Old school wisdom like ‘the customer is always right’ have often taken a back seat to automotive advertising agencies and auto dealers who presumed to talk “at” customers rather than listen to them. Hard sell tactics built on that presumption may have sold cars in the past but with the rise of the Internet and social networking media — not so much!Today’s educated car shoppers are bypassing the auto dealer’s real and virtual showrooms in favor of visiting other online information resources. Auto dealers are being replaced by consumers in the formative stage of their buying cycle who turn to trusted friends in social networking communities. These online groups of like minded consumers share their car buying experiences before, during and after the sale and customers find that they are able to provide far more transparent and relevant information than any self serving auto dealer; real or imagined.Similarly, the reach and frequency of the best planned automotive advertising campaign can be trumped with the click of a mouse by a car shopper who can get the information they need to buy a car without having to listen to a sales pitch from a self serving auto dealer. The solution for automotive advertising agencies challenged by a shrinking economy and a consolidating auto industry is obvious — if you can’t beat them, join them.Social networking on the World Wide Web is an extension of an equally established wisdom that people like to do business with people that they like. The social part of this growing online marketing phenomenon is built on trust in friends which is an element of human nature that has survived on the Internet Super Highway. Networking references the value of word of mouth advertising that delivers a single message to a sphere of influence that used to be limited to close friends and family. The Internet now distributes that same message virally on channels like You Tube, My Space, LinkedIn, Face Book, Bebo, Twitter and too many others to list that are growing exponentially.Automotive advertising agencies have been challenged to monetize social networking with mixed results primarily because they attempted to apply best practices learned from their past experiences on conventional media like radio, T.V. and print. Initially, it was assumed that the only adjustment needed was to post the same retail messages that worked in conventional media on the social networks. That was accomplished through the use of banner ads linked back to the auto dealer’s website or with an invitation for the customer to call or visit their real world dealership to get the information they needed beyond the low ball price or payment that was often offered but rarely trusted. These banner ads were seen as an easily avoided nuisance by community members who opted not to play. However, evidence does suggest that they did/do provide a residual impression that adds to the auto dealer’s top of the mind awareness with the car shopper; although sometimes the impression was tainted by the dealer’s intrusion into the community of friends.When the R.O.I. of the banner ads did not meet expectations, automotive advertising agencies attempted to register their auto dealer clients as members of the community to promote themselves from within. Auto dealers were quickly discovered as the wolves in sheep’s clothing that they were and the unwritten rules of etiquette of these social networking sites drove them from the community with their tails between their legs.Automotive advertising agencies have since learned that the elements of human nature that drive word of mouth advertising are fragile and they require transparency to survive in social networking communities. As is often the case, the solution has been provided by the developing technologies that have matured along with the Internet as a marketing media.One such solution is provided by ronsmap.com, a game changing customer centric marketing platform with proprietary applications including vBack and SellersVantage that generate Intelli-Leads with market and consumer intelligence not previously available to auto dealers. vBack is a social media engine that is embedded on the vehicle postings on ronsmap as well as the auto dealer’s website and linked marketing channels with an Ask-a-Friend/Tell-a-Friend feature functionality that develops viral messages trafficked through the social networking communities that the customer belongs to and trusts. In addition, related comments from friends solicited by the customer are attached to the Intelli-Lead as part of their SellersVantage application that also accumulates data on comparable vehicles from the auto dealer’s inventory in accordance with the customer’s stated preferences as well as related real time product and pricing information from local competitive dealer inventories posted on the Internet. This added information is sourced from within the social networking community by the customer — not the auto dealer — preserving the anonymity of the dealer while providing the auto dealer virtually unlimited access to members.This method of C2C marketing from the inside out vs. the now dated B2C marketing from the outside in is unique to ronsmap and it promises to allow automotive advertising agencies access to this growing online media. Conventional media is, and will always be, an integral component of any comprehensive marketing plan, however access to leveraged viral messaging offered by consumer driven social networking channels is the best way for budget challenged auto dealers to sell more for less. After all, what are friends for!
