Saturday, November 3, 2007
Investing Locally vs. Nationally
You're driving down the street in your hometown when suddenly you see a goldmine sitting in front of you; it is a vacant house, with overgrown weeds and in need of some TLC. It's screaming "buy me cheap," and the wheels start spinning in your head about the 10 to 50 thousand dollars you can make by rapidly acquiring this home, renovating, and then selling as a pretty house. You scramble to the courthouse, look up property owner, and SCORE!!! it's an out of town owner! Clearly they are desparate to sell. You track down the seller's phone number and with much anticipation, you make that all important call.. dollar signs dancing in your head. But wait, you are getting the dreaded message from the phone company, "We're sorry, but the number you have reached has been disconnected..." Bummer. Well, all we have to do is send this person a letter and it is pay day baby! So, out goes the letter knowing the phone will ring as soon as it is received.
After day 5 of waiting, you decide they must just be out of town and any day, you will get that call. After week 2, you are starting to wonder what is going on but still are hopeful. Finally, after week 4, you are starting to believe this is a lost cause. Oh well, another golden opportunity that just didn't quite materialize; there has got to be an easier way.
The above scenario, while hypothetical, is a typical scenario faced by many investors that work on a local basis. Regardless if you are interested in wholesaling, flipping, renovating, lease optioning, or the variety of other options available to you, there are two things that you must accomplish to be a successful local investor: steady supply of quality opportunities and a steady supply of buyers for your properties. As an investor that has participated in the purchase of millions of dollars of properties, locally as well as on a nationally, let me be the first to tell you that BOTH local and national investing work great, IF DONE PROPERLY; however, the impact that each has on your time involvement is wildly different.
In this article, I will try to explain the pro's and con's of investing locally vs nationally. Even though I lead a group of national investors numbering of 20,000, I still invest in my backyard and find it profitable. In my opinion, an investor should not decide BETWEEN investing locally/nationally but rather understand the merits of both and use which ever suits them best at a particular time.
Local Investing: The mantra in real estate investing has always been "invest in what you know your own backyard". For the knowledgeable investor, this is good advice because then you KNOW when a good deal is actually in front of you. However, when we discuss the national investing approach, you will see that it is not the only way to know the market.
For example, suppose you get offered to purchase a home at a fire sale price of $130/Sq. Ft. According to the broker, this is a slam dunk. If you happen to KNOW that properties are going for $170/Sq. Ft in the area and the fix up costs are reasonable, then in a matter of minutes, you can make a decision to purchase the property. That local knowledge is critical to understanding when you have a good, low risk opportunity.
In addition to just local knowledge, there are a number of other issues that we must consider. Specifically, some of the pro's & con's of local investing that we see are:
Pros:
1. Knowledge of market If the investor does their homework.
2. Easy access to property Simply drive to the property to inspect.
3. Can control any fixups, rentals, etc. Much easier to deal with locally.
4. Can structure deals with little money or credit Yes, the no/low money down deals do work but just take a lot of work to create.
Cons
1. Heavy competition Almost all other investors are looking locally so you get the needle in a haystack problem;
2. Time Because you have to find the deals, it is hard to invest with limited time. Successful local investors set up advertising systems to bring properties to them.
3. No Clout Let's face it, as an individual investor, it is difficult to get great deals, discounts, etc. unless you have a LONG track record of performing in that market.
4. No Outside Analysis Other than possibly a local agent helping you, there is little market/growth analysis that is available to you unless you perform it yourself.
Again, this can be quite time consuming. Most local investors take one of two paths after gaining some experience: either they abandon it because it takes too much time, or they find it lucrative enough to turn it into a full time business. For the individual that has money and credit to invest but not much time, then most find the local approach to be frustrating.
National Investing: The best way to understand national investing is to look at Walmart's business model. What they do is find suppliers that can produce quality product at the most competitive price. Because they have such a large consumer base, it is lucrative for the supplier to provide quality product at much reduced margins relative to low volume stores. Also, by not being restricted geographically, they can find those suppliers where the economics makes sense for everybody. In the national real estate arena, it really works the same way. Consider our group that has over 20,000+ investors registered to our database. If you are a real estate developer interested in rapidly selling a portion of your project, then you would be very interested in talking with us because of our volume of buyers. Of course, you know that you are not going to get top dollar for your sales because our investors are not going to buy unless it is a good deal; this is how it becomes a win-win for both the developer (supplier) and the investor (consumer). One other factor comes into play: In many locations, including my local area, many types of real estate investments do not make sense because fundamentals like price, rents, and consumer demand are out of whack. For a national investor, it is absolutely irrelevant because there are always markets doing well. When a specific market, like maybe Florida or California gets out of line, it is simple to just look for investments elsewhere.
Of course, we must analyzy both sides of the national investing equation, as well.
Pros:
1. Buying Power By being an individual investor within a large group, then you have the buying power of Walmart behind you even though you may only plan on buying 1 property.
2. Time The national groups do all the work for you at no cost. They are paid fees by the developers and because of volume, it allows them to perform considerable efforts to find quality properties. You simply evaluate all the information that they have gathered.
3. Considerable Analysis Quality national groups will go to great lengths to understand and convey the local market information to you. They understand that you may not visit the area so they want you to be as informed as possible.
4. Little Competition Even though there is a HUGE number of investors in these groups, most everybody finds that there is plenty of opportunity to go around. Reason being is that most people want to only buy 1 property and quite frankly, most people do not act quickly enough. 5. Diversification You can buy properties in different areas of the country so if there is a down turn in one area, it may not impact your other properties.
Cons
1. Personal Knowledge Of Market You will not originally understand the market; however, the analysis delivered to your email will bring you up to speed quickly.
2. Access To Property Because time scales are typically short, if you want to visit a property, you need flexibility to juggle schedules (airline tickets are cheap).
3. Rental Issues You typically don't want to manage a property from long distance, because of this, national groups will identify appropriate property managers in the area.
4. Typically Requires Good Credit The national groups can obtain good financing options for you, but most are going to want Beacon scores of 650 or higher.
5. Trust Requires a lot of confidence in the national group. Do your due diligence on the group.
In my experience there is no right or wrong answer to the question: is local investing better than national or vice versa? In fact, I still invest both ways to this day. Hopefully the discussion above has given you some insight into what might become effective for you as you continue to build your real estate portfolio.
Copyright (c) 2006 GetPreConstructionDeals.com
Dr. Chris Anderson is the founder of http://www.GetPreconstructionDeals.com and is referenced in many venues including the New York Times and USA Today. Get his weekly, thought provoking articles by signing up today!Live Mortgage Leads
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After day 5 of waiting, you decide they must just be out of town and any day, you will get that call. After week 2, you are starting to wonder what is going on but still are hopeful. Finally, after week 4, you are starting to believe this is a lost cause. Oh well, another golden opportunity that just didn't quite materialize; there has got to be an easier way.
The above scenario, while hypothetical, is a typical scenario faced by many investors that work on a local basis. Regardless if you are interested in wholesaling, flipping, renovating, lease optioning, or the variety of other options available to you, there are two things that you must accomplish to be a successful local investor: steady supply of quality opportunities and a steady supply of buyers for your properties. As an investor that has participated in the purchase of millions of dollars of properties, locally as well as on a nationally, let me be the first to tell you that BOTH local and national investing work great, IF DONE PROPERLY; however, the impact that each has on your time involvement is wildly different.
In this article, I will try to explain the pro's and con's of investing locally vs nationally. Even though I lead a group of national investors numbering of 20,000, I still invest in my backyard and find it profitable. In my opinion, an investor should not decide BETWEEN investing locally/nationally but rather understand the merits of both and use which ever suits them best at a particular time.
Local Investing: The mantra in real estate investing has always been "invest in what you know your own backyard". For the knowledgeable investor, this is good advice because then you KNOW when a good deal is actually in front of you. However, when we discuss the national investing approach, you will see that it is not the only way to know the market.
For example, suppose you get offered to purchase a home at a fire sale price of $130/Sq. Ft. According to the broker, this is a slam dunk. If you happen to KNOW that properties are going for $170/Sq. Ft in the area and the fix up costs are reasonable, then in a matter of minutes, you can make a decision to purchase the property. That local knowledge is critical to understanding when you have a good, low risk opportunity.
In addition to just local knowledge, there are a number of other issues that we must consider. Specifically, some of the pro's & con's of local investing that we see are:
Pros:
1. Knowledge of market If the investor does their homework.
2. Easy access to property Simply drive to the property to inspect.
3. Can control any fixups, rentals, etc. Much easier to deal with locally.
4. Can structure deals with little money or credit Yes, the no/low money down deals do work but just take a lot of work to create.
Cons
1. Heavy competition Almost all other investors are looking locally so you get the needle in a haystack problem;
2. Time Because you have to find the deals, it is hard to invest with limited time. Successful local investors set up advertising systems to bring properties to them.
3. No Clout Let's face it, as an individual investor, it is difficult to get great deals, discounts, etc. unless you have a LONG track record of performing in that market.
4. No Outside Analysis Other than possibly a local agent helping you, there is little market/growth analysis that is available to you unless you perform it yourself.
Again, this can be quite time consuming. Most local investors take one of two paths after gaining some experience: either they abandon it because it takes too much time, or they find it lucrative enough to turn it into a full time business. For the individual that has money and credit to invest but not much time, then most find the local approach to be frustrating.
