Non-Transferable Vouchers: In theory, if you buy a hotel room and an airline ticket to Jamaica for the weekend and if something were to happen in your life that prevented you from using your purchased services, you could give the tickets and reservations to your best friend, so your money would not be wasted. Some travel vouchers may prevent you from transferring your vacation to another party. As always, read the fine print to know what restrictions might limit your vacation plans.
In a lot of cases, even if these restrictions exist, they will not interfere with your vacation plans. But, it is far better to be aware of a limitation before you buy your vacation, than it is to find out about those restrictions when you are ready to plan your trip.
How Do Service Providers Profit From Vacation Packages?
Where the value of discount travel or wholesale travel packages distracts many people, is this underlying question of how companies can offer these types of packages. The consumer is confused by the whole concept of free vacations, so we will look into the profit motive here.
When people are looking at an offer of a free vacation that consists of three days in a hotel room, many people are dumbfounded that such a thing could exist. If we use Las Vegas hotels and Orlando Florida hotels as examples, it is a much easier concept to understand.
When a Las Vegas hotel offers a free three-day stay, they do so with the expectation that you may spend several hundred or thousand dollars in their casino. If you did not take the free stay in their hotel room, you may have taken your vacation in Las Vegas anyhow, but stayed in one of their competitor's hotel rooms. If that were to happen, then their competitor would have won your money in their casino instead.
Hotels in vacation spots such as Orlando Florida may be receiving rewards from Walt Disney World to ensure that you spend your vacation at Walt Disney World, instead of Six Flags Over Texas. The hotel will receive money from Walt Disney World for your stay, and you will eat several meals and use several services at the hotel that gave you the hotel room for free.
Free services frequently provide the lubrication that helps a local economy soar, so many businesses will offer rewards to the hotel chains to offer free hotel rooms to visitors.
Do keep in mind that if you do get a free hotel room, there will still be a small cost to you in terms of the taxes excised on that hotel room stay. State laws mandate that all visitors pay taxes on their hotel rooms, and even though your stay might be free, you will still be required to pay the taxes on the room.
How The Airline Industry Profits From Discount Air Travel
When an airplane flies from New York City to Los Angeles, they always have a specific number of seats on that flight. Even if only twenty people paid for that flight, they airline would be required to make the journey, with all of its empty seats in tow.
So, airlines have constructed a very unique business model to make sure their empty seats are filled. When you buy a seat directly from the airline company, you will most always pay full price for the seat. If you buy your airline seat from a travel company, you can often find discounts on those seats.
Very literally, airline companies calculate how many seats they will sell on their own for each flight, and then they wholesale the remaining seats to travel agencies and other travel companies, to ensure that they will fill most or all of their seats.
The travel industry will buy seats on the airplane for as much as 90% off the retail cost of a flight. Then they will turn around and sell those flights to their customers at a markup. The actual discount rate will vary by the company making the offer, since only the biggest wholesale travel companies will get the deepest discounts, and the travel agencies usually buy seats from these airline seat wholesalers.
Can The Little Guy Compete In A Market Saturated by Big Players?
Simply put, yes. A friend of mine at Dreams By Vasrue has built his own little travel empire selling wholesale travel packages. In a recent month, he was able to generate $18,000 in profits these were profits, not total sales.
With a saturated market filled by big names such as Travelocity, Expedia, Orbitz and many others, you would think it impossible to compete in such a crowded marketplace. But, you must remember that these big travel websites are operating as the travel agency, buying travel services at wholesale and marking up their prices to make a significant profit.
This leaves the little guys lots of opportunity to reach the buying public in ways that the big websites cannot do themselves. The big websites are not in the business of offering true wholesale travel, because they are like travel agencies selling retail travel to consumers.
The Lesson In This Story
The lesson in this story is that the Internet is offering lots of entrepreneurs a way to stand up and compete with the largest corporations on the planet in a multitude of industries.
As an online businessperson, you should always be looking for that new opportunity that could make you very wealthy. When you take the time to learn the internal workings of any industry, you will uncover opportunities to compete successfully and prosperously with the biggest names in your own industries.
Bill Platt writes and ghost writes articles for dissemination on the World Wide Web through http://thePhantomWriters.com His company also offers article distribution services to people who write their own articles. Reach Bill at 405-780-7745 between 9am-6pm, M-F. One thing that success brings online entrepreneurs is the opportunity to travel more frequently. If you are interested in learning about wholesale travel as a way to save money or as a business opportunity, please visit http://www.DreamsByVasrue.com/ to learn more about the programs offered by Clinton Douglas IV.Mortgage Lead Programs
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Read on as we examine wholesale travel from the perspective of the consumer and the online businessperson seeking new opportunities in profit.
Beware of The Discount Travel Scams
While the wholesale travel industry is a legitimate industry offering legitimate travel packages, there are a few people out there offering deals that are less than favorable to consumers.
The most common travel scam is the kind used to sell timeshare packages in real estate. The real estate agent will give you a free three-day package to an attractive destination, IF your yearly salary meets certain minimums AND you agree to sit down and listen to a sales pitch for timeshare properties.
Now, there is nothing wrong with timeshares per se, but the methods that some unscrupulous agents employ to sell timeshares are shameful to say the least. Timeshare supported vacations are well known for their hard-sell approach to the sales process.
As a result, when most people speak of discount travel or wholesale travel, the first thought that comes to the mind of most consumers is the timeshare sales pitch. As a result, consumers generally have a poor opinion of discount travel or wholesale travel, based only on their fears of timeshare selling scams.
Be Aware Of Travel Restrictions With Some Packages
There are three types of restrictions that may accompany some discount travel packages:
* Expiration Dates: Many packages come with defined expiration dates that make them difficult-to-use by the stated due-date. Not all of us can gear up to take our vacation within the next 90 days. So, be certain to read the fine print of any offer that is made available to you.
* Blackout Dates: Blackout dates were made famous by David Spade's representation of Capital One Credit Cards. Some travel rewards carry blackout dates to limit the expense of those rewards. They don't want you using your travel rewards over the Thanksgiving weekend, since that is the busiest travel weekend of the year, and prices are generally higher for that peak period. Travel rewards aside, some travel packages employ blackout dates as well. Check the fine print to make sure that any blackout dates offered with a package do not interfere with how you want to use the travel package.
* Non-Transferable Vouchers: In theory, if you buy a hotel room and an airline ticket to Jamaica for the weekend and if something were to happen in your life that prevented you from using your purchased services, you could give the tickets and reservations to your best friend, so your money would not be wasted. Some travel vouchers may prevent you from transferring your vacation to another party. As always, read the fine print to know what restrictions might limit your vacation plans.
In a lot of cases, even if these restrictions exist, they will not interfere with your vacation plans. But, it is far better to be aware of a limitation before you buy your vacation, than it is to find out about those restrictions when you are ready to plan your trip.
How Do Service Providers Profit From Vacation Packages?
Where the value of discount travel or wholesale travel packages distracts many people, is this underlying question of how companies can offer these types of packages. The consumer is confused by the whole concept of free vacations, so we will look into the profit motive here.
When people are looking at an offer of a free vacation that consists of three days in a hotel room, many people are dumbfounded that such a thing could exist. If we use Las Vegas hotels and Orlando Florida hotels as examples, it is a much easier concept to understand.
When a Las Vegas hotel offers a free three-day stay, they do so with the expectation that you may spend several hundred or thousand dollars in their casino. If you did not take the free stay in their hotel room, you may have taken your vacation in Las Vegas anyhow, but stayed in one of their competitor's hotel rooms. If that were to happen, then their competitor would have won your money in their casino instead.
Hotels in vacation spots such as Orlando Florida may be receiving rewards from Walt Disney World to ensure that you spend your vacation at Walt Disney World, instead of Six Flags Over Texas. The hotel will receive money from Walt Disney World for your stay, and you will eat several meals and use several services at the hotel that gave you the hotel room for free.
Free services frequently provide the lubrication that helps a local economy soar, so many businesses will offer rewards to the hotel chains to offer free hotel rooms to visitors.
