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Actual for You - Texas Mortgage Loans - How to Shop for a Mortgage Online
Chiropractic Marketing - A 'Must-Know' Lesson For Chiropractors From Bill Gates
Bill was once quoted as saying something along the lines of, "Microsoft has had lots of competitors over the years. It's a good thing we have museums to record those moments in history."Ouch. Not a good thing to think about if you were one of those competitors, that's for sure.But, you certainly don't need to be a competitor of Microsoft to feel the sting of business competition.With the quantity of chiropractors in practice today, and the quantity of new doctors coming into the profession every year, I'm sure you'd agree, it's a pretty darn crowded and competitive chiropractic marketplace out there.The number of shrinking incomes and struggling doctors, certainly confirms that.So, how do you go about being on the winning side... the success side... of chiropractic business competition, instead of on the losing, struggling side?2 ways...1. DIFFERENTIATION.2. USING YOUR PRACTICE METRICS PROPERLY.Let's talk about differentiation first.In order to excel in a crowded profession, you must be able to show prospect
ty and experience on their side.Bill was once quoted as saying something along the lines of, "Microsoft has had lots of competitors over the years. It's a good thing we have museums to record those moments in history."Ouch. Not a good thing to think about if you were one of those competitors, that's for sure.But, you certainly don't need to be a competitor of Microsoft to feel the sting of business competition.With the quantity of chiropractors in practice today, and the quantity of new doctors coming into the profession every year, I'm sure you'd agree, it's a pretty darn crowded and competitive chiropractic marketplace out there.The number of shrinking incomes and struggling doctors, certainly confirms that.So, how do you go about being on the winning side... the success side... of chiropractic business competition, instead of on the losing, struggling side?2 ways...1. DIFFERENTIATION.2. USING YOUR PRACTICE METRICS PROPERLY.Let's talk about differentiation first.In order to excel in a crowded profession, you must be able to show prospect
- Mortgage Brokers simply have more available options in products and programs for the mortgage loan shopper because they are not tied directly to any one mortgage lender but have relationships with many. This makes a mortgage broker a much more attractive option for a mortgage shopper online.
- In addition most mortgage brokers have relationships with Realtors, Builders, Appraisers, Title Companies, Surveryors, Home Inpsectors, Insurance Agents etc.... full service, one stop benefit for most mortgage shoppers who don't have these relationships established.
- Mortgage Brokers can provide invaluable one on one personalized service that large lenders simply cannot. If you like you're hand held, frequent updates, phones answered and calls returned quickly and the ability to quickly place your file with another lender if one lender fails then working with a professional experienced mortgage broker is the way to go. If you are a first time homebuyer it really makes good sense.
How to Make Training and Development a Power Agent for Change
Does this sound familiar? With high expectations, you sent your employees or yourself to a training or personal development program. Six weeks later you're not sure if it was worth the investment. What went wrong?In an ever-changing business environment, it's important that you and your workforce are prepared to handle whatever happens. Very few people will question that concept - so where's the problem? Why doesn't training seem to work for so many people? Most people are sold on the idea of training but aren't really sure how to make it work for them. Let's take a look at 10 factors that will help you get lasting results from training.1. Conduct a thorough needs analysis. Make sure that training is the answer. Conduct a thorough needs analysis first. Often the obvious cause is not the real reason for a deficiency. For example, doing skills-related training when it’s not a skill problem won't fix anything long term. It will also harm your credibility with your employees and can lead to lower morale.2. Don't sign up for the next fad. OK, you know traini
Did you know that if you are searching for a mortgage online you are one of the most valuable commodities on the internet today? Why?Does this sound familiar? With high expectations, you sent your employees or yourself to a training or personal development program. Six weeks later you're not sure if it was worth the investment. What went wrong?In an ever-changing business environment, it's important that you and your workforce are prepared to handle whatever happens. Very few people will question that concept - so where's the problem? Why doesn't training seem to work for so many people? Most people are sold on the idea of training but aren't really sure how to make it work for them. Let's take a look at 10 factors that will help you get lasting results from training.1. Conduct a thorough needs analysis. Make sure that training is the answer. Conduct a thorough needs analysis first. Often the obvious cause is not the real reason for a deficiency. For example, doing skills-related training when it’s not a skill problem won't fix anything long term. It will also harm your credibility with your employees and can lead to lower morale.2. Don't sign up for the next fad. OK, you know traini
