Advice for Future Salesmen

So many salespeople go into selling without understanding the fundamentals and how they are to be used to build business relationships. Often, the hard sell strategies end up doing just the opposite, sometimes without even realizing it. This is why I had always recommended to your Blitz Marketing Sales Teams to learn more about the subject and go out a make sales yes, of course, but to make friends too.

Sometimes something very subtle, a small mistake can turn off a client and cause negative thoughts and attitudes. So, I would like to recommend a couple of books on the subject of sales for you to read, which in a way compliment each other and also conflict. But I believe there is a philosophy that can be gained from such reading:

“Winning Moves – The Body Language of Selling” by Ken Delmar – 1984.

The book has a little subtitle of interest; “the keys, strategies, moves, gestures, expressions, style and aura that work for winners.” The author suggests that religious leaders, politicians, actors, top trail lawyers and top sales people all have these abilities in common. He further suggests that we can all do this, if we learn how – and that is exactly what this book explains how to do.

Amongst the topics are how to maintain compose, sense of trust, limit stress, look relaxed, self-assured and confident. Imagine disarming prospects, improving your voice and allowing hostile people to backtrack with proper body language and adequate tone. Learn to look alive on camera, command a room, quell anger emotions, its all here and more, this is a great book.

“How to Master the Art of Selling Real Estate” by Tom Hopkins – 1986.

Mr. Hopkins starts this book by explaining what society expects a real-estate salesperson to look like and act like. How to maintain a professional attitude – then he gets into prospecting, qualifying, verbal techniques, telephone sales, open house techniques, asking for commitment or offers, and how to close the sale – next how to present the proposal and how to maintain a referral network from happy customers and their friends as well. There is also a section on staying organized, scheduling and planning. The final chapter is how to keep a score card of your successes; tracking sales, money made, net-worth and goal setting.

Once you are done reading these two books, I guarantee it will help you increase sales, more importantly, it will help you be a better you and make more friends in the process.

Article Source: http://EzineArticles.com/826233

How To Get A Mortgage 8 Simple Steps

1. Find a mortgage lender. It used to be only building societies that arranged such loans, but now you are able to get your mortgage widely available from bank and other financial institutions. First you must decide which mortgage type will suit you.

2. Repayment mortgage is most common type of loan. this is where the buyer pays off a proportion of the loan each month and pays interest on the remainder. All of the money goes to the lender, some repayment mortgages are flexible, which allows under- or over-payments to be made according to your circumstances.

3. Endowment and interest only mortgages are more risky. this is where the buyer pays only monthly interest charge to the lender and at the same time paying into an independent scheme intended to pay off the full amount of the loan at the end of the period. The buyer has to make up for any shortfall in value – which is more likely with low interest rates and badly-performing money markets.

4. Current account mortgage puts your mortgage, cheque and saving account into one large loan, which can be drawn from or paid into at will. Experts agree that this is the most economical of mortgages, if you are disciplined with your money.

5. Mortgages that have variable or fixed interest rate. If you have a fixed-rate mortgage you could lose out if interest rates fall; a variable-rate mortgage is where your monthly payments will depend on movements in interest rate.

6. When filling out a mortgage application form. Mortgage are signed in respect of the property, you can get an agreement in principle from a lender, the mortgage can only be formally approved when the lender has approved the property you intend to buy.

7. After approval, the mortgage lender will notify you in writing. This should take less than two weeks.

8. When you have signed the mortgage agreement, the lender will make a payment to your solicitor – you will then pay this to the vendor’s solicitor once the contracts have been exchanged.

Article Source: http://EzineArticles.com/824663

Top 3 Free Foreclosure List Websites

Foreclosure is defined as a situation in which a homeowner is unable to make principal and/or interest payments on his or her mortgage, so the lender, most often a bank, can seize and sell the property as defined in the terms of the mortgage contract. When a foreclosure takes place the bank involved in the process will want to sell the property as quickly as possible, often MUCH below market value.

