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Internet Marketing Articles
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The Real Estate Market
February 13th, 2010
The Obama administration apportioned a large chunk of the $787 billion stimulus package to help the ailing mortgage industry. The housing plan involves extending $75 billion to about nine million Americans who are threatened to lose their homes via foreclosure. The US mortgage market is estimated to be $10,000 billion.
#13;Barely a month from approving the stimulus package, the plan seems to have a positive effect already. On March 17, the Commerce Department announced that the construction of new homes and apartments last month February has risen sharply by 22.2 percent compared to the month of January. This increase has been observed throughout the country, except in the western states which was heavily affected by the housing slump.
#13;One factor that attributed to this increase is the dirt cheap house prices. Since the start of the mortgage crisis, million dollar houses are now just a shadow of their past values. First American CoreLogic reported that #8220;about 8.31 million properties had negative equity at the end of 2008 #8243;. This means that a lot of homeowners owe more on their mortgages than their homes are worth. The cheap prices have prompted a lot of investors awash with cash to snap houses at bargain prices in bulk. In fact, housing sales in some parts of the country had also jumped to surprising levels. For example in Cape Coral, Florida house sales has also gone up by a whooping 103 percent.
#13;Another factor to consider is the decreasing mortgage rate. According to a survey conducted by Freddie Mac, the #8220;30-year fixed-rate mortgage averaged 5.16 percent for the week ending February 12, 2009 #8243;. In mortgage terms, this is a substantial decrease to last year #8217;s 5.72 percent. This low rate is #8220;offering many homeowners an incentive to refinance. This would translate into a monthly payment savings of around $188 on a $200,000 mortgage #8221;, according to the Vice President of Freddie Mac.
#13;Rate source: Mortgage Rates
#13;The low mortgage rate also encourages other people to buy new homes. As evidenced by the increase in mortgage applications and mortgage refinance applications. There #8217;s data supporting the observation that the sudden spike is not just a flash in the pan. The economic crisis has changed the savings habits of the general public. The U.S. savings rate has been going up and is now 3.6 percent, up from 2.8 percent in November last year. This translates to enough spending power that could sustain the growth in the housing sector. The confidence in the economy is also high considering the fact that the stock market has been on the up hill run for the past two weeks. The Dow Jones industrial index is now up to 7,278 points as of March 20.
#13;Meanwhile record high unemployment continues. Unemployment rate stands at 8.1 percent for the month of February and is expected to reach 10 percent by year end. Just recently Caterpillar Inc. announced to lay off more than 2,400 jobs in the US, while Nokia will lay off another 1,700 staff in its worldwide operation. The increasing unemployment rate may dampen the gains made in the housing industry as more unemployed means, less people can afford to purchase homes or even pay regularly their mortgage commitments. There is strong correlation in the housing demand and unemployment rate. In the western states where the housing problem is worst, the unemployment rate is also high. It seems tacking the crisis will take more than just one strategy. This means the government will need to focus on generating employment and not just focus on propping up the housing industry.
Jason P. Jones
Compare Bank CD Rates (Certificate of Deposit Rates), Online Savings Accounts, Online Checking Accounts, Credit Cards, Mortgage Rates and Bank reviews.
Tags: 30 Year Fixed Rate, 30 Year Fixed Rate Mortgage, Cape Coral Florida, Estate, First American Corelogic, Fixed Rate Mortgage, House Sales, Housing Sales, Housing Slump, Low Mortgage, Market, Million Dollar Houses, Mortgage Industry, Mortgage Market, Mortgage Rates, Mortgage Terms, Negative Equity, Real, Source Mortgage, Stimulus Package, Substantial Decrease, Week Ending February, Year Fixed Rate Mortgage Posted in Mortgage Marketing | No Comments #187;
Affiliate Marketing Tips #8211; 3 Top Tips to Explode Your Profits Like Wildfire
February 13th, 2010
If you are involved in affiliate marketing then you will want to check out these three proven successful affiliate marketing tips that have been tried and tested by many and have shown great results!
Tip #1: Affiliate With Companies With Large Customer Lists
Attempt to affiliate yourself with other companies that reach a wide range of customers. The bigger your affiliates customer bases and target group, the more people that your companies name will come into contact with. You want to associate yourself with companies that have large clienteles that could potentially seek out your services and provide your company with more income.