National Investing: The best way to understand national investing is to look at Walmart's business model. What they do is find suppliers that can produce quality product at the most competitive price. Because they have such a large consumer base, it is lucrative for the supplier to provide quality product at much reduced margins relative to low volume stores. Also, by not being restricted geographically, they can find those suppliers where the economics makes sense for everybody. In the national real estate arena, it really works the same way. Consider our group that has over 20,000+ investors registered to our database. If you are a real estate developer interested in rapidly selling a portion of your project, then you would be very interested in talking with us because of our volume of buyers. Of course, you know that you are not going to get top dollar for your sales because our investors are not going to buy unless it is a good deal; this is how it becomes a win-win for both the developer (supplier) and the investor (consumer). One other factor comes into play: In many locations, including my local area, many types of real estate investments do not make sense because fundamentals like price, rents, and consumer demand are out of whack. For a national investor, it is absolutely irrelevant because there are always markets doing well. When a specific market, like maybe Florida or California gets out of line, it is simple to just look for investments elsewhere.
Of course, we must analyzy both sides of the national investing equation, as well.
Pros:
1. Buying Power By being an individual investor within a large group, then you have the buying power of Walmart behind you even though you may only plan on buying 1 property.
2. Time The national groups do all the work for you at no cost. They are paid fees by the developers and because of volume, it allows them to perform considerable efforts to find quality properties. You simply evaluate all the information that they have gathered.
3. Considerable Analysis Quality national groups will go to great lengths to understand and convey the local market information to you. They understand that you may not visit the area so they want you to be as informed as possible.
4. Little Competition Even though there is a HUGE number of investors in these groups, most everybody finds that there is plenty of opportunity to go around. Reason being is that most people want to only buy 1 property and quite frankly, most people do not act quickly enough. 5. Diversification You can buy properties in different areas of the country so if there is a down turn in one area, it may not impact your other properties.
Cons
1. Personal Knowledge Of Market You will not originally understand the market; however, the analysis delivered to your email will bring you up to speed quickly.
2. Access To Property Because time scales are typically short, if you want to visit a property, you need flexibility to juggle schedules (airline tickets are cheap).
3. Rental Issues You typically don't want to manage a property from long distance, because of this, national groups will identify appropriate property managers in the area.
4. Typically Requires Good Credit The national groups can obtain good financing options for you, but most are going to want Beacon scores of 650 or higher.
5. Trust Requires a lot of confidence in the national group. Do your due diligence on the group.
In my experience there is no right or wrong answer to the question: is local investing better than national or vice versa? In fact, I still invest both ways to this day. Hopefully the discussion above has given you some insight into what might become effective for you as you continue to build your real estate portfolio.
Copyright (c) 2006 GetPreConstructionDeals.com
Dr. Chris Anderson is the founder of http://www.GetPreconstructionDeals.com and is referenced in many venues including the New York Times and USA Today. Get his weekly, thought provoking articles by signing up today!Live Mortgage Leads
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It Looked Pretty Good to Me: Junk In! Junk Out! It May not be as Sweet and Full of Flavor as You Thi
Don't fiddle with the characteristics of a best-selling existing product. Remember that a few years a go the owner of the "most valuble" trade name in the World changed the taste of their "battleship" cola. They did it after much testing and trials by consumer groups. But when they put it on the market, their customers didn't give one hoot about all of their thinking and testing. They took one sip and said, "What in all hell is this?" The company had to rename their classic cola to get their customers back. The new cola never took hold. After a company has been in business for many years, the idea to change an existing brand often comes from new employees. They use their testing results to overcome the objections of the old hands that know better. Watch out! Read on from my experience.
As bad as things were during the depression, some businesses struggled along and stayed in business. Of those that survived, not a few made a bundle during WWII. One company in my home town made stoves for army barracks. The owner became a millionaire in just a couple of years.
In my neighborhood, on the wrong side of the tracks, near the state fairgrounds, there was a small popcorn company. The main product was called something like Krispat. I don't remember how the name of the product was spelled, even though I must have eaten a zillion of the things.
This small company blossomed when the army decided to turn the fairgrounds into an army training camp. We kids loved the obstacle course and we could zip over it about twice as fast as the recruits being trained. After and during all this training, the family that owned the popcorn factory made sure the product was near the noses of the G.I.s and they sold thousands of "Krispats."
At the end of the war, the company was well-positioned and had a large clientele of retail outlets for their products. However, the owners moved to Hawaii and decided to sell the business. A gentleman bought the business and things went well. My mother, my sisters, and half the women in our neighborhood worked there at one time or another. I worked there too. I was dressed as a clown and dumped at the junction of three roads up a canyon east of the city. On weekends it was very busy. I would wave my popcorn at the cars and many of them stopped. At the end of the day when I was picked up, I would be out of product.
Well, the "Krispat" was a yummy thing. I used to watch them make them in the factory. The popcorn was mixed with a wonderful caramel syrup, then pressed into hockey-puck-sized discs which came down a conveyor belt. The girls and women on both sides of the belt grabbed about four of those disk and pressed them together into a role. Each roll was placed in an easily recognizable paper wrapper that said, "YUMMY!" These were placed in cartons ready for shipment.
Then the business went Kaput over night!
The new owner had bought some crummy-tasting syrup at a low cost. As soon as I tasted the product, I knew he was in trouble.
And I was an "expert" on what happened and I knew what to do about it.
After the war, a company which an older friend of mine invested in (and worked in too) went Kaput! It was a soft drink company with an excellent product. One of the major stockholders got a bargain on some syrup. It ruined the flavor. He wouldn't get rid of the junk. The company went bankrupt.
That is exactly what happened to the popcorn company. I was only a teenager, but I warned the owner. I begged him to get rid of the crummy-tasting caramel syrup he had bought at a bargain. But the poor man ran out of money before he decided that he would have to change the syrup to survive. It made me so sad to see a company go under that I thought was a model for my future in business. The owner couldn't keep from going under: BLUB! BLUB! BLUB!
Home Business Tips: Don't let others tell you how to run your business.
A Tippy from Flippy: What may seem to be a bargain may be a one-way ticket to oblivion.
Keeping Up with the Jones': The need for speed is fed by greed. Common since does not equal, It looks pretty good to me!
Fiddle Dee & Fiddle Dum: When you see little fingers poking their noses into your operations, cut them off!
Can't Ya' Get Goin'?: Maybe if you had someone look at what you are doing, it would help. But don't just let anybody look. Find somebody with some brains and experience.
All Things Come: Quality spells success. They will come!
Life Success Quotation: Life can be a dream. Life can be a nightmare. Well, wake up and saddle that critter!
Business Success Quotation: Get out of bed before the competition goes to bed.
From the Eye of the Potato
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Premiership Transfer Window Review - Part Two
David Walker continues his review of the January transfer window and how the moves will impact each teams success, or survival at the end of the 2005/06 season.
Everton
After spending the early part of the season facing a relegation battle the only reinforcements came in the form of Alan Stubbs, joining from Sunderland for his second spell at the club.
Two players have left the club Marcus Bent to Charlton and Per Kroldrup to Fiorentina. The Danish defender arrived in a 5 million switch from Udinese but returned to Italy for substantially less after making just one league appearance.
At 10 points clear, Everton look safe from the drop but you may be tempted by the 33/1 relegation odds.
Fulham
Fulham are battling against relegation and have made five new signings. Goalkeepers Tony Warner and Antti Niemi joined from Cardiff and Southampton respectively while New Zealand international Simon Elliott arrived from Columbus Crew. Defender Wayne Bridge and midfielder Michael Brown joined from Chelsea and Tottenham Hotspur on loan.
Without an away win all season, Fulhams strength and key to survival lies in their form at Craven Cottage. 26 of the 29 points accumulated have come from home wins and manager Chris Coleman will need to keep up this momentum. Fulham can be backed at 14/1 for relegation.
Liverpool
Third in the table and a favourable draw in the Champions League has seen further recruits arrive at Anfield. Defender Jan Kromkamp arrived in a swap deal from Villarreal which saw Josemi return to Spain while Danish defender Daniel Agger cost 5.8 million from Brondby.
A host of fringe players left on loan deals but all transfers were eclipsed by the return of striker Robbie Fowler, five years after leaving Anfield. Fowler scored 120 goals in 236 Premiership matches for the Reds previously and with Manchester United wobbling, Liverpool could eclipse them in second position. They are three points behind in third but have two games in hand. Rafa Benitezs side can be backed at 6/5 to win the Premiership in the without Chelsea market.
Manchester City
Following a blistering start to the season, City are sitting comfortably in tenth position. Manager Stuart Pearce will not stand for half measures and has motivated his side into three wins out of their last four matches, including a 3-1 derby win over bitter rivals United.
Pearce has boosted the ranks with the 6 million signing of Greek striker Georgios Samaras from Heerenveen after allowing Robbie Fowler to rejoin Liverpool and the loan capture of Espanyol midfielder Alberto Riera. Pearces managerial qualities have not gone unnoticed and he is quoted at 20/1 to succeed Sven Goran Eriksson as the next England boss.
Manchester United
The former Premiership powerhouses have been exposed yet again this season as being nowhere near Chelsea in terms of results, consistency and strength in depth. However, the Glaziers sanctioned the arrivals of Spartak Moscow defender Nemanja Vidic Spartak for 7 million and 5.5 million signing Patrice Evra.
A dire spell in Europe has seen them with the Carling Cup one of their only chances of silverware this season although Sir Alex Fergusons side are still 5/6 favourites for the Premiership without Chelsea. Strike duo Ruud van Nistelrooy is 5/6 and Wayne Rooney 10/1 to top the Premiership scoring charts.
