Will Real Estate Prices Rebound?

After years of hyper appreciation, the last 18 months has seen a major cool down in the real estate market. Given this change in direction, will real estate prices rebound?

Well, of course they will. Real estate has always been viewed as a good long-term investment. Nothing has occurred that changes that basic assumption. The short-term situation is a bit rocky, but it is only because we are going through a correction after watching the real estate bubble expand and expand for six years. Predictably, the air is coming out of the bubble, but at least it did not burst.

The more relevant question for people in the real estate market is not whether prices will rebound, but when? Ah, here we enter the realm of the mystic. The Harry Potter of real estate if you will.

The bold faith truth is nobody has a clue when they will rebound. On the positive side, we are starting to see things even out a bit across much of the country. On the negative side, financing for real estate purchase is tightening up as lender begin to realize they probably should not be giving money out like candy on Halloween. In the case of subprime lenders, the game is up for many of them and bankruptcy court looms.

At its financial heart, the real estate market is just a product market. Many people fail to take this into account when sizing up real estate opportunities. A home is a place you live in and raise a family. When it comes time to buy or sell, however, it is really no different than buying or selling a car. Yes, you had some good times with it, but now it something to be moved.

If you can wrap you mind around the idea a home is a product, you have a better chance of predicting when prices will rebound. Why? Well, it all comes down to inventory. When there is more inventory than demand, prices drop. When demand out paces inventory, prices go up.

At the moment, there is an absolute ton of inventory on the market and only modest demand. During the booming real estate market, developers where building homes as fast as they could. As the market cooled off, developers kept building like there was no problem. This has resulted in a glut of properties in most cities and high population areas. Developers are now offering very attractive deals to move the homes, but the market will not rebound till most of these are gone.

It is important to understand that inventory is important, but the number of houses sold is less so. If you see reports that the number of homes being sold is picking up, it is good news. That being said, it may not be great news. Such reports can be misleading because they do not take into account the reason a home is sold. If more homes are being moved because sellers are cutting prices, it does not mean that prices are on the rise again.

Will home prices rise again? Of course. You just need to be patient and watch the inventory.

Get a free 1 month online ad with pictures when you list your home FSBO at FSBOAmerica.org

Traveling to Hawaii? 5 Important Tips

Whether you are going on a family vacation, a spring break vacation with college friends, or even your honeymoon, Hawaii is a great place to visit at any time of year. While Hawaii is a great travel destination, you may want to know a bit about this place before you land. The following are some important tips that can help you have a great time while you are in Hawaii.

Tip #1 - No Touching a Nene - A Nene is the Hawaii state bird, and while they may look cute, they can be very defensive, especially if they have babies. These birds are also endangered species, so even if they look cute, touching or even approaching these birds are against the law. Be sure to keep this in mind when traveling to Hawaii or you may end up with a hefty fine.

Tip #2 - Get the Flower Lei Greeting - One of the most exciting experiences to enjoy in Hawaii is the flower lei greeting, but some vacation packages may not have this greeting included. Before you make your final arrangements for your trip, make sure that you will get the flower lei greeting when you land in Hawaii. It is a great experience and no trip to Hawaii is complete without it.

Tip #3 - Avoid Sunburn - When you are in Hawaii, chances are that you will be out in the sun a great deal. Many travelers forget to wear sunscreen and end up getting burned. It is best to wear sunscreen to prevent sunburn from occurring, but if you do end up with a burn, Aloe Vera gel and lidocaine are great for getting rid of the burn.

Tip #4 - Pack a Sweater or Jacket - While Hawaii is generally quite warm during the day time, at night it can get a bit cooler. You may want to pack a sweater or a light jacket when you go to Hawaii, just in case the night turns cool and you need something warmer to wear. If wearing a jacket is not your style, make sure you pack a few shirts that have longer sleeves and are a bit warmer than what you would usually wear during the day so you are comfortable during the evenings.