Do keep in mind that if you do get a free hotel room, there will still be a small cost to you in terms of the taxes excised on that hotel room stay. State laws mandate that all visitors pay taxes on their hotel rooms, and even though your stay might be free, you will still be required to pay the taxes on the room.
How The Airline Industry Profits From Discount Air Travel
When an airplane flies from New York City to Los Angeles, they always have a specific number of seats on that flight. Even if only twenty people paid for that flight, they airline would be required to make the journey, with all of its empty seats in tow.
So, airlines have constructed a very unique business model to make sure their empty seats are filled. When you buy a seat directly from the airline company, you will most always pay full price for the seat. If you buy your airline seat from a travel company, you can often find discounts on those seats.
Very literally, airline companies calculate how many seats they will sell on their own for each flight, and then they wholesale the remaining seats to travel agencies and other travel companies, to ensure that they will fill most or all of their seats.
The travel industry will buy seats on the airplane for as much as 90% off the retail cost of a flight. Then they will turn around and sell those flights to their customers at a markup. The actual discount rate will vary by the company making the offer, since only the biggest wholesale travel companies will get the deepest discounts, and the travel agencies usually buy seats from these airline seat wholesalers.
Can The Little Guy Compete In A Market Saturated by Big Players?
Simply put, yes. A friend of mine at Dreams By Vasrue has built his own little travel empire selling wholesale travel packages. In a recent month, he was able to generate $18,000 in profits these were profits, not total sales.
With a saturated market filled by big names such as Travelocity, Expedia, Orbitz and many others, you would think it impossible to compete in such a crowded marketplace. But, you must remember that these big travel websites are operating as the travel agency, buying travel services at wholesale and marking up their prices to make a significant profit.
This leaves the little guys lots of opportunity to reach the buying public in ways that the big websites cannot do themselves. The big websites are not in the business of offering true wholesale travel, because they are like travel agencies selling retail travel to consumers.
The Lesson In This Story
The lesson in this story is that the Internet is offering lots of entrepreneurs a way to stand up and compete with the largest corporations on the planet in a multitude of industries.
As an online businessperson, you should always be looking for that new opportunity that could make you very wealthy. When you take the time to learn the internal workings of any industry, you will uncover opportunities to compete successfully and prosperously with the biggest names in your own industries.
Bill Platt writes and ghost writes articles for dissemination on the World Wide Web through http://thePhantomWriters.com His company also offers article distribution services to people who write their own articles. Reach Bill at 405-780-7745 between 9am-6pm, M-F. One thing that success brings online entrepreneurs is the opportunity to travel more frequently. If you are interested in learning about wholesale travel as a way to save money or as a business opportunity, please visit http://www.DreamsByVasrue.com/ to learn more about the programs offered by Clinton Douglas IV.Mortgage Lead Programs
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Asserting Your Online Marketing Message
When I tell people that I create online advertising, it often generates the same level of goodwill one might experience by wearing a New York Yankees cap into Fenway Park.
Oh, they often say, Do you make those pop-up ads? I really hate pop-up ads!
It is at this point in the conversation when I quickly change the subject to something more uplifting like the weather, current events or the contemplation of dental surgery.
Its not lost on me that most people hate this type of advertising. I hate it too. So do most of the people I know who work in marketing. However, most of the online advertising formats that online advertisers use today exist because they have been shown to be effective in generating sales and leads. On the other hand, pop-ups have already gone the way of the dinosaur seemingly having done more to generate business for people to created pop-up blocker software then they did to promote value of the goods and services they represented.
The reality of online marketing is that its still in its infancy. This is still largely uncharted territory and as a result, many marketers are willing try anything to see if it works for them. This has resulted in waves of new marketing approaches, some which seem designed to drive their potential customers insane with rage.
The point of the matter is that online marketers are looking for ways to reach out to the people they want to become their customers. Unfortunately, in many cases, that reaching out offers the same emotional appeal as being attacked and dragged into an alley.
When I work with online marketers, I often start by reminding them that their real goal is to find a way of communicating with potential customers. Its not about assaulting passersby with a marketing pitch nor is it about tricking people into clicking on ads. All online marketing should be focused on telling consumers what it is that your company or offerings mean to them as individuals.
Each advertisement, online or off, should have a main point that it wants to make. This point should serve to drive the consumer toward making a decision about whether or not they should purchase the products or services being offered.
A few years ago I designed an online marketing methodology I call the ASSERT model. This model outlines 6 steps that any successful online ad needs to incorporate in order to reach out to people in a way that will make them respond favorably. The steps are:
1. Attract the consumers attention
2. Show the consumer benefit
3. Specify which actions to take
4. Engage the consumer
5. Reinforce the message
6. Terminate the transaction
Lets zoom in for a closer look.
Attract the consumers attention
The most basic law of marketing is that you first need to get the consumers attention. Without this step being successful nothing else matters. However, there are ways of attracting attention to products and services being offered online that dont include obnoxious or overly aggressive behavior.
One of the best ways to reach prospective consumers is to show them that you respect them. Its not surprising that most consumers dislike online advertising because of the way they have been suckered, tricked, bombarded and bullied in the past by ads whose only function is to be seen. While these guerilla tactics might achieve the task of getting noticed, they often have the undesired effect of negatively branding the advertiser.
Many of the best results in online marketing come from ad units whose purpose is immediately obvious to the consumer. Ads that offer animations, interactivity and slick graphics are easily noticed and may cause the consumer to linger for a moment to determine if the offer being made fits any personal needs.
The use of language is also a strong draw in attracting a consumers attention. Ads that quickly get to the point are much more effective then those which end up being too vague or subtle.
Also effective is the use of trigger words such as FREE, NEW, SPECIAL or EXCLUSIVE. These dynamic words automatically communicate concepts that appeal to many consumers. We like things that are different and new and special. We especially like free things.
Show the consumer benefit
At the core of most human behavior is the continuous search for ways in which we can improve our lives. As a result, our receptors are always open for any stimuli that appear beneficial.
The primary filter that we all use as we look at the world is one of relevance to our personal needs. Mostly, we make subconscious judgments about the hundreds of opportunities that present themselves to us daily. For example, a marketer earnestly trying to get my attention so that I can be sold the latest fashion in womens shoes is going to have a hard time reaching me. The product being offered is irrelevant to my needs just as I imagine my wife would be a hard sell for a beard trimmer. If the offer isnt relevant to a consumer, then the doorway used to communicate benefit is never opened.
Showing benefit can be as simple as the advertiser explaining what the offer means to the consumer. For example, a tag line that reads Let us show you how you can save money on your auto insurance leaves little room for misunderstanding. The benefit is of savings. However, its also clear that that benefit is also only relevant to those people who buy auto insurance and most specifically geared toward those who already have an automobile insurance policy. For those that the ad doesnt speak to, theres no need to stop and visit.
The method in which the marketing message is delivered also says a great deal about the benefit being offered. Many pop-up ads, spam e-mails and other invasive ads already have a message attached to them. Too often the message states very clearly, We dont really respect you but hope youre stupid enough to click on our ad.
While there may be a few suckers out there, the majority of consumers are just like you and me. We recognize a good thing readily. We can also recognize a bad thing. If you can express genuine respect when you approach potential customers, youll do a lot more business.
Specify which actions to take
Advertisers need to think of the ads they run as marketing representatives of their companies. Does that ad reflect the way the advertiser would like to be perceived? Is it apparent that the advertiser has the consumers best interests in mind? Is the ad showing the consumer the same level of respect that they would receive if they were dealing with the advertiser face-to-face? As a good host, it is up to the advertiser to make the consumer feel comfortable not only with the offer but the way in which that offer is presented.
Just as youd tell a house guest looking for the restroom that it was down the hall, second door on the left, you also need to be able to tell the consumer what actions they need to take to acquire the benefit of the offer being made.
For ads that focus on driving traffic to a Web site, that action might be to click on the ad to visit the Web site. In interactive ad formats, the action might include viewing an online brochure, playing a game or providing data to the advertiser so that a more personalized offer could be made.
Dont make the consumer guess about their role in the marketing process. The human behavioral default when confronted with things that appear unclear or ill-defined is to avoid them in hopes that they go away.
