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Thursday, September 6, 2007
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   Thursday, September 6, 2007

A Positive Attitude Will Help Your Business
Developing a positive attitude will help you grow your business and achieve success. Everyone has times when things in their business do not go as planned. If you have a positive attitude, you will be able to pass those obstacles and get back on track. When you have a positive attitude, you will feel more confident in yourself and your business abilities.
You will also notice that finding clients may become an easier task. When you display a positive attitude, others will react to that. They will want to hire you and recommend you to others.
A positive attitude can help other areas of your life as well, including your health. People who are generally optimistic have less heart disease. The following are some tips to help you develop a more positive attitude.
Spend Time with Positive People and Avoid Negative People
Attitudes are contagious. When you spend time with positive people, you will feel more positive. When you talk to a positive person, you will find yourself in a more positive place.
On the other hand, bad attitudes are contagious, too. You have probably heard the saying “misery loves company”. When you are around people that are constantly complaining, you will find things to complain about as well. Little things that you would normally shrug off will seem to bring your whole day down. You will feel drained of energy.
Once you lose your energy and motivation, it can be difficult to get back into the swing of things. This can have negative implications on your business. Going through periods of negativity will be similar to spinning your wheels.
Be Nice To Others
Being nice to others will make you feel good about yourself and put a positive spin on your day. This doesn’t mean that you should let others take advantage of you.
Be Proactive
When you notice a problem coming up, do not wait until the last minute to solve it. Be proactive and think of a solution before the problem becomes serious. By keeping a step ahead of potential problems, you will be able to avoid setbacks.
Stay Organized & Practice Time Management
When you are organized you will be more efficient and able to get more things done. You will know what you want to accomplish each day; and will be able to spend the day working, rather than looking for your clients’ lost phone numbers or email addresses.
Consider Hiring a Coach
Many people are hiring coaches to help them achieve business success. A coach will help you decide what you want out of your business. They will help you set achievable goals and will also hold you accountable for your actions.

Ryan Even has a free blog where you can get internet marketing tips daily. Visit RyanEven.com now. Internet Marketing Blog


How Free Giveaways Can Help Get You All the Mortgage Clients You Want
Offering free giveaways to mortgage prospects and clients is a powerful business building strategy that can result in a flood of new and repeat mortgage clients.

It may seem counterintuitive to give away your services to build your business; however, people can’t resist the lure of receiving something for free. The word free, as worn out as it may seem, is still the most powerful word in marketing and has a hypnotic effect on people.
Why Free Giveaways Work
The reason free giveaways work so well is two-fold. First, prospects that test your service risk-free will hopefully recognize its value and want more of what you have to offer. Or even better, your prospect will get “hooked” on your service and become loyal lifetime client.

Second, the fact that your mortgage advice was given to your prospects as a free gift will compel them to return the favor by continuing the relationship with you. This principle is called the “Law of Reciprocity,” which simply states that people naturally feel an obligation to return favors as a way of expressing their thanks.
Information - The Ultimate Free Giveaway
Ideally, it’s best to offer free giveaways that are low cost but have a high perceived value to the person you are giving it to. Information is a great example of a free giveaway that has a low product cost and a high perceived value. This is why it’s smart for mortgage professionals to use special reports containing “insider” information as a free giveaway for lead generation.

Your free information could come in the form of a written document, an audio CD, a 1-on-1 consultation or a live seminar that your target market would be interested in. Regardless of what form you choose to deliver your free information product, the key is to make it relevant and valuable to your target market. If done right, your free educational resource will instantly position you as a “trusted advisor” and “expert” in your industry.
Free Giveaway Case Studies

There are a myriad of ways to offer a free giveaway and many effective types of giveaways (other than information) that your mortgage business can use to attract a steady flow of new clients. The following are a few ideas on how to give away information to close more deals with less effort:
Idea #1 - Free Special Report
Start by jotting down the most important things your target market needs to know to avoid mistakes, minimize risk, eliminate frustration and have a stress free financing experience. What comes to mind might seem elementary to you but these little “secrets” can truly make a world difference to your prospects. Once you’ve created your outline, go ahead and start writing your report. If you’re too lazy to do that, consider enrolling in my Mortgage Superstar Coaching Program, where I provide 5 “Done for You” reports that you can use right away!
Idea #2 - Free Audio CD
Offer a free audio CD to your prospects and newsletter subscribers. Audio CD's are simple to produce (I take you step-by-step through the process of creating your own audio CD in my coaching program) and it’s very inexpensive.

