Investing in Santa Cruz

It’s a simple fact that is becoming ever more known, investing in real estate makes great money. If you can add to that equation a location that’s highly desirable and has great value for real estate and properties then what you have is a sound investment. One that will continue to show a profit for the for seeable future. There are few of these places in North America and most of them are heavily seasonal. The trick is to find one that has mass appeal year-round. Well look no further, Santa Cruz in beautiful California is the place.

Whether renting or flipping, Santa Cruz offers an impressive home package. The famously beautiful weather is a great place to start when considering the list of bonuses and advantages that Santa Cruz brings to the table. However, the amazing weather works in conjunction with the bounty of nature to offer a truly “active” lifestyle. Santa Cruz is noted for its surfing.In fact it was known to be one of the first areas surfed in California, and is home to several surf and skate companies that are known around the world. Another notable attraction is the Santa Cruz Wharf, and the Santa Cruz Beach Boardwalk; the oldest amusement park in California.

These attractions and recreational options have created an excellent atmosphere for home investment. Such a desirable area always has a need for quality rental properties, and the home sales market is thriving as an abundance of home buyers are always ready to snatch up new homes that become available. This is also a great area for vacation rentals as Santa Cruz is a noted vacation destination. This area also has a bustling economy and a great education systems that includes the University Of California, Santa Cruz, a college that is modeled after the great universities of England, Cambridge & Oxford.

Santa Cruz simply offers a fantastic residential investment opportunity. For those seeking a great home investment or a income-generating property, take a look at Santa Cruz.

CJ deHeer is a certified REALTOR;® specializing in the Santa Cruz real estate market. For access to some of the most stunning coastal properties check out http://www.cjdeheer.com

How to Get the Best Renters Insurance Quote

If you rent a house or apartment, and want to protect your possessions, you need to get renters insurance because your landlord’s insurance won’t cover them. Here’s how to get the best renters insurance quotes.

Why Get Renters Insurance?

Renters insurance will cover your personal property from such hazards as:

* Fire or lightning

* Windstorm or hail

* Smoke

* Vandalism or malicious mischief

* Theft

It will also cover you if …

* A guest is injured while visiting you in your home.

* Your property is stolen from someplace other than your home.

* You damage your landlord’s property and have to pay for repairs.

* Your rental apartment or home is damaged and you have to pay to live somewhere else for a while.

Take an Inventory

To get the best renters insurance quote you need to figure out how much coverage you need. As a renter, you may not think you have enough possessions to make getting insurance worth the money. But sit down and think about how much it would cost to replace your

* Clothes

* Furniture

* Computers, televisions, and other electronic equipment

* Kitchen supplies, such as dishes, pots and pans, silverware, and utensils

* Towels and linens

* Recreational equipment, such as bikes, skis, and camping supplies

* Other items, such as books, jewelry, DVDs, and CDs

Make a list of all the items you own, including serial numbers and purchase price where possible. This list will help you figure out how much coverage you need.

Get Quotes to Compare

Once you know how much coverage you need you’re ready to get some quotes.

Begin by visiting insurance websites on the Internet. On many sites, you can fill out one form and get fast quotes from multiple companies. Some sites even have a chat feature so you can get answers to your questions from an insurance professional. (See link below.)

Ask about Discounts

The best renters insurance quotes will include discounts such as:

* Multi-policy discount, if you have your auto and renters insurance with the same company.

* Non-smoker discount, if no one in your residence smokes.

* Safety and security discounts, if your residence has deadbolts, smoke detectors, burglar alarms, or other safety devices.

Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to get the best renters insurance quotes from top-rated companies and see how much you can save. You can get more renters insurance tips by checking out their “Articles” section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on getting the best renters insurance quotes.

My Sales Funnel Theory of Article Marketing III

OK, I could have stopped there - but I am not going to. I really want to get a point across.

This whole thing is about the sales funnel - not the article marketing - the article marketing is the entry point, the fuel for your sales funnel - the whole point is the end product.