Engage the consumer
Once an ad has grabbed the attention of the consumer, the next task is to find a way to hold that consumers attention long enough to provide them with the marketing message.
In online advertising the opportunity to request and achieve direct action on the part of the consumer is part of the marketing process. Online advertising doesnt have to be a passive experience nor should it be. There are many ways to get the consumer to participate in the marketing process. Interactive ad formats offer games, simulations, tools and surveys as a way of holding the attention of prospects, while traditional online advertising focuses on driving traffic to the Web site. Either way, the consumer is expected to get involved in the process. Make it clear what is expected on them.
Reinforce the message
Every marketing piece should have a main point it is trying to make. That main point might be a clarification of the benefits being offered, a special deal that has a limited time offer, a list of advantages over what a competitor is offering or simply an opportunity to brand a companys name and logo. As long as you have their attention, make certain that every second counts toward the consumer leaving the experience with a full understand of what the point of the ad is.
Terminate the transaction
Finally, like any good hosting situation, the time will come when your guests will want to leave. Make it possible for the consumer to do so gracefully and with little discomfort. If the marketing task has been completed, thank the consumers for their time and attention and offer a nice clean place to break off the event. A good parting can lead to a positive recollection of the event the next time they see an offer from your company.
Different marketers will have different needs. However, all paths should lead toward getting consumers involved, telling them why an offer is important to them and doing it in a way that is non-threatening and engaging. It just may be the approach that gets you remembered positively.
Sidebar Content
While advertising in general covers a great many topics and approaches, all ads need to be able to communicate clearly with the consumer. The initial question that a consumer will have when seeing any ad is What does this offer mean to me? If the offer is relevant to their needs, the next question will be what do I need to do to take advantage of this offer?
Successful marketing is based on being able to answers these questions before theyre even asked. Lets say, for example, that a company that offers mortgage services is creating a simple online ad. The first three steps of the ASSERT model might be:
Would you like to have more MONEY at the end of the month?
(Attract attention)
Refinancing today can save you THOUSANDS of dollars over the life of your mortgage (Show benefit)
Enter your Email address and we will instantly send you our FREE report (Specify action to take)
With those 3 simple lines the relevance message has been successfully delivered.
From that point on, the ad could offer an interactive option that pops up a simple mortgage calculator. (Engage consumer)
By entering their current mortgage information and comparing it again whats being offered the consumer can get a very realistic idea of the savings being offered. (Reinforce message)
At this point, convinced that further exploration is to their benefit, the consumer can safely get more information (that will also serve to reinforce the benefit) just by entering an email address.
Once the email address has been entered and submitted, the ad might respond with a message like We have sent you a free report! Thanks for your interest in XYZ Mortgage. Click here to visit our Web site! (Terminate transaction)
At this point the process is complete. For the consumer who wants to visit the advertisers Web site that option is available but the real core of the marketing goal has already been achieved. The advertiser has been able to deliver the message to the consumer. While the onus is on the consumer to read over the sent materials and make efforts to refinance, the advertiser can provide periodic email reminders to the consumer.
Rob Graham is the Director of Training for LearningCraft, LLC. (http://www.learningcraft.com), a training company catering to the needs of online marketers and businesses learning to communicate effectively in the online world. He can be reached at robgraham@learningcraft.com.Exclusive Mortgage Leads
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Oh, they often say, Do you make those pop-up ads? I really hate pop-up ads!
It is at this point in the conversation when I quickly change the subject to something more uplifting like the weather, current events or the contemplation of dental surgery.
Its not lost on me that most people hate this type of advertising. I hate it too. So do most of the people I know who work in marketing. However, most of the online advertising formats that online advertisers use today exist because they have been shown to be effective in generating sales and leads. On the other hand, pop-ups have already gone the way of the dinosaur seemingly having done more to generate business for people to created pop-up blocker software then they did to promote value of the goods and services they represented.
The reality of online marketing is that its still in its infancy. This is still largely uncharted territory and as a result, many marketers are willing try anything to see if it works for them. This has resulted in waves of new marketing approaches, some which seem designed to drive their potential customers insane with rage.
The point of the matter is that online marketers are looking for ways to reach out to the people they want to become their customers. Unfortunately, in many cases, that reaching out offers the same emotional appeal as being attacked and dragged into an alley.
When I work with online marketers, I often start by reminding them that their real goal is to find a way of communicating with potential customers. Its not about assaulting passersby with a marketing pitch nor is it about tricking people into clicking on ads. All online marketing should be focused on telling consumers what it is that your company or offerings mean to them as individuals.
Each advertisement, online or off, should have a main point that it wants to make. This point should serve to drive the consumer toward making a decision about whether or not they should purchase the products or services being offered.
A few years ago I designed an online marketing methodology I call the ASSERT model. This model outlines 6 steps that any successful online ad needs to incorporate in order to reach out to people in a way that will make them respond favorably. The steps are:
1. Attract the consumers attention
2. Show the consumer benefit
3. Specify which actions to take
4. Engage the consumer
5. Reinforce the message
6. Terminate the transaction
Lets zoom in for a closer look.
Attract the consumers attention
The most basic law of marketing is that you first need to get the consumers attention. Without this step being successful nothing else matters. However, there are ways of attracting attention to products and services being offered online that dont include obnoxious or overly aggressive behavior.
One of the best ways to reach prospective consumers is to show them that you respect them. Its not surprising that most consumers dislike online advertising because of the way they have been suckered, tricked, bombarded and bullied in the past by ads whose only function is to be seen. While these guerilla tactics might achieve the task of getting noticed, they often have the undesired effect of negatively branding the advertiser.
Many of the best results in online marketing come from ad units whose purpose is immediately obvious to the consumer. Ads that offer animations, interactivity and slick graphics are easily noticed and may cause the consumer to linger for a moment to determine if the offer being made fits any personal needs.
The use of language is also a strong draw in attracting a consumers attention. Ads that quickly get to the point are much more effective then those which end up being too vague or subtle.
Also effective is the use of trigger words such as FREE, NEW, SPECIAL or EXCLUSIVE. These dynamic words automatically communicate concepts that appeal to many consumers. We like things that are different and new and special. We especially like free things.
Show the consumer benefit
At the core of most human behavior is the continuous search for ways in which we can improve our lives. As a result, our receptors are always open for any stimuli that appear beneficial.
The primary filter that we all use as we look at the world is one of relevance to our personal needs. Mostly, we make subconscious judgments about the hundreds of opportunities that present themselves to us daily. For example, a marketer earnestly trying to get my attention so that I can be sold the latest fashion in womens shoes is going to have a hard time reaching me. The product being offered is irrelevant to my needs just as I imagine my wife would be a hard sell for a beard trimmer. If the offer isnt relevant to a consumer, then the doorway used to communicate benefit is never opened.
Showing benefit can be as simple as the advertiser explaining what the offer means to the consumer. For example, a tag line that reads Let us show you how you can save money on your auto insurance leaves little room for misunderstanding. The benefit is of savings. However, its also clear that that benefit is also only relevant to those people who buy auto insurance and most specifically geared toward those who already have an automobile insurance policy. For those that the ad doesnt speak to, theres no need to stop and visit.
The method in which the marketing message is delivered also says a great deal about the benefit being offered. Many pop-up ads, spam e-mails and other invasive ads already have a message attached to them. Too often the message states very clearly, We dont really respect you but hope youre stupid enough to click on our ad.
While there may be a few suckers out there, the majority of consumers are just like you and me. We recognize a good thing readily. We can also recognize a bad thing. If you can express genuine respect when you approach potential customers, youll do a lot more business.
Specify which actions to take
Advertisers need to think of the ads they run as marketing representatives of their companies. Does that ad reflect the way the advertiser would like to be perceived? Is it apparent that the advertiser has the consumers best interests in mind? Is the ad showing the consumer the same level of respect that they would receive if they were dealing with the advertiser face-to-face? As a good host, it is up to the advertiser to make the consumer feel comfortable not only with the offer but the way in which that offer is presented.
Just as youd tell a house guest looking for the restroom that it was down the hall, second door on the left, you also need to be able to tell the consumer what actions they need to take to acquire the benefit of the offer being made.
