An Expired Listing Letter Will Make Your Phone Ring

An Expired Listing Letter can help you generate more leads, get more listings and make more sales. It's a fact that many top producing agents can validate. However, do not expect an agent in your market to actually do it, because doing so could ruin their business.

On the other hand I have nothing to lose by sharing this commonly known but underutilized tool with you. Post why? Because chances are we're not in direct competition with one another. So, if you are not conducting a letter writing campaign you should think about it.

5 Reasons For Starting an Expired Listing Letter Campaign Today

1) Expired listing campaigns are effective lead generators and when using them you can expect to generate listings on a consistent basis. So, let me ask you a question. How many listings are you currently generating on a weekly basis? That's what I thought. Want more? Then target expired listings … and start today.

2) Every letter you mail is highly targeted and goes to someone known to be interested in selling their home; someone who may be more motivated to sell when they list with you than they were during previous listings. In fact, not only can you expect the owners of expired listings to price their homes competitively, you can insist on it.

3) Farming expired listings is easy to do and a good letter makes it even easier. Mail ten letters a day, which takes on average less than thirty minutes, and you'll quickly be on your way to a renewable source of leads.

4) When you place a "For Sale" Sign & Rider on an expired that you convert to a new listing it'll enhance your stature as a successful agent in your community. Every passerby, property owner, renter, visitor and investor in the neighborhood will potentially look to you as an agent to do business with – and that will generate even more leads, listings and sales.

5) Finally, an expired letter writing campaign can also generate investment opportunities. Sometimes owners are willing to sell in a hurry, thereby creating attractive investment opportunities. You can establish relationships with real estate investors to buy some of the homes you list, or potentially line up investors to finance your purchase of them.

The Sound of Success

So, do not procrastinate. Get yourself an Expired Listing Letter set and start mailing letters today. And when you do know that your phone will start ringing and when it does be assured that callers will be wanting to do business with you. Can you ask for anything better?

Source by Lanard Perry

How Important Are Financial Data Providers To Investors?

Financial investments are big investments that require thorough monitoring and keeping up with the latest to gain profits at the end of the day. There is no way you can invest and take a back seat and still expect to reap great results from your investment. Financial trading means knowing everything that is happening in the financial markets and making the right decision depending on the current situation to get the most from your investment. It can be a lot of work but fortunately there are so many sources you can use to make sure you are updated on the latest in the financials.

Financial data providers make very good bridges between you and the world financials. The data providers simply equip you as a trader with the proper tools to help you make the best investment decisions you can make. They make it simple for you to analyze the most important financial data and market trends so you are able to make important moves at the right time to favor your investment. Considering that opinions and news can highly influence stock prices, you are better placed working with a good financial data provider.

The truth is that the opinion and news that people read shapes public perception and public perception has a huge role to play in influencing the stock prices. This makes data analyzing very important to traders. The best thing about modern times is that social media offers a great platform for keeping up with what's happening. Financial data providers use social media too to get the opinions and news on the latest happenings; hence when using their services you can be sure that you will never miss out on important information that can impact your investment.

The best data providers offer the data to larger financial institutions and hedge funds through data feeds that are customizable and also offer the services to organizations and individuals as a service on software. This means that you are covered by the services, whichever kind of a trader you are.

Choosing Your Financial Data Provider

You want to have the best experience when getting your data analysis. For this therefore, make sure you choose a provider with a user friendly interface to give you an easy time understanding the data provided. For instance, a good provider should be in a position to break down the data in terms of velocity, impact, volume and sentiments for news you are interested in and be able to display this in a dashboard view that makes it easy for you to digest and understand everything. When looking for the best, it is also helpful to consider service pricing details and the available plans so you can gauge whether it is the best for your expectations.

You should also consider what features the provider has on the data platform and how important the features will be in helping you make the right moves and decisions. You should get feeds in real time for the services to be beneficial.