Middlesbrough
One of the pre season outsiders for a top four position, Middlesbrough are now staring relegation square in the face. Boro have won just once in their last 10 Premiership outings and that was away at rock bottom Sunderland.
No players arrived in January although Szilard Nemeth left for Strasbourg. One of the few bright spots, striker Yakubu, can be backed at 16/1 to top the Premiership goalscoring chart while speculative punters may fancy the 13/2 on offer of relegation.
Newcastle United
Manager Graham Souness became the latest Premiership managerial casualty after recently losing five of their last six league matches. With just 36 wins in his 83 matches in charge the club are hovering six points above the drop zone.
Big money arrivals Michael Owen and Alberto Luque failied to ignite an expected charge for European football and former West Ham manager Glenn Roeder and Alan Shearer have taken over the reigns temporarily. Bolton manager Sam Allardyce is the 9/2 favourite to take over permanently and despite a poor run of form the Magpies remain 20/1 outsiders for relegation.
The third and final part of the review will look at transfers involving Portsmouth, Sunderland, Tottenham Hotspur, West Bromwich Albion, West Ham United and Wigan Athletic.
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Create Passive Income with Ebooks and Special Reports
Information products are a hot commodity in the online marketplace, transforming traditional entrepreneurs into infopreneurs. Ebooks and special reports are two of the most basic forms of info products. They are relatively easy to create and distribute and best of all, these products can generate passive incomemoney you make while you sleep.
An ebook is an electronic book that can be downloaded to a readers computer or hand-held device. Special reports are similar, but typically shorter in length. Some savvy internet marketers sell special reports ranging in size from two to twenty pages. Ebooks tend to be more comprehensive, with page counts from twenty to three hundred.
If youve been thinking about cashing in on this trend, then follow these simple steps to get started.
Establish Your Expertise
Everyone is an expert at something. Whether you are great at writing financial reports, organizing a home or training hamsters, you have something to offer the public. Sure there may be other people out there with similar qualifications, but that doesnt mean that there isnt room in the market for another expert. If you have a unique approach, you can compete with the best of them.
Building your expert status takes some effort. If you have special degrees in your field, a popular website, have published articles, been quoted by the media or given presentations on your topic, you are on the right track. If you dont yet have these qualifications on your resume, start working on adding as many of these credibility-builders as possible.
Find Your Audience
You could write the most fascinating ebook on the planet, but your parents and friends will not be enough of an audience to make it worth your while. To be successful at selling ebooks and special reports, you must be able to reach a broad group of buyers. The best place to start is with a content-rich website.
For example, if you want to become an expert on dog training, your website should appeal to dog enthusiasts. To attract an audience, offer resources and articles that appeal to the dog-loving community. You can write your own articles or ask others to contribute content to your site. You can also locate articles available for reprint from sites like ezinearticles.com and ideamarketers.com. The key is to offer as much valuable information as possible. When your site visitors find value, they will be more interested in investing in the products you have for sale.
Communicating With Customers
One of the most effective ways to reach potential buyers is with an ezine. By sending a monthly or even weekly electronic newsletter, you accomplish several things at once: you get your name in front of your website visitors, you establish your credibility as someone who provides valuable information, and you can get your products in front of readers repeatedly. Studies show that the average consumer must be exposed to a product six to eight times before making a decision to buy. Your ezine can become a powerful tool for your information product business.
To capture subscribers to your ezine, provide a subscription link on every page of your website. You may want to offer a bonus, such as a complimentary special report or ebook, to entice visitors to sign up.
Create Your Products
Once your website is drawing traffic and your ezine is going out on a regular basis, youre ready to create your first information product. First you must decide what topic to cover in your ebook or special report. Consider what information your site visitors want to know. Do you receive the same questions over and over? Answering those could be the basis of your first product. You could also survey your customer base to find out what interests them.
Once you know what your subject matter will be, then get to work on writing your first ebook or special report. It would be wise to have your content edited by either a friend or a professional so you can ensure you are delivering the best output possible. Dont forget to include your website and contact information along with a copyright statement similar to the following:
Copyright © 2006 by Annie Author
Once your work is complete, you will want to convert it to a user-friendly format. Adobe PDF Creator software allows you to convert your document to PDF format which can be viewed on personal computers, Macintosh computers, and numerous handheld devices. You can also choose security settings to protect the contents of the document. If you dont already own this software, you can visit www.adobe.com to convert up to five documents at no charge.
Automate the Sales Process
Once your finished product is ready to go, you will need to automate the sales process. You could add a link to your website and attempt to process payments and deliver your info products manually, but this will only leave you and your customers frustrated. One of the benefits of info products is the instant gratification. When a customer makes a purchase, he wants to access the product immediately instead of waiting for you to check your email and deliver the goods.
There are a variety of online merchant systems available and one such solution is offered by www.payloadz.com. This service manages the sales and delivery of electronic products. You can upload your file to Payloadz and create shopping cart buttons that can be placed on your website. When a customer makes a purchase, Payloadz will handle collecting the payment (which is processed via Paypal), and will send the buyer a link to download the product from their server. All you have to do is sit back and wait for the cash to hit your bank!
Market, Market, Market
Once your product is created and the sales and delivery process automated, your focus should be on marketing. Few businesses can be successful without marketing, and information products are no exception. Here are some ways to market online without breaking the bank:
*Publish articles in related industry publications and websites.
*Publish articles through content sites such as ezinearticles.com.
*Write a book. Being an author is an instant boost to your credibility and a book can open the doors to a variety of opportunities such as media appearances and speaking engagements.
*Form strategic alliances with website owners in your industry. Trade links to each others sites, swap ads in your ezines, or partner on a project or event.
*Be everywhere. Participate in teleconferences, internet radio interviews, blogs, and industry-related forums and chat rooms.
As your business grows, continue to evaluate what your customers want to know and develop products to meet those needs. Remember that its much easier to fill a need than to create one. And if you can do just two or three things each day to market your business, it shouldnt be long before your website traffic and product sales exceed your wildest dreams.
Stephanie Chandler is a small business expert and the author of FROM ENTREPRENEUR TO INFOPRENEUR: MAKE M0NEY WITH BOOKS, EBOOKS AND INFORMATION PRODUCTS (Wiley, Dec. 2006) and THE BUSINESS STARTUP CHECKLIST AND PLANNING GUIDE (Aventine). Visit her website at http://www.BusinessInfoGuide.com to access hundreds of resources for entrepreneurs. Mortgage Lead Programs
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An ebook is an electronic book that can be downloaded to a readers computer or hand-held device. Special reports are similar, but typically shorter in length. Some savvy internet marketers sell special reports ranging in size from two to twenty pages. Ebooks tend to be more comprehensive, with page counts from twenty to three hundred.
If youve been thinking about cashing in on this trend, then follow these simple steps to get started.
Establish Your Expertise
Everyone is an expert at something. Whether you are great at writing financial reports, organizing a home or training hamsters, you have something to offer the public. Sure there may be other people out there with similar qualifications, but that doesnt mean that there isnt room in the market for another expert. If you have a unique approach, you can compete with the best of them.
Building your expert status takes some effort. If you have special degrees in your field, a popular website, have published articles, been quoted by the media or given presentations on your topic, you are on the right track. If you dont yet have these qualifications on your resume, start working on adding as many of these credibility-builders as possible.
Find Your Audience
You could write the most fascinating ebook on the planet, but your parents and friends will not be enough of an audience to make it worth your while. To be successful at selling ebooks and special reports, you must be able to reach a broad group of buyers. The best place to start is with a content-rich website.
For example, if you want to become an expert on dog training, your website should appeal to dog enthusiasts. To attract an audience, offer resources and articles that appeal to the dog-loving community. You can write your own articles or ask others to contribute content to your site. You can also locate articles available for reprint from sites like ezinearticles.com and ideamarketers.com. The key is to offer as much valuable information as possible. When your site visitors find value, they will be more interested in investing in the products you have for sale.
Communicating With Customers
One of the most effective ways to reach potential buyers is with an ezine. By sending a monthly or even weekly electronic newsletter, you accomplish several things at once: you get your name in front of your website visitors, you establish your credibility as someone who provides valuable information, and you can get your products in front of readers repeatedly. Studies show that the average consumer must be exposed to a product six to eight times before making a decision to buy. Your ezine can become a powerful tool for your information product business.
To capture subscribers to your ezine, provide a subscription link on every page of your website. You may want to offer a bonus, such as a complimentary special report or ebook, to entice visitors to sign up.
Create Your Products
Once your website is drawing traffic and your ezine is going out on a regular basis, youre ready to create your first information product. First you must decide what topic to cover in your ebook or special report. Consider what information your site visitors want to know. Do you receive the same questions over and over? Answering those could be the basis of your first product. You could also survey your customer base to find out what interests them.
Once you know what your subject matter will be, then get to work on writing your first ebook or special report. It would be wise to have your content edited by either a friend or a professional so you can ensure you are delivering the best output possible. Dont forget to include your website and contact information along with a copyright statement similar to the following:
Copyright © 2006 by Annie Author
Once your work is complete, you will want to convert it to a user-friendly format. Adobe PDF Creator software allows you to convert your document to PDF format which can be viewed on personal computers, Macintosh computers, and numerous handheld devices. You can also choose security settings to protect the contents of the document. If you dont already own this software, you can visit www.adobe.com to convert up to five documents at no charge.