For ads that focus on driving traffic to a Web site, that action might be to click on the ad to visit the Web site. In interactive ad formats, the action might include viewing an online brochure, playing a game or providing data to the advertiser so that a more personalized offer could be made.
Dont make the consumer guess about their role in the marketing process. The human behavioral default when confronted with things that appear unclear or ill-defined is to avoid them in hopes that they go away.
Engage the consumer
Once an ad has grabbed the attention of the consumer, the next task is to find a way to hold that consumers attention long enough to provide them with the marketing message.
In online advertising the opportunity to request and achieve direct action on the part of the consumer is part of the marketing process. Online advertising doesnt have to be a passive experience nor should it be. There are many ways to get the consumer to participate in the marketing process. Interactive ad formats offer games, simulations, tools and surveys as a way of holding the attention of prospects, while traditional online advertising focuses on driving traffic to the Web site. Either way, the consumer is expected to get involved in the process. Make it clear what is expected on them.
Reinforce the message
Every marketing piece should have a main point it is trying to make. That main point might be a clarification of the benefits being offered, a special deal that has a limited time offer, a list of advantages over what a competitor is offering or simply an opportunity to brand a companys name and logo. As long as you have their attention, make certain that every second counts toward the consumer leaving the experience with a full understand of what the point of the ad is.
Terminate the transaction
Finally, like any good hosting situation, the time will come when your guests will want to leave. Make it possible for the consumer to do so gracefully and with little discomfort. If the marketing task has been completed, thank the consumers for their time and attention and offer a nice clean place to break off the event. A good parting can lead to a positive recollection of the event the next time they see an offer from your company.
Different marketers will have different needs. However, all paths should lead toward getting consumers involved, telling them why an offer is important to them and doing it in a way that is non-threatening and engaging. It just may be the approach that gets you remembered positively.
Sidebar Content
While advertising in general covers a great many topics and approaches, all ads need to be able to communicate clearly with the consumer. The initial question that a consumer will have when seeing any ad is What does this offer mean to me? If the offer is relevant to their needs, the next question will be what do I need to do to take advantage of this offer?
Successful marketing is based on being able to answers these questions before theyre even asked. Lets say, for example, that a company that offers mortgage services is creating a simple online ad. The first three steps of the ASSERT model might be:
Would you like to have more MONEY at the end of the month?
(Attract attention)
Refinancing today can save you THOUSANDS of dollars over the life of your mortgage (Show benefit)
Enter your Email address and we will instantly send you our FREE report (Specify action to take)
With those 3 simple lines the relevance message has been successfully delivered.
From that point on, the ad could offer an interactive option that pops up a simple mortgage calculator. (Engage consumer)
By entering their current mortgage information and comparing it again whats being offered the consumer can get a very realistic idea of the savings being offered. (Reinforce message)
At this point, convinced that further exploration is to their benefit, the consumer can safely get more information (that will also serve to reinforce the benefit) just by entering an email address.
Once the email address has been entered and submitted, the ad might respond with a message like We have sent you a free report! Thanks for your interest in XYZ Mortgage. Click here to visit our Web site! (Terminate transaction)
At this point the process is complete. For the consumer who wants to visit the advertisers Web site that option is available but the real core of the marketing goal has already been achieved. The advertiser has been able to deliver the message to the consumer. While the onus is on the consumer to read over the sent materials and make efforts to refinance, the advertiser can provide periodic email reminders to the consumer.
Rob Graham is the Director of Training for LearningCraft, LLC. (http://www.learningcraft.com), a training company catering to the needs of online marketers and businesses learning to communicate effectively in the online world. He can be reached at robgraham@learningcraft.com.Exclusive Mortgage Leads
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Real Estate Agent Marketing Tools
Real estate agent marketing tools to increase your commissions by 25% to 50% this year, interested?
Ive concluded that 99% of real estate agents marketing tools are ineffective because they are you using A) push marketing B) not getting a tangible ROI in the name of getting their name our there (are advertising on benches???).
Furthermore, only 1% of real estate agents solve both of these challenges, not surprisingly they are also a part of the top 1% of commission earning agents. By the end of reading this real estate agent marketing tools article, you will have three simple tools for getting qualified leads and increasing your 25% to 50% in commissions this year.
SOLUTION: Internet Marketing for Real Estate Agents
Typical Internet Marketing for Real Estate Agent Approach:
WEBSITE + NO TRAFFIC = FANCY BROCHURE
Top 1% Internet Marketing for Real Estate Agent Approach:
WEBSITE + LOCAL GOOGLE + BIG ACTION = NEW BUSINESS
WEBSITE. If you have one, Ill let you in on a little secret, it doesnt matter what your website looks like (within reason), all that matters is getting targeted local traffic and having clearly defined BIG actions for successful real estate agent marketing tools.
NO WEBSITE. Before you hire anybody to design it, consult a website design company that specializes in real estate agents and internet marketing because they will be able to incorporate the next three solutions.
GOOGLE. What is it and why is it so important? Google is a search engine, where people search for websites, information, videos, etc. Its important because 67% of U.S. adults use search engines as a research tool before making a purchase decision*."
When potential clients (targeted traffic) search for the keyword your city + real estate agent (example, Miami real estate agent) wouldnt it be great if they found your website? When your website appears, let me say welcome to the 21st century of real estate agent marketing tools.
(*iCrossing, How America Searches: Online Shopping", August 2005)
If youre not found in Google for terms such as, your city + real estate agent, and within the first three pages of results, its like a selling a home without putting a for sale sign on the lawn or a listing on MLS, only a select few are going to know its for sale. Getting ranked in the first three pages doesnt just happen, you need to incorporate two simple solutions: Google pay-per-click (PPC) advertising and search engine optimization (SEO).
SOLUTION #1: GOOGLE PAY-PER-CLICK (PPC) ADVERTISING.
Pay-per-click (PPC) is an online advertising format, where you buy web traffic that's 100% customer targeted. Immediately (within minutes) after signing up with an account, your Ads will be placed on search engine result pages (SERP) for the searched "keywords" (phrases) relevant to your business.
The best part is that you only pay when someone clicks on your ad and not for the number of times (impressions) it appears on the screen. Secondly, because its a bidding system, you only pay as much as you want to, with no monthly minimum. To set-up a Google Adwords account go to: http://www.google.com/intl/en/ads/
SOLUTION #2: SEARCH ENGINE OPTIMIZATION.
Instead of paying for being in the sponsored links portion, you could appear in the natural (aka organic) portion of the search engine result page (SERP), internet marketers use a simple and powerful marketing concept called search engine optimization (SEO). There are two forms of SEO techniques, I only recommend using "white hat" (ethical) SEO. The other form called "black hat" SEO, will most likely get you banned from search engines and tarnish your brand image.
How to search engine optimize your website is well beyond the scope of this article, entire books have been written on the subject of SEO. I highly recommend Michael Wongs Search Engine Optimization Strategies eBook.
SOLUTION #3: BIG ACTIONS.
What is the one action you want a first time visitor to take at your website? How are you going to get their email address or phone number?
A BIG action will answer both these questions. Here is a sample list of BIG actions for real estate agents' websites:
-- Call for a free property consultation
-- Sign-up for new housing listings
-- Sign-up for home buyer and seller education
-- Sign-up for a free current market assessment (CMA)
-- Sign-up for free virtual tours of property listings
-- Sign-up for a free property consultation
-- Sign-up for a free first time home buyers eBook
What your websites BIG actions are, needs to be the #1 answered question. If you dont know what your BIG actions are, then a first-time visitor to your website wont know either. If you have a BIG action it also needs to be up front on your homepage and limited to a maximum of three BIG actions.
Define and implement up to three BIG actions today, get their email and follow-up with automated emails, and get them to call you or sign-up for a property consultation, its that simple.
Implement these three local real estate agent marketing solutions and become a seven or six figure commission earning agent today.
JP Richards is a Google Qualified Adwords Professional, Search Engine Optimization (SEO) Consultant, and the founder of Toronto SEO Company.Live Mortgage Leads
Live Mortgage Leads
Voice Broadcasting
Mortgage Lead Transfers
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Ive concluded that 99% of real estate agents marketing tools are ineffective because they are you using A) push marketing B) not getting a tangible ROI in the name of getting their name our there (are advertising on benches???).