Source by Jovia D'Souza

Financial Planning – Five Critical Steps in Financial Planning

1. Gather and Prepare Your Personal Financial Situation Status Quo

This kind of information can depend a lot on you as an individual, but it usually has to do with …

– Your investments,

– Your insurance policies (life, health, long-term care, property, liability, etc.),

– Your retirement benefits,

– Your tax situation (income tax, estate tax, gift taxes, etc.),

– Your will or trust,

– Your other estate planning information,

– Your powers of attorney,

– Any other financial information or documents you may need.

It's helpful for you to put together some simple personal financial statements. These can be much like those that are used in business. They might include your personal balance sheet, an income statement, and other relevant statements.

In the case of a balance sheet and income statement, the assets and liabilities, as well as your income and expenses, are included in the statements. These can be combined, for example in the case of husband and wife, or separate income statements and balance sheets could be put together for each person in your family.

If you are using a professional, they may have forms already made up that you can use for these purposes.

2. Identify Your Goals and Objectives

This will take some thought, and is one of the most important foundations to your financial planning.

Put some time and thought into it, and the rest will fall into place much better.

3. Compare Your Current Scenario With Alternative Ways To Handle Each Part of Your Financial Planning

Relate it to your goals and objectives. Get the advice and information you need from others, including professionals, and make decisions for changing what is the status quo.

4. Develop and Put Into Place Your Plan

Not someone else's plan, but YOUR plan.

Putting together the facts of your current situation, your potential future situation, your goals and objectives, and looking at those alternative ways of handling your case, you can lay down a plan that, while flexible, will act as a map for your future years in planning your finances.

5. Review and Revise Your Plan As Needed Periodically

Do not think of your plan as carved in stone. Things change. Circumstances change. YOU change.

There may be family occurrences like marriages, divorces, deaths, births, changes of occupation, varying economic conditions, and many other things that enter into making financial planning decisions.

Put these five steps into play, and you'll be glad they did. Read more. Absorb lots of information. But do not let it paralyze you. Information plus action will take you a long way.

Source by T. Lee Rayburn

The Three Levels of Planning

There are three levels of strategic planning: Corporate, business, and functional. Strategy may be planned at each level, but the plans for every level of an organization should align to insure maximum unity of effort. Without alignment, departments and functions will be working at cross-purposes, and the overall corporate strategy will be less effective. Here is how strategist view each of the three levels of strategic planning:

Corporate level: Planning at this level should provide overall strategic direction for an organization, sometimes referred to as the "grand strategy." This is a concise statement of the general direction which senior leadership intends to undertake to accomplish their stated mission or vision. Corporate level strategy is usually decided by the CEO and the Board of Directors although other senior leaders will often contribute to the strategy formulation. Strategic options at the corporate level will likely require a commitment of a significant portion of the firm's resources over an extended period, and the results will have a significant impact on the future health of the organization. Strategic planning at this level will usually include a robust analysis and identification of several strategic options based on the assumed future operating environment. In a multi-business firm, careful consideration will be given to the overall core competencies of the firm and where the boundaries lie between corporate and business level responsibilities.

Business level: Each business within an organization will develop a strategy to support the overall business within its specific industry. Business level strategy is reflects the current position of the firm within its industry, and identifies how the available resources can be applied to improve the position of the firm in relation to its competitors. There are a variety of ways that businesses will compete, but more often than not it is based on the USP (unique selling proposition) of the firm which distinguishes the company and its products from other competitors. If there are no differences between one firm's products or services from other competitors, then the product or service becomes a commodity. Competition among firms that offer commodities is usually rooted in price competition, and the low-cost providers usually take over. On the other hand, businesses that distinguish themselves can compete on their unique selling proposition. If they can successfully demonstrate why they are different and how that difference can provide a better level of service or quality product, then the business can command a higher margin for the premium service or product. This is the "value" added by the firm, and the business strategy should focus on how the firm adds value.

Functional level: Functional level describes support functions of a business: Finance, Marketing, Manufacturing, and Human Resources are a few examples of the functional level. Strategies at this level should be defined to support the overall business and corporate level strategies. If the functional level leaders can describe their activities and goals in relation to the business or corporate levels, then everyone in the organization will be aligned and as such contribute to the overall goals and objectives for the organization. So for example, functional leaders for IT or HR must ask if the strategies for their functions match and support the overall strategic direction of the businesses they support or of the overall firm itself.