You see, most people start their sales funnel with their smallest item. That sounds natural, right? In fact, that’s what I did. Why? Because a) I didn’t know any better and b) I couldn’t do anything else.

That’s right - I didn’t have a $5000 coaching program. Why not? Because I didn’t have anything to teach anyone. But once I had sold 1500 books at an average of $20 each - then I had something to teach someone.

Now maybe you are already an expert in your field. If that is the case - great - start at the big end of the funnel, please.

But back to my sales funnel idea. Most people start with their smallest item. They write a 10 page free ebook. Then they scramble for a $10 ebook that will meet the needs of the people who downloaded the free ebook. Once they have some buyers for that, they create a $47 product - and so on up the sales funnel.

Like I said, that is what I did. And that is what I teach in my own coaching program. Why? Because when you start out you have nothing to work with - even if you niche is psychology, for example, and you are a PhD 3 times over - when you first start your sales funnel, you have nothing, right.

By the way, the internet is a great leveler, isn’t it? It puts the 3 times PhD on the same level as the grade school drop out.

Do you want to learn more about how I do it? I have just completed my brand new guide to article marketing success, ‘Your Article Writing and Promotion Guide’

Download it free here: Secrets of Article Promotion

Do you want to learn how to build a massive list fast? Click here: Email List Building

Sean Mize is a full time internet marketer who has written over 900 articles in print and 9 published ebooks.

Precautions To Take When Purchasing a Property

Though a sale contract can be signed, the property is not legally owned till the deal is fully closed and you get (symbolically) the key of the property. Thus, the property of the house is perfected when you take possession of the property and when you are legally entitled to take that possession. It’s not enough with the sale contract, you need to actually move in.

Property And Possession

Transferring the ownership of real estate requires great formality. In order to rightfully own a house you need not only to possess it but also to have a legal title over it. This title will be the consequence of a sale contract, a donation, an inheritance, etc. On many places, it is even possible to obtain such title by the continual and uninterrupted possession of a property for a long period of time.

Thus, possession is not the same as property and even if you possess a property, there is no guarantee that you rightfully own it. Tenants recognize the ownership of the property on the head of the landlord, they possess and enjoy the property but they don’t own it. The consequences of this distinction are very important when it comes to the precautions you need to take when purchasing a property. The risk is to purchase a property from someone that doesn’t own it or from someone that is subject to a court process.

Thus it is important for you to go through all the details about a property and request information from public records and registries so as to make sure that the property is rightfully owned by the one claiming to own it and that there are no processes going on that may jeopardize the transaction or eventually put in risk your ability to keep the property. The aid of a lawyer or a trusted real estate agent is a must in these cases.

Financing Problems

You need to make sure that the money will be ready when it comes to perfect the sale contract. The reason for this is that a pre-approval for a home loan does not necessarily imply approval and thus, the deal may fall at the last minute because the borrower doesn’t qualify and consequently doesn’t have the money needed to pay the seller.

This is not such an uncommon situation. There are many deals getting blocked every week due to failure to obtain finance. Most sellers would be willing to postpone the transaction for up to a month so as to give the buyer enough time to obtain a loan from another source. But if the situation can’t be modified, then the deal will hopelessly fall with loses for both parties in terms of time and thus, money.

Sarah Dinkins is an Expert Loan Consultant at Badcreditfinancialexperts.com where you can find other financial articles.

Mortgage Refinance Information – Avoid Costly Mistakes Save Thousands

If you are considering refinancing your home mortgage you can save yourself a lot of money if you go about it correctly. Many homeowners refinance their loans to get a lower mortgage rate or cash out equity in their homes. If your financial situation has changed since you purchased your home you could qualify for a much better loan; here are several tips to help you decide if mortgage refinancing is right for you.