Furthermore, only 1% of real estate agents solve both of these challenges, not surprisingly they are also a part of the top 1% of commission earning agents. By the end of reading this real estate agent marketing tools article, you will have three simple tools for getting qualified leads and increasing your 25% to 50% in commissions this year.
SOLUTION: Internet Marketing for Real Estate Agents
Typical Internet Marketing for Real Estate Agent Approach:
WEBSITE + NO TRAFFIC = FANCY BROCHURE
Top 1% Internet Marketing for Real Estate Agent Approach:
WEBSITE + LOCAL GOOGLE + BIG ACTION = NEW BUSINESS
WEBSITE. If you have one, Ill let you in on a little secret, it doesnt matter what your website looks like (within reason), all that matters is getting targeted local traffic and having clearly defined BIG actions for successful real estate agent marketing tools.
NO WEBSITE. Before you hire anybody to design it, consult a website design company that specializes in real estate agents and internet marketing because they will be able to incorporate the next three solutions.
GOOGLE. What is it and why is it so important? Google is a search engine, where people search for websites, information, videos, etc. Its important because 67% of U.S. adults use search engines as a research tool before making a purchase decision*."
When potential clients (targeted traffic) search for the keyword your city + real estate agent (example, Miami real estate agent) wouldnt it be great if they found your website? When your website appears, let me say welcome to the 21st century of real estate agent marketing tools.
(*iCrossing, How America Searches: Online Shopping", August 2005)
If youre not found in Google for terms such as, your city + real estate agent, and within the first three pages of results, its like a selling a home without putting a for sale sign on the lawn or a listing on MLS, only a select few are going to know its for sale. Getting ranked in the first three pages doesnt just happen, you need to incorporate two simple solutions: Google pay-per-click (PPC) advertising and search engine optimization (SEO).
SOLUTION #1: GOOGLE PAY-PER-CLICK (PPC) ADVERTISING.
Pay-per-click (PPC) is an online advertising format, where you buy web traffic that's 100% customer targeted. Immediately (within minutes) after signing up with an account, your Ads will be placed on search engine result pages (SERP) for the searched "keywords" (phrases) relevant to your business.
The best part is that you only pay when someone clicks on your ad and not for the number of times (impressions) it appears on the screen. Secondly, because its a bidding system, you only pay as much as you want to, with no monthly minimum. To set-up a Google Adwords account go to: http://www.google.com/intl/en/ads/
SOLUTION #2: SEARCH ENGINE OPTIMIZATION.
Instead of paying for being in the sponsored links portion, you could appear in the natural (aka organic) portion of the search engine result page (SERP), internet marketers use a simple and powerful marketing concept called search engine optimization (SEO). There are two forms of SEO techniques, I only recommend using "white hat" (ethical) SEO. The other form called "black hat" SEO, will most likely get you banned from search engines and tarnish your brand image.
How to search engine optimize your website is well beyond the scope of this article, entire books have been written on the subject of SEO. I highly recommend Michael Wongs Search Engine Optimization Strategies eBook.
SOLUTION #3: BIG ACTIONS.
What is the one action you want a first time visitor to take at your website? How are you going to get their email address or phone number?
A BIG action will answer both these questions. Here is a sample list of BIG actions for real estate agents' websites:
-- Call for a free property consultation
-- Sign-up for new housing listings
-- Sign-up for home buyer and seller education
-- Sign-up for a free current market assessment (CMA)
-- Sign-up for free virtual tours of property listings
-- Sign-up for a free property consultation
-- Sign-up for a free first time home buyers eBook
What your websites BIG actions are, needs to be the #1 answered question. If you dont know what your BIG actions are, then a first-time visitor to your website wont know either. If you have a BIG action it also needs to be up front on your homepage and limited to a maximum of three BIG actions.
Define and implement up to three BIG actions today, get their email and follow-up with automated emails, and get them to call you or sign-up for a property consultation, its that simple.
Implement these three local real estate agent marketing solutions and become a seven or six figure commission earning agent today.
JP Richards is a Google Qualified Adwords Professional, Search Engine Optimization (SEO) Consultant, and the founder of Toronto SEO Company.Live Mortgage Leads
Live Mortgage Leads
Voice Broadcasting
Mortgage Lead Transfers
Mortgage Lead Programs
How To Move House
Moving house is one of the most stressful life events. When I first came to London I had about twenty addresses in three years. After the first few moves I got pretty good at it. I had to! Here's what I did:
1. Pack well in advance
It used to drive me wild how some people in our house left it until the last minute. The result was they'd still be going back and forth from the old place, to the new, days later, for the last pot plant or bit of cutlery.
Make up your mind that you are quitting this house for good, then don't stay a minute longer than you have to. Otherwise you'll be wasting time that could be more profitably spent doing something else.
2. Put small things into a large container.
This saves multiple trips. Sturdy medium-size boxes are a life saver, as they can be stacked easily.
3. Containers should be light enough for one person to lift.
Some people try to fill up a big box with books, for example. The result: no one can lift it, or worse, it's just light enough for someone to try lifting it, and put their back out.
4. First to go in, last out.
You'll be putting the carpets down first, presumably, so they should be last into the van. If you're super organised you can decorate the new house 'on the fly'. Otherwise, put all your stuff in the smallest room in the new place, and then move it about from there, when it's all moved in. This stops the need to move stuff between rooms later.
5. Leave behind what you don't need.
If you've always hated the sofa, leave it behind. Some people have a curious pack-rat mentality; they love to hoard. If what you're hoarding is not gold or jewels, but jam-jars and newspapers, leave them behind.
6. Hire a big van with a big man.
This should really be the number one tip. The idea of a big van is that you'll make fewer trips, ideally only one. Some people try to save money by using their cars, or a friend with a mini van. The result: umpteen trips stretching over days. You get cheesed-off, and so does your friend. Instead of decorating your new place, you're still half-in the old one.
Moving house is very stressful. Get it done as quick as you can. Hire the biggest van you can find.
7. Many hands make light work.
After you've hired the big van, get as many friends as you can involved in the move. If you're really organised, you can move house in half a day. I did this once, to the great surprise and gratitude of the van driver we used. He'd been expecting a day-long slog.
8. Mark parking space for your van.
Cordon off enough parking space for your van driver, so he can park next to the house.
9. Cancel the utilities.
Bit of an obvious one, really. You don't want strangers running up bills in your name. Let the utilities know the date you're due to move out.
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Voice Broadcasting
My Cat Shall Pay Off My Mortgage!
My cat Tabatha is a little darling. I love all my cats, obviously, but Tab just has that lazy cheeky snuggly thing going that makes her special. She will only eat premium catfood, and obviously, the other 5 cats now agree with her. This costs a MOUNTAIN of money every week, and set me thinking "how nice it would be if my kitties would pay their own way".
While I may have meant it as a joke, I just realised it IS possible - all that needs to be done is for YOU to vote for Tabatha at http://www.petmillions.com/vote.asp?vote=3071. It would be real nice if I could win the $1,000,000 prize - I'd sure know how to spend it well. There are lots of good causes out there including my kitties!
Winning the http://www.petmillions.com contest requires your pet to get into the 'Grand Final' - where independent judges will decide the Grand winner. The other 239 finalists also get cash prizes too though, so please! Vote for Tabatha - the darling kitten! http://www.petmillions.com/vote.asp?vote=3071
Now here are a few cat tips for you too -
Hairballs are scary - hearing the "hack-hack" of a cat coughing up a hairball grinds on most people's nerves. Nothing is as disgusting as seeing one on the floor, unless it is stepping on it at night in bare feet. Yuk!!! But seriously, hairballs are a source of major discomfort for cats and can even be dangerous.
So here's how you prevent them.
Hairballs form when the cat grooms itself, so BRUSH! Most cats love being brushed - it reminds them of being licked by mum when they were kittens.
Feed them Hairball formula food, or special remedies - these usually have fat emulsifiers, as this is the 'glue' that binds the ball together.
Try giving your cats a small amount of butter (about half a teaspoon) 2 or 3 days a week. Canned pumpkin and baby food squash can also help, although your cat may not want to eat this.