Tip #2: Set Up Cost Sharing Campaigns
Set up cost sharing marketing campaigns that not only advertise your company, but also the companies of those you affiliate with. You can do this via radio, television, or in print advertisements. You can make one advertising campaign that covers your company and all your affiliates companies. You can then share the cost of the advertising campaign. This will save you and all other associated companies money!
Tip #3: The More Joint Ventures The Merrier
Do not be scared to over-affiliate! There is nothing wrong with affiliating with numerous companies and organizations. The more affiliates you have the more customers you will reach. Just be careful of which companies and organizations you affiliate with. Check out their backgrounds and portfolios to make sure that they are respected and reputable companies.
If you follow these simple,easy tips, you can expect to see a rapid increase in your customer base and overall revenue.
Fabian Tan
Fabian Tan is a well-known Internet
Marketing expert and the author of the popular 59-page Report:
#8220;Murder Your Job: How To Build Cash Sucking Autopilot Businesses In 30
Days Or Less! #8221;
Head over to
to get your FREE copy now!
Also, quickly download his FREE #8220;Explosive Traffic System #8221; report that
shows you how to generate 10,000+ unique visitors per month at no cost! = gt;
Tags: Advertisements, Advertising Campaign, Affiliate, Affiliate Marketing Tips, Associated Companies, Backgrounds, Customer Base, Explode, Explosive Traffic, Fabian, Internet Marketing, Joint Ventures, Like, Marketing, Marketing Campaigns, Money Tip, Portfolios, Profits, Radio Television, Rapid Increase, Reputable Companies, Successful Affiliate Marketing, Target Group, Tips, Wildfire Posted in Marketing Tips | No Comments #187;
How Internet Marketing Came To Be The New Direct Response Marketing
February 13th, 2010
Before the dawn of Internet marketing, there was direct response marketing. It involved sending long sales letters by postal mail to customers about a certain product; the direct response marketer wanted the customer to fill out the order form and mail it back to the address posted with his/her order information included.
This was (and still is) a very effective form of marketing, but was (and still is) quite expensive #8211; sending out just 1,000 letters can cost you at least $2,000. It also takes good to great sales copy in order to convert those prospects into customers; if your sales copy falters, your financial loss will be that much larger, as you won #8217;t recover much of the cost from sending out those letters.
With the advent of the Internet, a new direct response marketing was born. Using the Internet, marketers could now quickly and inexpensively send thousands of emails at the click of a button to potential customers, instead of relying on slower and more expensive snail mail.
Prospects can open the email, read the sales letter of the website you are promoting, and order the product using the #8220;order button #8221; on the website.
And while traditional products, like books and CDs, can still be sold over the Internet, a new type of product also emerged #8211; digital products, including ebooks, MP3 files, and software programs. These digital products can be sent to the customers immediately after payment, just by redirecting them to the download area where they can download those products.
Due to the emergence of digital products, people #8217;s appetite for instant information continues to increase. The power of the Internet allows information marketers to be able to fill that need instantaneously.
Information marketers who do business on the Internet (a.k.a. Internet marketing) have great advantages over those information marketers who only do business offline:
- You can set up an online sales page in just a few hours.
- You can deliver the product(s) to your customers instantly after they complete their transactions.
- You can create digital products at far less cost than traditional books and CDs.
- You get your payment before you send out your product(s).
- You can automate the online sales process, allowing it to work for you 24 hours a day, 7 days a week, 365 days a year. Orders can come in anytime, even while you are asleep or away from your computer.
Conversely, offline marketers have to
- spend more in order to create their books and CDs.
- have to have retail space to store their inventory.
- advertise in magazines, newspapers, and other print media.
- have someone working for them to make sales, whether it #8217;s themselves (costing them time) or someone else working for them (costing them money.)
Online marketing is also becoming a richer industry because more and more people are coming online each year to make their lives easier. Tens of billions of dollars are spent online each year. The amount spent will keep growing each year for the foreseeable future, as Internet marketing isn #8217;t likely to go away or be surpassed by anything anytime soon. This is evident by the growing number of emails we get in our inboxes on how to solve every problem we have, from Internet marketing to weight loss.
Thanks to Internet marketing #8217;s accessibility to every one with an Internet connection, lower costs of doing business, and quicker delivery of products, it has become the #8220;direct response marketing #8221; of the 21st century.
Ralf Skirr
Ralf Skirr has recently published #8216;Triple Your Sales #8217;, a special report on how to turn your web site visitors into paying customers. Go to, get a free copy of this new internet marketing report, and learn how to make more online sales.