Because you may be money in the bank if you APPLY ONLINE! Many who search online for anything from mortgages to socks go to a search engine, type in their request and are happily led down a path of ease and convenience right into the arms of an advertiser (usually on the first search page) claiming they have just what they need. In the mortgage business there are three types of advertisers: mortgage lead generators, mortgage lenders and mortgage brokers. They spend millions of dollars every year just to have a chance to sell you their products and services. Two of the above advertisers are not always the best option and could end up costing you serious money, time and a few headaches. We'll explain below:
The Mortgage Lead Generator - This company's primary function is to make money by enticing you to apply online. Then they sell your information (lead) to mortgage lenders and mortgage brokers. Keep in mind this is how they make money! They advertise convenience and the fact that you will be in control when several mortgage lenders or mortgage brokers compete for your business. If you are an experienced mortgage shopper you might come out of this experience unscathed but if you are a first time home buyer and have little experience with the mortgage process here are some questions to think about.
1. Do you know anything about the company or companies that will be calling you? Do they have good track record?
- These companies may be reputable but you are blindly trusting the mortgage lead generator who just sold your information at a premium to these random companies you know nothing about! The inexperieced mortgage shopper simply does not know the right questions to ask. Most think it's all about the lowest rate and never focus on the company or the personal experience of the loan officer they are speaking with which is exactly what the lender is hoping for! It's simply a roll of the dice!
- Did you know that the position with the highest turnover in the mortgage industry is none other than that of the loan officer! I have 20 years of experience to back this up. Trust me when I say that the Loan Officer position is a revolving door espeically at large lenders. An inexperienced loan officer can cost you serious money and time especially if you don't know the difference! Roll the dice!
- Many mortgage lead generators charge another fee on top of their initial lead fee in the event a lender closes a loan for you. This additional fee is many times charged directly back to you at close! This fee is generally in the $200.00 to $300.00 range! Now what you thought was an easy and convenient way to find a mortgage online actually costs you significant dollars! Easy and convenient are rarely ever free ! Roll the dice!
- If you apply with a mortgage lead generator you are authorizing this wonderful experience so thoroughly enjoy it. Most people find this quite annoying. If you aren't up to the task of sifting through the endless barrage of phone calls and emails you may cave in and go with the smooth talker and not the best deal. Not to be redundant but Roll the Dice!
1. The Loan Officer - Again you may get someone who knows what they're doing and then you may not!
- Remember that large mortgage lenders have the highest turnover within the loan officer position. Mortgage Lenders unfortunately are most often glorified Loan Officer Training Centers. The Loan Officers that actually begin to understand their role most often move on to mortgage brokers where there is more opportunity to succeed. (see reasons cited below) And you still may be working with a middle man depending on the operational structure of the lender. At many lenders the loan officer has no direct access to the underwriting and processing departments effectively reducing the so called direct lender benefit. Many times you are forced to deal with someone you've never met to try and get your loan closed!
- The lender is always limited to selling you their specific products and rates which many times puts you at a disadvantage in finding the best available rates and programs for your unique situation. This is a Huge factor! Mortgage Brokers on the other hand are not tied to one speicific lenders products and programs. More about this later.
- Because profit margins continue to shrink for the mortgage lender especially those who sell their loans on the secondary market lenders are constantly looking for ways to automate their processes and become more efficient. Bad news for the consumer because this means doing more with less people. Ever heard the expression overworked and underpaid? This happens quite often at mortgage lenders. Again I've seen this in action. Frustration for borrowers runs high when there are delays and a general lack of personalized customer service.