And that's about it! So please, if you found this information useful, vote for Tabatha! http://www.petmillions.com/vote.asp?vote=3071
Bryce Dunleavy is active in cat charities across the USA, and has 6 cats of her own. These cost a FORTUNE to feed (not to mention Vets bills!) so Bryce feels its time the little loveable furballs started paying their way! Hence please vote for Tabatha at http://www.petmillions.com/vote.asp?vote=3071.Mortgage Lead Programs
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While I may have meant it as a joke, I just realised it IS possible - all that needs to be done is for YOU to vote for Tabatha at http://www.petmillions.com/vote.asp?vote=3071. It would be real nice if I could win the $1,000,000 prize - I'd sure know how to spend it well. There are lots of good causes out there including my kitties!
Winning the http://www.petmillions.com contest requires your pet to get into the 'Grand Final' - where independent judges will decide the Grand winner. The other 239 finalists also get cash prizes too though, so please! Vote for Tabatha - the darling kitten! http://www.petmillions.com/vote.asp?vote=3071
Now here are a few cat tips for you too -
Hairballs are scary - hearing the "hack-hack" of a cat coughing up a hairball grinds on most people's nerves. Nothing is as disgusting as seeing one on the floor, unless it is stepping on it at night in bare feet. Yuk!!! But seriously, hairballs are a source of major discomfort for cats and can even be dangerous.
So here's how you prevent them.
Hairballs form when the cat grooms itself, so BRUSH! Most cats love being brushed - it reminds them of being licked by mum when they were kittens.
Feed them Hairball formula food, or special remedies - these usually have fat emulsifiers, as this is the 'glue' that binds the ball together.
Try giving your cats a small amount of butter (about half a teaspoon) 2 or 3 days a week. Canned pumpkin and baby food squash can also help, although your cat may not want to eat this.
And that's about it! So please, if you found this information useful, vote for Tabatha! http://www.petmillions.com/vote.asp?vote=3071
Bryce Dunleavy is active in cat charities across the USA, and has 6 cats of her own. These cost a FORTUNE to feed (not to mention Vets bills!) so Bryce feels its time the little loveable furballs started paying their way! Hence please vote for Tabatha at http://www.petmillions.com/vote.asp?vote=3071.Mortgage Lead Programs
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Hurdle Free Low Cost Finance Ensured On Availing Council Tenant Loan
When a tenant lives in a certain place for considerable duration, he may like to buy that place or home and therefore he is called a council tenant. The tenant also has some rights on repairing or renovating their place of living. Council tenants therefore require funds to maintain the place or home they live in. With their limited income sources, there is no option other then to go for council tenant loan. However council tenant loan providers do not restrict tenants in utilizing loan for different purposes like debt consolidation, enjoying holiday trip, buying a vehicle etc.
Usually tenants do not own property so they can not take a secured loan. Therefore one can say that council tenant loan is normally unsecured loan. Lenders however need to secure the loan in the form of credibility of the tenant. This is done on going through credit history, income source, employment and financial position of the tenant. To take council tenant loan documents of income, employment and others demanded by the lender should be produced.
If the tenant has good credit history, council tenant loan is available to him at easier terms-conditions. He is likely to get higher loan amount at lower interest rate because of his good credentials, though unsecured loans do not come at lower interest rate.
In case tenant has bad credit, council tenant loan is equally available to him. The terms-conditions however may be a bit harder. Because of adverse creditability and history of repeated payment defaults, lenders offer the loan at higher interest rate to cover risk. Bad credit happens to tenants due to payment defaults on their part and County Court Judgments against them.
Council tenant loan is offered for a shorter period which is normally sufficient for paying off smaller loan that tenants normally require. The loan is approved fast as there is no need for lenders to waste time in evaluating collateral. Tenants are also free of any anxiety over loosing property. As far as higher interest rate is concerned, it can be taken care of by comparing different loan packages. Because of increasing competition in the loan market, lenders are willing to reduce interest rate fro deserving candidate.
To avail the loan at low cost, apply online for the loan. Council tenants get number of loan offers in response to the application and can compare for lower interest rate. Online lenders charge no fee on providing relevant information or on processing application.
Council tenant loan enables tenants in availing required finance at comparatively lower interest rate and low cost. The loan may help in improving credit score of tenants if paid back in time.
Peter Taylor is a senior financial analyst at FastCashLoanTenant with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles. His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas. To find Unsecured tenant Loan , Council tenant loan, Fast cash loan tenant UK, Bad credit tenant loan that best suits your need visit http://www.fastcashloantenant.co.ukExclusive Mortgage Leads
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Usually tenants do not own property so they can not take a secured loan. Therefore one can say that council tenant loan is normally unsecured loan. Lenders however need to secure the loan in the form of credibility of the tenant. This is done on going through credit history, income source, employment and financial position of the tenant. To take council tenant loan documents of income, employment and others demanded by the lender should be produced.
If the tenant has good credit history, council tenant loan is available to him at easier terms-conditions. He is likely to get higher loan amount at lower interest rate because of his good credentials, though unsecured loans do not come at lower interest rate.
In case tenant has bad credit, council tenant loan is equally available to him. The terms-conditions however may be a bit harder. Because of adverse creditability and history of repeated payment defaults, lenders offer the loan at higher interest rate to cover risk. Bad credit happens to tenants due to payment defaults on their part and County Court Judgments against them.
Council tenant loan is offered for a shorter period which is normally sufficient for paying off smaller loan that tenants normally require. The loan is approved fast as there is no need for lenders to waste time in evaluating collateral. Tenants are also free of any anxiety over loosing property. As far as higher interest rate is concerned, it can be taken care of by comparing different loan packages. Because of increasing competition in the loan market, lenders are willing to reduce interest rate fro deserving candidate.
To avail the loan at low cost, apply online for the loan. Council tenants get number of loan offers in response to the application and can compare for lower interest rate. Online lenders charge no fee on providing relevant information or on processing application.
Council tenant loan enables tenants in availing required finance at comparatively lower interest rate and low cost. The loan may help in improving credit score of tenants if paid back in time.
Peter Taylor is a senior financial analyst at FastCashLoanTenant with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles. His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas. To find Unsecured tenant Loan , Council tenant loan, Fast cash loan tenant UK, Bad credit tenant loan that best suits your need visit http://www.fastcashloantenant.co.ukExclusive Mortgage Leads
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Do you Know the Origin of Basketball?
Do you know the origin of basketball?
The origins of the game of basketball can be traced back to a gentleman by the name of Dr. James Naismith. In 1861, Naismith was born in Almonte, Ontario, Canada. During his early school days, Naismith would play a game called duck on a rock whereby the child would endeavor to knock the duck off the top of the rock with a toss of another rock.
Later on, Naismith would go on to McGill University in Montreal and would later become McGill University's Athletic Director. He would subsequently move on to YMCA Training School in Springfield, Massachusetts and in 1891, the game of basketball began.
Given the cold Massachusetts winters, Naismith needed to find a recreational activity that could be played indoors and he preferred a sport that would develop skill and one that was not exclusively relying on strength. The first game was played with two peach baskets for goals and a soccer ball.
Further to his credit, Naismith became a medical doctor specializing in sports physiology and a Presbyterian minister. Naismith was able to see his beloved sport of basketball, gain acceptance in numerous countries through the YMCA since 1893. As well, the sport of basketball was brought forth at the Berlin Olympics in 1936. As we speak, the game of basketball has become a very popular professional sport.
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Who Should Hire the Real Estate Appraiser and Why?
Everyone involved in the sale of real estate has a vested interest in the results of a real estate appraisal. The outcome affects the seller, the buyer, the lender, and even the realtor.
A too low valuation of the property by the appraiser could mean a seller must lower the asking price. For a lending officer, it could mean a lesser commission or none at all. A too high valuation means the buyer could be paying more than the property is worth. For the realtor, his/her commission could go higher or lower, which is based on the purchase/sell price of the real estate.