How to Encourage Young People to Read Educational Books
As a child I remember how much I used to love reading fiction books and detesting non-fiction books. No matter how many encyclopaedia and education books my parents had bought for me, I would always have a strong desire to read my fantasy fairytale books. There was something magical about immersing oneself into the creative world of the author and sharing their imaginative made up story. This for me was escapism, before the age of games consoles and online RPGs.However, nothing is more important than getting your children into the habit of reading education books, not simply as a short researching tool or quick resource book that they can look up. Education books do much more than simply aid a person when researching a topic for a project or assignment. Many people will agree that we all prefer to read up on the subjects that take our interest, but for those subjects we care very little about we avoid.Books that are boring to children will not inspire them to read. In a recent study involving the observation of school children being instructed to spend a set amount of time quietly reading, most of the children reacted with a few moans and groans, and whispering amongst them instead of reading. This study showed the lack of motivation for reading, making the task almost pointless and less effective. The problem is the lack of motivation to read, resulting in a lot of children feeling bored. The trick is to entice or introduce the children to the books in an interesting way.There are ways in which children can be encouraged to read education books through some simple and methodical approaches. These approaches are much more practical and involve some work on the parent or teacher. These guidelines are based on what has worked for past individuals who have successfully been able to regain interest into their children for reading non-fiction and education books. The method is not an easier approach, but will nonetheless involve plenty of interaction.The first thing to do is to engage some excitement in the exercise you are about to undertake. If you want the children to take an interest in history, it might be work taking a field trip to the local history museum or going on an excursion to look at some historical and monumental buildings. This will require some preparation and planning, as well researching in your part to make this work. Be sure to take some pencils, pens and sketch pads so that when you take the children out they can be creative in what they had seen. Speak to them about the buildings and give them some insightful information about the place you are visiting.The next thing to do is to point out how you found the information out, through reading. You can demonstrate your passion for reading by introducing them to the books that you sourced the information from. The trip will have raised some questions from the children and in turn they will want to find out more. If they see you reading they will want to do the same thing.An important step to take is to read aloud to your children, even if it is an education book about Ancient Rome. As long as they can understand what is being read to them, keeping them engaged by changing the tone of your voice and being animated in the way you deliver the words will help them to continue learning and further give them some encouragement to continue reading on the own accord.You can then work with your child or with a class of children to make a collection of information. For instance if the aim was to have your child develop an interest and understanding on Roman history then they can perhaps draw pictures of the Roman period, costumes, equipments etc. This can be compiled together to produce a work book or project folder that they can refer back to when they like. The main method of succeeding in this is to keep it fun yet insightful.For classroom activities, teachers can refer back to the subject at the end of the month and distribute activity sheets, assign each student to write an article complete with an image or take a trip to the same location and a different one relating to the topic you had studied previously, where you can test their knowledge. Taking trips to the library at the end of each month will keep their exposure to reading and books consistent.
Get Listed on Google Business Maps
Did you know there’s a FREE listing on Google for your business, and it’s just waiting for you? Have you claimed it yet?It’s called Google Places and it’s a fast and easy way to build your online presence, even if you don’t have a website!With Google business maps -1. Reach millions of Google users, quickly and for free – More people search for businesses online than anywhere else, so it’s important to make sure your business listing can be easily found on Google Business Maps. Creating a listing is easy, takes just a few minutes and it doesn’t cost a thing!2. Easy to edit – Your business may already show up on Google, but you will need to claim it and make sure the details are correct. Any changes you make will appear on Google as soon as you complete the verification process.3. Practical and easy to manage – Your Google Business Maps listing is an easy way to maintain an online presence even if you don’t have a website. Visit Google Places anytime to edit your information and to see how many people have seen and clicked on your listing.4. Add photos, videos and other custom options, all for free – Make your listing really shine with photos, videos, custom categories, your service area, brand name products you sell, how to find parking; and coupons to encourage customers to make a first-time or repeat purchase.Signing up for Google Places is simple. I’ve listed the steps below to create (or claim) your FREE Google Business Maps listing for your interior design business.1. Get a Google Account – If you don’t have one, go to Google.com or Gmail.com and set up an account. It’s a good idea to create a new Gmail account just for this. That way you won’t mind sharing it with others or passing it along, in case you wish to transfer ownership of your listings at a later date.2. Local.Google.com – On the left side of the screen, look for “Put your business on Google Maps.” Click there.3. Google Accounts – Look for the link that says “Google Places”. Click there and you’ll see a page that looks like this:4. Fill in the Blanks – Add your business information and click continue.5. Claim or Create – If you see your business listed there, Google will offer you a chance to claim the existing listing. If you see one that looks like it could be yours, but there are errors, go ahead and choose it. You can fix the errors. If you don’t see your business listed, follow the rest of the instructions to create a new listing.6. Main Form – Complete the rest of the form and click Submit.7. Verify – Google asks you to verify your submission by phone or postcard. They want to be sure that only the right people are able to change any public data about your business. I recommend the phone call option – it’s fast and easy. Either way, you’ll receive a 4 digit code that you will have to enter into the appropriate box on the page.8. Success – You are now done claiming your listing!9. Customize – Be sure to add in photos, videos and descriptions to fill out your listing fully. If you don’t have them handy you can always go back to add them later.Claiming your Google business maps listing is an extraordinarily important factor in determining how you show up in Google, especially when competing with other interior designers in your area.