Idea #3 - Free Checklist

People love step by step direction and guidance. People love simple steps that they can follow. Why not take what you know and create a checklist that you can offer as an “ethical bribe” for lead generation efforts.

To attract new clients you should offer your free giveaways to prospects that haven’t yet done business with you. You might even partner with a non-competing, but complimentary business and do a joint venture offer where they endorse your free offer to their client database.

Justify Any Deal That's "Too Good To Be True"

If your offer that includes free giveaways appears “too good to be true” to your prospect, it could decrease the believability and credibility of your offer. To avoid this you should always give the reason why you can offer such a great deal.

Remember, your prospect is very skeptical and has good reason to be. We’ve all been duped at one point in time by a “too good to be true” scam. Furnishing your prospects with the reason why you can offer them such a good deal helps them to logically reconcile your offer in their minds. In turn, this will give your prospect the comfort level needed to act on your offer.
Conclusion
Using free giveaways is an effective mortgage marketing strategy if used correctly. Think about what you can offer free-of-charge that your prospects would consider valuable and that you can give at a low cost to you.
About the Author:
Doren Aldana, is a leading mortgage marketing consultant for mortgage industry, dedicated to helping mortgage professionals closed more deals with less effort. Aldana is also the author of a 21-part Audio Seminar, "21 Secrets of Superstar Mortgage Brokers and Loan Officers!" To pick up your copy of this special free resource visit: http://www.mortgagemarketingcoach.com


Credit Doom or Credit Boom!
For many credit cards can be a hassle or even a way to get deeper into debt and for others it can be a lifesaver, and still others a tool to enhance and even make their credit even better, but how is this done and what is the difference between these types of credit card owners. Despite what many say, credit cards are NOT the root of all evil.
Our first group is one of dependence on credit cards, they spend what they have and rely on “fake money” as we call it to drive themselves into debt. They rob Peter to pay Paul, as the expression goes, borrowing from one credit card to pay another. This type of behavior can and does become addicting. Using one credit card to pay another not only has the potential to double your interest rate, but can put one at risk for bankruptcy and poverty. Some even in this group will apply for as many credit cards as possible before their late payments hit Equifax. For this group, credit counseling is much needed.
Our second group is one where the use of a credit card can be a blessing. For example, if unforeseen circumstances come about such as a medical bill that needs to be paid, or any natural disaster, a credit card be a breath of fresh air to those who are not liquid enough to pay for this expense out of pocket. This is where a credit card can literally save a bank account. Word of warning, it is best to pay for any expense as a credit charge and not a cash withdrawal. If cash withdrawals are made and other “charges” are incurred at the same time, the interest on the cash withdrawal, which is around 25+%, will continue to accrue each month. For example, if you took out 300 dollars cash, and made a charge for 400, each month you will be paying against the 400 charge while the 300.00 dollars will be continually charged until latter is paid off. This happens more than you think. The author worked as a customer service rep for a large bank and we received hundreds of phone call per day of customers who were in this predicament. If you are just withdrawing cash, make sure the initial balance on the card is paid before making any other purchases.
Our last group used credit cards as a tool to help increase and better their credit. If you have low credit or even need a higher credit score a credit card is a wonderful tool that can help you achieve this. If you have the credit and can get an unsecured card then start making charges on this card and establish revolving credit , which is simply a credit balance that runs from one month to the next. When revolving credit is paid up to a year, this will help improve a credit rating. It is important for those in this group to NOT pay off debts early if you want to improve a credit score. Banks need to see a history of payments on time, not just a 90 day purchase and payoff.
Credit cards themselves do get a bad reputation from their users that are irresponsible, but in the right hands, a credit card can be a tool to increase one’s buying power by improving credit scores.

Need a Perfect Credit Score? Check out how to get a Perfect Credit Scoreand you may be surprised.