Mortgage Lead Companies, The Right One for You.

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If you are a loan officer or mortgage broker on the market for mortgage leads, you will have a few different varieties to choose from.

For starters, your budget is the most important thing to consider. If you are on a limited budget, you will need to take a look at the lead companies that allow for low minimum deposits to get you started.

In the mortgage lead industry, a low minimum deposit is considered to be around $100.00.

The two most common leads out there are known as exclusive and non exclusive leads.

Exclusive leads are sold only one time. The lead will go to you and to you only.

Non exclusive leads are sold up to five times on average by mortgage lead companies. So if you are going to buy your leads non exclusively, be prepared to compete with other loan officers.

One of the most popular methods of buying mortgage leads is to cherry pick your leads. Cherry picking your leads allows for you to look at the lead before you purchase it.

Real time leads are another popular type of lead to buy. Real time leads are delivered via a streamline process to your e-mail box.

It works like this . . .

You open up an account with a real time lead company and set up a filter specific to the type of lead you are looking for. Lead type, ltv, loan amount, credit rating, specific state, etc.

Once a lead comes in matching your filter scenario, it is delivered to you via e-mail. The lead arrives in your e-mail box literally seconds after the customer submits their on-line application.

The benefit to buying real time leads is that you can count on the quality because the lead is fresh.

Try to steer clear of recycled leads, or what is better known in the mortgage industry among loan officers as junk leads.

These leads are bought and sold from one lead company to the next, than sold to loan officers at a profit.

The chances of turning a junk lead into a loan are slim to none, so stay away from these types of leads.

Perhaps the best way for you to determine the best lead company for you is to do your research. Speak with someone in customer service and ask a lot of specific questions. If you are not happy with the customer service or the answers you get to your questions, than more than likely you wont like the leads.

See, Multiple Streams Of Income Gold!

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See”multiple streams of income ARE gold”or golden. With the economy the way it is today, making financial ends meet can be challenging. One way I have stayed two steps ahead of the game is by not having all my financial eggs in one basket. For the last thirteen years I have been working from my home and out of my home, for several different sources bringing in multiple streams of income. Doing it this way has allowed me to stay ahead of the bill collectors, while at the same time affording me time with my husband, children, extended family, and pets. What can a person do”you may ask? Here are some ideas:

*Write for Greeting Card Companies (Freelance).
*Work from home as a Solicitor for Charity Pick-Up Services.
*Become an Independent Merchandiser.
*Work as a Personal Assistant to the Blind as a Shopper or Driver.
*Work for Cleaning Services for Commercial Buildings at night.
*Work as a Phone Actress.
Or My Personal favorite:

*Collect Gold and Silver Coins while Making Money at the same time.

OK, what are these gigs, and how does one go about finding them?

*Greeting Card Companies: To find companies hiring freelance writers” buy a reference book at your local bookstore, or find it at your local library, entitled: Writers Market Guide for 2010, or search Google, typing in: greeting card companies. Then look up or send for writers guidelines. To submit to these companies simply present your ideas on 3 x 5, or 4 x 6 index cards 12 at a time with a rubber band around them, placing your writing verse as so: on one side of the card write: Outside: your verse, Inside: your verse. Then on the back of the card write your name and contact info. This gig used to pay very little but now you can get up to $50.00 for one idea!

*Solicitor for Charity Pick-up Services: All States have charitable pick-up services that call citizens homes to solicit for old clothing, and small household items. They take those items and sell them at thrift stores and then use all or most of the proceeds to help charitable organizations. If you are aware of this, you can ask the person that calls you for a pick up if they have a number you can call to apply. Otherwise I”d suggest calling your local thrift stores and asking the manager if they know of one, or just look in your local yellow pages under charity pick-ups, or get the number off of the trucks you see doing these pick ups, and then call them to see if they hire people to work from home. You can make a good supplemental income doing this as well as feeling good about helping out a charity. When they hire you they will train you.

*Become an Independent Merchandiser: There are dozens of companies across the United States that contract their work to outside vendors. Those vendors will hire you to work for them independently and at your own pace, if you know where to find them. These are not work at home jobs, but flexible positions outside of the home. (Note: if you live in a small town you might have to drive to a larger neighboring town where there are more retail establishments) The companies don”t charge you to work for them; they are legitimate. You can find several positions close to your home to maximize your profits. These multiple streams of income help with holiday money, or just to make ends meet. I sent my son to an Ivy League college three years ago and these jobs helped me to make it until he got that scholarship; they were a God send. To find them look up NARMS on goolge.