How to Setup Your Google Analytics Account
Your main marketing tool and the “shop window” online is your website. But do you know how well it’s performing? How many visitors do you get every week? How many of those sign up for your email newsletter (opt-in to your email list)? Where do they come from, what keywords they searched before they reached your site?All this information is available for free in one of the most comprehensive marketing analytics tools online – Google Analytics. And best of all – it’s completely free to use! In this post I’m going to show you how to setup a Google Analytics account and your website conversion goals.The main reason we need to set up and track websites goals is to track website conversions.Every business website has a purpose: to sell products or services, to cross-promote another site, to engage users. The purpose is achieved when a user accomplishes some specific action, like watching a video, filling in an enquiry form, viewing a minimum number of pages, buying a product. It’s important to identify these milestones and give them values so you can track and measure the extent to which your users succeed.That success data is available in the Goals reports in metrics like Goal Completions, Goal Value and Goal Conversion Rate.Types of Google Analytics goals you can track:
Destination: the user reaches a specified web page or app screen.
Duration: the user spends a specified minimum amount of time on your site or app.
Pages/Screens per visit: the user views a specified minimum number of pages or screens.
Event: the user conducts a specified action, like viewing a video.
For newsletter subscription you can set up the Destination type of goal – webpage view. You need to set up for your email subscription form to redirect subscribers to a special page on the website “thanks for subscription”. Views of this page we are going to track.First you need to create a Google Analytics account if you haven’t got one yet. Then you need to set up a marketing “account” there for your business and accept their Terms & Conditions. In each account you can have multiple properties – I would usually set up a properly for each separate website a business has.Once your property has been set up, Google Analytics will give you a tracking code or a tracking ID that you can add to your website. If your website is powered by WordPress, you can install one of several excellent plugins – we love Google Analytics plugin by Yoast. Most of the plugins are free to use as well.After your plugin has been configured and code successfully added, Google Analytics should say that Tracking has been installed and it’s waiting for data. You can come back to check on your results in a few days to uncover answers to all the questions I showed you at the beginning of this article.What can you do with this data after you have setup your Google Analytics account?You can test improvements to your site to see what really works.
Name of your freebie or optin offer – reason to sign up for your list,
Position on the page – above, below, after header, within the page etc,
Having a pop up vs not having a pop up form, as well as having a text pop up offer vs a video opt-in offer,
Having a sidebar signup vs not having one, and positioning it differently within the sidebar.
The key to testing is you change only one variable at a time, leave it for a while, check your results. If you start changing several aspects at the same time, like adding a pop up, changing offer title, and adding a form just below the header – you won’t know for sure which of those improvements made the biggest difference, and which of the changes could actually be hindering the impact of others.The important part you will also need to set up is to configure goals for your website property – this is done through Google Analytics admin interface. You will need to set up a Goal for each conversion type you want to track – contact form enquiries, product purchases, newsletter subscriptions and so on. The simplest one to set up is your newsletter (email list) opt in conversion.You will need to choose a Goal of type page tracking and enter the URL of the page that subscribers see after they’ve signed up for your newsletter. If you haven’t got a page like that yet – you can add one to your site. In your newsletter provider you then need to add a setting that once someone signed up they should get redirected to this special page. How to do this varies from one provider to another, so you will need to check their specific help files.I’ve also created a video tutorial on how to use Google Analytics, which you can watch here: Google Analytics tutorial. So basically once someone completes a form on your site to sign up for the newsletter, they get automatically redirected to the confirmation page. And Google Analytics tracks views of this special page as conversions for your neswsletter opt in form. Within your goal analytics you can see what kind of traffic converts better – by filtering it by sources, keywords, demographics. Use this data to inform your other marketing strategies: guest blogging, social media, podcasting, keywords you optimise against, SEO.