Tags: Advent Of The Internet, Appetite, Business Offline, Came, Click Of A Button, Dawn, Direct, Direct Response Marketing, Download Area, Emergence, Instant Information, Internet, Internet Marketers, Internet Marketing, Mail Address, Marketer, Marketing, Mp3 Files, Postal Mail, Prospects, Response, Sales Letters, Snail Mail, Software Programs, Those Letters Posted in Internet Marketing | No Comments #187;

Guerilla Marketing And The Key Tactics To New Business Marketing And Advertising
February 13th, 2010
No matter what type of business you own, you are constantly trying to find the best ways to get your name out there and promote your product. In today\ #8217;s competitive marketing world, unless you can drop a million dollars on a 30 second commercial, you need to be more creative and devise your own cheaper methods of product promotion. Guerilla Marketing is just one of the newer unconventional tactics used in marketing today. Most sources define Guerrilla marketing as an unconventional system of promotions that relies on time, energy and imagination rather than a big marketing budget. Typically, guerrilla marketing tactics are rare and unconventional by targeting consumers in the most unexpected locations and circumstances.
The main objective in any type of marketing plan is to get your product and name in front of as many potential customers as possible. In the past the thought process was to spend the majority of your marketing budget on television and radio commercials, print, or billboard advertisement. However nowadays in a world that fast forwards through commercials or constantly checks caller ID to avoid telemarketers, tactics such as guerilla marketing need to be implemented in any successful marketing plan. Here are just some examples of guerilla marketing tactics that may useful to any business looking to gain attention without breaking their budget:
1. Planting Your Business Card: People love to browse through magazines so why not stick your business card in any magazine that is related to your customer base. In other words, my company sells car parts, therefore putting my business card in any type of car magazine assures me that anyone who opens that magazine and sees my card fall out is a potential customer. Besides book or magazine stores, planting your business card in unique spots such as restaurant menus, bus windows, park benches, or anywhere your card can attract someone who is seated for a long period of time is a great place to start.
2. Tissue Pack Marketing: purchasing small tissue packets with your logo or product on them is a fool proof way to have people hold on to or keep your information because it is useful to them. Every time they pull out another tissue they are reminded of your product, not too mention every time they give a tissue to someone else it creates a buzz and spreads the word.
3. Utilizing Magnets: Even the most satisfied customer will forget who you are unless you can somehow constantly remind them of your service. Therefore giving away business card size magnets with every order will allow a satisfied customer to stick your information on their fridge or desk as a reminder to use you again. It is very minimal in cost, but also very effective! While you\ #8217;re at it to take guerilla marketing even further keep a stack of magnets with you at all times and stick them on any metallic areas that would draw a good customer base #8230; #8230;nothing illegal of course!
4. T-shirt Marketing: Get a T-shirt made with your website\ #8217;s logo or website on it. Give away these t-shirts to deserving customers, not only will you have a happy thankful customer, but now you just created your own walking billboard.
5. Bumper Stickers: Stickers are always great because they can go anywhere, not just on your car. Bathroom stalls, benches, signs, street poles, etc #8230; Get creative with where you place them. Areas where people will be situated for long amounts of time are a great place to start!
6. Blanketing the Web: Marketing is all about reaching and contacting as many people as possible, therefore joining any and all social networking sites can get you in front of thousands of people in a very short time. Sites such as Facebook ,MySpace, or any social blogs are key networking sites where the snowball effect can result in your customer audience expanding on a daily basis. The key to social networking is constant contact as well as constant content. Stay in touch with your customers, and never stop adding content.
There is no limit to the unconventional tactics of guerilla marketing, and almost any idea is worth looking into. People love creativity when being pitched a product, and the marketing ideas that seem to create the most buzz are not from old school conventional marketing but out of the box pitch techniques. It is a fast pace world where people no longer find the time to sit through commercials or look through newspaper ads. You need to use new and creative tactics without breaking your marketing bank in order to turn your small business into a large player!
FCP Groton is one of the leading worldwide automotive distributors on the web. For more information on FCP Groton and quality car part prices, please visit:
Max Rossi
Max Rossi is the senior content editor for FCP Groton, LLC #8211; Worldwide Automotive Parts Distributor. As a former teacher who held all provisional certifications, he now uses his skills in education to assist a rapidly emerging dot com.
