The Bitch Ditch

Mortgage leads are like a box of chocolates, you never know what you’re going to get. That is why it is so important to do your research before you invest.

When shopping around for a lead company, you want to ask yourself six easy questions about the leads you are going to invest in.

WHO, WHAT, WHERE, WHEN, HOW, and WHY.

Who is the person trying to obtain the mortgage? Are they serious about their purchase, or are they looking to buy six to eight months down the road once their lease is up, and they save some money?

Look for lead companies that weed out these types of leads, and will send you only potential customers looking to purchase within thirty to forty-five days.

What exactly is it that they are looking for? Are they looking to purchase, refinance, obtain a construction loan, or purchase land?

Make sure the lead companies have parameters on their applications to make sure the potential customer can be specific about what they want.

For instance, if a customer wants to refinance their home to purchase a new roof, because their existing roof has caved in, chances are, the appraisal won’t come in. We all have compassion, but this is not a good situation for a loan officer spending their hard earned money.

Where are the leads coming from? If a lead company is buying their leads from other companies, then these leads are considered old or recycled. They will however be very cheap, but remember, quantity is not always as good as quality.

When is your customer looking to purchase? If they are looking to purchase thirty to forty-five days from now, great! If not, then you might be waiting a long time for your ROI.

How many other loan officers have contacted your customer? Most lead companies sell their leads up to four times if they are being sold non exclusively. Make sure you find out the amount of times your lead company sells their leads to loan officers, and if they recycle them to other lead companies.

Why is this person applying for a loan? When you receive a lead from a lead company, there should always be a comment section where the potential customer can state the purpose for the loan and ultimately describe their needs. This way you can do a little research to discuss the programs you can offer that would be suited to their needs.

It is important to do as much research as you can about mortgage lead companies before you start investing your hard earned money.

Visit their web sites, and check out their return policy. Call and speak with a representative, and ask if they will allow for a free trial.

When you are ready to commit to making an investment, do it with a lead company you are comfortable with that has a reasonable minimum deposit to start with.

The more research you do, the better return on investment you will receive.

Good luck with your leads!

Jay Conners is a former loan officer with more than fifteen years of experience in the mortgage business. You can learn more about the mortgage lead industry and how he became involved in it by visiting his site at http://www.jconners.com a mortgage resource center. He also owns http://www.callprospect.com a mortgage lead company.

How do you persuade someone to do what you want them to do?

A whole world of marketing exists around us trying to do that every minute of the day. Do you even notice it anymore or, like your prospects, have you subconsciously set up a system of “radar defenses” against the daily bombardment of marketing messages?

Take a minute and count up the advertising methods which fight for your attention (and money) every day. Just the basic list includes:

Yellow page ads

Newspaper and magazine ads

Postcards, catalogs, and direct mail circulars in your “snail mail” box

Radio pitches interrupting the flow of your favorite songs

TV ads - about 20 minutes worth per hour now

Hundreds of storefronts, “mega” malls, and strip malls

Highway billboards by the thousands

Circulars hung on your doorknob

Illegal signs on stop signs and telephone poles

Legitimate email messages

Spam email or UCE (unsolicited commercial email)

Just these 11 sources can overwhelm your brain with marketing messages. Like trapped rats, people develop defenses against this never-ending onslaught. They throw up a wall or a “radar defense” that goes into action the minute they smell a “pitch” or a sales job. Don’t blame them. We all do it!

So how can you get around this psychological wall against the constant sales and marketing messages? Well, the answer does NOT lie in hitting people with more frequent and obnoxious advertising or sly, sneaky tactics. You might get them to trust you for a minute, but it will backfire in the long run.

You must do two things instead:

1. First, you must establish credibility for yourself and your business as an expert.

2. Second, you must reduce their fears about doing business with you.

Doing these two things will get you past their defenses and allow you the opportunity to persuade them to buy your product.

So how do you accomplish these two “simple” things? What will win someone’s attention, raise your credibility, and lower their fear factor all at the same time? The one-word answer really applies to most everyone.

Trust!

If a seller can get behind your defenses with information which makes you trust them, then that credibility will carry over into a sale much of the time.

How can you get this credibility?