The best strategic planners understand how important it is for a firm to have alignment among the corporate, business, and functional levels of strategy. The overall corporate level strategies will not be effective if the supporting business and functional level strategies are inconsistent with the overall strategic intent of the senior leaders. Thus, it is not only important to pick the right strategy for the corporate level, but also equally important to make sure that the business and functional level strategies support the overall grand strategy for the organization.

Source by Leonard Kloeber

How Do Guitar Amps Work?

Guitar amps are strange commodities in the music world. Anyone with a pickup on their guitar has got to plug into one, but it's rare that people understand just how the little boxes make your guitar sound so loud. Learning about how guitar amps work might help you learn about using the electronics and settings on both your guitar and amplifier in a more practical and efficient fashion. Here is a short lesson on how that big sound comes out of that little box.

The Anatomy

The anatomy of a guitar amplifier is quite simple. There are just three major components – the preamp, the power amp, and the speaker. Do not be confused by those big huge stacks that people use as amps too (head and cabinet designs), they are exactly the same, just the pieces are not contained in one little box like the practice amp you have at home. Each piece of the amp serves a certain role.


The preamp is what you are actually plugging your guitar into. It receives an electronic signal from your guitar. This is also where those little controls you love to mess with are located, in the preamp you'll find the treble and bass, some fancier models have reverb and other distortion elements included as well.

Power amp

After the electronic signal is received by the preamp, it is passed along to the power amp. The power amp is what super charges the signal and makes it nice and loud. If you've got a huge and powerful power amp, then you'll be able to get huge and powerful sounds from your guitar. The power amp takes the signal from the preamp (and any information about treble and bass adjustments etc.) and finally passes it to the speaker, where it reaches the human ear.


Bigger speakers allow the lower sounds of an instrument to be stronger, which is why you'll notice that bass amps are bigger than guitar amps. The most prominent part of the amplifier that you can see is the speaker, you may or may not be able to see much of the preamp and power amp. Typically all three of these components are housed inside the same unit, a little (or big) box.


With an understanding of the anatomy of an amplifier and how it works, you can now begin to experiment with different combinations. The head and cabinet design mentioned before features two parts, the head, which is the preamp, and the cabinet, which houses the power amp and the speakers. Head and cabinet designs are common for professional musicians because it gives them the ability to combine different preamps with another power amp and speakers. These are not popular among amateurs because they tend to be large and cumbersome, not easily transported from home to your buddy's garage practice location.

Understanding how guitar amps work will give you the ability to make adjustments in your sound more carefully, especially if you have a preamp with lots of features. As you progress, you'll get more particular about the sounds you want your amp to produce.

Source by David Smithe

What Is Limited Capital?

What is limited capital, and how can it be used to build a successful business? Many people have great business ideas, but perhaps they lack the required financial power to execute those ideas. However, a lot of individuals have succeeded in business with little capital, and were able to spur themselves to success. To achieve this, an individual must be very determined and ready to make a few sacrifices along the way. Limited capital does not necessarily mean limited growth, limited achievement, and certainly not limited success.

The first and perhaps most important thing when starting a business with limited capital is for you to have a great product. Whether it is a physical product or a service, you must be confident about the product you're selling. When you are satisfied with the quality of the product you are selling, or the service which you are offering, you can be sure that your customers will be pleased as well. Your chosen product must transform people's lives one way or the other, and must get them coming back for more. Be assured, it is often those with limited funds to start a business venture who are often the most successful!

What is limited capital? Apart from having a good product, how do you overcome those limitations to start your dream business? Another great answer to this question is for you to consider partnering with another person of like mind. There are many people out there who do not have the time or patience to settle down and come up with great ideas like you do, but they might have some resources which you can tap in to. All you need is to package yourself and your ideas and approach them, and see if they would like to come on board. This is not to say that you might not need to do a bit of convincing, and have some follow-up before they decide to give you a try, but tenacity often pays off when all is said and done. You should also consider trying to get a small loan to boost your business and make it successful. However, you need to write up a very impressive business plan before you can get investors to put their money in your business. If you are able to get done what you want with the limited funds available to you, it is a good idea to avoid loans, since they often can become burdens.