Depending on how long you’ve had your mortgage, you can borrow against the equity you have built in your home. Many homeowners build equity quickly due to rising property values and cash back refinancing is usually a more affordable option than a second mortgage or home equity line of credit.
When you refinance your mortgage at a lower interest rate you will not only lower your monthly payment but pay significantly less to the lender over the life of your mortgage. If you are unable to qualify for a lower mortgage rate you can still lower you monthly payment by extending the term length of your mortgage.

The first step in refinancing your mortgage is to shop for a lender that offers competitive loan packages that do not include Yield Spread Premium. If you accept a mortgage that includes Yield Spread Premium you will pay a much higher rate unnecessarily. Yield Spread Premium is the retail markup of your mortgage rate to boost the loan originator’s commission at your expense.
Homeowners who learn to recognize this markup of their mortgage interest rate can negotiate with the lender to avoid paying it. You can learn more about negotiating for the most competitive mortgage rate including costly mistakes to avoid with a free mortgage tutorial.

To get your FREE six-part Mortgage Refinancing Tutorial, visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: “Mortgage Refinancing - What You Need to Know,” which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.

Claim your free mortgage refinancing tutorial today at: http://www.refiadvisor.com

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The Art of Getting A Loan Officer Referral

Generally you can tell how well a loan officer runs his business by the amount of referrals he gets for new loan applications. Successful mortgage professionals tend to get a large percentage of referrals give to them by former customers and referral partnerships with real estate agents, attorneys, financial planners, etc.

Mortgage professionals that are struggling tend to have very few, if any, loan officer referrals. They typically generate almost all of their loan business from prospecting. And while prospecting does have its place and is very important, creating a system that produces loan officer referrals should be the top priority.

Why such focus on getting referrals?

They are easier to work with. Which loan would you rather have? Loan A was generated from a prospect call on one of your classified ads. Loan B is a referral from a satisfied previous customer of yours.

Loan B of course! From the outset, the prospect from Loan A doesn’t know who you are, and you don’t know them either. There is no trust formed yet.

In the case of Loan B, you have already been pre-sold by your former customer. Before you even meet, you will have already developed a high level of trust with this person.

So how do you go about getting more loan officer referrals?

1. Ask for them. It’s amazing to me how few mortgage professionals ask for referrals. You may still get a referral or two here and there, but you drastically increase the chances of receiving referrals by just asking for them. The worst case scenario is that the person says no. So what? Maybe right now they just don’t know anyone.

But then again, maybe they do know someone. The point is that if you don’t ask, you will never know.

And asking for a referral doesn’t have to be a difficult or unpleasant task. Don’t ask for a referral in the sense of asking for business. Ask in the sense that you would like the opportunity to help someone out in a field that you are an expert in.

DON’T SAY: “My goal is to close ten loans this month. Do you know anyone who may need to get a mortgage?”

DO SAY: “My goal is to provide not only you with professional financing assistance, but also your friends and family. Do you know anyone who may need help with a financing situation?”

2. Provide awesome customer service. And to me this basically means keeping the client informed throughout the financing process. I know of too many originators that only talk to their customers at application and at close. Maybe once or twice during the process to get a updated pay stub or bank statement, but that’s about it. You want to do your best to take away as much of the stress involved in the mortgage process as possible.

If your service stinks, you just won’t get any recommendations. Don’t just see the current customer. See all of the people that this customer is involved with on a daily basis. Good or bad, he’s going to talk about you. Providing stellar customer service ensures that people are saying positive comments about you.

3. Ask in different ways. Besides asking more frequently, you need to ask for referrals in different ways. You can ask for a referral in person right after the application. Or maybe mail out a survey asking for referrals. Or do a post closing phone call to ask for referrals. People respond to differently to each form of communication. By offering more avenues of receiving referrals you will increase your chances of receiving them.

How many referrals did you receive last year? The amount of loan officer referrals you got is a fair barometer of the direction your business is heading. By following the tips I suggested and making referral generation a higher priority, you can have a successful loan officer career closing more loans with less effort.