Tip #5 - Take an Umbrella - If you are visiting Hawaii between October and May, you will probably want to pack an umbrella. During this time of the year, Hawaii gets a great deal of rain, and although showers do not last long, more than likely you will get caught in one at some point. Unless you love walking or running in the rain, you will need to have an umbrella just in case.

Visiting Hawaii? Visit Kauai Fine Dining Restaurants and Macaw Parrot Bird Art first.

Mistakes to Avoid When Seeking A Home Loan

Applying for a home loan can be like preparing your taxes. It is stressful and confusing. That being said, there are some basic mistakes many people make that can be easily avoided.

Credit score. FICO. Blah, blah, blah. Yes, you have heard and read endless commentary on how important your credit score is the borrowing process. That being said, most people never take the time to look at their credit reports. They just assume they either have good or bad credit, submit their application and hope for the best. This is a bad approach. Check your credit report! Eliminate all erroneous reporting. It can go a long way to helping you get the financing you need.

Just as your eyes may be bigger than your stomach when eating, your home tastes may be bigger than your cash flow. A huge mistake is to buy too much home, which means you borrow more than you can reasonably pay. Remember, the lender is telling you the maximum you can borrow, not what you can afford. You will not enjoy your new home if you are awake all night wondering how you are going to meet the payments! Get something you can afford. Let it appreciate for a few years, then sell it. Use the equity gained to move up to a nicer home.

Stress and anxiety. These two nasty fellows can be a big part of the mortgage application process or you can practically eliminate them. If you make an offer on a home and then try to get financing, stress and anxiety will be maximized while you wait for a decision from the lender. If you get pre-approved before you even go look at a home, the stress and anxiety will practically be eliminated. Get pre-approved!

Shopping is one of the great activities in our modern world. Don’t believe me? How often do you sit on the internet and click to buy something? Well, do you look for the best deals when you shop for a car, clothes, appliances or whatever? Of course, you do. Then why would you not do the same with mortgages?! To get the best deal on your financing, you should shop your borrowing needs. You will be shocked at the different deals being offered and how one can end up costing you tens of thousands of dollars more than another. To save massive money on your loan, shop till you drop!

Obtaining a home loan is a necessary evil if you want to partake of the American Dream. Use a bit of common sense and you should be dreaming with the rest of us.

Learn more about mortgage loans at FSBOAmerica.org

Baccarat - The Rules of the Game

Here is a brief explanation of how to play and the rules of Baccarat
Two hands are dealt, one for the “player” and one for the “banker”. You can bet on one or the other. If the hand you bet on wins, you receive a 1 to 1 (even money) payoff. You can also bet that the hands will tie, but as mentioned above, it is not recommended. You receive an 8 to1 payoff, but ties occur less than once out of every ten hands, making the tie bet a poor choice.

At the start, each hand receives two cards. When necessary, additional cards are drawn according to the rules. The hand closest to 9 wins. Tens, Jacks, Queens and Kings count 0. The Ace counts 1 and cards 2 through 9 are at face value. The hand that comes closest to a count of 9 wins. Hands don’t bust like in Blackjack, because the first digit of a two-digit number is always dropped. For example, if 5 and 7 are drawn for a total of 12, the count is 2. When there is a tie, nobody loses.

If the first two cards total 8 or 9, the hand is called a “natural” and it wins automatically, unless both hands have equal value “naturals”, in which case it’s a tie. If neither hand has a natural additional cards are drawn to determine a winner.

Banker and player bets pay even money when you win. However, winning banker bets are subject to a 5% house commission. Even after paying a 5% commission on winning banker bets, betting on “banker” is still a slightly (0.19% to be exact) better proposition than betting on “player”. Banker hands win more often.

All bets are made before the cards are dealt. In live games every player at the table gets a chance to deal the cards, but you don’t have to deal, just pass the shoe to the next player.

That’s all there is to Baccarat, but just because it is simple, don’t think it is easy to win. As in all casino games, the house, or casino, has the advantage, so you start off with an uphilll battle if you want to come out ahead.