Automate the Sales Process
Once your finished product is ready to go, you will need to automate the sales process. You could add a link to your website and attempt to process payments and deliver your info products manually, but this will only leave you and your customers frustrated. One of the benefits of info products is the instant gratification. When a customer makes a purchase, he wants to access the product immediately instead of waiting for you to check your email and deliver the goods.
There are a variety of online merchant systems available and one such solution is offered by www.payloadz.com. This service manages the sales and delivery of electronic products. You can upload your file to Payloadz and create shopping cart buttons that can be placed on your website. When a customer makes a purchase, Payloadz will handle collecting the payment (which is processed via Paypal), and will send the buyer a link to download the product from their server. All you have to do is sit back and wait for the cash to hit your bank!
Market, Market, Market
Once your product is created and the sales and delivery process automated, your focus should be on marketing. Few businesses can be successful without marketing, and information products are no exception. Here are some ways to market online without breaking the bank:
*Publish articles in related industry publications and websites.
*Publish articles through content sites such as ezinearticles.com.
*Write a book. Being an author is an instant boost to your credibility and a book can open the doors to a variety of opportunities such as media appearances and speaking engagements.
*Form strategic alliances with website owners in your industry. Trade links to each others sites, swap ads in your ezines, or partner on a project or event.
*Be everywhere. Participate in teleconferences, internet radio interviews, blogs, and industry-related forums and chat rooms.
As your business grows, continue to evaluate what your customers want to know and develop products to meet those needs. Remember that its much easier to fill a need than to create one. And if you can do just two or three things each day to market your business, it shouldnt be long before your website traffic and product sales exceed your wildest dreams.
Stephanie Chandler is a small business expert and the author of FROM ENTREPRENEUR TO INFOPRENEUR: MAKE M0NEY WITH BOOKS, EBOOKS AND INFORMATION PRODUCTS (Wiley, Dec. 2006) and THE BUSINESS STARTUP CHECKLIST AND PLANNING GUIDE (Aventine). Visit her website at http://www.BusinessInfoGuide.com to access hundreds of resources for entrepreneurs. Mortgage Lead Programs
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Real Estate buy new property with ease through loan
Real estate is perhaps the most beneficial if you are looking around for investing money. However buying a highly costly property is not that easy for everyone. So a loan for buying property becomes inevitable. Loan for real estate has gained importance and popularity amongst the property buyers.
Real estate loans are especially meant for buying a highly priced property like a commercial building or any property you think is fit for investment. Real estate loans are secured loans that require the borrower to place a highly valued property like home, business or papers as security. On having the security in place, the lender will shower benefits on the borrowers. For instance you can borrow greater amount under real estate loans. the main requirements that the lender would like to ensure before approving reap estate loans are that you must be having a sound repaying capacity, your past credit history should be good and the property you are going to buy.
You should be having a great bank balance and should have a convincing loan repayment plan in place. You would be immediately investing the loan in buying the property. So the lenders surely want to know your source of income for timely repaying the loan installments. So keep all the relevant documents ready before applying for the loan.
An advantage of real estate loan is that it comes at lower interest rate as it is secured loan. Also you can repay the loan installments with easy as you have the option of paying off the loan in larger duration of say 30 years. Thus while you have bought the property, the loan itself is easier to repay.
And do not worry about your bad credit. As you offer valued property as security, the lenders risks are reduced substantially. So despite your past bad credit history, the lender is ready to approve real estate loan, though interest rate may be a bit higher. You can apply for real estate loans to online lenders who have cheaper rates. But first take their rate quotes so that you can compare lenders for a suitable deal.
Tim Kelly is an expert in finance having completed his LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. He is currently working with business loans as a financial advisor. To find Real estate, Commercial real estate loan, Commercial real estate loan rate, Private real estate money loan, Online real estate loans visit http://www.commercialrealestateloan.co.ukVoice Broadcasting
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Real estate loans are especially meant for buying a highly priced property like a commercial building or any property you think is fit for investment. Real estate loans are secured loans that require the borrower to place a highly valued property like home, business or papers as security. On having the security in place, the lender will shower benefits on the borrowers. For instance you can borrow greater amount under real estate loans. the main requirements that the lender would like to ensure before approving reap estate loans are that you must be having a sound repaying capacity, your past credit history should be good and the property you are going to buy.
You should be having a great bank balance and should have a convincing loan repayment plan in place. You would be immediately investing the loan in buying the property. So the lenders surely want to know your source of income for timely repaying the loan installments. So keep all the relevant documents ready before applying for the loan.
An advantage of real estate loan is that it comes at lower interest rate as it is secured loan. Also you can repay the loan installments with easy as you have the option of paying off the loan in larger duration of say 30 years. Thus while you have bought the property, the loan itself is easier to repay.
And do not worry about your bad credit. As you offer valued property as security, the lenders risks are reduced substantially. So despite your past bad credit history, the lender is ready to approve real estate loan, though interest rate may be a bit higher. You can apply for real estate loans to online lenders who have cheaper rates. But first take their rate quotes so that you can compare lenders for a suitable deal.
Tim Kelly is an expert in finance having completed his LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. He is currently working with business loans as a financial advisor. To find Real estate, Commercial real estate loan, Commercial real estate loan rate, Private real estate money loan, Online real estate loans visit http://www.commercialrealestateloan.co.ukVoice Broadcasting
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Rental Rules & Obligation in India for Both Landlord and Tenant
Renting the premises for commercial or residential purpose is now-a-days considered as the best Business practice by those who have the properties to let on rent. In India, the population migration in most of the big cities and towns like Delhi, Mumbai, Bangalore, Hyderabad, Jaipur, Chandigarh etc have reached to its capacity and hence the spurt in the prices of real estate rental properties . Every week thousands of Houses and rental properties to let are advertised in the leading dailies by the Owner of the properties or the rental agents on behalf of the owner of the properties to woo the prospective clients.
So, there may be many property owners and so the rental agents in India but the renting rules are more or less same throughout the country. Hence, it is essential for every prosperous tenant and landlord to understand the basic features of the Renting rules and the obligation. Following are few of the tenets of the renting rules prevalent in India.
1) There are three types of rental agreements: week-to-week, month-to-month, a fixed term of not less than 6 months and not more than 12 months. The type of rental agreement will determine when the rent is due and the minimum notice of termination to be given by the landlord or tenant.
2) The landlord shall give the tenant a duplicate copy of the rental agreement within 10 days after the date of signing by all parties. If the landlord fails to do this, the tenant is not obligated to pay rent until the tenant receives a copy of the rental agreement. However, any rent already paid may be kept by the landlord.
3) The landlord shall maintain the premises in a good state of repair and fit for habitation during the tenancy and shall comply with a law respecting health, safety or housing.
4) The tenant shall keep the premises clean, and shall repair damage caused by a willful or negligent act of the tenant or of a person whom the tenant permits on the premises.
5) The tenant may assign, sublet or otherwise part with the possession of the premises subject to the consent of the landlord, and the landlord shall not arbitrarily or unreasonably withhold consent and shall not levy a charge in excess of expenses actually incurred by the landlord in relation to giving consent.
6) Except in the case of an emergency, the landlord shall not enter the premises without the consent of the tenant unless the tenant shall not unreasonably interfere with the rights of the landlord or other tenants in the premises, a common area or the property of which they form a part.
7) The landlord shall not unreasonably interfere with the tenant's peaceful enjoyment of the premises, a common area or the property of which they form a part.
8) Rest the basic facts for the security Deposit and the rent as specified in the agreements and other features as specified, are the basic obligation of the Tenant and the landlord.
So in India with the more booming economy, education, development the major thrust is on the Real estate properties and the renting services. So, on the face value the Rental trend in India is quite catching and looking very promising for those who have the properties to let on rent. But, still it needs to be more regularized and systematic in order to make it more internets friendly and to protect the rights of every tenant and landlord under the most transparent legal boundary.
For More on India Rentals Visit - http://www.realtymantrarentals.com
Suruchi Iyyer is full time author and internet marketer in India. He has been involved in real estate business and traveled extensively for same. Presently she is developing and writing articles for Indian Real website - http://www.realtymantrarentals.com on topics that relates to property rentals in India.Exclusive Mortgage Leads
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So, there may be many property owners and so the rental agents in India but the renting rules are more or less same throughout the country. Hence, it is essential for every prosperous tenant and landlord to understand the basic features of the Renting rules and the obligation. Following are few of the tenets of the renting rules prevalent in India.
1) There are three types of rental agreements: week-to-week, month-to-month, a fixed term of not less than 6 months and not more than 12 months. The type of rental agreement will determine when the rent is due and the minimum notice of termination to be given by the landlord or tenant.
2) The landlord shall give the tenant a duplicate copy of the rental agreement within 10 days after the date of signing by all parties. If the landlord fails to do this, the tenant is not obligated to pay rent until the tenant receives a copy of the rental agreement. However, any rent already paid may be kept by the landlord.
3) The landlord shall maintain the premises in a good state of repair and fit for habitation during the tenancy and shall comply with a law respecting health, safety or housing.
4) The tenant shall keep the premises clean, and shall repair damage caused by a willful or negligent act of the tenant or of a person whom the tenant permits on the premises.
5) The tenant may assign, sublet or otherwise part with the possession of the premises subject to the consent of the landlord, and the landlord shall not arbitrarily or unreasonably withhold consent and shall not levy a charge in excess of expenses actually incurred by the landlord in relation to giving consent.