An appraiser, who should be licensed by the state, performs the real estate appraisal. It is best to hire someone local with years of full-time experience in order to get a more accurate appraisal. The appraiser and appraisal are governed by the minimum standards, published periodically in the Uniform Standard of Professional Appraisal Practice by the Appraisal Foundation. The Foundation is chartered by Congress.
The recent real estate bubble, unfortunately, brought problems for appraisers and many involved in real estate transactions. According to Realty Times in their April 2006 issue, appraisers have been routinely asked by lenders to inflate real estate values to keep up with the ever-rising real estate market. One real estate appraiser in San Diego quit and turned in his license to the state, after being fired three consecutive times for refusing to inflate his valuations. Now, real estate appraisers across the United States are under a microscope from federal financial regulators and Congress.
The real estate appraiser may be hired by the seller to determine an accurate selling price or by the buyer to ensure the accuracy of the purchase price and mortgage; but generally, the lender does the hiring or uses their own in-house appraiser. Though buyers may assume the lender has their best interest, mortgage lenders have their own best interest at the forefront, especially some not-so-scrupulous lending officers who may be targeting a higher commission.
If I were a seller, I would hire my own real estate appraiser to ensure I was getting the most for my property. As a buyer, I would put the money out upfront to hire an independent and objective appraiser with no connection to anyone within the real estate transaction. This ensures that I do not contract for a mortgage, based on an inflated appraisal valuation, that will give me a new home with a lower or negative equity. The lender still may require a different appraiser.
If five different real estate appraisers evaluated the same property within the same timeframe and under the same conditions, it could result in five different and varying real estate valuations. Why? There is no set checklist or established value for each property feature and amenity. Though appraisals are based on prescribed standards, it is a subjective process.
If there is more than one real estate appraisal and they disagree significantly, you have options. If the value is too low for the seller, renovations may raise the value or you can decline to sell. If the lender insists on its appraisers value, which disagrees with your real estate appraisers value, as the buyer you can look for financing elsewhere or decline to purchase the real estate. There also is the option to bring the appraisers together to come to a common agreement on the value.
Remember, the person looking out for your best interest is yourself. Ensure the appraiser in your real estate transaction is reputable, objective with no connections to anyone in the transaction, local and experienced.
John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com.Exclusive Mortgage Leads
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A too low valuation of the property by the appraiser could mean a seller must lower the asking price. For a lending officer, it could mean a lesser commission or none at all. A too high valuation means the buyer could be paying more than the property is worth. For the realtor, his/her commission could go higher or lower, which is based on the purchase/sell price of the real estate.
An appraiser, who should be licensed by the state, performs the real estate appraisal. It is best to hire someone local with years of full-time experience in order to get a more accurate appraisal. The appraiser and appraisal are governed by the minimum standards, published periodically in the Uniform Standard of Professional Appraisal Practice by the Appraisal Foundation. The Foundation is chartered by Congress.
The recent real estate bubble, unfortunately, brought problems for appraisers and many involved in real estate transactions. According to Realty Times in their April 2006 issue, appraisers have been routinely asked by lenders to inflate real estate values to keep up with the ever-rising real estate market. One real estate appraiser in San Diego quit and turned in his license to the state, after being fired three consecutive times for refusing to inflate his valuations. Now, real estate appraisers across the United States are under a microscope from federal financial regulators and Congress.
The real estate appraiser may be hired by the seller to determine an accurate selling price or by the buyer to ensure the accuracy of the purchase price and mortgage; but generally, the lender does the hiring or uses their own in-house appraiser. Though buyers may assume the lender has their best interest, mortgage lenders have their own best interest at the forefront, especially some not-so-scrupulous lending officers who may be targeting a higher commission.
If I were a seller, I would hire my own real estate appraiser to ensure I was getting the most for my property. As a buyer, I would put the money out upfront to hire an independent and objective appraiser with no connection to anyone within the real estate transaction. This ensures that I do not contract for a mortgage, based on an inflated appraisal valuation, that will give me a new home with a lower or negative equity. The lender still may require a different appraiser.
If five different real estate appraisers evaluated the same property within the same timeframe and under the same conditions, it could result in five different and varying real estate valuations. Why? There is no set checklist or established value for each property feature and amenity. Though appraisals are based on prescribed standards, it is a subjective process.
If there is more than one real estate appraisal and they disagree significantly, you have options. If the value is too low for the seller, renovations may raise the value or you can decline to sell. If the lender insists on its appraisers value, which disagrees with your real estate appraisers value, as the buyer you can look for financing elsewhere or decline to purchase the real estate. There also is the option to bring the appraisers together to come to a common agreement on the value.
Remember, the person looking out for your best interest is yourself. Ensure the appraiser in your real estate transaction is reputable, objective with no connections to anyone in the transaction, local and experienced.
John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com.Exclusive Mortgage Leads
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Home Improvements Turn Average Homes into Dreams Come True
TAMPA, FL If youre thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are some factors to take into consideration.
How long have you been in the home?
Will the improvements increase the property value?
Are you making improvements to increase energy efficiency?
Will improvements be made in one fell swoop, or in stages?
What is the current outstanding balance on your mortgage?
What is the appraised value of the home?
How much will the improvements cost?
What improvements will be tax deductible?
Do you have other revolving debt that you would like to pay off at the same time?
Are you making improvements because you plan to sell the property?
The New Tract Home Blues
Buyers of newly-built homes are often tapped out after making the initial down payment and closing costs, including upgrades to amenities and the inevitable need for new furniture. Shortly thereafter, they realize theyd like to make additional improvements to really have the home of their dreams.
If youre planning on putting down roots (pardon the pun), landscaping may be in order. The developer may have been kind enough to make the front yard a perky green, but if the back yard is a disturbing brown color sparse with weeds, you may be entertaining the vision of a pool or deck.
Look into the option of a Home Improvement Loan with a fixed interest rate as a 2nd Trust Deed. This type of loan does not require you to have equity built up in the existing mortgage. The maximum loan amount could go as high as 125% of the current appraised value of the home, and you can make the improvements yourself or go the extra mile and hire a contractor if the job requires architectural design, permits and inspections.
The Major Overhaul
If you have built up equity in your home and are geared up for some major renovation, the Home Equity Line of Credit (HELOC) is probably your best bet. This adjustable loan allows you to use your equity as a line of credit, so if you have improvements that are phased in over time you can simply write a check when you need to pay a bill.
Its like a having a credit card with a much lower financing rate. In fact, the HELOC can be used for any reason at all even paying off that credit card debt. In most cases, this action turns that revolving debt payment into a tax deductible payment with a lower interest rate. The HELOC is generally a 2nd Trust Deed, unless it is used to pay off and replace the 1st Trust Deed.
A construction loan is an alternative to the HELOC for borrowers who dont want to use or dont have equity, and this type of financing can be used for construction on an existing dwelling. The lender will ask a lot more questions about what the borrower wants to do with the money, and the home owner will need architectural designs, permits and a licensed general contractor on board.
Construction loans are short-term loans that usually require interest-only payments until completion of construction, but the balance is due when construction is done. Most often, that is managed up front by setting up construction-to-perm financing. In this scenario, the loan is automatically rolled over into permanent financing at a fixed rate when construction is complete, and a rate-lock agreement can be purchased to carry the borrower through that period of construction.
Another option depending on the value of your home and local loan amount limitations is the FHA 203(k) Program. This financing is designed for the purchase or refinance and rehabilitation of properties that meet FHA guidelines. This is worth looking into if you need to bring a property up to compliance standards, finance eligible energy efficient improvements, or turn a single-family owner occupied dwelling into a duplex to accommodate Mom or Dad!
Just a Facelift, Please!
If you want to sell your home and you simply want to improve the curb appeal, it makes sense to go with a HELOC. Make sure you are aware of the current market value of homes in your area to make sure youre not going over the limit on the fair market value of your home. Youll want to get a return on your investment!
If youve had your home on the market too long and have not been able to sell, you might want to make some changes to give it a fresh new look and bring back the passion you once had for your home. Your mortgage consultant will help you weigh out your options for financing based on your outstanding mortgage balance, income and credit score.
Regardless of your reason for home improvement, make sure you share your goals with your mortgage consultant. He or she can walk you through the various loan options and confer with your tax advisor to make sure youre getting the best deal possible.