- Mortgage Brokers simply have more available options in products and programs for the mortgage loan shopper because they are not tied directly to any one mortgage lender but have relationships with many. This makes a mortgage broker a much more attractive option for a mortgage shopper online.
- In addition most mortgage brokers have relationships with Realtors, Builders, Appraisers, Title Companies, Surveryors, Home Inpsectors, Insurance Agents etc.... full service, one stop benefit for most mortgage shoppers who don't have these relationships established.
- Mortgage Brokers can provide invaluable one on one personalized service that large lenders simply cannot. If you like you're hand held, frequent updates, phones answered and calls returned quickly and the ability to quickly place your file with another lender if one lender fails then working with a professional experienced mortgage broker is the way to go. If you are a first time homebuyer it really makes good sense.
Top Four Ways To Earn Money Online For Free At Paid Websites From Paid Surveys And Other Methods
Thanks to the popularity and rise of the Internet, coupled with the human fascination with earning money with minimum input, there are now various ways to earn money online without much effort. All of these methods mentioned in this article are free to participate in, and they are guaranteed to earn money.1. Paid Survey WebsitesThere are several free to join paid survey websites available for anyone to use on the Internet. Paid survey websites will regularly email out surveys to its users, which are then completed and then sent back to the survey site. Money is then paid in to that users survey account, and when it reaches a certain level (usually around 15pounds) you can request a payment. Usually you can be paid straight into your bank account, or you can choose to be paid in gift vouchers. When joining the free paid survey websites, you will have to fill in a basic interests profile which serves as an indicator as to what type of person you are which the survey site will use when choosing suitable people to send out surveys to. Free to join paid survey websites are defin
nies may be reputable but you are blindly trusting the mortgage lead generator who just sold your information at a premium to these random companies you know nothing about! The inexperieced mortgage shopper simply does not know the right questions to ask. Most think it's all about the lowest rate and never focus on the company or the personal experience of the loan officer they are speaking with which is exactly what the lender is hoping for! It's simply a roll of the dice! 2. Does the loan officer you're speaking with have any experience?Thanks to the popularity and rise of the Internet, coupled with the human fascination with earning money with minimum input, there are now various ways to earn money online without much effort. All of these methods mentioned in this article are free to participate in, and they are guaranteed to earn money.1. Paid Survey WebsitesThere are several free to join paid survey websites available for anyone to use on the Internet. Paid survey websites will regularly email out surveys to its users, which are then completed and then sent back to the survey site. Money is then paid in to that users survey account, and when it reaches a certain level (usually around 15pounds) you can request a payment. Usually you can be paid straight into your bank account, or you can choose to be paid in gift vouchers. When joining the free paid survey websites, you will have to fill in a basic interests profile which serves as an indicator as to what type of person you are which the survey site will use when choosing suitable people to send out surveys to. Free to join paid survey websites are defin
- Did you know that the position with the highest turnover in the mortgage industry is none other than that of the loan officer! I have 20 years of experience to back this up. Trust me when I say that the Loan Officer position is a revolving door espeically at large lenders. An inexperienced loan officer can cost you serious money and time especially if you don't know the difference! Roll the dice!
- Many mortgage lead generators charge another fee on top of their initial lead fee in the event a lender closes a loan for you. This additional fee is many times charged directly back to you at close! This fee is generally in the $200.00 to $300.00 range! Now what you thought was an easy and convenient way to find a mortgage online actually costs you significant dollars! Easy and convenient are rarely ever free ! Roll the dice!
- If you apply with a mortgage lead generator you are authorizing this wonderful experience so thoroughly enjoy it. Most people find this quite annoying. If you aren't up to the task of sifting through the endless barrage of phone calls and emails you may cave in and go with the smooth talker and not the best deal. Not to be redundant but Roll the Dice!