What is limited capital? And what are the human qualities you must possess to overcome those limitations? First you must be very hardworking, ready to work for longer hours than usual. You must also be friendly and inviting. People will not work with you, or invest in you, if you are not lively and optimistic. When you have the ideas which you know will be successful in the market place, and yet they seem to be taking awhile to come to fruition, just remember that people such as Thomas Edison had to try dozens, and even hundreds, of different ideas before they were successful. We will forever be thankful that Edison did not give up on finding the right filament to make an efficient light bulb!

Source by Annie Whitney

What Are Characteristics of Sustainable Communities?

Environmental conservation has become an important way of life for an increasing segment of the population. Some people are committing themselves to green living to the extent that they are choosing to live in sustainable communities. These populaces come together with a common goal of living in a way that focuses on environmental, economic, and social health and resilience.

The Mindset

Economic growth and development is imperative for ongoing human wellbeing. However, if this development causes harm to natural resources by polluting water, air, and soil; destroying forests; flooding landfills with garbage; and producing toxic waste, the net result ends up being negative instead of positive. The premise of sustainable communities is finding a way to improve quality of life with economic development, while preserving the environment. Neighborhoods embracing sustainability are pursuing alternative options for economic development that do not produce harmful side effects such as air pollution, urban sprawl, congestion, and full landfills.

Strategies for Achieving Sustainable Economic Development

Use Local Resources Carefully – Every community has local resources that are available for use. When a neighborhood explores its local resources and then commits itself to meeting the needs of its residents with these commodities, everyone benefits. This internal resourcefulness creates jobs, boosts the economy, and reduces negative impacts. A community that works together to meet these basic needs internally usually thrives.

Creating an Efficient Infrastructure – Urban sprawl and inefficient city design have a negative impact on the environment. A city without careful planning requires its residents to rely heavily on their individual vehicles for transportation. An environmentally conscious alternative involves careful planning of neighborhood design so that people can reach work, school, and shopping more easily. The availability of public transportation is an integral component of sustainable communities.

Pursuing Energy Efficiency – When everyone in a neighborhood works together to conserve energy, big results usually happen. Businesses and households that focus on waste reduction, pollution prevention, and recycling can work together for the good of everyone. These types of neighborhoods usually experience a reduction in various kinds of damage such as air pollution and misuse of land.

Prioritize Quality of Life – Many people are becoming more aware of the importance of pursuing quality of life in their daily lifestyles. When a community prioritizes this type of lifestyle in its design, residents are generally happier. Creating an attractive neighborhood with clean water and air, open green spaces, and access to natural areas is a positive strategy for benefitting both humans and the environment.

Creation of Jobs – Pursuing environmental consciousness often creates new jobs. Job creation in the areas of environmental technology, waste reduction, pollution prevention, and recycling will often help to create a booming economy in a community.

Realistically, achieving sustainability is a process. A neighborhood will not attain this status overnight, but it is possible to work toward it by making important improvements. For success, sustainable communities must adopt a long-term perspective by adjusting focus to both today and tomorrow. This type of perspective will help ensure that current and future resident needs are met.

Source by Alfred Ardis

Tax Deed Investing – What is an "Upset" Sale?

In Pennsylvania, some counties have two different tax sales; the "upset" sale, and the "judicial" sale. If tax sale properties are not sold at either of these two sales, the property then goes on the "repository" list and can be sold by private bid. The upset sale is held every year in the fall. It's called an "upset" sale because the minimum bid for the properties in this sale is known as the "upset" price; which includes any unpaid taxes from the county as well as any municipal liens. If a property is not sold in this sale, it is sold in the "judicial" tax sale in the spring. Not all Pennsylvania counties have judicial sales but they all have an upset sale.