Tags: Advertising, Billboard Advertisement, Bus Windows, Business, Business Card, Business Marketing, Car Magazine, Competitive Marketing, Guerilla, Guerilla Marketing Tactics, Guerrilla Marketing Tactics, Main Objective, Marketing, Marketing Budget, Matter What Type, Park Benches, Product Promotion, Radio Commercials, Restaurant Menus, Successful Marketing Plan, Tactics, Telemarketers, Television Commercials, Thought Process, Time Energy Posted in Business Marketing | No Comments #187;

Affiliate Marketing: How To Choose The Right Domain Name
February 13th, 2010
embed #13;Affiliate Marketing Question: Any helpful hints on choosing a domain name? Internet Marketing Show For Newbie Comment box has been disable to prevent people from asking a questions here. We like to have it centralized in one location to prevent duplicate questions. If you want to ask us questions in regards to affiliate marketing or internet marketing, please go to http Choosing a domain name checklist: -Always choose quot;.com quot; -Register all combinations -Keep it short -Use business related terms -Avoid using numbers Choosing a domain name tool link: Affiliate Marketing is the fastest and easiest way to getting started online. It #39;s as simple as pitching someone else #39;s product and you get the largest cut. How can we help you? Simple ask us your question and we answer it. With our library of answers, we help you build your online empire from the ground up. Simply visit the link below to get started. Internet Marketing Show For Newbies How 3 Minute Affiliate Works? YOU ASK #8211; us any question to help you get started online. WE ANSWER #8211; your question in 3 minutes or less. YOU DISCOVER #8211; the world of affiliate marketing. Get started now at http affiliate marketing internet marketing affiliate internet marketing internet affiliate marketing affiliate marketing program affiliate marketing business online affiliate marketing affiliate marketing network affiliate marketing programs best affiliate marketing affiliate marketing for beginners affiliate marketing for newbies
Tags: Affiliate, Affiliate Internet, Affiliate Marketing Network, Affiliate Marketing Program, Affiliate Marketing Programs, Affiliate Program, Business Online, Choose, Combinations, Domain, Domain Affiliate, Domain Name, Empire, Helpful Hints, Internet Affiliate Marketing, Marketing, Marketing Affiliate Marketing, Marketing Internet Marketing, Marketing Online, Name, Network Affiliate, Network Marketing, Newbies, Online Marketing, Program Affiliate, Right Posted in Affiliate Marketing | 2 Comments #187;
Internet Marketing a Technological Breakthrough to Earn Big Cash!
February 12th, 2010
The journey of a thousand miles begins with a step, so it is for every business. There is always a starting point. Before any reasonable man venture into any business their re always many things he put into considerations. Like analyzing the environment, the capital, risk, profit, man power and so on.
#13;I want to narrow the nature of business am discussing here to internet marketing business. While you are digesting this article thousands if not millions of people around the globe have taken a giant step towards owning their own profitable home business. Over seven thousands are joining weekly. Internet marketing business has increasingly become popular yet many are still skeptical about starting one due to experience and other various reasons.
#13;How about if I tell you that you can actually start a highly profitable business online without a start-up capital and risk free even better a global business you can successfully operate from over 210 countries and from the comfort of your home provided you have internet access. FREE business tools and exclusive tutorial worth over $295 have been provided for amateurs, so you have no excuse to fail and probably the only business you can earn money while learning.
#13;Many people have signed up for opportunity like these, they hang around a little and jump to a premature and often incorrect conclusion that this business doesn #8217;t work. #13;It doesn #8217;t work that way. For me it took me almost seven month to earn my first commission which was only $56.89 and after then it kept increasing month after month.
#13;Let me give you brief information of how things work. First you must sign up for a FREE account of #8220;Secret of Internet Millionaires #8221;. Go ahead and confirm your registration and a user name will be email to your inbox. Log into the website following the instruction you will receive. A sponsor will contact you immediately after your confirmation is received, he will be your guide. Don #8217;t give your self false hope; see your first six months as a training period. In other words you will be paid commission after any sales is generated. Further information will be made available upon signing up.