Well, take this next fact as online marketing “gospel,” for many people have proven its effectiveness.

Fact: Publishing and promoting with free articles gives you one of the most powerful opportunities available to tip the buyer’s credibility scale in your favor.

How can we prove this works? Quite easily actually. Take a break from reading this and go check out a newspaper or magazine for a minute.

Which do you trust more, the ads or the articles? Most people will choose the articles hands down. Why? Because the articles don’t try to “sell” you anything. Instead, they hand out useful information for educational or other practical purposes.

Most of us grew up in a culture which says we can believe and “trust” what appears in the standard “news” or “information” format. In other words, if it appears in print, then we can believe and trust the author.

So go ahead! Use this lifetime of conditioning to your advantage in selling your products and services!

Very few things will create an atmosphere of trust and confidence in people as reading one of your articles on a subject that greatly interests them. It shows you know your business. It also demonstrates you will do more than just try to sell them something.

Publishing articles literally lets you fly under their advertising “radar defenses.”

So remember these points when deciding whether or not to use articles to promote your business:

1. Few things create as much trust and confidence in the minds of potential customers as reading an article you wrote on a subject which specifically and intensely interests them.

2. Articles establish credibility quickly because, right or wrong, we’ve all been trained to trust the “news.”

3. An article, or series of articles, will differentiate you from the competition, who bombard people with nothing but sales messages.

4. Providing content-rich, non-sales-oriented articles will also help build and solidify your relationship with existing customers so they give you repeat business.

—-

Jim Edwards is a syndicated newspaper columnist and the co- author of an amazing new ebook, “Turn Words Into Traffic,” that will teach you how to use free articles to quickly drive thousands of targeted visitors to your website or affiliate link! Click Here ==> http://hop.clickbank.net/?iknowhow/ezarticles

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This is the second part of an article series in which you’ll find many tools that you can use to monitor your site’s search engine position and see how your do-it-yourself search engine optimization efforts are coming along.

The following tools are for monitoring your search results in the three major search engines. It isn’t an all-inclusive list, but rather a highlight of some of the tools you can use. (I’ll point you to one of the master lists when we get into more general tools in part three.)

Using Your Google Site Information Page

I’ve covered this in an earlier article, but just in case you missed it, we’ll go over it again briefly here. (If you need more help following along, you can listen to one of my recent podcasts for a convenient audio walkthrough.)

Open up your browser and go to Google’s home page. Type in info:yoursitenameandsuffix. So if your site was ExactSeek.com you’d type info:exactseek.com. You can also use site:yoursitenameandsuffix to find out which pages have been indexed by Google’s search engine spider.

This search will tell you pages that Google considers similar to yours. It will also show sites that it considered linked to you, and show sites that carry your full url, hyperlinked or not. It’s not 100% accurate as far as telling you all the sites that are linked back to yours, but what you can learn from this is which backlinks matter.

From here you can also see the last day Google spidered your home page.

To see this in action, click on the first group of information links, “Show Google’s cache of yoursitename.com” If you look next to the word “cached” one the first line, the date is expressed also.

Sometimes it seems that the cached time for yoursitename.com and www.yoursitename.com are different, so be sure and check both.

Finding Information About Your Site In Yahoo

http://help.yahoo.com/help/us/ysearch/tips/tips-08.html

This document will tell you how to find out what sites are linking to you, give you the results for how many pages of your site are in Yahoo, and more. Once you get to the results page, you’ll be able to view your cached pages, etc.

Discovering Your Site’s Status on MSN

http://search.msn.com/docs/siteowner.aspx

As the page in the help section states, you can use site:www.yoursitehere.com to find out if a document at your site has been indexed. The results page will also give you the date of last caching.

Google Rankings

http://www.googlerankings.com

You’ll need a free Google API key for this one, and the site has the direct link telling you where to get one. You’ll have to enter this key in order to query the site for information on Google.

With Google Rankings, you’ll be able to see where you rank within the top 40-1000 results in Google for a given keyword. I recently noticed that it also displays results for MSN and Yahoo, with links to each search engine.

They also have some other tools that will track your keywords over time, as well as one they call the “Ultimate SEO Tool” that will measure your site’s keyword density.