The secret to successful gambling is to bet with your head, not over it, as the signs say at the casinos. To keep gambling fun, never take more money with you than you can comfortably lose. Of course, we all hope that we win, but it doesn’t always turn out that way. Read and learn all you can about gambling and your odds will improve significantly.

Would you like to improve your odds of winning?

Visit http://cardgamerules.homestead.com for card game rules, tips and tricks.

Advice on Getting the Best Mortgage

As you know, the real estate market has changed dramatically in the last year. This means you must also change your way of thinking to take meet your goals in buying a home.

The first five to six years of this decade represented a golden age for real estate. Money was cheap and easy to borrow. This, in turn, spurred massive borrowing and the real estate market as a whole. The action was hot, fast and heavy. Homes would be on the market for less than a week. Prices shot up as did the appreciated value of properties.

The break neck pace of the real estate market could not be sustained. As was predictable a few years back, we are now in a flat to depreciating real estate market depending upon the geographic area. One of the reasons for this is the backlash in the mortgage industry.

The mortgage market during the early part of this decade arguably got completely out of control. Some lenders were reputed to be lending money without even checking the bona fides of borrowers! Those days are over and the backlash from a large number of loan defaults is being felt by the borrowers of today.

If you are looking to purchase a home in the near future, you need to re-asses the current financing market for real estate. Lenders are pulling back on the reigns and stiffening their lending practices. Given this fact, you might have more difficulty acquiring financing than you originally imagined. There are ways to avoid problems, however.

You first step should be to order your credit report from the big three credit reporting agencies - Equifax, TransUnion and Experian. Review the reports for any negative marks and deal with them. Over fifty percent of people have erroneous negative marks on their credit reports. Make sure you do not or, if you do, deal with them.

The second step is to get pre-approved for your loan. Lenders are tightening up their borrowing requirements, but nobody is entirely sure what that actually means. To avoid a problem where you are in escrow and cannot get financing, you should get a lender commitment before even shopping for a home. Make sure to get it in writing and pay a few dollars to have it binding on the lender.

The real estate and finance markets have definitely cooled off. That does not mean, however, that the sky has fallen. You can get a loan, but be prudent in going through the process.

Learn more about mortgage loans at FSBOAmerica.org

History of Lacoste

Lacoste is a French company and was formed in 1933 by French tennis player, Rene Lacoste. It was during the 1926 US open championship which Rene won which seen him wear the first sport performance clothing. Rene wore a cotton polo shirt which was supposed to reduce sweat. After the 1926 championship win, Rene’s friend drew him a crocodile which he embroidered onto his tennis shirts. This was to become known as Lacoste’s famous logo and is still evident on all Lacoste products today.

It wasn’t until his retirement from Tennis that Rene introduced other shirts and started the foray into fashion 1933. During the 1950’s and 60’s Rene’s son Bernard took over the Lacoste empire and started to really expand the product both in the range and to new markets internationally. During the 1970’s Lacoste became a really popular brand in the huge USA market, in particular the Lacoste tracksuits and tennis clothing.

In the 1980’s Lacoste further increased the product range into items other than clothing, notably aftershave and toiletries. Nowadays there are over 50 million Lacoste products sold nationally covering a diverse group of people from the scallies of Liverpool to the up and rising tennis stars.

One of Lacoste’s most successful and popular products is the Lacoste polo shirts with the distinctive logo to the left chest. Since the turn of 2000 these have been in massive demand and still continue to be many stores’ most popular product. The Lacoste polo shirts can normally be found in all good high street designer clothing shops.

Darrell Freeman
Lacoste Polo Shirts

Forget Culture, Change Behaviours

Margaret Thatcher once declared: “There’s no such thing as society. There are only individual men and women, and there are families.” You wouldn’t expect anything less from the Iron Lady sitting on the right-hand side of the right political arena, where individualism is king and collectivism is bad for your health. Whether the former UK prime minister really believed what she was saying to the letter or was just using it as a strong point in defense of her Tory ideology of individualism, I don’t know. But the world heard her and responded with varying degrees of horror, or admiration.