6) Except in the case of an emergency, the landlord shall not enter the premises without the consent of the tenant unless the tenant shall not unreasonably interfere with the rights of the landlord or other tenants in the premises, a common area or the property of which they form a part.
7) The landlord shall not unreasonably interfere with the tenant's peaceful enjoyment of the premises, a common area or the property of which they form a part.
8) Rest the basic facts for the security Deposit and the rent as specified in the agreements and other features as specified, are the basic obligation of the Tenant and the landlord.
So in India with the more booming economy, education, development the major thrust is on the Real estate properties and the renting services. So, on the face value the Rental trend in India is quite catching and looking very promising for those who have the properties to let on rent. But, still it needs to be more regularized and systematic in order to make it more internets friendly and to protect the rights of every tenant and landlord under the most transparent legal boundary.
For More on India Rentals Visit - http://www.realtymantrarentals.com
Suruchi Iyyer is full time author and internet marketer in India. He has been involved in real estate business and traveled extensively for same. Presently she is developing and writing articles for Indian Real website - http://www.realtymantrarentals.com on topics that relates to property rentals in India.Exclusive Mortgage Leads
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Option ARM Mortgages - How they Work and Pros and Cons
In the world of mortgages and complex financial arrangements for housing, you need to be armed with the facts. Not knowing what you are getting into when you sign on the dotted line(s) could end up hurting you more than helping you. In the case of option ARM mortgages, this is especially the case. Not only are they extremely complicated, but when you're not sure what they can do for you, they can be a painful learning experience.
The basic appeal of an option ARM mortgage is that you don't have to make large payments in the beginning. These are the loans you may have seen on website banners advertising $200,000 loans for only $500 a month. This does sound good when money is tight and you want to conserve the bills you have. But in actuality, you will still be borrowing a certain amount of money that needs to be paid off. And while the bills are low in the beginning, they will begin to increase over the duration of your loan period.
Another thing to consider with option ARM mortgages is that the interest rates can soar or they can plummet, depending on the market and the terms of your loan. Though you might be only paying $500 a month, your loan amount may be increasing without you even realizing it. And once you're out of that initial low payment period, you may need to double or even triple the amount you are paying every month.
You can choose between several different payment plans each month with an option ARM mortgage. You might pay typical payments that include both interest and the principle, or just payments that are interest. You might also choose to limit your payments so that you're paying the least amount possible - however, this is not going to help with the overall amount as interest will continue to be added to your loan amount.
In the beginning months, you will also generally be offered a low interest rate, which will be appealing and cause your payments to be lower. But while this introductory interest period seems appealing, it is not going to last. Be sure to ask how long this low rate is going to last, if you hear that it's only a month or two, it might not be worth it to you. After the introductory period, the interest will rise to the normal rates.
When you pay monthly and only pay the minimum payment, you will not necessarily be paying down your overall loan because the interest rate will continue to add money to the balance. After a while, your payments may not be covering any interest that you have accrued or even helping with the principle, adding up to a large sum that you now have to pay down.
Another thing to consider is that after five years or so, the loan can be recalculated, which can lead to substantial increases in your monthly payment. This can be shocking to the borrower, but it will be clearly outlined in the option ARM payment fine print.
So, the question becomes - are the option ARM mortgages good for anyone? If you don't have a lot of money now, but you can be certain that you will in the future, this might be a good option for you. But if you're not going to keep up with your current low payments and aren't adding any additional money that you could to the payment plan, you might be setting yourself up for a financial disaster.
But the main concern is that those that do not do their homework on the loan will end up being 'surprised' when it comes time to pay off their larger bill. Do yourself a favor and make sure that you are reading the fine print and that you understand what is expected of you.
Grant Eckert is a writer for ShopRate.com. ShopRate.com is a leading provider of http://www.ShopRate.com Mortgage Quotes | Mortgage RatesExclusive Mortgage Leads
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The basic appeal of an option ARM mortgage is that you don't have to make large payments in the beginning. These are the loans you may have seen on website banners advertising $200,000 loans for only $500 a month. This does sound good when money is tight and you want to conserve the bills you have. But in actuality, you will still be borrowing a certain amount of money that needs to be paid off. And while the bills are low in the beginning, they will begin to increase over the duration of your loan period.
Another thing to consider with option ARM mortgages is that the interest rates can soar or they can plummet, depending on the market and the terms of your loan. Though you might be only paying $500 a month, your loan amount may be increasing without you even realizing it. And once you're out of that initial low payment period, you may need to double or even triple the amount you are paying every month.
You can choose between several different payment plans each month with an option ARM mortgage. You might pay typical payments that include both interest and the principle, or just payments that are interest. You might also choose to limit your payments so that you're paying the least amount possible - however, this is not going to help with the overall amount as interest will continue to be added to your loan amount.
In the beginning months, you will also generally be offered a low interest rate, which will be appealing and cause your payments to be lower. But while this introductory interest period seems appealing, it is not going to last. Be sure to ask how long this low rate is going to last, if you hear that it's only a month or two, it might not be worth it to you. After the introductory period, the interest will rise to the normal rates.
When you pay monthly and only pay the minimum payment, you will not necessarily be paying down your overall loan because the interest rate will continue to add money to the balance. After a while, your payments may not be covering any interest that you have accrued or even helping with the principle, adding up to a large sum that you now have to pay down.
Another thing to consider is that after five years or so, the loan can be recalculated, which can lead to substantial increases in your monthly payment. This can be shocking to the borrower, but it will be clearly outlined in the option ARM payment fine print.
So, the question becomes - are the option ARM mortgages good for anyone? If you don't have a lot of money now, but you can be certain that you will in the future, this might be a good option for you. But if you're not going to keep up with your current low payments and aren't adding any additional money that you could to the payment plan, you might be setting yourself up for a financial disaster.
But the main concern is that those that do not do their homework on the loan will end up being 'surprised' when it comes time to pay off their larger bill. Do yourself a favor and make sure that you are reading the fine print and that you understand what is expected of you.
Grant Eckert is a writer for ShopRate.com. ShopRate.com is a leading provider of http://www.ShopRate.com Mortgage Quotes | Mortgage RatesExclusive Mortgage Leads
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Zyprexa Lawsuit Loan! No-Risk Legal Finance!!
Plaintiffs involved in pharmaceuticals lawsuits like Zyprexa and Fen-phen etc, can now get Lawsuit cash advances. 99% of plaintiffs involved in lawsuits dont realize they can get Legal finance while they are waiting for their settlement money.
Zyprexa (olanzapine) is a second generation or atypical antipsychotic medication produced by Eli Lilly and company. Zyprexa was FDA approved for the short-term treatment of acute manic episodes in bipolar disorder.
In 2003 the FDA required that the class of drugs known as atypical antipsychotic, including Zyprexa, include warnings about increased risk to patients of development of diabetes and hyperglycemia. In 2004, a federal prosecutor announced an investigation of Eli Lilly, in relation to the techniques it has used to market Zyprexa.
To date, over 16 million people have used this drug. The FDA has identified there have been 384 reports of diabetes Zyprexa side effects, including 23 deaths. There have been many questions regarding the popular drug Zyprexa and its safety. The potentially fatal Zyprexa side effects have resulted in Zyprexa lawsuits.
A risk free source of financing is now available for plaintiffs involved in Zyprexa or other pharmaceutical lawsuits. It is called lawsuit funding or often referred as Lawsuit Loans, Pre-settlement financing, Legal finance, or a Personal injury settlement, but these are not loans because the money does not have to be paid back unless the case is won or settled. These are non- recourse Cash Advances. It carries no risk because plaintiffs pay only when they get their settlement money.
It doesnt seem fair. Even if you win your Zyprexa litigation, the money you get may come too late. You need money now! Legal finance or so called Lawsuit loan can help you buy some time with a cash advance on your pharmaceutical drug litigation settlement.
Pharmaceutical drug litigation can take years to settle, which can be a problem if youre sick or are unable to work. You can have a solid pharmaceutical drug litigation claim and a strong legal team, but the drug companies have deep pockets. Without a cash advance to pay your bills and other expenses, you may have to take a low settlement offer for your pharmaceutical drug litigation.
The process to receive Zyprexa Lawsuit funding or Legal finance is risk free & simple. Plaintiff may have a bad or no credit. There are no monthly payments. The total process is confidential, prompt and discreet:
1. The first step is to complete an Application Form.
Making an application is free and there is no obligation. Approval is fast.
2. Plaintiff authorizes attorney to release case information to underwriters
3. Quick and thorough underwriting process to qualify client.
4. If approved plaintiff completes funding agreement
5. Bank check delivered to Plaintiff
6. Plaintiff pays back upon successful settlement/verdict of case
They can use the cash advance in any way they like. They can use the money for living expenses; pay their bills, mortgage/ rent / car payments, medical treatment, education expenses. As a matter of fact use it any way they like.
Paul Sherman is a Legal Funding Consultant. He offers free, professional and independent advice to Individuals, Business owners, Seniors and Attorneys. To secure a Lawsuit funding or Structured Settlement funding please visit: http://www.easylawsuitfunding.com.Exclusive Mortgage Leads
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Zyprexa (olanzapine) is a second generation or atypical antipsychotic medication produced by Eli Lilly and company. Zyprexa was FDA approved for the short-term treatment of acute manic episodes in bipolar disorder.
In 2003 the FDA required that the class of drugs known as atypical antipsychotic, including Zyprexa, include warnings about increased risk to patients of development of diabetes and hyperglycemia. In 2004, a federal prosecutor announced an investigation of Eli Lilly, in relation to the techniques it has used to market Zyprexa.