1. The Loan Officer - Again you may get someone who knows what they're doing and then you may not!
- Remember that large mortgage lenders have the highest turnover within the loan officer position. Mortgage Lenders unfortunately are most often glorified Loan Officer Training Centers. The Loan Officers that actually begin to understand their role most often move on to mortgage brokers where there is more opportunity to succeed. (see reasons cited below) And you still may be working with a middle man depending on the operational structure of the lender. At many lenders the loan officer has no direct access to the underwriting and processing departments effectively reducing the so called direct lender benefit. Many times you are forced to deal with someone you've never met to try and get your loan closed!
- The lender is always limited to selling you their specific products and rates which many times puts you at a disadvantage in finding the best available rates and programs for your unique situation. This is a Huge factor! Mortgage Brokers on the other hand are not tied to one speicific lenders products and programs. More about this later.
- Because profit margins continue to shrink for the mortgage lender especially those who sell their loans on the secondary market lenders are constantly looking for ways to automate their processes and become more efficient. Bad news for the consumer because this means doing more with less people. Ever heard the expression overworked and underpaid? This happens quite often at mortgage lenders. Again I've seen this in action. Frustration for borrowers runs high when there are delays and a general lack of personalized customer service.
- Mortgage Brokers simply have more available options in products and programs for the mortgage loan shopper because they are not tied directly to any one mortgage lender but have relationships with many. This makes a mortgage broker a much more attractive option for a mortgage shopper online.
- In addition most mortgage brokers have relationships with Realtors, Builders, Appraisers, Title Companies, Surveryors, Home Inpsectors, Insurance Agents etc.... full service, one stop benefit for most mortgage shoppers who don't have these relationships established.
- Mortgage Brokers can provide invaluable one on one personalized service that large lenders simply cannot. If you like you're hand held, frequent updates, phones answered and calls returned quickly and the ability to quickly place your file with another lender if one lender fails then working with a professional experienced mortgage broker is the way to go. If you are a first time homebuyer it really makes good sense.
Small Annoyances Can Make a Big Impact on a Business's Bottom Line
Sales clerks who stand behind the counter gabbing to friends and ignoring the customer in front of them; product return personnel who refuse to honor their store's return policy; bank employees who get surly and defensive when questioned about possible errors on a depositor's bank statement.These slights and others can cost a business thousands in lost revenues and even the loss of their reputation in the community. Customers who have been treated rudely or who see themselves as having been cheated or ripped off in some way are likely to vote with their feet, walking out of a business and in the door of a similar business down the street that presents itself as more welcoming. Even more serious, customers who see themselves as slighted generally tell other people, which can impact a business's reputation very quickly. Once tarnished, a company's public reputation is very hard to repair.Proper hiring and training of customer service personnel is paramount. Employees who enjoy interacting with customers and who genuinely want to help resolve problems are a valuable asset to a
alls from several sales people daily for at least the next 30 days?Sales clerks who stand behind the counter gabbing to friends and ignoring the customer in front of them; product return personnel who refuse to honor their store's return policy; bank employees who get surly and defensive when questioned about possible errors on a depositor's bank statement.These slights and others can cost a business thousands in lost revenues and even the loss of their reputation in the community. Customers who have been treated rudely or who see themselves as having been cheated or ripped off in some way are likely to vote with their feet, walking out of a business and in the door of a similar business down the street that presents itself as more welcoming. Even more serious, customers who see themselves as slighted generally tell other people, which can impact a business's reputation very quickly. Once tarnished, a company's public reputation is very hard to repair.Proper hiring and training of customer service personnel is paramount. Employees who enjoy interacting with customers and who genuinely want to help resolve problems are a valuable asset to a
- If you apply with a mortgage lead generator you are authorizing this wonderful experience so thoroughly enjoy it. Most people find this quite annoying. If you aren't up to the task of sifting through the endless barrage of phone calls and emails you may cave in and go with the smooth talker and not the best deal. Not to be redundant but Roll the Dice!
