Selasa, 31 Maret 2009

Marketing in a Financial Meltdown

Closing a sale today is harder than ever.

People have no money to buy, no need to buy except for the basics, and no urgency to buy. In fact, the present financial climate creates fear about buying.

When it comes to you and your product, people's fear and doubt trump your credibility. How can you tip the scales in your favor? Here is a plan that will do just that.

Prospect. Go where buyers hang out and identify qualified prospects who can buy. This is true in everything from real estate to ebooks. Identify the buyers, not the lookers. The lookers will waste your time, but the buyers will make your day.

Establish credibility. Raise the bar for your customers by proving your trustworthiness. Make them feel safe. Give them guarantees and testimonials. It is even better to be trusted than it is to be liked.

Identify the need. Put aside the debate over wants and needs for the moment, for everything the heart craves is a need. The heart is the decision maker and the head provides the reason for the purchase. What is the need your customers have that can be sensationally satisfied by your product?

Inform and reassure. Present the information in a truthful and compelling way and prepare yourself for objections. Be proactive and deflate objections with facts, testimonials and examples.

Close the sale. Present a call to action, tell customers what to do next, where to go to get it, and how to access the purchase. If you have made a compelling case, you can ask for the compensation!

Prepare for resales. Many products are not a one-time purchase, even if the customers go years between buying times, as in the purchase of a house or car. Maintain contact with customers in a low-key, friendly, helpful way so they will retrace his steps and buy from you again.

Ask for referrals. Referrals are warm sales, easier to heat up than cold sales are. A level of trust has been transferred to the new prospect from the old. The new ones know something positive about you from the first, and they are inclined to purchase through you. This customer is perhaps the easiest to close with.

There is the plan for even the most dire of times. Work it and win success.

Sabtu, 28 Maret 2009

Looking For Lake Property in North Carolina?

There's Nothing Better Than Living Along The Lake - The water draws us in with its promise of peaceful times and recreational family fun. To own property beside it is a dream for many. And the Southeastern part of the United States has the waterfront property in the highest demand. To help you investigate this part of the region and make a sound waterfront investment, we founded NClakefront Realty.

About NClakefront Realty - If you're looking for property in a lakefront community in North Carolina, you've come to the right place: NClakefront Realty. We work with many developers throughout the state to help families, like yours, find just the right property. We are committed to creating places where the wonders of nature combine with everyday life. Our professional staff will provide a pressure-free experience and guide you through the process of purchasing property. Our reputation for service and attention to detail are clearly evident both during and after the sale.

The process of searching for just the right property can be done at a pace that is comfortable to you. Best of all, you can buy your homesite now and build when you're ready. We can even help you choose a custom builder.

Rabu, 18 Maret 2009

How Will Dubai Be Affected by Its Growing Property Market

Dubai, located in the Middle East, has invited foreign parties to invest in real estate since 2002. Since that time, interest and investment in Dubai property has been phenomenal, leading to a 79% increase in property prices since the start of 2007, according to Morgan Stanley, a global financial services firm.

So up until very recently, the growing property market has seemed to be nothing but pure bliss for Dubai. The money has been coming in buckets, the work has been plentiful, and the dreams for a bright future have been increasing for its inhabitants.

If things continued to grow the same way, it would be nearly a Utopian society. Everyone would be able to obtain a livable wage and take care of themselves and family. People would steadily earn more income, and since things were going well, would probably continue to re-invest their money in Dubai. It would be a positive cycle benefitting everyone.

For some time now, the rising oil and gas prices in the rest of the world have made for happy times in Dubai. But now, it is catching up even with them. The rising prices of gas and oil affects even the supplies that Dubai needs to continue its property market growth. Importing these supplies, with inflated prices due to those oil prices, is now eating into Dubai wallets.

Utopia will have to wait.

This is not to say that things are critical. There are still many benefits for the citizens of Dubai. Increased tourism and investment in property is still helping to keep people employed, thereby keeping food on the table and dreams alive. But Dubai will soon need to figure out how to stabilize their market.

If Dubai were to continue to grow and grow, they would soon find that some do not like living in an area with that much population. People will move further and further out until they're not in Dubai at all. Therefore, they will need to know when to say when.

Knowing where to draw the line is difficult, especially when it feels as though you're riding a tidal wave of money. Knowing, also, how to level off when things start to fall is difficult and requires planning now.