To date, over 16 million people have used this drug. The FDA has identified there have been 384 reports of diabetes Zyprexa side effects, including 23 deaths. There have been many questions regarding the popular drug Zyprexa and its safety. The potentially fatal Zyprexa side effects have resulted in Zyprexa lawsuits.
A risk free source of financing is now available for plaintiffs involved in Zyprexa or other pharmaceutical lawsuits. It is called lawsuit funding or often referred as Lawsuit Loans, Pre-settlement financing, Legal finance, or a Personal injury settlement, but these are not loans because the money does not have to be paid back unless the case is won or settled. These are non- recourse Cash Advances. It carries no risk because plaintiffs pay only when they get their settlement money.
It doesnt seem fair. Even if you win your Zyprexa litigation, the money you get may come too late. You need money now! Legal finance or so called Lawsuit loan can help you buy some time with a cash advance on your pharmaceutical drug litigation settlement.
Pharmaceutical drug litigation can take years to settle, which can be a problem if youre sick or are unable to work. You can have a solid pharmaceutical drug litigation claim and a strong legal team, but the drug companies have deep pockets. Without a cash advance to pay your bills and other expenses, you may have to take a low settlement offer for your pharmaceutical drug litigation.
The process to receive Zyprexa Lawsuit funding or Legal finance is risk free & simple. Plaintiff may have a bad or no credit. There are no monthly payments. The total process is confidential, prompt and discreet:
1. The first step is to complete an Application Form.
Making an application is free and there is no obligation. Approval is fast.
2. Plaintiff authorizes attorney to release case information to underwriters
3. Quick and thorough underwriting process to qualify client.
4. If approved plaintiff completes funding agreement
5. Bank check delivered to Plaintiff
6. Plaintiff pays back upon successful settlement/verdict of case
They can use the cash advance in any way they like. They can use the money for living expenses; pay their bills, mortgage/ rent / car payments, medical treatment, education expenses. As a matter of fact use it any way they like.
Paul Sherman is a Legal Funding Consultant. He offers free, professional and independent advice to Individuals, Business owners, Seniors and Attorneys. To secure a Lawsuit funding or Structured Settlement funding please visit: http://www.easylawsuitfunding.com.Exclusive Mortgage Leads
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How To Increase Your Online Sales & Revenue With This Simple Viral Twist
Warning: The technique I'm about to share with you here is relatively unheard of. It involves a sneaky viral twist to it that will increase both your website traffic and online sales even if you may have a less-than-desirable product to sell.
How it works: You offer a product online for sale at $97. You list all the features and benefits of your product as well as the glowing testimonials you received from your previous customers or your product testers. Your sales copy is so hot, any human being reading it would have no pulse if he doesn't order your product straight away.
Okay, we make an exception for those who truly don't have any money right now. But don't worry, the technique I'm about to share with you can even help these people.
Suddenly, as your prospect reads through your sales letter and is about to click on the red hot and waiting order button of your sales letter, he is slammed with a surprise offer.
You tell him, "Want my product for only $27? I'll slash a huge chunk off the price if you tell 2 friends about my website!"
What do you think is going to happen?
What would you do if you are your prospect?
Would you purchase for $97 or $27 (and 2 friends)?
You'd obviously go for the $27 offer right?
Now imagine that about 99% of your prospects who really want your product choose the $27 option.
What would happen to your website traffic? What would this mean to your online sales? How much would your revenue increase?
You do the Math!
Now, it's actually pretty simple to set up a mechanism like this to increase the sales of your product not to mention your website traffic. If you've had some experience creating your own sales letter, setting up your website, etc, you should take no longer than 30 minutes (or even less) to set up something like this.
Here, let me offer you a free "Tell Your Friend" viral marketing script that lets you give your referrers an incentive bonus after they tell their friends about your website:-
http://www.traffictimebomb.com/tyf.zip
There are no gimmicks, no rituals, no voodoo chanting, no blood sacrifice, no email addresses and no cash required to download that script. It's absolutely free.
Now what if you want to exponentially speed up the viral process of your visitors telling their friends who in turn tell more friends and so on, perpetually?
You simply add another element to this already powerful viral twist - the element of Time!
Have you watched the horror movie "The Ring"? If you have, then you'll know what I'm talking about.
Time (Deadline) + Irresistible Incentive to pass on the Viral Message = Nuclear Explosion of your Marketing Virus!
Simply tell your visitors that they have only a certain number of days to get their friends to visit your website or else you'll take away your incentive bonuses forever. But they still get to purchase your product at that special discounted price, of course, as a gesture of goodwill.
Mohamad Latiff is the Notorious Inventor of the Traffic Time Bomb, the Weapon of Mass Traffic that is going to crash your servers in 21 days by blasting a potential 1,048,576 visitors to your website unless you stop it by going to http://www.TrafficTimeBomb.com/.Mortgage Lead Transfers
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How it works: You offer a product online for sale at $97. You list all the features and benefits of your product as well as the glowing testimonials you received from your previous customers or your product testers. Your sales copy is so hot, any human being reading it would have no pulse if he doesn't order your product straight away.
Okay, we make an exception for those who truly don't have any money right now. But don't worry, the technique I'm about to share with you can even help these people.
Suddenly, as your prospect reads through your sales letter and is about to click on the red hot and waiting order button of your sales letter, he is slammed with a surprise offer.
You tell him, "Want my product for only $27? I'll slash a huge chunk off the price if you tell 2 friends about my website!"
What do you think is going to happen?
What would you do if you are your prospect?
Would you purchase for $97 or $27 (and 2 friends)?
You'd obviously go for the $27 offer right?
Now imagine that about 99% of your prospects who really want your product choose the $27 option.
What would happen to your website traffic? What would this mean to your online sales? How much would your revenue increase?
You do the Math!
Now, it's actually pretty simple to set up a mechanism like this to increase the sales of your product not to mention your website traffic. If you've had some experience creating your own sales letter, setting up your website, etc, you should take no longer than 30 minutes (or even less) to set up something like this.
Here, let me offer you a free "Tell Your Friend" viral marketing script that lets you give your referrers an incentive bonus after they tell their friends about your website:-
http://www.traffictimebomb.com/tyf.zip
There are no gimmicks, no rituals, no voodoo chanting, no blood sacrifice, no email addresses and no cash required to download that script. It's absolutely free.
Now what if you want to exponentially speed up the viral process of your visitors telling their friends who in turn tell more friends and so on, perpetually?
You simply add another element to this already powerful viral twist - the element of Time!
Have you watched the horror movie "The Ring"? If you have, then you'll know what I'm talking about.
Time (Deadline) + Irresistible Incentive to pass on the Viral Message = Nuclear Explosion of your Marketing Virus!
Simply tell your visitors that they have only a certain number of days to get their friends to visit your website or else you'll take away your incentive bonuses forever. But they still get to purchase your product at that special discounted price, of course, as a gesture of goodwill.
Mohamad Latiff is the Notorious Inventor of the Traffic Time Bomb, the Weapon of Mass Traffic that is going to crash your servers in 21 days by blasting a potential 1,048,576 visitors to your website unless you stop it by going to http://www.TrafficTimeBomb.com/.Mortgage Lead Transfers
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How To Know If A Credit Card Offer Is For You
With or without an existing credit history, good or bad, youre sure to be approached by someone with a credit card offer. And although all credit card offers seem wonderfully tempting, its usually the case that youre only suitable to a particular type. To know which credit card offer is really meant for you, heres what you should know.
Tips on How to Know If a Credit Card is for You
KNOW THYSELF More importantly, know why youd want and need a credit card in the first place. Consider the side of necessity first: how can a credit card help make your life better? Is there a way for a credit card to help you become more financially solvent? Next, think about the pleasant side of the fence what perks would you wish to enjoy from using a credit card?
Lastly, take a good look of yourself and make a self-evaluation by asking these questions: Am I ready for the responsibility of having a credit card? Do I really know what Im getting myself into? Can I promise to myself to pay my credit card bills promptly?
KNOW HOW OTHERS THINK OF YOU The others in this part refers to the banks and creditors that you have transacted with in the past. If you have any bills or loans to pay, those can already serve as your credit background and may be one of the reasons that youre given credit card offers that you dont really find desirable.
If, however, you dont have any existing credit records, this isnt exactly a good thing either unless youre a fresh graduate. Thats understandable, of course, because youve just entered the real world. If, however, youre already an adult, you should at least have a reliable and steady source of income. Without it, the types of credit card offers you can expect to receive are sure to be limited.
KNOW ITS RANGE Some credit cards can only be used in specified stores or limited to a certain region in the United States. If, however, you receive credit card offers for Visa or Mastercard, these will allow you to use your credit card even if youre abroad.
Cards with well-known names like Visa or Mastercard are definitely suitable for people who travel often or intend to use their cards in a variety of establishments. These cards, however, imposes stricter application requirements that what youd expect from credit cards with a smaller scope.
KNOW ITS AFFILIATES Some credit cards offer special interest rates and other kinds of perks and privileges if youre affiliated with a particular association or company so do make sure that you ask the person who made the credit card offer about this. You might even be able to choose a specialized design for your credit card if you happen to satisfy any of their stipulations regarding this matter.
Now that you know what type of credit card offer is right for you, there are only two other things left to do:
Firstly, take the necessary action to verify whether the credit card representative that approached you is really an employee or agent of the issuing company and that hes really providing you a legitimate credit card offer.