1. The Loan Officer - Again you may get someone who knows what they're doing and then you may not!
- Remember that large mortgage lenders have the highest turnover within the loan officer position. Mortgage Lenders unfortunately are most often glorified Loan Officer Training Centers. The Loan Officers that actually begin to understand their role most often move on to mortgage brokers where there is more opportunity to succeed. (see reasons cited below) And you still may be working with a middle man depending on the operational structure of the lender. At many lenders the loan officer has no direct access to the underwriting and processing departments effectively reducing the so called direct lender benefit. Many times you are forced to deal with someone you've never met to try and get your loan closed!
- The lender is always limited to selling you their specific products and rates which many times puts you at a disadvantage in finding the best available rates and programs for your unique situation. This is a Huge factor! Mortgage Brokers on the other hand are not tied to one speicific lenders products and programs. More about this later.
- Because profit margins continue to shrink for the mortgage lender especially those who sell their loans on the secondary market lenders are constantly looking for ways to automate their processes and become more efficient. Bad news for the consumer because this means doing more with less people. Ever heard the expression overworked and underpaid? This happens quite often at mortgage lenders. Again I've seen this in action. Frustration for borrowers runs high when there are delays and a general lack of personalized customer service.
- Mortgage Brokers simply have more available options in products and programs for the mortgage loan shopper because they are not tied directly to any one mortgage lender but have relationships with many. This makes a mortgage broker a much more attractive option for a mortgage shopper online.
- In addition most mortgage brokers have relationships with Realtors, Builders, Appraisers, Title Companies, Surveryors, Home Inpsectors, Insurance Agents etc.... full service, one stop benefit for most mortgage shoppers who don't have these relationships established.
- Mortgage Brokers can provide invaluable one on one personalized service that large lenders simply cannot. If you like you're hand held, frequent updates, phones answered and calls returned quickly and the ability to quickly place your file with another lender if one lender fails then working with a professional experienced mortgage broker is the way to go. If you are a first time homebuyer it really makes good sense.
Leadership - Expectations
What is your staff doing today?Chances are good that you could probably run down your list of direct reports and provide me with a fairly detailed summary of what each person needs to accomplish by 5 o’clock.However, what if I asked what you wanted your staff to complete by the end of this week, month and year? Even better, what if I asked your staff? Would they have any idea?This month, I am going address the challenge of setting clear and meaningful expectations and ensuring that your staff is consistently focused on your expected outcomes.When I introduce this topic to business owners/managers, I typically get the following response, “CJ, we don’t need to worry about this with my staff, they know exactly what I expect from them.” Unfortunately, after I meet with the staff I usually find that although they have a good understanding of the tactical duties they need to complete each day, they struggle answering the following questions:What is the direction of your department and the company?How do your daily duties affect this direction?the loan officer has no direct access to the underwriting and processing departments effectively reducing the so called direct lender benefit. Many times you are forced to deal with someone you've never met to try and get your loan closed! 2. Limited options with products and rates!
What is your staff doing today?Chances are good that you could probably run down your list of direct reports and provide me with a fairly detailed summary of what each person needs to accomplish by 5 o’clock.However, what if I asked what you wanted your staff to complete by the end of this week, month and year? Even better, what if I asked your staff? Would they have any idea?This month, I am going address the challenge of setting clear and meaningful expectations and ensuring that your staff is consistently focused on your expected outcomes.When I introduce this topic to business owners/managers, I typically get the following response, “CJ, we don’t need to worry about this with my staff, they know exactly what I expect from them.” Unfortunately, after I meet with the staff I usually find that although they have a good understanding of the tactical duties they need to complete each day, they struggle answering the following questions:What is the direction of your department and the company?How do your daily duties affect this direction?