#13;What Others Are Saying:
#13; #8221;SFI offers the perfect opportunity for a disabled veteran, like myself, to add to my monthly income. I think that this is the best system that I have found to produce an income that will be both growing steadily. I am looking forward to building my network and building residual income with SFI. #8221;
#13;Glenn Simmons #13;TN, UNITED STATES
#13; #8221;I have found something at last that has and is proving itself organizationally and materially. I could hardly believe the advance SFI commission checks being sent to me after only the first few weeks [after joining the program]. The sky is the limit. #8221;
#13;Byron Trask #13;AZ, UNITED STATES
#13; #8221;The idea and construction of the SFI network is so simple, it #8217;s ingenious. I am already off to a great start and am looking forward to the future. #8220;
#13;Greg Miller #13;CO, UNITED STATES
John Benjamin.O
John Benjamin is the author of #8220;Internet Marketing A Technological Breakthrough to Earn Big Cash! #8221;. To get started visit
Tags: Amateurs, Breakthrough, Business Online, Capital Risk, Cash, Confirmation, Earn, Excuse, Free Business Tools, Giant Step, Global Business, Incorrect Conclusion, Internet, Internet Millionaires, Journey Of A Thousand Miles, Man Power, Many Things, Marketing, Nature Of Business, Profitable Business, Profitable Home Business, Reasonable Man, Start Up Capital, Technological, Technological Breakthrough, Weekly Internet Marketing Posted in Marketing Jobs | No Comments #187;

Make A Lens On Squidoo To Boost Your Internet Marketing
February 12th, 2010
Squidoo has been part of the new Web 2.0 category of internet marketing tools since 2005. Squidoo allows an author to create a lens, a one page website, which focuses on any subject for free. A particular lens can draw information from numerous sources and place it all on one page for easy viewing and reading.
A lens maker can create numerous lenses on a subject, focusing attention on a different aspect of the subject with each lens. On the other had, a lens maker can make numerous lenses that cover many different topics, reflecting the lens makers #8217; different interests and expertise.
Internet Marketing
One of the many good uses for Squidoo lenses is to use the lens as part of an overall internet marketing strategy. One or more good lenses can help to bring attention, traffic, and credibility to a product or business by providing valuable information and resources. Additionally, the lens can help to establish the author as an expert in their field and a person whose advice should be taken seriously.
The single page websites that Squidoo allows an author to create are called lenses because the finished website focuses on a single subject or idea. This focused attention on a subject is very attractive to users of the internet who are constantly searching for answers to questions or problems. The internet search engines whose job it is to find good, focused websites that will answer the questions or problems are attracted to the lenses.
Therefore, the use of Squidoo lenses has become a valuable internet resource for building and marketing a business.
Basic Modules
There are numerous tools available on Squidoo to build a lens. Most of these tools are called modules. The modules create separate sections on the overall web page. Other tools available on Squidoo include the author #8217;s biographical area, a keyword list called tags, the lens title or headline, a lensroll, and RSS subscription for readers.
One of the basic modules allows the author to write short articles about various aspects of the lens #8217;s subject. Another basic module makes it easy to list and describe appropriate links to offsite information that complements the subject of the lens. For internet marketing purposes the author can use these basic modules to link to their own websites, thereby driving traffic to their own business.
Other basic modules provide links to commercial internet resources such as eBay, Amazon, Starbucks, CompUSA, and many other businesses where the reader can be directed to the author #8217;s own merchandise offerings or to merchandise and information that supports the author #8217;s own business. These modules can also provide some income, as the lens maker earns a small percentage of the sales of merchandise on these commercial websites.
Interactive Modules
Many modules are interactive in nature, which is why Squidoo is considered to be part of the new Web 2.0 category of interactive websites. Readers can respond to many of the modules, adding their own favorites to certain categories. For example, readers can add their favorite YouTube videos to the list of videos on the lens or add their favorite pictures to the lens #8217;s list. Additionally, readers can add their favorite links to a list of links that the author has provided on the lens, or they can add their comments or responses to questions asked by the lens #8217;s author. One of the favorite interactive modules is the voting module where readers can vote on a question by the lens #8217;s author or vote on a listing of favorite resources.
All of the interactive modules have the effect of creating new content for the lens. The benefit to the lens maker is that the new lens content makes their lens more searchable by the many internet search engines. This is an obvious boost to the lens maker #8217;s overall internet marketing strategy.
Syndicated Content Modules
Another category of modules is that of syndicated content that is drawn from other websites. For example, if the lens maker has a blog on the same subject as his lens, he can have the blog posts automatically directed to the lens each time he creates a new blog post. Other types of syndicated content include articles from magazines and newspapers.
The lens maker can automatically draw content related to the subject of the lens each time a new article appears in the specified periodicals. Similar to reader interactivity, this constantly changing syndicated content refreshes the lens on a regular basis, making it more attractive to the internet search engines and giving a boost to the lens maker #8217;s internet marketing efforts.