Joe Pahl

Want to learn more about how to get more referrals and increase your monthly commission checks? Go to http://www.loanmakergold.com/ecourse.html to find out about autoresponders PLUS six other marketing strategies loan officers can take to guarantee an awesome year.

So You Want To Be A Dentist… First Step- PASS THE DAT

If you’ve decided to make dentistry your life-long passion, you need to pass the DAT (Dental Admission Test) before you can even begin to spend the rest of your life with your hands in somebody else’s mouth. But when should you start preparing for the DAT? Should you wait until you graduate from college or should you be getting ready sooner than that? Chances are that if becoming a dentist is your goal, then you’ve already started the preparation work. But you should probably take the DAT test between your Junior and senior years in college. Give yourself time to retake the test if needed. However, you should know beforehand what to study. Let’s take a look at how the DAT is broken down.

But first, let’s take a better look at what you’re getting yourself into.

What Is The DAT?

The DAT is broken up into four key sections: survey of natural sciences, perceptual ability, reading comprehension and quantitative reasoning.

Survey of Natural Sciences - This section is broken up into three sub-sections: DAT biology (40 questions), general DAT chemistry (30 questions) and DAT organic chemistry (30 questions). So in other words…take a lot of science classes as an undergrad. This section of the DAT test takes 90 minutes.

Perceptual Ability - This section of the test is what’s known as “seeing outside the box.” Perceptual ability is designed to test the student’s ability in dimensional manipulation and special reasoning.

Reading Comprehension - This section of the test is divided into three reading passages followed by questions about each passage.

Quantitative Reasoning - This section is basically all of the math you’ve ever been taught condensed into one test. Special emphasis is placed on algebra, critical thinking (word problems), fractions and trigonometry.

Reading Comprehension - Measures the student’s ability to interpret and understand relevant reading passages and scientific concepts. Time for this section: 50 minutes to answer 45 questions.

What Is The Purpose Of The DAT Test?

The Dental Admission Test is designed to measure three aptitudes, including:

* General Academic Ability

* Comprehension of Scientific Information

* Perceptual ability

While all dental schools require the DAT, admission boards consider other factors. So remember to take as many relevant classes while in undergraduate school, even if the material covered in those classes won’t be represented on the test.

http://www.audiolearn.net/dentistry.htm
http://www.audiolearn.net
http://www.audiolearn.net/dat.htm

My Sales Funnel Theory of Article Marketing II

So now we have established that you are not article marketing for traffic. You are article marketing for the relationship. The relationship is what you are building.

I would far rather have 100 lifelong customers than 10,000 one time sales.

Think about this.

Your sales funnel:

1) $10 ebook

2) $47 ebook

3) $97 ebook

4) $497 course

5) $5000 event

6) $5000 per year in coaching for life (say $50,000 - 10 years)

If 100 people get into that sales funnel, and go all the way - you make $55,561 per customer - which is $5,556,100 as the lifetime value of just 100 customers.

If you sold 10,000 people your $97 product up front - you only make $970,000. Do you see the difference?

And that is what you do with most traffic, with most systems. But with article marketing, you are building a relationship - and that is the important part.

So the article marketing funnel looks like this (even before they buy anything - remember, I do not even want a sale right away, I want the relationship).

1) The read your articles

2) They like your articles

3) They become hooked on your articles, and stop reading anyone else’s articles.

4) They click through to your link

5) Instead of more articles - they find a free offer to download a free book from you

6) That is irresistible to them - so they ‘buy’ the free gift (they are exchanging their name and email for the gift).

7) Now they are a customer, and not a visitor. This is the important part. The average person who visits a sales page cold buys at the rate of less than 1%, right (don’t believe me, check your visitors for last month and your sales). The average buyer on your list buys at between 10% and 20%.

8) Now you have to deliver the best sales funnel on earth - and get them to demand that you give them lifetime coaching for $5000 per month.