My temptation to steal the line is strong. So here it is: forget culture, there are only behaviors. These can be accepted or unaccepted, expected or unexpected, sanctioned or not. There are established ways of doing things, ways of talking, ways of thinking and ways of grouping people. There are also visible windows to the world such as logos, colors, objects, symbols and other paraphernalia, usually referred to as ‘artifacts’ by cultured scholars. But, above all, there are people - individuals, those in pairs, trios, groups, teams, networks and any other multiples who do, and don’t do, particular things. This is as visual as I can get about how people behave in a particular environment. And this is culture.

Actually, I don’t agree with Thatcher. I do believe there is such a thing as society, and that this collective entity matters. But I would agree that ’society’ as a concept, important as it may be, has little operational value in the workplace. To put it bluntly, I can’t work with ’society’, but I do know a lot about ‘the individual men and women’ and the little groups called ‘families’. People, institutions and governments give money to, and take money away from, individuals and create laws to protect or punish them. In doing so, they frame and shape ‘the society thing’. But all this is done because of the individual or their groupings. The shape of ’society’, whatever that is, depends on all those things that we do, or don’t do, as individuals and in our natural (family/domestic) or artificial (company/institution/work) groupings.

Thatcher’s point was that society can only be described in terms of its components. My copycat point is that although culture can be described in many terms, most of them serve as artifacts, while many others are labels without any degree of reliability. In plain English, labels such as entrepreneurial culture, mature culture, culture of fear, or high-trust culture have almost no significance until you describe what you mean. These labels represent different things to you and me. And as soon as you start seriously describing labels and articulating what you mean by them, you are bound to describe what people do, or don’t do, what they are allowed to do or aren’t, which behaviors are established and which are non-negotiable, the ones that will take you places and those that will lead you nowhere. Ultimately, you will be talking about behaviors.

The only parameters that are really workable are the behaviors of individuals or groupings that exist within a culture. I can hear you saying, “Wait a minute, this sounds a bit like a reductionist approach. What about norms, beliefs, attitudes, values, hopes, expectations and emotions?” Of course culture also has norms, many of them tacit. But norms are mirrors of behaviors. Yes, I agree that people within cultures also have attitudes, beliefs, values, hopes, expectations, emotions and all that. The problem is that, if you push me, I would describe all of these things as pretty intangible, compared with what I see people doing, or not doing, in other words, their behaviors.

I am stretching the argument on purpose here and taking a pretty fundamentalist psychological view called behaviourism. For many folks, both in and outside the psychological and social sciences world, behaviourism is the ‘Thatcherism of psychology’ and, as in politics, not everybody’s cup of tea. We could spend hours discussing this within the social sciences arena and that would be great. But, as a business practitioner, I need concrete parameters to work with.

Many of the reasons people take a rather cynical approach to mission statements and declarations of values is because they are full of non-operational concepts, all apparently designed to make them impossible to disagree with. If your value statement lists qualities such as integrity, honesty, creativity, trust, pro-activity and customer focus, you are at the top of the bell curve. The real question is what all this means. Yes, sometimes there are explanations, but rarely are they at the behavioral level. What is it that people have to do, or not do, to be called ‘honest’? What behaviors qualify as acceptable or unacceptable under ‘integrity’? What does ‘trust’ mean?

Behaviours are actionable, while values are not. Behaviours alone, with no reference to values, are like bits of information on a computer that only make sense when you put them together. Values alone, with no reference to behaviours, are naked labels open to interpretation. Culture defined by values alone is nice, but not actionable. Culture defined in terms of behaviours may lack the glamour of grandiose mission statements, but it provides clear frameworks and boundaries for people, with the advantage that you can always refer back to a value system.