Secondly, be prepared to spend a bit of time and effort to satisfy the application requirements for the credit card offer youve chosen to take up. Youll have to furnish the credit card company with documentary evidence of your income and credit history. But after that, the credit cards all yours to swipe!
Mario Churchill is a sales person and website owner. He manages a website, http://www.usa-credit-card-guide.com, where you can find the best credit card offer for your needs and apply for a credit card today!Voice Broadcasting
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Tips on How to Know If a Credit Card is for You
KNOW THYSELF More importantly, know why youd want and need a credit card in the first place. Consider the side of necessity first: how can a credit card help make your life better? Is there a way for a credit card to help you become more financially solvent? Next, think about the pleasant side of the fence what perks would you wish to enjoy from using a credit card?
Lastly, take a good look of yourself and make a self-evaluation by asking these questions: Am I ready for the responsibility of having a credit card? Do I really know what Im getting myself into? Can I promise to myself to pay my credit card bills promptly?
KNOW HOW OTHERS THINK OF YOU The others in this part refers to the banks and creditors that you have transacted with in the past. If you have any bills or loans to pay, those can already serve as your credit background and may be one of the reasons that youre given credit card offers that you dont really find desirable.
If, however, you dont have any existing credit records, this isnt exactly a good thing either unless youre a fresh graduate. Thats understandable, of course, because youve just entered the real world. If, however, youre already an adult, you should at least have a reliable and steady source of income. Without it, the types of credit card offers you can expect to receive are sure to be limited.
KNOW ITS RANGE Some credit cards can only be used in specified stores or limited to a certain region in the United States. If, however, you receive credit card offers for Visa or Mastercard, these will allow you to use your credit card even if youre abroad.
Cards with well-known names like Visa or Mastercard are definitely suitable for people who travel often or intend to use their cards in a variety of establishments. These cards, however, imposes stricter application requirements that what youd expect from credit cards with a smaller scope.
KNOW ITS AFFILIATES Some credit cards offer special interest rates and other kinds of perks and privileges if youre affiliated with a particular association or company so do make sure that you ask the person who made the credit card offer about this. You might even be able to choose a specialized design for your credit card if you happen to satisfy any of their stipulations regarding this matter.
Now that you know what type of credit card offer is right for you, there are only two other things left to do:
Firstly, take the necessary action to verify whether the credit card representative that approached you is really an employee or agent of the issuing company and that hes really providing you a legitimate credit card offer.
Secondly, be prepared to spend a bit of time and effort to satisfy the application requirements for the credit card offer youve chosen to take up. Youll have to furnish the credit card company with documentary evidence of your income and credit history. But after that, the credit cards all yours to swipe!
Mario Churchill is a sales person and website owner. He manages a website, http://www.usa-credit-card-guide.com, where you can find the best credit card offer for your needs and apply for a credit card today!Voice Broadcasting
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Using Affiliates In Making Sales
Online shopping has become commonplace and accepted by most internet users nowadays. The benefits it provides are so positive, it is no wonder people flock to shopping online. You can shop any hour of the day or night, compare prices, have an amazing inventory to choose from at shops all around the globe, and once you order all you have to do is wait for it to arrive at your doorstep.
The acceptance and demand for online shopping has therefore compelled more and more people to open online stores to get a piece of this action. Someone operating a store out of their own home can compete with the retail giants that offer online shopping.
Obviously one needs a quality product sold at a reasonable price to be successful but aside from that, the key to success online is getting people to visit your online store. If no one comes, you cant sell anything. There are many tactics you can take to attract people to your store and a popular method is to use affiliate marketing.
Affiliate marketing enlists the aid of others to drive people to your online store. Generally speaking, people have no desire to help you out of the simple kindness of their hearts. Instead, you have to bribe them in some way. You do this by making them your affiliates and giving them a cut of the sale if a person they send makes a purchase at your site.
It is a win win situation. You get a visitor and a sale you would not have otherwise gotten, and the affiliate gets money for his efforts in sending someone to your online store. Just imagine the power of this if you have 10 affiliates, or 100. Many stores derive the majority of their sales from affiliate referrals. Affiliate marketing is a lucrative proposition and big business on the internet.
So how do you find these affiliates to help you make sales? You first have to develop an affiliate program and have a way of tracking your visitors and sales. This can be a complicated procedure, or you can make it simple. If you sell a digital product for example, you can use http://clickbank.com and the affiliate end of your business is all done for you. All you need to do is recruit affiliates. If you have a physical product for sale, you can use a company like http://paydotcom.com to automatically put your affiliate program into place. In order to use these companies you need to pay them a small percentage of each sale you make but it is worth it because you dont have to program your own affiliate tracking site.
Once you have your affiliate program ready to go, list your online store with affiliate directories found on the internet or recruit affiliates directly by placing ads in appropriate places such as adwords, or webmaster forums.
Geoff Spencer is a staff writer at http://www.onlinebusinessgazette.com/and is an occasional contributor to several other websites, including http://www.financejournal.com.Exclusive Mortgage Leads
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The acceptance and demand for online shopping has therefore compelled more and more people to open online stores to get a piece of this action. Someone operating a store out of their own home can compete with the retail giants that offer online shopping.
Obviously one needs a quality product sold at a reasonable price to be successful but aside from that, the key to success online is getting people to visit your online store. If no one comes, you cant sell anything. There are many tactics you can take to attract people to your store and a popular method is to use affiliate marketing.
Affiliate marketing enlists the aid of others to drive people to your online store. Generally speaking, people have no desire to help you out of the simple kindness of their hearts. Instead, you have to bribe them in some way. You do this by making them your affiliates and giving them a cut of the sale if a person they send makes a purchase at your site.
It is a win win situation. You get a visitor and a sale you would not have otherwise gotten, and the affiliate gets money for his efforts in sending someone to your online store. Just imagine the power of this if you have 10 affiliates, or 100. Many stores derive the majority of their sales from affiliate referrals. Affiliate marketing is a lucrative proposition and big business on the internet.
So how do you find these affiliates to help you make sales? You first have to develop an affiliate program and have a way of tracking your visitors and sales. This can be a complicated procedure, or you can make it simple. If you sell a digital product for example, you can use http://clickbank.com and the affiliate end of your business is all done for you. All you need to do is recruit affiliates. If you have a physical product for sale, you can use a company like http://paydotcom.com to automatically put your affiliate program into place. In order to use these companies you need to pay them a small percentage of each sale you make but it is worth it because you dont have to program your own affiliate tracking site.
Once you have your affiliate program ready to go, list your online store with affiliate directories found on the internet or recruit affiliates directly by placing ads in appropriate places such as adwords, or webmaster forums.
Geoff Spencer is a staff writer at http://www.onlinebusinessgazette.com/and is an occasional contributor to several other websites, including http://www.financejournal.com.Exclusive Mortgage Leads
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How To Find Hot Niche Markets
Working out what your niche market will be to start your home business is something that can elicit much excitement. This is when you can put all those great ideas you have had for your business into a plan of action. Give yourself a number of options to work over. Some will be great and some won't fit. Get more than one so you always have a back up when you start a home business.
Look to 3 sources for ideas:
* A hobby you love: You won't find many hobbies from which you can't build a business. And since you enjoy doing it, it won't be tedious to "go to work" every day. When you pick something for your business that you sincerely like, you will have fun at doing it.
* Your experiences: In life we go though many experiences and you can use these to build a business. For example if you have raised children you can then put all your parenting experience together and start a business related to parenting.
* Your talents: Everyone has one or more talents within them. Dig down and see what yours are. You can start a freelance business using your talents.
Defining your niche market:
1. List out some ideas then put them in the order of what you like the best.
2. Go to the site listed here and put a key word into the overture suggestion tool box: This will bring up the amount of searches that have been done for your keyword and will represent demand.
3. If you search out that same key word on Google search engine http://google.com then you will see websites supplying that item and you will know how many competitors are out there that will be competing with you when you start a home business.
4. If you find a topic that is demanded in quantity but low in the suppliers, you will then make money. This should be your special market for which you do your niche marketing. You will make more money with a niche market as you will reduce and sometimes even eliminate competition. Go through your list of ideas until you narrow it down to about
5. Then go through them again and see which one will fit into a niche market.
Establishing your USP:
Once you have found the concept that fits into a specialized or niche market it is time to establish your USP, Unique, Selling, Point. This is when you will take your idea, and see how you will make your business uniquely different from your competitors. Often neglected, finding the USP is something that new business owners need to do to set their item above the competition. Online businesses are very competitive and you have to stay ahead of the game.
There are two reasons you need to set yourself up as different from others:
1. Get ahead of your competitors
2. To clearly define to your potential customers why your product and service is better than your competitors.
Deciding on your business model:
Part of your business concept will not only be consolidating your ideas but also choosing your business model. There are a few that you can choose from:
* Affiliate marketing-Getting involved with affiliate programs will target your efforts
* Network marketing (MLM)- again this will target your market and idea.
* Marketing-taking the product and selling it
* Service- you should use your talents, which includes freelancing.
You can see there are a number of things you will have to do to get your business concept into operation. But it's worth it to plan and take care in developing it. It will be your foundation, after all.
Dan Farrell has a newsletter, Build An eBusiness On A Shoestring. To sign up with free bonuses, go to: Niche Market Ideas (http://build-an-ebusiness-on-a-shoestring.com) Mortgage Lead Transfers
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Look to 3 sources for ideas:
* A hobby you love: You won't find many hobbies from which you can't build a business. And since you enjoy doing it, it won't be tedious to "go to work" every day. When you pick something for your business that you sincerely like, you will have fun at doing it.