Do you want to learn more about how I do it? I have just completed my brand new guide to article marketing success, ‘Your Article Writing and Promotion Guide’

Download it free here: Secrets of Article Promotion

Do you want to learn how to build a massive list fast? Click here: Email List Building

Sean Mize is a full time internet marketer who has written over 900 articles in print and 9 published ebooks.

That Darned Coke Machine

I’ve always thought of myself as a person interested in almost everything and may have been born with that trait. Of course Dad was like that and he may have passed some of that along to me - if not through his genes then certainly on the many projects we tackled together.

When I was really small, maybe three or four, Dad told me he could have one of his old cars up on blocks working on something underneath and I would be right there with him watching his every move. He said he would need a tool and turn around to get it or ask me to get it for him and I would have the exact tool he needed in my outstretched hand as if he had communicated that to me telepathically. He said I just seemed to know what he needed without being told.

Several years later I was in the break room at the north end of the first and second grade school building where there was a red pop machine and several kids my age milling around. The machine was the type that dispensed a six-ounce glass bottle of Coca Cola from the top.

Upon closer inspection the mechanism was simple in that it required a dime to be inserted into a narrow slot on top then rotate a large handle to expose the next bottle at the bottom of a recessed opening. The individual seeking the coke would then insert his hand into the five inch hole and retrieve the cold bottle of soda pop then let the handle return back to its home position.

Once in a while, during a recess or before class, a teacher or one of the kids whose parents had money would purchase a coke and drink it while I watched. They would always catch my stare as if to wonder, “What’s that kid doing staring at me?” Or to wonder if they should offer me a drink or to question if I was staring at them for another reason, especially if the person was a girl. My stare would have been that intense.

I’m not sure why I would have waited for that particular moment and not have tried sooner. Perhaps it was my first day in school or it was the first time I had been in the break room. I just don’t remember. But one day I decided to get closer to the situation and actually climbed up on the machine where I could observe the action then watched closely as a little freckled faced girl came in and stuck a thin silver dime into the slot on top and turned the handle.

From my vantage point I saw the mechanism at the bottom of the hole began to operate and the bottles began to rotate around until one of them was directly below the opening and the little girl reached in to retrieve her bottle of pop.

With the same determination I had displayed helping my dad with one of his old cars, I paid particular attention to the relationship between the lever and the position of the mechanism at the bottom of the hole restraining the next bottle as the little girl removed her soda pop and released the lever.

My interest was bumped to another level when I noticed a small time delay before the opening closed up and also saw another bottle of pop sitting there ready for the taking. But before I could get my hand in there and retrieve the bottle the mechanism closed up, locking the next bottle in place.

Still there was hope. If I could just get my hand in there a second sooner and retrieve the bottle before the lever closed completely then the little girl would not be the only one to have an ice cold six ounce bottle of Coca Cola.

Thinking that I continued to watch curiously as another person, a heavyset kid about my age approached the machine and placed his dime in the slot and pulled the lever. We exchanged glances as he removed his coke and that might have taken up some of the delay time I needed before the mechanism closed on the next bottle. But I didn’t think about it at the time and went in after what I thought would be a free bottle of soda pop.

I felt my fingers wrap around the cold neck of the next bottle and was about to pull it free when I heard the dreaded clunking sound of the mechanism as it released and closed on my wrist. My hand was trapped in the space wrapped around the next bottle of Coca Cola and I was stuck like a rat in a mousetrap and just like the rat, there was no amount of wiggling that could free my hand so I just lay there and waited.

Soon a crowd started to gather along with some of my friends. One of them lived across the street from me. He said, “You dumb shit!” Another one insisted, “I’m going to kick your butt when you get out or here.” Others just glared at me, not believing someone they had been seen playing with would pull such a stunt - to get caught with their hand in the cookie jar.

Many of them were just like me. They didn’t have any money but there were other ways to get a soda pop than sticking your hand in a pair of handcuffs and throwing away the key. Perhaps they were smarter than me, I didn’t know. All I knew was they were free and I was not.