What you may not know about the upset sale is that all properties are sold subject to any liens or judgments. That means that if you purchase a tax deed at this sale, you are responsible for any other unpaid liens or judgments on the property. Most people assume that when they buy a property at a tax sale, they do not have to worry about other liens such as a mortgage. This is not true at the upset sale. If you plan on bidding at any of these sales this fall, you'd better do your homework!

So how do you find out about other liens or judgments on tax sale properties? There are two ways that you could do this; one is going to cost you some money and the other is going to take some of your time. The first way is to hire a title search company to do a simple title search on all of the properties in the sale that you are interested in bidding on. This could turn out to be a little costly, so it's not my method of choice. Another reason why I do not hire a title search company to do title searches for me before the sale is that many of the properties will come off the sale list the day before or the morning of the sale. You may pay for a few title searches that you do not even need because the properties that you wanted to bid on are not sold at the sale.

Last time I went to the Monroe County Upset Sale, I did not even bid on any properties. I researched about 10 of the properties in the sale that were in an area that I was interested in. Through my research I narrowed this down to only two properties that I wanted to bid on. I did all of my research the day before the sale and I had checked that morning to make sure that all of these properties were still in the sale. But by the next morning (the morning of the sale) the two properties that I was interested in had paid and were no longer included in the sale. I'm glad that I did my own research and did not pay a title company to do it!

That brings us to the second method for finding out about liens and judgments on tax lien properties, and that is to do it yourself. There is a little bit of education and some time involved, but it is well worth it. In most states, to do this type of research you would go to the County Hall of Records. In Pennsylvania the office that has the records that you need to search is the office of the Prothonotary. The people in this office are usually very helpful and will help you to look up what you need to know. You'll have to look for liens and judgments by the name of the owner. If there are co-owners or joint owners, you will want to search under both names.

Keep in mind, however, that if new liens were not yet recorded they could slip through the cracks in the system and you will not be able to find them. There is always some degree of risk when you buy a tax deed, even if you are careful and do your homework. This is why it is always recommended that you do not buy tax deeds in your own name, but in the name of a separate entity. It could be a corporation or an LLC. If you need help forming a corporation or LLC for the purpose of buying tax deeds, I know of two excellent programs to help you. They were both created by Darius Barazandeh, Texas attorney and tax deed expert.

Source by Joanne Musa

Different Types of Stocks and Stock Markets

For a new investor, it is important to know the various kinds of stocks available in the market and the different markets in which they are traded, or the different stock markets.

There are two basic kinds of stocks:

1. Common Stocks
2. Preferred Stocks

A common stock is the "basic stock" of a company that is directly affected by the fluctuation in the profit and loss of the company. These stocks are also issued to the employees of the company. Although, high risk is associated with common stocks, they are also a vehicle for making high profit as there are no fixed dividends attached to them. After the common stocks, the preferred stocks are distributed to the chosen stakeholders. These stocks carry a fixed dividend associated with them that is paid at regular intervals to stakeholders. They can further be classified into A, B, and C categories having different prices, restrictions, and dividend amounts.

Preferred stockholders are paid their dividends much before the common stockholders are paid their profits. If due to some reason a company liquidates, its preferred stockholders get back their money, while common stockholders may not. However, there is less profit associated with preferred stocks.

Stock splits are issued by companies when there is a huge decrease in the demand for its stocks. Here, an investor is able to buy twice the value of stock for the same amount of money. With increased demand, there may be a reverse split, which is just the opposite of a stock split. However, there is no loss of money for the investor for both these kind of transactions.

The actual place where the trading of securities takes place is called a stock exchange. There are again two basic kinds of stock exchanges:

1. Physical Exchange: For example, NYSE and AMEX
2. Virtual / Online Exchange: For example, NASDAQ

The New York Stock Exchange (NYSE) has been operational since 1792. It is located on the Wall Street, and has strict rules for companies to get listed. The NYSE lists big corporations, such as Coca-Cola, Wal-Mart, and General Electric. The NYSE is also known as an "auction market"; this is because investors bid for shares on the floor as in an auction and the share goes to the lowest bidder. It is believed, that the stocks on the NYSE are less volatile and more stable. The maximum listing fee for the exchange is $ 250,000 and the maximum continual yearly listing fee is $ 50,000.