If you have followed so far, and sort of agree, the next question is: “How can we change a culture?” This is very relevant at many points in the organizational life cycle, but it becomes particularly prominent at M&A time, crisis time or soul-searching-lousy-productivity time, for example. I once heard a client, whose company was about to undergo a merger, say: “We are an entrepreneurial culture and you are a mature culture. We need to create a culture that has the best of both.” It sounded to me like a cooking recipe. A bit of mine, a bit of yours, now here is the souffle. It was hard to see how it was going to work because what the CEO described as entrepreneurial, I would have called disorganized, close to chaotic. And the company culture he referred to as mature was, in reality, dinosaurian. The marriage of chaos and dinosaurs does not necessarily breed gazelles. But what can you do with these terms? Not much, other than create beautiful press releases.

If you really want to change a culture, work on the underlying behaviors. Start by assessing the behavioral fabric of the organization. Ask what the common behaviors are that have become ‘part of the furniture’, or that have become ‘the culture’ even. And question whether they are enablers or blockers of what you are trying to achieve. There are tools and methods to assess this. Then you need to assess what reinforcement mechanisms you have in place ‘in your culture’. What is it that you are rewarding or punishing? What behavior is encouraged and what is discouraged? Who gets promoted for doing what and who gets fired for doing what? This part of the exercise, again with the right tools and methods, will tell you more about ‘your culture’ than any other evaluation initiative. Then you will be in a position to apply good behavioral management practice and define a set of new (or old) behaviors that you want to establish, and apply a set of new (or old) reinforcements to sustain them.

Only behaviours that get reinforced will stay, and any others will fade away. If a behavior is there, it is because it’s being reinforced, whether you’re aware of that or not. There are tricks, methods and some counter-intuitive initiatives that you may have to learn, but these are not the point here. It is absolutely possible to ‘change a culture’ within a matter of weeks provided you work at a behavioral level. It will take months or years otherwise.

Reinforcements are not the same as rewards. A reward is something that I have declared as being one. I could give you five pounds, dollars or euros as a reward for something you have done. If you were expecting two, or you feel five is appropriate, it is likely to be a reward and a reinforcement of your behavior. If you were expecting five hundred, the five pounds is an insult and not a reward or reinforcement. Even if you are OK with five, you may still have preferred a pat on the back as opposed to money so the opportunity to use a greater, and cheaper, reinforcement has been missed. Here is the trick: ask. In a recent analysis with a client, a company sales force was split 48% vs. 52% over whether they wanted monetary or non-monetary rewards. It was a shock for management because they had never asked.

A typical case of necessary culture change is in sales forces that were created with a strong individualistic ethos. You may have originally hired people who could sell ice to Eskimos and for years rewarded them with big bonuses for their individual sales performances. But you have now discovered that the Darwinian system of survival of the fittest that worked in the past is no longer suitable in a new environment where collaboration and information-sharing between people is key to your strategy. Where sales forces, and territories, are combined or amalgamated for cost savings, reps now need the ‘guy next door’ to work with them. In cultural terms, you have a great individualistic culture and you want to change it to a collaborative one and still meet your targets.

Cultural discussions will take you to painful territories. You are better off forgetting about culture and concentrating instead on behavioral change. What is it that the rep and district manager now have to do differently and how are you going to reward the new behaviours? Since there was perhaps no habit of collaboration, you may need to start with a bit of social engineering
And create initiatives that require by definition, and in their own merit, people talking and sharing data with others. These behaviours need to be rewarded. Individualistic non-sharing doesn’t get any rewards any more.

These kinds of processes are extremely powerful. Contrary to popular belief, the way people behave can be changed very quickly. It’s psychological nonsense to believe otherwise. Yet surprisingly, many people in business believe it is difficult or impossible.

This is in total contradiction with daily life in the social and political arena where behaviours can shift on an hourly basis. If you’re in doubt, consider how quickly the Spanish population turned against the then conservative government, when it blamed the Madrid train bombings on the Basque separatist group ETA, even though the police had information that Muslim fundamentalists were responsible.