Google Backlinks Checker

http://lilengine.com/tools/backlinks-tool.php

LilEngine.com’s Backlink Checker will measure the number of links you have pointing back to your site against competing sites. Handy if you just want a quick comparison of how many links you have versus others, though how much getting more links back will help varies, depending on other factors.

Yahoo Search Rankings

http://www.yahoosearchrankings.com/

From the same folks who brought you Google Rankings, using Yahoo Search Rankings, you’ll be able to see where you rank within the top 1000 results in Yahoo for a given keyword. If you just want to see your Yahoo rankings, it’s quite helpful.

You can find more Yahoo tools that use the Yahoo Web API at their developer’s site : http://developer.yahoo.net/wiki/index.cgi?ApplicationList..

In the next part of the article, we’ll take a closer look at other tools that give you more specific information about the links pointing back to your site, keyword research, and more.

Tinu is a website promotion specialist who can teach you many do-it-yourself ways to bring more traffic to your site in addition to DIY SEO. Subscribe to her ezine at http://www.freetraffictip.com/thebook/ for more details.

A massive and forever growing mobile phone UK market following the rule of introducing the newest new phone has now made it truly complicated for mobile phone customers to compare mobile phone promotions. Most of the time, there are various aspects that cell phone customers may need to look into when making phone comparisons that some of the most primary ones get forgotten about. Get some help with finding the best Mobile Phones and deals with MobileShop.

As a result, you regularly end up having a phone which is either too high priced or a mobile phone which is not suited for your cell phone text profile. Therefore we mention here about the 2 very most fundamental things that mobile phone customers should regularly investigate when making phone purchases. This will help you land a cell phone that at the very least meets the standard criteria mobile phone customers are looking for.

The total mobile phone UK market is booming on the basis of spectacular features like camcorders that keep getting added every week. But, a really large majority of customers purchase phones based on their appearance, brand image and outstanding marketing only to regret later on when folk find that their fantastic mobile phone lacks a remarkably standard feature like sending emails or ringtones. Various marvellous pricey mobile phones sell on the basis of hype, brand and aesthetics at price tags that are unjustified given the lack of high end features. For example the latest Apple Iphone 3G does not let individuals forward messages to all. Unfortunately, Apple Iphones target audience, eighteen to thirty five, gets to regret the absence of this feature only after spending months worth of pocket money on it. And so make sure that your marvellous new mobile phone has all the features like cameras you require before buying it. Since mobile businesses will never tell mobile customers about the outstanding features like mp3 players that their mobile phones lack, reading up online phone write ups is the greatest way to do it.

I was invited to be a panelist at a recent contact center trade association meeting, and I prepared a list of 20 do’s and don’ts that I shared.

One of them, something that I take for granted, having risen through the ranks as a telemarketer, a trainer, a manager, and as a consultant is the fact that each and every job applicant MUST be screened by phone before being invited to an interview.

Imagine how surprised I was to be asked to elaborate on that point by at least a few people in the audience.

It seems they never heard of this idea, having undoubtedly earned their stripes during the age of the Internet.

Many of today’s recruiters hire from pieces of paper, from resumes, however resumes don’t speak. Only people can do that, and some of course, are much better at it than others.

The capable ones speak clearly, without distracting verbal mannerisms. They don’t use a lot of “uhs” and “okays.” The best candidates are also effective listeners.

Call center work is largely PHONE work, and that’s communication work.

How can we know who will make a good phone worker if we don’t assess their phone behaviors?

I’d rather cut out the resume step altogether, and invite the best communicators to “Come on down!”

If you’d like more information about the telephone measures I use to objectively judge suitability for phone work, give me a holler!

Telemarketing is one of the most common ways that a business can generate leads. It is a versatile approach. Lead generation telemarketing can be inbound or outbound, meaning that systems use prerecorded messages and can dial either random numbers or numbers from an imported list.

Telemarketing is one of the few lead generation techniques that is flexible enough to be immediately adaptable to new situations. The telemarketer can answer questions or provide additional information as needed in response to the potential customer’s comments. Also, while prospective buyers may ignore direct mail or advertisements, they will not ignore a ringing telephone. Once the person answers the phone, a good telemarketer can generate a lead.