How to Boost Your Google Places Business Account
Succeeding in business is synonymous with learning how to publicize yourself properly. You need to make your potential customers aware of your products and services to ensure that they recognize them as valid solutions to their everyday problems.The problem that many businesses face is that they don’t understand how to do this with the things that technology has made available to them. Most businesses are just starting to understand the importance of things like social media marketing and search engine optimization.The problem is that businesses that are just now investing in these practices are already miles behind businesses that invested in them from the first day they were available. That makes it hard to catch up.The good news is that local businesses have a shortcut available to them. By learning how to boost Google Places account, your businesses can become one of the top results for local searches.Let’s examine how to boost Google Maps rankings by looking at the factors that you need to pay attention to.1. Place Your NAP in the Correct PlacesWhen it comes to how to boost Google Places account, one of the most important acronyms you’ll ever learn is “NAP”. It stands for “Name, Address, and Phone Number”.It’s essentially how search engines like Google are able to recognize that someone is talking about your business in a local sense. By placing your NAP information in the right places, you’ll help Google associate the information it crawls pertaining to your business. This is just one of the ways you can learn how to boost Google Maps.2. Perform On-Site OptimizationLearning how to boost Google Places account can be as simple as learning how to optimize your already existing website. You need to ensure that the information that Google uses to match your business to your Google Maps listing is accurate on your business’s website.This is important even if you have multiple locations or franchises. You need to have your locations listed somewhere with the matching telephone number, address and name to allow Google to verify that your business is the right one.3. Create Local Buzz About Your BusinessThe third factor that helps to boost your Google Maps listing revolves around how popular your business is in a local sphere of influence. You need to have yourself, your customers and even other businesses talking about your business.This is how to boost Google Maps listings to the top spots. You’ll need every bit of buzz you can create about your business to ensure that your listing will rank that highly.The Importance of Google PlacesEnsuring that your business ranks highly when search engine users search for local results is key to promoting your business’s growth. It doesn’t matter if you’re a small business, part of a franchise or a large corporation that deals with local branches. You need the traffic, because it translates into both walk-in and digital customers.Don’t downplay how important Google Places can be to your business. Start working to boost your listings so that customers can find your business easier while becoming more aware of your brand.
Market Value of Effective Management Practices
We all know that stock markets respond in an irrational way dependent on the availability of information, and several key criteria related to the company. Innovation, consumer appetite for new products or new uses of products, and leadership changes are the typical price influences that the market experiences, outside of global economic and political stability. It is the information that is readily available. Private companies on the other hand have a different perspective. Ask a private capital company what they look for in an investment and the best ones will tell you it’s about passion and a sustainable management process.These two items together create the magic that produces innovation, consumer attraction and strong leadership in a sustainable way. Lose either and you fall victim to individual heroics that may or may not produce that for which the public markets deem worthy of paying a premium. What are management practices exactly? They are the behaviours that company managers exhibit when executing the company’s management processes. More specifically, they are behaviours that:
Illicit creativity
Align and motivate teams and individuals
Provide candid and productive feedback in all directions
Create vision and excitement, and
Produce a steady flow of change that results in consistent and dramatic performance improvement over long time horizons
Management processes include strategic planning processes, annual objectives-setting processes, performance management processes, process improvement processes, and employee and customer feedback and communication processes. A company that can consistently find innovative ideas, create an appetite in the market, and execute on the market demand on a repetitive basis shows signs of having a strong set of management processes that are practiced very effectively. Think Apple in recent years, who made a killing on iPads and iPhones in the wake of a terrible recession. A company that produces one great innovation and then struggles to find more is likely suffering from poor management practices. All new ideas or projects are relying on individual heroics, and any weakness in its execution should be a sign that there are weaknesses among the management.Think Blackberry in recent years, and their poorly received Playbook and Blackberry Torch. Which one would you rather invest in? When the market values innovation, consumer appetite and company leadership, what they are really valuing are the signs and symptoms of effective management practices. Why not go straight to the source and make sure the fundamentals are in tact before you invest in the symptoms? Over the last 6 years I have assessed the management practices of various companies in multiple different fields, from consumer goods to financial services and beyond. By addressing and improving a few key management practices, my clients have earned significant premiums on their valuations. It is possible to measure the effectiveness of a company’s management practices, and that research should weigh heavily on an analysts estimates of a company’s value.The best way to learn about a company’s management practices is to find out from their customers and employees. A fractured company, with poor feedback from customers and employees is a sign of a company with fractured management practices. Perhaps there is lack of clarity in the organization’s strategy. Maybe the employees don’t know how they fit into the big picture. Maybe there are pervasively inefficient business processes. Or perhaps there is a severe fear of giving performance feedback that is based objectively on tangible results. All of these root causes lead to limited innovation and poor understanding of customer appetite.Your Best Stock Bet- The best bet from my perspective is to put your money in on the companies that meet any of the following characteristics:
A low stock price, and new leadership that has a track record of great management practice
An IPO in which the prospectus or your own knowledge of the company shows clear indication that there are robust management processes in place, and skilled practitioners of those processes within the management ranks
An undervalued company that has strong management processes, and is investing in upgrading its management’s execution of those processes
Companies that you might want to divest of or avoid are ones that:
Have stale management processes that are not being practiced in a way that produces creativity and excitement
Use their management processes to hold the company and its employees hostage
Are bringing in leadership that have demonstrated a greater interest in personal celebrity than in sustainable management practice
Have low employee engagement and customer feedback scores
How to Influence the Management Practices of Your Company- Many organizations have management processes in place that are quite robust. Where they fall down is in how they are practiced. This is because how these processes are practiced are often left to individual interpretation, which is limited to the individual’s experience and biases. Some managers are excellent individually, and demonstrate awesome management practice. Others are learning as they go, emulating the leaders they want to be, and hoping they are being taught the right stuff. Some are even paying large premiums to get an MBA, which invariably doesn’t actually teach them the process skills of management such as gaining consensus, managing people, and making efficient multi-disciplinary decisions.The secret to organizational value is to have management practices that are consistently high across a large number of managers. Leadership has an interesting position in the equation. In a company that has and practices robust management processes effectively, leaders can be created. What the market values when they see a change in leadership is the leader’s ability to implement and execute an effective set of management processes.For those of you who are leaders, this means spending your own time learning the best practices, experimenting with them on an ongoing basis, and mastering them over time. For managers, it also means working in an organization where the leader values the investment in creating effective managers. These practices can be learned with an executive coach who has explicit experience in the development and application of management practices. No matter how you get there, the best chance you have at increasing a company’s valuation and stock price sustainably is if you take a look deep inside the guts of the company at its management processes and practices.
Are Affiliate Marketers in High Demand?
Beginners wonder if it’s possible, and skeptics declare the expense and efficient prices of affiliate marketing potentially lowers the bar for online marketing. Yet, the question remains: Are Affiliate Marketers in High Demand? However, there is an excellent reason affiliate marketing has actually experienced consistent growth throughout the ups and downs of online marketing — it works. Affiliate marketing has now become a reliable source of sales for a large range of marketers.Affiliate marketing developed from the early years when some touted it as the future of online advertising, and others claimed it was the downfall of the medium. It’s now a sophisticated avenue which creates anywhere from 5 to 25% of online sales for a number of the world’s biggest brand names.The idea of a wide-open affiliate program with a unchecked and unlimited number of affiliates is a thing of the past. Nearly all online marketers concur that affiliates add value to an online marketing effort, however the program needs to be tailored to fulfill the online marketer’s goals. Affiliates are the real step-children of internet marketing. They rely on tried and tested techniques for developing sales and marketing websites or items online. Lots of e-commerce sites owe a lot to affiliate marketing methods– namely Amazon.com and CDNOW’s WebBuy system. This is an extremely effective way to produce brand awareness and generate leads and company.In the early days of the internet (around late 1994) the majority of online merchants made usage of a Cost-Per-Click system (known as CPC or CPM). The affiliate made money from every click to the merchant’s site generated from the affiliate’s website. 80% of affiliate marketing is now on a cost-per-sale basis, where the affiliate receives a commission for every real sale produced on the merchant’s website. At least 19% of online marketing is on a cost-per-action basis, where the affiliate receives a revenue-share if the individual referred from their website in fact registers or subscribes with the merchant’s website.Affiliates did not bring an end to other, higher priced forms of online media marketing. The success of their endeavours in providing sales cost effectively by method of a pay-for-performance design led the way for other types of performance-based advertising, such as CPA-based search and portal marketing, to produce approval among direct online marketers. Affiliate marketing has actually developed, with marketers and affiliates ending up being more sophisticated and programs more integrated with other kinds of online marketing.In Conclusion:The idea of a wide-open affiliate program with an endless number of affiliates is a thing of the past. The success of the affiliate marketing in delivering sales successfully by method of a pay-for-performance design paved the method for other types of performance-based advertising, such as CPA-based search and portal advertising, to create acceptance among direct online marketers. Affiliate Marketers are now more sophisticated and marketing programs are more incorporated with other forms of online marketing.