Creating a Squidoo lens can be fun as well as wise. It is fun because the tools produce a lens with a wide range of variety and creativity. And it is wise because the lens will help the lens maker market their business more successfully.
Kevin Sinclair
Kevin Sinclair is the publisher and editor of, a site that provides information and articles on how to succeed in your own home or small business.
Tags: Advice, Answers To Questions, Boost, Credibility, Finished Website, Internet, Internet Marketing Strategy, Internet Marketing Tools, Internet Resource, Internet Search Engines, Internet Strategy, Internet Tools, Job Find, Keyword List, Lens, Lens Maker, Marketing, Marketing Business, Page Websites, Providing Valuable Information, Squidoo, Traffic Posted in Internet Marketing Tools | No Comments #187;

Should I start a Network Marketing Career?
February 12th, 2010
Network Marketing is a business model that can lead to a fulfilling career and a retirement style income. Before embarking on a this path, do consider the following:
1) Your Own Mindset
People fail in MLM when they do not develop a positive hardworking mindset. This not only applies to MLM, but anything worth achieving in life. We only achieve when we are PASSIONATE about what we do. Passion makes our actions laser focused to hit our targets.
2) Attitude
A good mindset leads to a positive attitude. When something does not go our way, we should learn from the results and not blame someone or the company from it. We may not have control over the Network Marketing company, or whether or not our MLM sponsor supports us, but we can chart our own path and control our own destiny.
One can take various action by staying with the company, put one #8217;s best attitude forward and succeed with the company #8217;s system, signup again under a better sponsor, or opt out and do something different. Our mindset, actions, destiny are ours to decide.
3) The Sponsor
It is important to start off with a good sponsor at the beginning. This is because the initial months usually decide whether or not the new enrollee will stay in the business. Some people may feel unhappy that their sponsor did not contribute to them, left them in the lurch or are simply piggy backing of their downline #8217;s efforts without contributing to their success and learning process. Search for a strong team and sponsor focused on the MLM business you are keen in, before joining the team. A strong sponsor will impart all the right skills for you to achieve a retirement style income.
4) Network Marketing Company #8217;s Duplication System.
The Network Marketing business model builds on the principle of duplication. It is important to note that these systems do not necessarily set you up for success. People join these companies thinking that if they follow these steps, they will be set up for massive profits, which is not entirely true since not everyone can naturally follow the same practices.
Such systems involve the following:
-Make a friends list and contact them
-3 foot rule. Use DVDs and CDs, go up to anyone within 3 feet and give them the Network Marketing DVD and CD
-Buy Leads and cold call
-Invite prospects to seminars and allow the seminars to sell your prospects on the Network Marketing business model
-Train yourself to be numb to rejection and hear ten #8220;no #8217;s #8221; before you hear a #8220;yes #8221;
Do people really make BIG money following these Network Marketing practices?
Yes. And I also know many who don #8217;t and struggle to talk to prospects, bring family and friends to seminars and functions.
An alternative way to the traditional Network Marketing Business model involves harnessing the power of the INTERNET and no cold calling. To build a successful Internet Network Marketing business model, one needs to learn the techniques required to harness leads on auto pilot, then guide these prospects into duplicating the same success on the Internet.
Sherman Choo
Sherman Choo is an Internet Marketer helping people all over the globe achieve Financial Freedom. To discover the perfect Internet Network Marketing business model that has helped thousands make money online and find out if this Internet Home Business is right for you. Visit== gt;
Tags: Business Model, Career, Downline, Duplication System, Lurch, Marketing, Marketing Career, Marketing Network, Massive Profits, Mindset, Mlm Business, Mlm Sponsor, Network, Network Marketing Business, Network Marketing Company, Own Destiny, Passion, Piggy Backing, Positive Attitude, Principle, Retirement Income, S System, Should, Start, Targets Posted in Network Marketing | No Comments #187;

Florida Mortgage: Wake Up Call
February 12th, 2010
No Exaggeration
There are a staggering number of Florida mortgage customers that will be impacted by the changes in the mortgage industry. Maybe you have heard that twenty percent of all homes purchased nationwide in recent years were purchased using subprime mortgage products. The Florida real estate market is one of the most active in the country and the percentage of subprime mortgages utilized here in the last five years is over twenty-five percent. These subprime products, although not entirely extinct yet, are vanishing at an accelerating pace. What are the implications?