Inbound lead generation telemarketing involves the prospective customer calling the company to find out about their products or services. This is the best kind of lead generation telemarketing because the potential buyer has already shown interest by making the call. It is then up to the telemarketer to say the right things in order to retain the prospective buyer’s interest. Often, people will call for information about certain products or to see if there are any sales or discounts available. It is up to the telemarketer to be able to provide the caller with all of the necessary facts that the caller asks for.

Outbound telemarketing is less successful than taking inbound calls. It is difficult because it often involves what is called cold calling. This is when a lead generator makes an unsolicited call to a potential customer. The person has no idea who is calling them or why. A high percentage of people react badly to being cold called. It takes someone with great communication skills and the ability to handle rejection to make a successful cold caller. Other times, the callers are equipped with a list of potential leads. The caller’s responsibility is then to verify that the person is indeed interested.

Another option for lead generation telemarketing is to use a lead generation system. Lead generation systems are machines programmed to dial phone numbers and deliver a recorded message when the phone is answered. Many people hang up on these machines, but they are a cost effective way to generate leads. Some lead generation systems can be given a list of potential leads to call, thus increasing the chance of success.

Lead generation telemarketing is a great, flexible, adaptable way to gain new customers. People with good communication skills are often very good at this type of work.

Lead Generation Info provides detailed information about sales, mortage, MLM, business-to-business, internet, and insurance lead generation, lead generation telemarketing, and more. Lead Generation Info is the sister site of MLM Leads Web.

No longer do you have to have a part time job in order to earn extra income. Your ability to take surveys for money will allow you to control how much money you make. The formula is simple. The more surveys you take, the more MONEY you WILL make. Getting Sample Teacher Surveys is simple. I know I was skeptical myself at first when I heard about free paid surveys, read on more about Sample Teacher Surveys. The second thing you want to do is use something that will lead you right to the sites to begin taking survey offers that are worth your time. Also see Consumer Market Research Panels Join. Okay that’s great but lets get into the detail of how you go about making money-taking surveys.

In conclusion, surveys provide data that is necessary for planning purposes. Therefore, they must be given due consideration in order to write them effectively. Read on to find out more about Sample Teacher Surveys. It’s your single source for seeing where men women teens college students and seniors are uncovering some of the good survey sites you are missing out on. Find out more about Sample Teacher Surveys and Consumer Market Research Panels Join. You see search engines are what is leading everyone to the low paying places.
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New technologies in micro satellites are moving very fast as processors, sensors and systems get more powerful and much smaller. I propose to have these systems and micro satellites to be in a solar system type configuration as they fly, spinning around each other with each small micro satellite literally connected to another and spinning around a center satellite module connected to a few of the orbiting micro satellites.

The Lines holding them together will also be an entergy tail, that is to say it collects electromagnetic energy to keep the small communication system in low orbit, which takes a lot more energy, but there is significant electromagnetic energy there as well.

Why Low orbit? Well it allows for listen devices to be quite robust in ability and cuts down on the delay of communication time from Geo Sync Satellites. Perfect for the Military, NSA or commercial applications. Smaller satellites also have a reduced risk or the chance of collision by orbiting space junk and in low orbit there will be little if any of this orbiting high-speed debris.

By putting these units on tethers then will know where each one is and be able to be a single point of eight-point or Octa-angulation for precise GPS needs. Additionally they could be as far as 100-meters apart and operate net-centric or together, meaning you cannot see them, too small, you cannot shoot down what you cannot see and you have a massive communication and world class GPS system, as well as a spy listening device. Think on this.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

1) Don’t try to make the grieving person feel better. YOU CANNOT. For many grievers it only serves to make them feel guilty or worse. Grievers MUST experience the pain of grief for healing to ultimately occur.

2) Don’t tell the griever to give it time. Time has stopped for the griever. Life proceeds in slow motion. Life is too surreal to be identified with time.

3) Don’t try to divert the griever’s attention away from their pain by talking about something else. If you do, when you exit their presence, the reality will generally hit all the harder. Also, it may seem to the grieving that you are uncomfortable with them talking to you about their grief. If they sense this, they will alienate themselves from you.