What’s the Hardest Part of Marketing Yourself?
In my Fast Track Marketing System I divide marketing into seven very specific modules:1. The Game of Marketing2. The Mindset of Marketing3. Marketing Messages (Your Value Proposition)4. Marketing and Selling Conversations5. Written Marketing Materials6. Marketing Strategies7. Marketing Action PlansAll of these have their particular challenges. But in my experience in working with thousands of Independent Professionals, it’s #7 that seems to be the hardest for most people.After all, most of the other 6 modules are all about preparation to market yourself.You learn the basics of the game of marketing, you work on your marketing mindset, you develop marketing messages, conversations, and written marketing materials, and ultimately choose the marketing strategies to get the word out.And then the rubber hits the road. You have to actually get out there and connect with potential clients through networking, speaking, an eZine, social media, emails, etc.For most, the bottom falls out of their marketing at this point. It simply goes nowhere, or more specifically it goes into the infamous “Random Zone” where things are done haphazardly and inconsistently.If people have worked to develop the whole foundation of their marketing first, know who their target market is, have put together a web site and have practiced their marketing and selling conversations, they are going to have more success.But even the well-prepared struggle with implementation.Why is putting action plans into action so hard? Here are three of the most common ones. Are they familiar to you?1. As soon as you start reaching out, you face possible rejection. What if your message, your talk, your emails fall on deaf ears? What if your potential clients could care less? What if they outright rejected your promotional efforts?We conjure painful mental images in our mind that stop us cold.For this one we need to work again on our mindset, on our thinking, realizing that if we reach out and people aren’t interested, that it’s not personal. They don’t hate us; either they are simply not good prospects right now or our message doesn’t have the impact it could.So reach out to new prospects and keep improving your messages.2. It takes way more time and effort than you ever thought it would. We think of marketing as a few promotional things we do here and there. This should be easy, we think. But it’s not.Time to do a reality check. Any marketing activity takes time, effort and commitment to make it work. Marketing is a bit of an art and nothing works perfectly on the first draft.You need to make detailed and realistic plans based on strategies that others have used successfully in the past. If you just make it up as you go along, your chances of success are very slim.3. It’s never good enough and although you might even know what you’re doing, you put off your marketing launches until everything is perfect… but it never is.What underlies this are beliefs about perfection, not being good enough and being judged by others. It’s not so much rejection you fear, but disapproval. What will others think of you?Well, if your marketing campaign isn’t relevant to those you are targeting, it’s not a big deal. They’ll just ignore it. They won’t think much about it at all. But for the ones that are looking for what you offer, they’ll not only be interested, they’ll respond.Your prospects are not looking for perfection from you; they’re looking for assistance and value. If you’ve got that, perfection is virtually irrelevant.I’ve done a whole lot of marketing action plans that were rejected by most people, took me a long time to implement, and were far from perfect. And most of them have made me hundreds of thousands of dollars!Marketing success is about know-how, value, commitment, and persistence. Everything else is just a distraction.The Fearless Marketer Bottom Line: There could be a lot of other things stopping you from following through with your marketing plan as well. The question is, where are you going to focus – on your fears and worries about rejection, time, and perfection – or are you going to focus on the value and difference you make and give your marketing plans a real chance?
Finessing the Financing – Navigating the Current Real Estate Buyers Market Part I
Every one is talking about the foreclosure crisis and the slump in the economy. With all the despair surrounding our Nations economy how is one to take advantage of this once in a lifetime buyers market?