Sorry, No Refinance For You
If you are one of the millions of Florida mortgage customers that purchased homes using a subprime mortgage it is time to examine your situation. Most subprime mortgages have adjustable rate features. The most typical subprime product is fixed for a period of two years before it adjusts. Some are timed to adjust after three years. Do you have an adjustable rate mortgage? Do you know when it will adjust? Will you be able to afford the higher payment? If you used subprime financing to purchase your home and your situation has not improved enough to allow you to qualify for a conventional mortgage you may not be able to refinance. If you cannot afford your new adjusted payment and you cannot qualify for a refinance, what will you do?
The Spillover Effect
Subprime borrowers are not alone in their quandary. As the subprime mortgage market has shut down, lenders that offered creative financing options to prime borrowers have begun to rethink their product line. Stated income programs, also known as SISA, or no-income verification mortgages are in danger of extinction as well. Guidelines are being tightened daily. Of some additional concern are the possible actions of the States who have begun to discuss banning these mortgage products within their borders. This has not occurred in Florida, but given the recent upswing in mortgage defaults, it is conceivable.
The Florida Prime Mortgage Market Impact
I’m thinking of all of the prime Florida mortgage customers, even those with exemplary scores in the seven hundred plus range that utilized SISA or no-doc programs in the past. As a Florida mortgage broker I can attest to the popularity of these products among my customers. I can’t predict the impact of the elimination of these prime products, but at the very least these borrowers will face considerably more paperwork when they apply for a mortgage. In some cases these borrowers may no longer qualify for financing at all. I do expect, however, that mortgage lenders will find a way to continue to offer some form of low-doc financing options to borrowers with excellent credit.
He Who Hesitates is Lost
Do yourself a big favor. Take action today. Take a close look at your situation. Pull out your mortgage note if you need to. Figure out when your mortgage will adjust. Should you refinance right now while there are still mortgage programs that will accommodate your credit and income profile? Call your friendly Florida mortgage broker and have a chat. I promise you that there is some action that you can take today to make sure that there is a reasonable solution tomorrow.
Credit Repair
Credit repair is entirely legal and often underestimated. Most borrowers that are relegated to the subprime category have credit issues. Without exception, every credit impaired subprime borrower can take action to improve their credit and graduate into a prime borrower class. How is your credit? If you have had credit issues in the past it is essential to become pro-active about your credit. Please, please, never imagine that there is nothing that you can do about your credit. Too many people simply give up on themselves. A bit of attention could very well mean a one hundred point improvement in your credit score and a whole new outlook on life. Don’t doubt. Speak to a credit repair professional.
Knowledge is Power
Whatever your situation in life you will always be better off truly knowing the facts as well as your options. Everyday is an opportunity to turn your situation around. Pick up the phone. Call your Florida mortgage broker or a credit repair expert. Ask questions. Almost every reputable financial professional offers a free consultation. Take advantage. Learn something new everyday. You will, without fail, discover that you have infinitely more control over your future than you thought. Invest some time in your own life. That investment will pay amazing dividends.
Copyright © 2007 James W. Kemish. All Content. All Rights Reserved.
Jim Kemish
Jim Kemish is the president of Power Mortgage Corp. located in Delray Beach, Florida. Power Mortgage is a Florida mortgage broker doing business in Florida, Georgia, Massachusetts, and Virginia. Jim is also the President of Sky Blue Credit, a national credit repair and restoration business.
Tags: Adjustable Rate Mortgage, Call, Conventional Mortgage, Creative Financing, Danger Of Extinction, Exaggeration, Financing Options, Florida, Florida Mortgage, Florida Real Estate, Income Verification, Mortgage, Mortgage Customers, Mortgage Industry, Mortgage Products, No Income Verification Mortgages, Quandary, Sisa, Spillover Effect, Staggering Number, Subprime Borrowers, Subprime Mortgage Market, Subprime Mortgages, Wake Posted in Mortgage Marketing | No Comments #187;

Internet Marketing tips
February 12th, 2010
embed #13; Small business owner asks questions about promoting her business in Internet. Experienced Internet Marketing woman answers.
Tags: Business Internet, Business Marketing, Internet, Internet Marketing, Internet Tips, Marketing, Marketing Tips, Small Business Owner, Tips, Woman Answers Posted in Marketing Tips | 5 Comments #187;
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