Sustaining new behaviours is a bit trickier but, in general, behavioral change is powerful and actionable. Cultural change with no reference, inclusion or focus on behaviours is wishful thinking and rainmaking all in one.

Talking about hard-core pornography in 1964, US Supreme Justice Potter Stewart said: “I shall not today attempt further to define the kinds of material I understand to be embraced… but I will know it when I see it.”

I also know a culture when I see it, but what I see is people doing things and behaving in their own ways. Cultural change really is about behavioral change.

Dr Leandro Herrero practiced as a psychiatrist for more than fifteen years before taking up senior management positions in several pharmaceutical companies, both in the UK and the US. He is co-founder and CEO of The Chalfont Project Ltd, an international firm of organizational consultants. Taking advantage of his behavioral sciences background - coupled with his hands-on business experience - he works with organizations of many kinds on structural and behavioral change, leadership and human collaboration. He has published several books, among which The Leader with Seven Faces and Viral Change, both published by meetingminds.

http://www.meetingminds.com - http://www.thechalfontproject.com

Climate Change

Climate change is both a development and environmental issue. A global consensus is emerging that climate change is an issue that cannot wait and needs to be addressed sooner rather than later.

Today there is a double challenge: how to reduce damaging carbon emissions and still meet the energy demands of the world’s poor. The World Bank focuses on the additional economic and social opportunities that a low carbon path creates.

Countries trying to escape from poverty should not be penalized for the consequences of fossil fuel dependent growth patterns in the rich countries. Their development aspirations should be at the center.

A global regulatory framework, which would provide the necessary financial flows to developing countries, is needed. This framework should match the long-term need for energy for development with the necessary technical innovation and financial incentives to move consistently towards a low carbon economy.

The Poor Are Disproportionately Affected

Developing countries are more vulnerable to climate change than rich countries, with poor people being the most at risk from the increased impacts of volatility in weather patterns (i.e., floods and droughts). Human-induced climate change is expected to negatively impact agricultural productivity throughout the tropics and sub-tropics, decrease water quantity and quality in most arid and semi-arid regions, increase the incidence of malaria, dengue and other vector borne diseases in the tropics and sub-tropics, and harm ecological systems and their biodiversity. In addition, the sea level rise associated with expected increases in temperature could displace tens of millions of people living in low-lying areas, such as the Ganges and the Nile deltas, and could threaten the very existence of small island states.

Special Considerations for Mortgage Refinancing

You may be experiencing financial problems that could result in foreclosure and the loss of your home. The hardship that caused you to fall behind in your mortgage payments may be due to reasons beyond your control. An experienced loss mitigation counselor can help by partnering with you to find a solution that fits your needs and circumstances and meets the requirements of FHA, VA, FNMA, Freddie Mac, etc.

The following is a list of options (programs) that can offer you solvency and help you get back on your feet. By enlisting the aid of a qualified loss mitigation agency, you will find that their services can meet and/or exceed Federal Housing and HUD provisions. Government-backed programs can help you realize real financial relief without the need for bankruptcy, foreclosure or being forced to sell your home below market value and losing your equity.

VA Modification - If you have incurred a long-term financial hardship, the federal government has designed a special program to help VA backed mortgages. The delinquent amount is added to the principal balance and the loan is re-amortized. This generally results in lower monthly payments and a lower interest rate.

Deed in Lieu of Foreclosure - This is another foreclosure avoidance program that allows you to convey (transfer) your interest in the property to the lender, loan investor or the government. (Again, this option is only if you do not want or cannot afford the home.

Modification - This program adds the delinquent interest, taxes and insurance payments to the unpaid balance. If you qualify, you may be able to get help by extending the repayment of the past due amounts over the remaining term of your loan.

The next step is up to you, and please remember that time is very important when dealing with mortgage lenders and the federal government.