4) Don’t be afraid to talk about the person who has died by name. If it makes you uncomfortable, it may want to assess your preparedness for helping. To recover from grief, the griever must have a realistic picture of the dead.

5) Don’t be frightened by tears…the griever’s or your own. Tears are apertures of release and help the griever express their sorrow in healthy ways with your presence as a cushion of warmth and empathy.

6) Don’t be concerned about saying the right things. Let the grieving person talk. Just listen and encourage their talking. Your presence is more meaningful than anything you can say.

7) Don’t argue with grieving individuals. Instead, reassure. You may hear statements such as, “I wish I had done this or had been more considerate” and so forth. Reassure them that they did what they could have done at the time not knowing _______ (name of deceased) would die when he/she did.

Don’t use euphemisms and flowery language. Generally, it only makes the situation seem more artificial and unreal. For example, don’t say “passed away” or “expired” when you mean “died.” The griever need to hear “dead.”

9) Don’t be afraid of silence. Silence on the helpers part show that you do not have all the answers and do not feel the need to pretend that you do. Furthermore, it gives grievers time to process thought and express feelings.

10) Don’t make general statements of help such as “If you need me, give me a call.” Chances that they will call are almost nil. Instead, be specific. For example, tell them about a group support group being conducted in their area; or tell them you will stop by next week to see if there is some housework you can help them with; or ask if you can bring dinner by tomorrow.

11) Don’t isolate grievers. Don’t cut your conversation or visit short because you are uncomfortable or because you are too busy. (Never look at your watch or the clock in their presence). Be ready with gentle words and a listening ear. Your sincerity and concern is the best proof to the griever that he/she still has resources to draw from.

12) Don’t become impatient. Many grievers ramble on and on and repeat themselves in their shock and confusion. Supporting with patience, empathy and compassion reveals your care.

13) Don’t be judgmental or rejecting. Grievers are hurting badly. They do not need your judgments and abandonment at this difficult time in their lives.

14) Don’t tell grieving people you know how they feel. YOU DON’T. Even though many helpers have also experienced loss due to death, each experience is different and felt differently. Your pain is never someone else’s pain.

15) Don’t let your own needs determine the experience for the griever.

16) Don’t push the bereaved into new relationships before they are ready. They will let you know when they are open to new experiences.

17) Don’t impose your value system on the bereaved. Your beliefs or ways of doing things may not be theirs.

18) Don’t elaborate on your personal experiences of loss to the bereaved.

19) Don’t let the griever forget their children’s grief and special needs during this time.

20) Don’t be afraid to touch, hold, hug (etc.) the griever. The feelings generated is worth more than a thousand words.

Rev. Saundra L. Washington, D.D., is an ordained clergywoman, social worker, and Founder of AMEN Ministries. http://www.clergyservices4u.org She is also the author of two coffee table books: Room Beneath the Snow: Poems that Preach and Negative Disturbances: Homilies that Teach. Her new book, Out of Deep Waters: A Grief Healing Workbook, will be available soon.

In the modern world very many people prefer to acquire their swimwear on the World Wide Web; buying online is a simple & correct way to shop in the warmth of your own house.

It’s imperative to guarantee whilst purchasing swimwear on the Web that it fits you correctly. When you get swimwear online always double check that the shop supplies a decent quality sizing diagram that presents all of the sizes you could require. With the aid of a sizing chart one can guarantee to get a swimsuit or bikini that fits correctly, therefore reducing the necessity to exchange for another size. Most of the swimwear retail stores do not provide an exchange of goods so it is more often and not always better to opt for an online store where exchanges are permitted. Some retail stores will accept the returns of swimwear if the tags and the original wrapping are also returned along with it. Find eye-catching and sexy mens thongs at great prices from designers such as HOM, Ginch Gonch, Calvin Klein and Tommy Hilfiger.

Swimwear is a predictable element of the summer; yet a huge majority of full-figured females feel daunted at the ideas of shopping for swimsuits & bikinis that fit properly. These women even think about wearing caftans by the swimming pool or at the beach rather than looking unappealing. Designers & shopkeepers have recognized the fashion problems of the larger woman, & are at last featuring a wide range of stylish bathing suit designs in XXL sizes, & one of the best places to discover such swimwear is to purchase swimwear on the Web.