Since the property market in Dubai has recently experienced a bit of a cooling period, realtors and other property investors are now coming up with strategies to prevent a full-out property bust, akin to what happened in Singapore's property market in the 1990s (it fell 80% in only 18 months!).

Dubai is looking at tax strategies to keep investors longer-term, require buyers to keep their properties for a minimum amount of time before trying to re-sell them, and some are looking more at leasing and renting as options to continue to bring in profit for the region.

Changes will also soon come to Dubai's mortgage laws, as announced in August 2008. These changes are also meant to bring stability to Dubai in the coming years.

Despite changes, the world will be watching Dubai carefully over the next several years to see if what's hot now continues to stay hot, or cools and crumbles.

Minggu, 15 Maret 2009

Financial investments

Financial investments come in many shapes, sizes, colors and flavors for example /www.bryantsuretybonds.com/>surety bonds. There are so many different options available today, that sometimes it can be very difficult to discover which is the best one for you. Most everyone is looking for an investment that will provide a high rate of return, however, the largest difference is whether that rate of return needs to accumulate quickly, or can be stretched out over a longer period of time. This is typically the first thing that a good financial planner will look at when devising a strategy for investments. Short term, high yield investments are normally found in stock market or options investing. While this can provide a high monetary reward in a short amount of time, it also comes with substantial risks. Stocks and options investing are a very popular way to gain a fast return, as long as you aren't investing more than what you might be prepared to loose.

Long term investments are much more common. These come in a lower risk, longer yield package, and contain accounts that many of us are much more familiar with, such as mutual funds, certificates of deposit and government insured bonds. While these do take a longer time to mature and show profit, they are highly recommended for the conservative investor. One overlooked method of investment, however, has become annuities and whole life insurance policies. While these provide benefits and a hedge against rising costs of funerals and other expenses incurred with passing on, there are some added benefits in looking into these investments.

Most annuities and life insurance policies have a portion of the premium invested and reinvested in stocks real estate accounts, meaning that you have a protected investment while gaining higher yields investing in the stock market. This can mean a larger accumulation over time, and providing you a hedge against retirement or college savings costs. No matter what the verdict is on the perfect way to save your money, it is advisable to become educated and do research on the various financial investments available. Knowing the pros and cons of each will help you to develop a successful investment strategy that will pay dividends over time.

Kamis, 12 Maret 2009

Why Release Equity From Your Home? Can it Ease Financial Pressure?

Equity release is the process by which people who are over 55 years of age are able to unlock equity in their home, subject to meeting the lender's criteria. This can be done either through a lifetime mortgage, where you receive a lump sum or a regular income while interest 'rolls up' or through a home reversion scheme, where a company buys all or part of your home and you receive the proceeds as a lump sum, regular income or a combination of both. Both schemes come with 'no negative equity guarantees' and the monies are repayable upon the death of the owner, or second owner if there are two.

There are a huge variety of products available that are becoming more innovative and complex so it is vital that you use a suitably experienced independent financial advisor and solicitor to guide you through the process.

Nowadays people heading toward retirement are finding out that they don't have enough cash to live on or to live the kind of lifestyle they would like, even though they own their house outright. For an increasing number of them, equity release may have to be considered as an option to supplement their income or, given the current credit crunch, to consolidate debts - but it is important to note that it should only be used as a last resort, having looked at all the alternatives first.

So what has changed about releasing equity from your home? Firstly, there has been a concerted attempt to clean up the industry through the instigation of a voluntary code of conduct policed by SHIP (Safe Home Income Plans). Secondly, there are many new products available today that were not previously. For example one UK law firm has launched a new service designed to assist older people through the equity release process by introducing the option of a home visit if the clients are unable to attend their offices. The firm has recognised the value in face to face meetings in an area where clients are potentially vulnerable and it marks a return to more traditional levels of service, having seen an era where residential property matters are frequently dealt with remotely by post and email.

As well as offering the option of meeting in the comfort of their own home, the service also ensures that the home owner fully understands the legal process as well as the risks and implications of entering into the equity release. The lawyer will also ensure that the financial advisor has covered all of the key areas in their 'suitability report' which will help inspire confidence in the process.

However, the real message is that anyone considering equity release should still think very carefully before making this decision; have you consulted with your children or beneficiaries of your estate? Do you know whether it will impact upon your tax position or welfare benefits? Are you aware of the consequences if you entered residential care? Have you been made aware that most of your equity could be eaten up which reduces flexibility in the future? Could you raise the funds through a grant, gift from a family member or could you afford an interest only mortgage? A good financial advisor will cover all of this and more, and by working alongside a solicitor with a proven track record in the equity release field you will be able to make an informed decision.