Dan Schultz operates American Loss Mitigation, Inc., a consultancy dedicated to helping people prevent home foreclosure. Schultz also trains interested people to become loss mitigation counselors.

How To Create A Profitable Computer Work At Home Business

Creating a profitable computer work at home business with the ability to make money online has become a popular dream. But how does one turn that dream into a profitable computer work at home business that will help you to make money online?

If you would like to learn my simple formula for creating a profitable computer work at home business… continue reading:

1. Learn How To Generate Website Visitors

Your business will not be successful if nobody knows your website exists. So how do you get visitors to your website? The answer is really very simple - Give them a reason to visit your website! The easiest way to do this is to offer them FREE content when they visit.

Find something in your niche that people need. Join forums or news groups visit active blogs and find out what people are talking about. Focus on a killer idea that will make people want to link to your site and use it to create free content. Once visitors are actually at your website, it is not difficult to get them to spend. But first you have to give them the incentive to become one of your customers; and the easiest way to do this is to offer them something FREE for visiting your site.

When your visitors realize you are willing to share free, helpful information, they start to speculate about your premium content. So, be sure to give them free useful content. It can be a few free ebooks, a free training course, a free video, free search engine optimization submission, etc. Once you give them a reason to visit your site, you’ve piqued their interest.

You can use other traffic producing agents like:

- Social Networking Sites
- Chat Rooms
- Blogs
- Search Engines
- Forums etc.

2. Build Your Personal Opt-In Mailing List

Say goodbye to bulk email… Opt-In email is still one of the best promotional tools on the Internet. However, because of abuse it is likely that your regular email will be ignored. Spam emails are the quickest way to turn off a potential customer, and sending spam may make you lose yourwebsite altogether. The way to combat this is using to use your own opt-in email list.

Everyone who is successful online uses an ezine to build their Opt-In email. It is not difficult to set up your own own ezine! If you haven’t started an ezine yet - you can start your own ezine for FREE at Getresponse.com. If you want to become truly successful with your internet home based business, you need an ezine.

An Ezine allows you an affordable way to market your product. You choose how often you would like to send one out - daily, weekly, monthly. Even if you’re not the world’s greatest writer you can still run an ezine. Many website owners will let your use their articles in your ezine at no cost! All you have to do is ask!

3. Use Several Methods To Grow Your List

There are at least 7 ways of using your opt-in mailing list to build a computer work at home business. Here are two that stand head and shoulders above the others.

The first way is marketing to your opt-in ezine subscribers. Offer one of your lower priced products or opportunities as a special bonus each month or as a special bonus or when someone buys a higher priced item. The typical response rate from your own list of subscribers is usually between 1% to 10%!

Here’s how it works:

Lets say you have a product that costs $39 and you have a list of 5,000, even a response rate of 1% will make you $1950. And a better response rate of 3% will make you $5,850. And you can do this once each month or even every week!

But this is just the beginning. Imagine if you had an opt-in list of 50,000 subscribers or more… Do you see where I am going with this? I know of mailing lists that have over 600,000, and although 5,000 opt-in subscribers is a good start, the real money is with the bigger opt-in lists. The bigger the list the more profit is possible.

And this is where your second profit stream will come from. Use your Ezine to sell advertising space to your opt-in subscribers as your list grows. Once people start getting a good response to their ads from your subscribers, they are obviously going to want more. So even if you only charge them $20 per ad per week, with as little as 10 advertisers in your ezine, you could be making $800 per month just from the ads in your ezine! Maybe not enough to retire on, but it’s not a bad sideline!

As I said, these are only two ways to make a profit - there are at least another five ways you can realize your dream of making money online with a profitable computer work at home business.

Profit Marketer Janice Sharman, enjoys helping independent thinkers make the journey from employee to successful computer work at home business entrepreneur. Subscribe to her
eMarketing Success Manual and receive cutting edge information on how you can start and maintain your own Profitable Computer Work At Home Business