The American Stock Exchange (AMEX) is another major physical exchange operating in Manhattan. AMEX's core business however lies with exchange -traded funds. In 1998, AMEX merged with the National Association of Securities Dealers (operators of NASDAQ) to form "The NASDAQ-Amex Market Group." The AMEX has liberal policies for listing, as compared to NYSE or NASDAQ. Some companies listed on AMEX are B & G Foods Holding Corp., Otelco Inc., etc.

For NASDAQ, trading is virtual or over the online network. Investors and stock traders deal and interact with each other virtually to buy and sell stocks over the Internet. Thus, a trading floor is non-existent for NASDAQ. NASDAQ lists "tech giants," such as Microsoft, Cisco, and Oracle. It is also known as a "dealer's market" as here, trading does not happen through auction but through a dealer who interacts with the buyers and sellers. The maximum listing fee for the exchange is $ 150,000 and the maximum continual yearly listing fee is $ 60,000. Thus, the stocks listed here are more "growth-oriented."

Source by Micheal James

Ballet Terms – Three Tips to Accelerate Your Class From Amateur to Pro

Through years of teaching dance at various studios across the country, I've noticed several not-so-good, but oh-so-common deficiencies in ballet training. Sometimes, they are things that are actually taught wrong, and sometimes, they are things that would elevate the training so much further if the teacher would just take a few minutes in each class to add this into the repertoire. Here are three simple, but major tips that will elevate our ballet classes from amateur to professional: 1) Understand when to use retire vs. passe, 2) Why use the term releve instead of eleve in ballet, and 3) Why teachers should regularly introduce students to ballet terms in their written form in ballet class.

Many teachers use passe as a blanket term , when often the correct ballet term to use is actually retire. So here's the difference between the two terms, and when each should be used in ballet. Think of a passe as actually passing through. It begins in one position, through retire position, to another position. For example, from fifth position, the working leg slides up the standing leg to retire position devant (in front of the knee), slides in a mini arc above the standing knee, to retire derriere, and then down the back of the leg to finish in fifth position in the back.

Retire can be a position, or an action. In the retire position, the working thigh is lifted to 90 degrees a la seconde (in Lehman's terms, that is to the side), with a bent knee, and the toes are extended to touch the front of the supporting knee. The retire action, means to draw up the working leg to the retire position, and return in back down to its original position. Retire action may also be executed as a petit retire, in which the dancer begins in first or fifth position, and the thigh of the working leg does not come all the way up to the retire position at 90 degrees, but rather to cou-de -pied (the "neck of the foot", with the toe of the working foot above the supporting leg ankle), and returns to its original position in first or fifth.

Eleve is also commonly used, when the term releve should be used. The French verb elever means "to raise up" or "to lift", as one can raise a child or lift a chair. However, the ballet term releve comes from the French reflexive verb "se relever," meaning to lift oneself. So when referring to rising up on the balls of the feet, the dancer is actually lifting himself / herself, thus the proper ballet term to use is releve.

When teaching ballet terms, teachers should get students familiar with the terms in their written form. This will help with their proper pronunciation, and help students identify and understand French words, and help them with identifying and learning other ballet steps. For example, take the term "sur le cou-de-pied." This is a long term. Plus, it's a foreign language! When a teacher spats this out at an English-speaking student who's never heard it, it sounds like a big slur. How is the student supposed to remember what to do? For all this student knows, you could be saying "shi lef beekempt". Huh? But if the teacher writes it out, and explains what each term is, it is not as overwhelming. "Sur" is "on", "le" is "the", "cou" is neck "," de "is" of the "," pied "is" foot ". Thus the entire term is" on the neck of the foot. "Now it is easier for the student to remember the position that accompanies the phrase. Two other fabulous things happen as well: 1) Now when the student hears the sound" pied "in another position or step, he or she can identify it as having to do with the feet, and 2) The student is learning proper French pronunciation and spelling. Magic! and it just took a few extra minutes of class time.

Source by Elle L. Baryshnikov