Equity release has had some bad press in the past, and it is certainly not the answer for everyone but if you take your time to peruse a few of the very helpful information web sites and take advice from the right people you will know whether equity release is the solution for you.

This article is free to republish provided the authors resource box below remains intact.

Senin, 09 Maret 2009

How & Why Marketing Is The Key To Selling Your Home

If you've decided to sell your home, it's important that you understand how to make your home sell by marketing. Marketing is the term used in order to bring attention to your home.

There are several ways to market your home, you can market it yourself, or you can hire an agent. There are also Internet marketing plans, real estate marketing plans, newspaper plans and a variety of other marketing ideas in order to get your home noticed. The whole point with marketing is to allow people to understand that your house is for sale.

Make sure if you plan to market your home yourself that you understand how advertising can affect the sale of your home. Good advertising will paint a great picture of your house, bad advertising will be discouraging to future buyers. It's important that you understand how words that describe your house leave a feeling with people have home. If you're not familiar with advertising and the way words work, perhaps getting a professional to help you put the advertisements together can help.

There are plenty of real estate professionals out there that are selling homes on a regular basis. Look for a real estate professional that understands marketing, understands the market your home is in, knows the location, and knows prospective buyers who may be looking for a home such as yours. It's important that your real estate agent communicate well with you.

Your real estate agent can help you sell your house by making suggestions on improvements that may not cost a lot, but can make your house more attractive to buyers. This is all a part of marketing. If you have the exterior of your home that doesn't look clean, neat, and organized, taking a few steps to make it look better can market your house better.

Drive-bys are one-way people discover homes for sale. Without curb appeal, or your home looking it's best from the exterior, you're missing out on good marketing plans. Your real estate agent can make a few suggestions as to how to increase your curb appeal.

Don't forget simple marketing plans such as newspaper ads and drive-by signs. You'll be amazed at how many people who may just stop by with an open house sign down the road from your house. Make sure that the signs are in easily seen areas and give clear directions to your home. Whether they stop by or not, drive-bys are great way to advertise your home for sale.

When it comes to how to make your home sell, you need to be familiar with marketing plans. Either hire a real estate professional or study different plans that may be available. Your marketing plan on how to sell your home can be as simple as newspaper advertisements and drive-by signs, or as complex as a nationwide marketing plan. It's all up to you and how you want to make your home sell.

Selasa, 03 Maret 2009

If You Can't Sell Your Home, Then This Could Be The Solution

If you've decided to sell your home, you need to understand how to make your home sell with a listing contract. There are several different types of agreements that can be made between a real estate agent and the owner of a home. It's important that you understand how these listing agreements work, how they can affect your home sale, and how they are being used in daily marketing plans.

There are different types of listing contracts that are used, and an open listing is generally used for those people working with real estate agents. It gives the rights to show your home, states the amount of commission, and is not usually an exclusive or bonding contract. The downside of an open listing contract is that your real estate agent may not be as avid a marketer and may not advertise your home as much as they would if they had an exclusive listing.

A 1-time show or a one-time listing contract is very similar to the open listing contract. It's used by those trying to sell their home themselves, and may be involving a real estate agent for a single homebuyer. Basically, it identifies the fee and guarantees the real estate agent a commission if the single buyer purchases the home.

It doesn't give you a lot of advertising, nor does it have the agent marketing your home on a regular basis, but if you haven't had good action by selling your home yourself, and have been approached by an agent with a possible buyer, it might be worth it.

An exclusive real estate agency listing contract is just that, exclusive. It may involve a listing broker or a real estate agency, but basically, if the real estate professional brings the buyer into the sale of your home, they're going to be paid a commission. But if you find your own purchaser without the help of the agent, you won't owe a commission, this type of contract is a popular one with real estate agents.

An exclusive real estate agency listing is going to give you the best marketing plan in order to sell your home. The agent has exclusive rights to bring buyers into the purchase market of your home. This allows them to proceed with a marketing campaign knowing that they're going to receive a commission for the money they put out for advertising.

For those people who are unfamiliar with home sales, getting a real estate listing contract in order to find out how to sell your home, is one way to have a professional handle the sale, marketing campaign, as well as bring purchasers into your home and can actually get your home sold quicker.