Leah Ross is affiliated with AmeriFirst Home Mortgage, a Licensed Mortgage Lender, State of Florida, Office of Financial Regulation. For free consultation and more information about mortgage loan programs, call Leah Ross at 813-643-8430 or vist http://www.amerifirstflorida.com.Mortgage Lead Transfers
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How long have you been in the home?
Will the improvements increase the property value?
Are you making improvements to increase energy efficiency?
Will improvements be made in one fell swoop, or in stages?
What is the current outstanding balance on your mortgage?
What is the appraised value of the home?
How much will the improvements cost?
What improvements will be tax deductible?
Do you have other revolving debt that you would like to pay off at the same time?
Are you making improvements because you plan to sell the property?
The New Tract Home Blues
Buyers of newly-built homes are often tapped out after making the initial down payment and closing costs, including upgrades to amenities and the inevitable need for new furniture. Shortly thereafter, they realize theyd like to make additional improvements to really have the home of their dreams.
If youre planning on putting down roots (pardon the pun), landscaping may be in order. The developer may have been kind enough to make the front yard a perky green, but if the back yard is a disturbing brown color sparse with weeds, you may be entertaining the vision of a pool or deck.
Look into the option of a Home Improvement Loan with a fixed interest rate as a 2nd Trust Deed. This type of loan does not require you to have equity built up in the existing mortgage. The maximum loan amount could go as high as 125% of the current appraised value of the home, and you can make the improvements yourself or go the extra mile and hire a contractor if the job requires architectural design, permits and inspections.
The Major Overhaul
If you have built up equity in your home and are geared up for some major renovation, the Home Equity Line of Credit (HELOC) is probably your best bet. This adjustable loan allows you to use your equity as a line of credit, so if you have improvements that are phased in over time you can simply write a check when you need to pay a bill.
Its like a having a credit card with a much lower financing rate. In fact, the HELOC can be used for any reason at all even paying off that credit card debt. In most cases, this action turns that revolving debt payment into a tax deductible payment with a lower interest rate. The HELOC is generally a 2nd Trust Deed, unless it is used to pay off and replace the 1st Trust Deed.
A construction loan is an alternative to the HELOC for borrowers who dont want to use or dont have equity, and this type of financing can be used for construction on an existing dwelling. The lender will ask a lot more questions about what the borrower wants to do with the money, and the home owner will need architectural designs, permits and a licensed general contractor on board.
Construction loans are short-term loans that usually require interest-only payments until completion of construction, but the balance is due when construction is done. Most often, that is managed up front by setting up construction-to-perm financing. In this scenario, the loan is automatically rolled over into permanent financing at a fixed rate when construction is complete, and a rate-lock agreement can be purchased to carry the borrower through that period of construction.
Another option depending on the value of your home and local loan amount limitations is the FHA 203(k) Program. This financing is designed for the purchase or refinance and rehabilitation of properties that meet FHA guidelines. This is worth looking into if you need to bring a property up to compliance standards, finance eligible energy efficient improvements, or turn a single-family owner occupied dwelling into a duplex to accommodate Mom or Dad!
Just a Facelift, Please!
If you want to sell your home and you simply want to improve the curb appeal, it makes sense to go with a HELOC. Make sure you are aware of the current market value of homes in your area to make sure youre not going over the limit on the fair market value of your home. Youll want to get a return on your investment!
If youve had your home on the market too long and have not been able to sell, you might want to make some changes to give it a fresh new look and bring back the passion you once had for your home. Your mortgage consultant will help you weigh out your options for financing based on your outstanding mortgage balance, income and credit score.
Regardless of your reason for home improvement, make sure you share your goals with your mortgage consultant. He or she can walk you through the various loan options and confer with your tax advisor to make sure youre getting the best deal possible.
Leah Ross is affiliated with AmeriFirst Home Mortgage, a Licensed Mortgage Lender, State of Florida, Office of Financial Regulation. For free consultation and more information about mortgage loan programs, call Leah Ross at 813-643-8430 or vist http://www.amerifirstflorida.com.Mortgage Lead Transfers
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Safeguard Your Business with Unsecured Loans
Business itself is a trade full of risk where you cannot predict whats going to happen next. In that case borrowing money while risking your asset might leave you in an alarming situation. On the other hand, money is also an indispensable factor for your business without which your business will cripple. If you find yourself falling in such a dilemma, you can simply go for unsecured business loans which will satisfy your financial needs as well as save you from risking your asset.
Unsecured business loans offer you fund for your business without any collateral or security. Thus there is no risk of losing your asset if you fail to repay the loan. So, with an unsecured loan, it doesnt matter whether you are as a homeowner or a non-homeowner, unsecured loans are available to all kind of business owners.
Unsecured business loans offer loan to both experienced and non-experienced business owners. That means you can take advantage of this loan either when you are running a business or when you are planning to start a new one. In case you are running a business, you might fall short of fund to buy certain resources or you may also need money to expand your business. In a situation where you want to start a new business, you will definitely need fund to make initial investments and also to hire manpower. All these requirements will be met easily with an unsecured business loan.
You can get an unsecured business loans ranging from 15,000-250,000 with the repayment term of 2-10 years.
Credit history is one of the major factors that the lenders would like to examine before giving the loan. You can avail a substantial sum of money if you have a good credit score. However, bad credit holders need not be disappointed. There are quite a few number of lenders who provide unsecured business loans at a very low rate to suit the financial abilities of bad credit holders. But for this you need to do a little bit of research on the net, where you will come across several bad credit loan providers.
To avail unsecured loan you will be required to give certain details about your business, which can be done through the internet as most lenders are today providing online services to borrowers. There you will be asked to provide your business profile including your type of business, annual sales, number of employees, length and time of business and ownership. If you are taking unsecured loans for a start up business, then you would be required to give your business plan. Your business plan will help in predicting the growth and feasibility of your business. A well prepared business plan can help you fetch a very good deal.
Management and availability of fund is the key element for any kind of business. Unsecured business loans offer you with minimum risk which will help your business grow and progress.
Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. She is currently working with Bad Debt BusinessLoans as a financial advisor. To find bad debt business loans, online business loans, unsecured business loans, bad credit business loans, secured business loans in UK that best site's you need visit http://www.baddebtbusinessloans.co.ukLive Mortgage Leads
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Unsecured business loans offer you fund for your business without any collateral or security. Thus there is no risk of losing your asset if you fail to repay the loan. So, with an unsecured loan, it doesnt matter whether you are as a homeowner or a non-homeowner, unsecured loans are available to all kind of business owners.
Unsecured business loans offer loan to both experienced and non-experienced business owners. That means you can take advantage of this loan either when you are running a business or when you are planning to start a new one. In case you are running a business, you might fall short of fund to buy certain resources or you may also need money to expand your business. In a situation where you want to start a new business, you will definitely need fund to make initial investments and also to hire manpower. All these requirements will be met easily with an unsecured business loan.
You can get an unsecured business loans ranging from 15,000-250,000 with the repayment term of 2-10 years.
Credit history is one of the major factors that the lenders would like to examine before giving the loan. You can avail a substantial sum of money if you have a good credit score. However, bad credit holders need not be disappointed. There are quite a few number of lenders who provide unsecured business loans at a very low rate to suit the financial abilities of bad credit holders. But for this you need to do a little bit of research on the net, where you will come across several bad credit loan providers.
To avail unsecured loan you will be required to give certain details about your business, which can be done through the internet as most lenders are today providing online services to borrowers. There you will be asked to provide your business profile including your type of business, annual sales, number of employees, length and time of business and ownership. If you are taking unsecured loans for a start up business, then you would be required to give your business plan. Your business plan will help in predicting the growth and feasibility of your business. A well prepared business plan can help you fetch a very good deal.
Management and availability of fund is the key element for any kind of business. Unsecured business loans offer you with minimum risk which will help your business grow and progress.
Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. She is currently working with Bad Debt BusinessLoans as a financial advisor. To find bad debt business loans, online business loans, unsecured business loans, bad credit business loans, secured business loans in UK that best site's you need visit http://www.baddebtbusinessloans.co.ukLive Mortgage Leads
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