*Work as a Personal Assistant to the Blind as a Shopper or Driver: This is a little known creative job niche that most people don”t think of. There are thousands of blind people across America that need personal shoppers, drivers, and or assistants. Because of their vulnerable state, they are wary to advertise due to lack of trust. They usually just network through friends and family to find help, but often times this is not enough and many of them are in dire need of hiring help. They have you shop for and label food items, pick out their clothes, clean their houses, drive, and even gift wrap and do crafts for them. Pay varies, but the word spreads and they tell their disabled friends about you. To find them: Google local blind centers, and blind website addresses, then email, or call the directors with your request.

*Work for Cleaning Services for Commercial Buildings at night: This is a very lucrative job that can be done a few times a week late in the day, at night, or on the weekends. It is possible to get several different jobs at the same time for more money. Basically you apply through a company, interview, and then try to get gigs near where you live. My favorite company is servicemasterclean.com, or smcleanbusiness.com, because they train you well and the pay is excellent.

*Work as a Phone Actress: This job is not for the modest or faint at heart. It is mostly an opportunity for women and gay men. You get paid weekly, bi-weekly or monthly by a company to talk to callers that dial in on a 900 number. They have seen an ad in their local paper and think they are calling a certain type of person, ex. skinny, fat, submissive, lonely ETC. You dial in on an 800 number and plug in your extension. Then you wait on the line and you get call after call. You just get paid to talk, but keep in mind the conversation may and often times, does go sexual. If you don”t mind that”the pay can be excellent, and you get to work from the comfort of your own home.

*Collect Gold and Silver coins while making money at the same time: Collect M70 high grade gold and silver coins monthly, and make money while doing it. This is a new business opportunity that has just come on the market. It is only ten months old as of April 2010, with only 8000 people involved so far. It is really a ground floor opportunity, and the possible money potential is off the chart. What could be better than to collect inflation proof assets for your family”s future and at the same time build a recurring monthly income that can reach 7 figures swiftly? This works on an automated system that takes maybe an hour of your time a week, once it is in place. For more on this “see my website in my Resource Box. Hope all this information will be as valuable to you as it has been for me. To your success!

Five Critical Steps to Be Customer Focused

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In todays highly technical and fast paced world one piece of advice is very true listen to the customer. Unfortunately, selling complex technical products or solutions (or anything else), causes most salespeople to focus on product features rather that on their benefits to the customer.

This product focused approach to sales is from the old school. It focused on specific features and benefits that would be of interest to a prospective customer. Salespeople would immediately commit to memory as many of these product features as possible.

After a dissertation on the associated benefits that went along with these product features, the prospect is suppose to sign on the dotted line because the salesperson certainly must have found a “hot-button” during this product review.

But something bizarre happens. The prospect is often overwhelmed by all the facts and technical data that has been dumped on him. When you sell only on product features, you leave yourself open to price shopping by your prospect.

The smarter method of selling that is much more effective is called customer focused selling. Simply stated customer focused selling is first finding out what the customer wants and then providing the solution for his or her situation. Sound simple, yet it is surprising how few salespeople practice this method. Perhaps its because they spend so much time learning about the hardware and software features they sell, that they would burst open if they couldnt tell their prospect all they know. Another reason is that salespeople sometimes (too often) would rather talk than listen to their prospect. Here are the five critical steps to be customer focused:
Customer focused selling means the customer does most of the talking. How does the customer do most of the talking? The salesperson must probe and ask open ended questions to determine the customers business needs and personal wins. Open-ended questions ask the listener for more specific information. Open ended questions begin with words like what, when, how, where, why, and when. They ask for peoples opinions, facts and feelings. They open the conversational door. Examples: “What results are looking for in a new supplier?” ” What makes that business issue so important to you?”
To get the prospect to be more receptive to your probes and questions, try to cushion it with a softening preamble. Try, “May I ask you a question? ” or, “In your opinion, what factors do you consider most important in selecting a new supplier?” Be creative and ask a few thought-provoking questions that will provide you with information about this person as well as facts about their company. Differentiate yourself from other salespeople by asking what important challenges the prospect is facing this year and how they differentiate their company from the competition.
Probe to understand the business issues that are most important to them. For example, a General Manager might say Improving Productivity is a top priority. Probe to see what makes that issue so important, exactly what “improving productivity” means to him or her. Once you understand the important issues facing your prospect, ask open-ended questions to uncover problems with their present system or approach and identify the benefits they need because these will become opportunities for you.
Then probe to find their personal win. The owner of the store on the corner dreams about the day her business will expand from 1 shop to 2. Then from 2 shops to 3, to 5, and more. Think about your dreams; where you are today and where you want to be next year? Your customers also have dreams about their businesses and their careers. Who knows? They know, and uncovering their dreams is a critical step in the customer-focused sales approach. If you can find their dream, you can identify their personal win. When you do, you can then bring together a “customer focused solution” that addresses their business issues. More importantly, your solution will help them fulfill their dreams.
Finally, it is vitally important to listen actively, take notes, provide feedback when your prospect is responding to your questions. All too often, salespeople will ask a good question, and then not listen to the answer. This hardly builds credibility and trust with the prospect. Salespeople can significantly improve their listening and establish credibility and trust faster by providing feedback that creates an agreeable atmosphere with their prospects. Asking material questions and then listening actively to your prospect is one of the best ways to avoid these problems and differentiate yourself from the “not-so-great” salespeople. Increasing your ability to probe and ask questions and then listening to the prospects answers provides you with the information you need to identify needs, goals and priorities. Armed with this information, you can create a “Customer Focused” solution that addresses your prospects issues. Good luck and good selling!!!