By the time the school bell rang, the room was bulging with first and second graders and several teachers. And once the shock wore off, one of the teachers saw my predicament and sensing an immediate danger ran to get the principal.

He showed up in a couple of minutes and squeezed through the pressing crowd packed inside the small room attempting to get a look at the crazy kid with his hand stuck in the coke machine.

When the principal appeared in the open doorway, the first thing he did was to instruct the teachers to get their kids to their classroom. “The bell has already rang,” he said, sternly, “and it’s time to start your classes.”

Meanwhile, as the crowd began to thin somewhat, the principal fished around in his pocket and found a thin silver dime: a coin with Roosevelt’s left facing picture on the front side and on the back was a torch with an olive branch on the left and an oak branch on the right. The edge of the dime was serrated with 118 ridges, a diameter of 17.92 mm, a thickness 1.35 mm and is the smallest, thinnest and lightest of all the US coins but I didn’t care about all that. He held the coin between his thumb and forefinger and switched his gaze between the thin piece of silver and me as if wondering if it was worth the effort or was trying to decide which was worth the most - the coin or me. All I wanted was to get my hand out and watched attentively as the principal inserted the thin sliver of silver into the same slot the two first graders had used previously and the same slot I would have used if I had a dime in my pocket.

In a couple of seconds I heard the sound of the coin rake the edges of the slot then clank its way past the triggering mechanism to the holding bin, followed by the anxious sound of the handle rotating and the heat of blood rushing to my fingers when the ratchet released my hand and I was free.

I exchanged glances with the principal again as I massaged my wrist then jumped down off the machine and ran past him through the door and down the hall to my first grade classroom. He didn’t try to stop me but I heard him yell after me. He said, “you do that again and I’ll leave you in there!”

Benjamin J Cox is an author, novelist, poet, speaker, writer and humorist. He has written a book, Insider Dreams, a 911 Novel. He was born on a dirt street in a Waldron, Arkansas, in 1943. He graduated from the University of Tulsa with a degree in Electrical Engineering. He is married with three children, five grandchildren. He is the President of Mayes County Writers Club, the Treasurer of Pryor Creek Investment Club and a member of Will Rogers Toastmasters Club. He is retired and lives with his wife in Pryor, Oklahoma. He like to run, enjoys big band dancing, Speaking before groups, and writes every day.

My Sales Funnel Theory of Article Marketing I

I know this doesn’t read like your normal article on article marketing. But not much of what I do fits into normal anyway.

You see, I think that most people do article marketing to augment their traffic. They have traffic from the search engines, maybe they are paying for PPC, maybe they are doing JV’s. But they are doing article marketing as part of their big picture.

But for me, article marketing is not just another form of traffic. It is the main entry point for my big picture. It is almost like article marketing is my big picture. It is not - it is the fuel for my big picture.

Let me explain - with just about every other kind of traffic out there, you send the traffic to squeeze page, and you get maybe 20% conversion - 30% if you are lucky. Or you send that traffic to a sales page and you get between .5% and 1% conversion on cold contacts. Cold contacts are just about all traffic, including SE traffic, except for referred or good JV traffic.

But with article marketing, you don’t send them to a sales page. You don’t send them to a squeeze page hoping they will opt in. You send them to the right squeeze page, knowing that 65% of them will opt in to your what? Sure, you might call it your email list - but it is not really. It is really the carburetor that processes the fuel - but the email list is not the car (as many of the list gurus might lead you to believe).

The car itself, the luxury vehicle is the relationship you build with your leads, with your list. The relationship is what you are building. And you start that with your articles - they read your articles and bond with your style. And that is really cool.

Do you want to learn more about how I do it? I have just completed my brand new guide to article marketing success, ‘Your Article Writing and Promotion Guide’

Download it free here: Secrets of Article Promotion

Do you want to learn how to build a massive list fast? Click here: Email List Building

Sean Mize is a full time internet marketer who has written over 900 articles in print and 9 published ebooks.