Getting Started with Foreclosures… It’s Easy!

There are dozens of foreclosure listing services available online. However, before subscribing to a service make sure to do some research, as the quality of each service can vary greatly. Find out where they gather their information, how frequently they update their foreclosure listings, and how often they remove old listings, you don’t want to be wasting you time and money on worthless foreclosure leads. A great way to do this is to sign up for a free trial membership, so you can see first hand whether their site is worth paying for.

Browse Online Foreclosure Listings for FREE!

So, you don’t want to pay the monthly fee to access the major foreclosure listings websites? No problem. Most major sites currently offer a free 7 day trail, which will grant you full membership access to every listing in their database. This is an excellent way to satisfy your curiosity and get started with foreclosures right away. After the 7 days has past, you can then make an informed decision as to whether you would like to continue using their service. Alternately, you can sign up at another major foreclosure site and use their free 7 day trial to continue browsing local foreclosure listings.

Article Source: http://EzineArticles.com/822544

Mortgage How To Determine What You Can Afford 7 Easy Tips

When buying a property it is important to know how big of a mortgage you can afford. Before you buy that dream house knowing how much you afford to spend each month. How much are that mortgage lender is willing to lend.

Here are 7 tips on how to determine how much of a mortgage you can afford

1. Before you start hunting for your home, consult a building society, mortgage broker or bank to find out the maximum loan you are likely to have to spend on your house.

2. Always be aware of the amount you are allowed to borrow, this will vary from lender to lender. Your own personal circumstances, income and assets. A typical figure would be 4 times annual income but can be higher or up to 80% of property value.

3. The maximum sum of your loan will also depend on whether you are taking out a mortgage in your name, or a joint-mortgage with a partner (co-buyer). The normal is two-and-a-half times the combined annual income.

4. To learn the maximum value of the property you can buy, take your mortgage ceiling add the amount you need to save for the deposit ( or if you have money following the sale of your current property).

5. To know how much you will have to pay each month, estimate your mortgage payments approximation. Use the details of the mortgage such as, mortgage amount, pay back period and the interest rate set for this mortgage.

6. Add to your monthly payments, cost of mortgage insurance, any land rent or charged services associated with the property, estimate the cost for area tax, utility costs, such as gas, electricity and water charges.

7. Compare the figures for cost with your monthly net income and work out whether the mortgage is affordable or not.

Article Source: http://EzineArticles.com/819869

The Conspiracy of Home Loanership

What is the conspiracy?

It is funny how through propaganda we can be manipulated into doing and thinking things that we know don’t make any sense. Here is a major example of what I am talking about. We all know that debt is bad and that it impedes our retirement. We all know that debt causes financial instability. Most marriages end in divorce and finance (which really is debt) is the main reason for this. So why do we all stand in line to buy houses so that we can build borrowing power and security?

Let’s go back to Finance 101. What is an asset? What is a liability?

An asset is something that puts money in your pocket. A liability is something that takes money out of your pocket.

Now, let’s look at your house. The only thing that your house is putting into your pocket is the ability to borrow more money! Yet, it is taking plenty money OUT of your pocket! So unless your master plan is to buy a big house, live in it, sell the house at retirement and move in with your kids (while you live off the money you sold the house for), I think it is fairly safe to say that your house is not an asset, it is a liability!

Turn the Mind Control Matrix off. Your house is not a good investment!!

Real estate (buying a house, fixing it up and flipping it for a profit or buying rental property) can be a good investment. Buying a house and living in it is not a good investment!! It is a material item, just like anything else. The equity in your house is nothing more than a fixed, low interest rate credit card!

WHAT IS NET WORTH?

Here is an example of “net worth”. John has a paid off $200,000 house. Sally has a paid off $150,000 house. Assuming that neither one of them has any money nor any other debt, John’s net worth is $50,000 more than Sally’s. That means that he is $50,000 wealthier, right? Why is that? It’s because John can BORROW $50,000 more than Sally. Now ask yourself, does that really make sense? When our whole idea of wealth is based on how much one can borrow, it is NO WONDER America is in debt!