* Your experiences: In life we go though many experiences and you can use these to build a business. For example if you have raised children you can then put all your parenting experience together and start a business related to parenting.
* Your talents: Everyone has one or more talents within them. Dig down and see what yours are. You can start a freelance business using your talents.
Defining your niche market:
1. List out some ideas then put them in the order of what you like the best.
2. Go to the site listed here and put a key word into the overture suggestion tool box: This will bring up the amount of searches that have been done for your keyword and will represent demand.
3. If you search out that same key word on Google search engine http://google.com then you will see websites supplying that item and you will know how many competitors are out there that will be competing with you when you start a home business.
4. If you find a topic that is demanded in quantity but low in the suppliers, you will then make money. This should be your special market for which you do your niche marketing. You will make more money with a niche market as you will reduce and sometimes even eliminate competition. Go through your list of ideas until you narrow it down to about
5. Then go through them again and see which one will fit into a niche market.
Establishing your USP:
Once you have found the concept that fits into a specialized or niche market it is time to establish your USP, Unique, Selling, Point. This is when you will take your idea, and see how you will make your business uniquely different from your competitors. Often neglected, finding the USP is something that new business owners need to do to set their item above the competition. Online businesses are very competitive and you have to stay ahead of the game.
There are two reasons you need to set yourself up as different from others:
1. Get ahead of your competitors
2. To clearly define to your potential customers why your product and service is better than your competitors.
Deciding on your business model:
Part of your business concept will not only be consolidating your ideas but also choosing your business model. There are a few that you can choose from:
* Affiliate marketing-Getting involved with affiliate programs will target your efforts
* Network marketing (MLM)- again this will target your market and idea.
* Marketing-taking the product and selling it
* Service- you should use your talents, which includes freelancing.
You can see there are a number of things you will have to do to get your business concept into operation. But it's worth it to plan and take care in developing it. It will be your foundation, after all.
Dan Farrell has a newsletter, Build An eBusiness On A Shoestring. To sign up with free bonuses, go to: Niche Market Ideas (http://build-an-ebusiness-on-a-shoestring.com) Mortgage Lead Transfers
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Are Interest Only Mortgages A Good Option?
Around 1 out of ever 5 mortgage borrowers last year elected for an interest-only mortgage scheme. Of these, approximately 30% were new first time house buyers. So what?, you may be saying. And heres the problem: in almost every single case where a borrower has elected to purchase a home with an interest-only mortgage, the scheme was one that was advised to them by a mortgage broker.
In nearly every single case, the borrower was not required to show that they could repay the principal sum borrowed on the day the mortgage matures. In other words, no borrower was asked to show that they had taken out an underlying savings program that would have sufficient funds to cover repayment of the principal or any short-fall in the borrowing on the maturity date. Sound familiar? Well it should do, because it has all of the underlying tell-tale signs of the recent endowment mortgage mis-selling scandal.
If you already have an interest-only mortgage, you should not immediately panic that youre not going to be able to afford to repay your home loan when it matures. However, what you will immediately need to do is to take a look at your loan documents and see if you have been required to put in place some form of savings scheme that will help you to repay the principal outstanding on the loan on the day it matures. For example, is some part of your monthly repayments being put aside in an equity-linked savings account? If so, then there is a good chance that you should be OK; provided, of course, that the amount you are putting away is enough to cover your repayment and that you will not be expected to repay a significant short-fall.
If, however, you discover that you have not been asked to put in place a savings scheme that is going to help you repay the principal sum of the home loan on the day that it matures, then you will need to contact your lender and ask them for some advice as to what action you should take next to rectify the situation. You should keep in mind that even if you have to make top-up payments now, in order to get your program back on track, this is far less likely to cause you a significant financial problem the burden of having to pay a massive one-off lump sum (also known as balloon) on the day the loan matures.
In addition, if you find that your mortgage broker sold you an interest-only home loan without having warned you of what the dangers were having such a scheme without putting in place some form of underlying savings scheme, you should consider talking this through with your Citizens Advice Bureau to see what can be done about this. Here, it is likely that the problems associated with interest-only home loans is going to mushroom in the next few years, especially when to true number of first time buyers who may have purchase their new home using this scheme and will likely have had little or no extra money to save comes to light. As such, it is extremely likely that both your lender and you local CAB will be aware of the problem.
The only issue that really remains is whether or not those who have an interest-only home loan without any underlying form of savings scheme in place wish to face up to the fact that a very real and serious threat may now exist that the home they have been paying for all of these years may not actually be their one day.
Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.ukLive Mortgage Leads
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In nearly every single case, the borrower was not required to show that they could repay the principal sum borrowed on the day the mortgage matures. In other words, no borrower was asked to show that they had taken out an underlying savings program that would have sufficient funds to cover repayment of the principal or any short-fall in the borrowing on the maturity date. Sound familiar? Well it should do, because it has all of the underlying tell-tale signs of the recent endowment mortgage mis-selling scandal.
If you already have an interest-only mortgage, you should not immediately panic that youre not going to be able to afford to repay your home loan when it matures. However, what you will immediately need to do is to take a look at your loan documents and see if you have been required to put in place some form of savings scheme that will help you to repay the principal outstanding on the loan on the day it matures. For example, is some part of your monthly repayments being put aside in an equity-linked savings account? If so, then there is a good chance that you should be OK; provided, of course, that the amount you are putting away is enough to cover your repayment and that you will not be expected to repay a significant short-fall.
If, however, you discover that you have not been asked to put in place a savings scheme that is going to help you repay the principal sum of the home loan on the day that it matures, then you will need to contact your lender and ask them for some advice as to what action you should take next to rectify the situation. You should keep in mind that even if you have to make top-up payments now, in order to get your program back on track, this is far less likely to cause you a significant financial problem the burden of having to pay a massive one-off lump sum (also known as balloon) on the day the loan matures.
In addition, if you find that your mortgage broker sold you an interest-only home loan without having warned you of what the dangers were having such a scheme without putting in place some form of underlying savings scheme, you should consider talking this through with your Citizens Advice Bureau to see what can be done about this. Here, it is likely that the problems associated with interest-only home loans is going to mushroom in the next few years, especially when to true number of first time buyers who may have purchase their new home using this scheme and will likely have had little or no extra money to save comes to light. As such, it is extremely likely that both your lender and you local CAB will be aware of the problem.
The only issue that really remains is whether or not those who have an interest-only home loan without any underlying form of savings scheme in place wish to face up to the fact that a very real and serious threat may now exist that the home they have been paying for all of these years may not actually be their one day.
Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.ukLive Mortgage Leads
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How To Be A More Successful Manager
How To Be A More Successful Manager
Would you like to be more successful manager? Of course you would. I mean, who wouldn't?
Well listen up, because I'm going to tell you what it takes.
Successful management requires:
* learning how to assert yourself
* listening to others
* resolving conflict
* delivering the right work at the right time of the highest quality
* managing expectations so no-one is disappointed
* building and sustaining relationships
* raising your profile with the people who matter most
* understanding customers demands (and how to exceed them)
* maximizing the abilities of your staff and making them so doggone productive you'll be absolutely astonished
Over the last 20 years I have successfully worked for and managed many blue-chip companies. I am regarded as the 'Manager who is always striving for improvement.' I truly believe (and have evidence) that everyone can improve their management success, career and brand.
Over the years, I've had the time of my life and the career of my dreams and you can too. I've had so many promotions, I've lost count.
Over the past 5 years I have quadrupled my income. Let me repeat that - quadrupled!!! All because I know what "successful and effective management' and leadership" means.
With the extra income I earned I have:
* paid off my debts including my mortgage
* purchased several properties
* given myself more financial security by saving more
* taken several holidays every year with my family
* upgraded my cars and my lifestyle
I can show you how to do the same. If what I've said so far has struck a positive chord within you, I urge you to visit my website and read the rest of my message.
You'll be glad you did!
Visit my website at http://www.andrewrondeau.co.uk
Andrew Rondeau is a leading Management & Leadership Strategist. Exclusive Mortgage Leads
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Would you like to be more successful manager? Of course you would. I mean, who wouldn't?
Well listen up, because I'm going to tell you what it takes.
Successful management requires:
* learning how to assert yourself
* listening to others
* resolving conflict
* delivering the right work at the right time of the highest quality
* managing expectations so no-one is disappointed
* building and sustaining relationships
* raising your profile with the people who matter most
* understanding customers demands (and how to exceed them)
* maximizing the abilities of your staff and making them so doggone productive you'll be absolutely astonished
Over the last 20 years I have successfully worked for and managed many blue-chip companies. I am regarded as the 'Manager who is always striving for improvement.' I truly believe (and have evidence) that everyone can improve their management success, career and brand.
Over the years, I've had the time of my life and the career of my dreams and you can too. I've had so many promotions, I've lost count.
Over the past 5 years I have quadrupled my income. Let me repeat that - quadrupled!!! All because I know what "successful and effective management' and leadership" means.
With the extra income I earned I have:
* paid off my debts including my mortgage
* purchased several properties
* given myself more financial security by saving more
* taken several holidays every year with my family
* upgraded my cars and my lifestyle
I can show you how to do the same. If what I've said so far has struck a positive chord within you, I urge you to visit my website and read the rest of my message.
You'll be glad you did!
Visit my website at http://www.andrewrondeau.co.uk
Andrew Rondeau is a leading Management & Leadership Strategist. Exclusive Mortgage Leads
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