Patience, persistence, negotiation, and creativity in financing will be a good point to begin with. For most people going to the bank and asking for a loan is the only way they know how but this series of articles will give you insight on how to finance a home without initially using the bank.
The techniques are legal and are in use by investors. We learned these techniques to be able to finance the deals we have put together for the person with less than stellar credit.
Financing, until recently, was not the barrier. People were being given sub prime loans and are now paying the price of the sub prime lending scam. The loans were legal but they were a disservice to people, this is why I’m calling sub prime loans a scam.
Sub prime loans take advantage of people who are, one not informed, or two who have less than perfect credit. The techniques that will be in this article will not be scams of the sub prime lending. These are techniques you can start using today to help you be in a house in less than thirty days.
These are not sub standard property’s that are involved in the techniques of this article although the same techniques can be used on the less than desirable home.
For many Americans a few blemishes on their credit can keep them from homeownership. Many have sought the services of the credit cleaners, but still a few things may stay due to the nature of the type of account or length of delinquency.
With a conventional loan comes conventional thinking. In our current time and economy there is a call for unconventional thinking on the part of buyers as well as sellers.
One creative technique would be to have a seller carry the financing for either the second mortgage, if the buyer cannot finance the entire amount. Or the seller could carry a first mortgage if the buyer is really having trouble with the bank. Loans like these will probably become more common as the banks begin to tighten the lending requirements.
According to many analysts lending is not as tight as it is going to get in the very near future.
Of course the seller would only hold the note for a short period of time, unlike a conventional loan, which would be for thirty years. The buyer’s mortgage would be for three to five years. At the end of the time period the buyer would find the financing for the remaining portion of the loan. By that time the buyer should qualify for a refinance of the loan.
This is only one of the many ways to finance a home creatively and legally without the buyer or seller losing anything but gaining everything.
Best computer science papers online
Computer science papers are part of the diverse types of assignments that students will encounter in their academic endeavor. Student undertaking engineering and computer science course will write computer science papers before they complete their course. It is important that student familiarize themselves with the right skills needed to complete such papers. The first vital skill in writing any academic paper is practice. Student should practice how to write different computer science papers. Some of the academic papers that students may encounter include computer essays, term papers, research papers, thesis and dissertation. It is vital for the student to practice the writing process depending on his academic level. Unfortunately, not all students have the ideal skills to complete an academic paper. Some students may have the right ideas regarding the completion of the paper, but they lack the skills to out the ideas into a sensible computer science paper. Such students risk failure if they persist to present poorly written papers.
Computer science papers services gives students a chance to complete their assignment in a way that guarantees excellent scores. The affordability of the computer science writings that we write makes us an ideal choice for students. We have affordable rates that suit students of varied financial statuses. The low pricing of the service is attributed to the desire of the company to serve all students. We have retained a standard fee throughout the years. We rarely hike the prices of computer science papers. The quality of the computer science papers also makes the company the ideal choice for many students. We have excellent writers who are dedicated to serving all students. The writers are well trained and certified. This means that we engage the service of professionals in the completion of the writing. We also operate 24/7 ensuring that the company does not experience any backlog in terms of completion of computer science papers.
The 24/7 operations also ensure that we are capable of handling urgent papers. Sometimes a client may place computer science papers that are very urgent. In such scenarios, we ensure that the client finds a reliable service provider who will ensure that the urgent computer science papers are completed. The company remains open throughout the year regardless of the holiday in question. The timely delivery of completed computer science papers makes the company an ideal choice for many students. We are known to deliver completed papers on time. This is attributed to many factors. We, for instance, have a dedicated team of writers who work tirelessly to ensure there is no backlog of computer science papers. We also have a first-come-first served strategy in which writers work on computer science papers that student sent first. The earlier the client sends a writing request, the sooner he shall receive a completed paper.
Originality is also emphasized with all computer science papers written from scratch. We also ensure that we scan all completed paper through a plagiarism checker to determine authenticity.
Clients who require a plagiarism report can request for one from the customer service. The
customer care service is also available 24/7 to assist all students with their enquiries. Scanning of completed papers is guaranteeing that students receive papers with 0% level of plagiarism.
We also offer editing service at a reasonably low price. Try the computer science papers services today.