- The lender is always limited to selling you their specific products and rates which many times puts you at a disadvantage in finding the best available rates and programs for your unique situation. This is a Huge factor! Mortgage Brokers on the other hand are not tied to one speicific lenders products and programs. More about this later.
- Because profit margins continue to shrink for the mortgage lender especially those who sell their loans on the secondary market lenders are constantly looking for ways to automate their processes and become more efficient. Bad news for the consumer because this means doing more with less people. Ever heard the expression overworked and underpaid? This happens quite often at mortgage lenders. Again I've seen this in action. Frustration for borrowers runs high when there are delays and a general lack of personalized customer service.
- Mortgage Brokers simply have more available options in products and programs for the mortgage loan shopper because they are not tied directly to any one mortgage lender but have relationships with many. This makes a mortgage broker a much more attractive option for a mortgage shopper online.
- In addition most mortgage brokers have relationships with Realtors, Builders, Appraisers, Title Companies, Surveryors, Home Inpsectors, Insurance Agents etc.... full service, one stop benefit for most mortgage shoppers who don't have these relationships established.
- Mortgage Brokers can provide invaluable one on one personalized service that large lenders simply cannot. If you like you're hand held, frequent updates, phones answered and calls returned quickly and the ability to quickly place your file with another lender if one lender fails then working with a professional experienced mortgage broker is the way to go. If you are a first time homebuyer it really makes good sense.
Debt Consolidation -- Choose Your Credit Counselor Carefully
Recently passed by Congress, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 will require people who are filing for bankruptcy to first undergo mandatory credit counseling. This is probably not a bad idea; after all, many people with problem debt could probably benefit from credit counseling. A good credit counselor can assist clients with problem debts in establishing a repayment schedule, creating a personal budget, and learning how to avoid debt and credit problems in the future. The problem is that with the estimated one and a half million additional people seeking credit counseling each year, there will undoubtedly be more credit "counselors" entering the market, and many of them are only interested in reaping huge profits at the expense of their clients. There are already a number of credit counseling firms working in the marketplace that advertise themselves as "nonprofit", when they actually are closely tied to for-profit debt consolidation firms. These agencies will strongly encourage their clients to consolidate debt through their partne
ty and experience on their side.Recently passed by Congress, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 will require people who are filing for bankruptcy to first undergo mandatory credit counseling. This is probably not a bad idea; after all, many people with problem debt could probably benefit from credit counseling. A good credit counselor can assist clients with problem debts in establishing a repayment schedule, creating a personal budget, and learning how to avoid debt and credit problems in the future. The problem is that with the estimated one and a half million additional people seeking credit counseling each year, there will undoubtedly be more credit "counselors" entering the market, and many of them are only interested in reaping huge profits at the expense of their clients. There are already a number of credit counseling firms working in the marketplace that advertise themselves as "nonprofit", when they actually are closely tied to for-profit debt consolidation firms. These agencies will strongly encourage their clients to consolidate debt through their partne
- Mortgage Brokers simply have more available options in products and programs for the mortgage loan shopper because they are not tied directly to any one mortgage lender but have relationships with many. This makes a mortgage broker a much more attractive option for a mortgage shopper online.
- In addition most mortgage brokers have relationships with Realtors, Builders, Appraisers, Title Companies, Surveryors, Home Inpsectors, Insurance Agents etc.... full service, one stop benefit for most mortgage shoppers who don't have these relationships established.
- Mortgage Brokers can provide invaluable one on one personalized service that large lenders simply cannot. If you like you're hand held, frequent updates, phones answered and calls returned quickly and the ability to quickly place your file with another lender if one lender fails then working with a professional experienced mortgage broker is the way to go. If you are a first time homebuyer it really makes good sense.
Article Written by Billy Killingsworth
About the Author: Billy Killingsworth is the editor for www.TexasMortgageInsider.com sponsored by UniStar Mortgage, a full service mortgage broker in Texas specializing in all income and credit types.
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