If you go to Geechie Dan’s Place, and order a 3 Piece Chicken Meal that cost $4.99. The cashier say’s “That’s $5.24.” and you say, “I don’t have any MONEY but my net worth is $200,000.” What are the chances that you will get the meal? Now, let’s say that I walk into Geechie Dan’s Place and order a 3 Piece Organic Chicken Meal that cost $8.99. The cashier say’s “That’s $9.69.” I have $10 in my pocket, but my net worth is -$16,780,098,001.73. Guess what. I AM ABOUT TO EAT SOME CHICKEN!

NET WORTH DOES NOT EXIST!

It is a figment of your imagination. You can’t buy food with it. You can’t put it in the mission plate at church. You can’t pay your medical bills with it. Net worth for most people is a number that is out there somewhere in space, based on the perceived value of material items. It exists only in your mind! You can’t spend it. The only thing you can do is BORROW off of it.

REAL WEALTH is exchangeable. You can see it. You can touch it. You can LIVE off of it. It buys food, clothes, goods and services. You see, the reason that 97% of Americans get to retirement age and can’t really retire, is not because their net worth is low. The reason most people can’t retire is because they don’t have any MONEY!

The sad thing about this is, the real estate industry is telling people, “Buy a house and build wealth.” The Financial Services industry is telling people, “Increase your net worth. That is the number that you can retire on.” These are bold face lies!! So we Americans put all of our money into what we have been told is an investment, and when we retire, we are left with ONE BIG CREDIT CARD!

But now after saying all of this, don’t take my word for it. Find someone who has a paid off house and ask them how rich their 30 year investment has made them!

Read this very carefully. If you plan on retiring and being financially independent, it will probably be in your best interest to establish a game plan that will get you enough money to retire on at your retirement age. That is your first priority. Once you get that in place, THEN worry about buying a house! Don’t let the propaganda machine “punk” you into buying a house with an ad like this from the BS Bank Of Real Estate:

Stop making your landlord rich! Discover how to stop pouring money down the drain in rent and build a solid financial future by purchasing your own home!

Translation

Stop making your landlord rich! Borrow hundreds of thousands of dollars from US and make US rich instead of your landlord. Build wealth (by that we mean, the ability to come back and borrow more money from us). Then when you retire and you don’t have any money, you can do a reverse mortgage. If you die before the mortgage is up, we will take your house back (which was the plan from the beginning) or make your kids pay the rest of the interest.

Free Your Mind!

BORROWING POWER?

When you take out a home equity loan, all you are doing is borrowing your own money. This is money that you paid in. So, if you didn’t have the money to do what you wanted to, then what were you doing buying a house in the first place? You see, one of the ways that banks get rich, is by getting people to pay them, and then turn around and borrow their own money back and pay more interest! Whole life insurance is another example of this, but that is a whole different sermon.

AM I SAYING THAT YOU SHOULD NOT BUY A HOUSE?

Of course, I’m not. I’m all for ownership. But remember this. A house is a material item, just like a car or a big screen TV. Don’t let it impede your retirement.

There are a select few who can buy a nice house with a payment as low as their rent payment. But nine times out of ten, to buy the house that you WANT to live in, the payment will be about $400 to $600 more per month (especially after you factor in maintenance that you wouldn’t have to pay if you were renting).

So let’s say the difference is $500. $500 per month is about $6000 per year. Let’s say that you decided to WAIT three years before you bought your house. At $6000 per year you could save $18,000. If you were to put that $18,000 into an investment vehicle that made 12% interest, after 30 years (the time it would take you to pay off your house) you would have $576,000. Wait six more years and you would have over $1.1 million dollars! All of this while living in the same house and not investing a penny on top of your initial $18,000 investment. All you did was to wait three years and save your money.

Article Source: http://EzineArticles.com/819697