Go Online To Find Braided Rug Repair Anchorage And Rug Appraisals Alaska

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Beautification and decoration of our house is always on our minds and we want to do lot of new things in our house to make it even more beautiful. After doing up the interiors of your house it is not very easy to change the entire set up every time and it is equally important to take care of the things that you have. For repair of your carpets and rugs you must consider braided rug repair anchorage. We all know that these carpets and rugs are so expensive and just because of small repair requirements it cannot be changed. If you wish to use your rugs and carpets for a longer duration then these rug repair and sale service providers in anchorage and help you a lot.

You invest lot of money in buying these expensive carpets and rugs and this is why these need lot of maintenance and care. In case of small wear and tear you can consider rug appraisals Alaska as there you can easily get variety of services like cleaning and maintenance of your rugs along with their appraisal. Someone who offers rug appraisal also deals with these comprehensive services related to cleaning, maintenance and insurance claims of your carpets and rugs. If you are planning to buy new carpet or rug then these appraisals help you in knowing the real value of the product that you like to buy along with its origin, material and an approximate date when it was woven. These give you better product knowledge and help you in choosing the better product.

Rug appraisals Alaska service is offered free of cost for the new carpets that you buy from the seller and only a reliable seller can give you the true appraisals. Just like any other service provider it is very important to choose a good one for buying carpets just because you do not change them every day and you invest lot of money in them. While choosing a seller you must look at the other services that they offer. It is good to have just one company or the person to sort out all your issues related to cleaning, maintenance or repair.

You can now go online to find any good seller and braided rug repair anchorage. You must read about them and about the kind of feedback that they get from their customers. Internet has made things so easy when it comes to finding out about anyone or anything in the market.

How long does marijuana stay in your system

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Marijuana is a green, brown, or gray mixture of dried, shredded leaves, stems, seeds, and flowers of the hemp plant (Cannabis sativa). Cannabis is a term that refers to marijuana and other drugs made from the same plant. Other forms of cannabis include sinsemilla, hashish, and hash oil. All forms of cannabis are mind-altering (psychoactive) drugs. The main active chemical in marijuana is THC (delta-9-tetrahydrocannabinol).

How long does marijuana stay in your system? This question is asked by many different people, and for good reason. Marijuana (pot, herb, weed, grass) is the most commonly used and tested for drug in the United States and several other countries as well. Marijuanas effects on the user and detection time depend on its strength or potency, which is related to the amount of THC (Tetrahydrocannabinol) it contains.

When you ask the question How long does marijuana stay in your system? you need to take into account the fact that there is no simple answer to this question. THC (Tetrahydrocannabinol) can stay in a person’s body for as long as 3 to 90 days after smoking or being ingested orally. There are numerous determining factors for how long drug toxins stay in a persons body which vary from person to person, such as the analytical method used, your health, your body weight, metabolism, fluid intake, the type of drug toxin, and the degree of exposure to the drug toxin.

The speed at which marijuana leaves your body depends both on the speed of your metabolism, as well as on the half-life of THC. Its estimated that THC can have a half-life that ranges anywhere from 1-10 days. Its almost impossible to find out what that half life is, which means that it is very difficult to use it to calculate how long it will take for all of the THC to leave your body.

The most common period of time is anywhere from 3-30 days, depending on your metabolism and the amount of marijuana that youve smoked. This is unfortunate, since it means that while most drug tests can only turn up evidence of other drugs if youve been taking the drug within a few days of the drug test, marijuana could still be detected in a urine test up to a month after the last time it is used. If you smoke it occasionally it will remain in your system for up to 10 days. If you smoke marijuana on a regular basis it will stay in your system for as long as 45 days, and if you smoke marijuana at a constant pace, it can stay in the body for 90 days, Marijuana is fat soluble. It stores in the fat cells of the body, the brain, the liver, and the kidneys, in other words the major organs.

Instead of spending your time trying to calculate how long marijuana will stay in your system, simply find out what kind of drug test you will be taking, and then purchase the product which is most effective and appropriate for the particular drug test you will be undergoing. There are many products available on the Internet, and you will be able to find one that fits your needs and budget. Whether you will be taking a urine test or a hair follicle test, remember that it is much safer to invest in an effective and appropriate product instead of attempting to pass your test by estimating how long marijuana will stay in your system.