Real Estate Marketing: Personal Realtor Marketing Systems Make Good Business Sense

Real Estate Marketing Letters are arguably the ultimate tools for sourcing prospects that lead to listings and sales. Take farming expired listings for example. If you can mail letters you can get listings!Oddly enough, many agents know about expired listings and how profitable they can be, but opt not to pursue them. I’m not sure why, but their failure to act can be your financial gain and windfall!What You Need In a Letter While mailing letters is easy to do, not all letters are effective. The best ones contain enough information to get the writers most desirable response from the readers of them, whether it’s a phone call or acceptance of an offer to see a newly listed property.But if you’re going for the ultimate response, an actual listing, your letter must be outstanding. Hint! A FREE cookie cutter letter just might not do the job if’ you’re pursuing a $3,000,000.00 listing.Now, you can write your own if you’re so inclined, but doing so is a slow process and you may lose valuable time and customers to competitors while refining them. Can you afford that? If not you should consider buying some pre-written letters.Fortunately, there are some pretty good ones available at reasonable cost. You can buy and be using them in the same day. Another benefit is that some are time tested and can be effective in any state, county, or city in the United States. Effective ones can generate a steady stream of warm, responsive prospects month after month; all interested in one thing, listing and selling their properties. It doesn’t get any better than that!Your Real Estate Marketing Letters should at a minimum have your full name, address, and phone number(s), and other contact information. It should be as grammatically correct as possible without sounding unnatural and spell checked to be free of misspelled words.Your letter should also have lots of white space and it should be devoid of long sentences and lengthy paragraphs. Specifically, sentences should be short and paragraphs limited to 2-4 sentences. As an example, every paragraph on this page is less than 4 sentences long.Let’s face it – you need listings. The more you have the more money you’ll make. Good Real Estate Marketing Letters can help you get some!New Agents Can Compete For Business with Effective Letters If you’re a new agent Real Estate Letter Campaigns may be just what you need to jumpstart your business. You’ll end up contacting a lot of “known” sellers in a relatively short period of time. On the other hand, if you’ve been licensed for a while, but don’t have the volume of business that you want a Real Estate Letter writing campaign can supercharge your marketing results.It’s All About Contacts The more people you market your services to the sooner you’ll connect with people wanting to do business with you. Everybody likes doing business with a winner and good Real Estate Letters can help make you one.

Posted in Real Estate | Tagged , , , , , , , , , , , | Comments Off

How Term Life Insurance Quotes Are The Low-Cost Insurance Option

There is no doubt that insuring oneself against death is one of the biggest concerns that people have. The reason is simply that, for many people, it is a way to ensure some financial security for loved ones. Amongst the most popular options is term life insurance, quotes for which are considered the most cost-effective available.There are many different types of insurance policies to choose from, but the structure of term policies ensure low cost insurance premiums that can fit practically any budget. Also, the temporary nature of these policies means the insured party is never tied down to a 30-year contract with the insurance company, as is the case with alternative policies.But as with all financial contracts, there are aspects to this kind of life insurance that should be considered before deciding if it really suits your lifestyle and coverage requirements.Term Life Insurance ExplainedWith so many insurance policies to choose from, there can be some confusion over just how low-cost term life insurance quotes are compared to the alternative. In fact, this is the original kind of life insurance policy and is, therefore, quite straightforward.For a start, payments are made at a fixed rate over what is known as the relevant period of time. What this means is that for an agreed period, the policy will cover the payer, but once that period ends, the coverage ends. And because the risk of a payout within that period is less than with a universal life policy, a low cost insurance premium is charged.The life insurance term can range from a single year to 10 years to 20 years, and if the insured party dies within that period, the beneficiaries receive payment. At the end of the term, the insured party can opt to extend the coverage. So, the policyholder effectively has maximum control.Keeping Costs LowWhen seeking term life insurance quotes, there is a variety of questions that must be answered that directly affect the premium that the insurance company will set. For the most part, they relate to health and lifestyle, since these are aspects that can directly influence the life expectancy of a person.For example, smokers and heavy drinkers are considered bigger risks by an insurance company, so the premium is going to be higher for these people. But low cost insurance premiums are available to sports enthusiasts, non-smokers, tea-drinkers, and those who have an active lifestyle.Other aspects that will affect the size of the premium charged on the life insurance is age, occupation, medical history and even place of residence. Older applicants will be seen as more likely to pass away within the period, while those who have hazardous occupations or who have recently undergone major surgery (like heart surgery), are also seen as high risk.Disadvantages of Term Insurance PoliciesA key attractions term life insurance quotes highlight are that payment and terms can fit into almost any budget, and that the substantial nature of a payout compared to monthly contributions makes it the most rewarding insurance option.But there are some disadvantages to this kind of insurance policy too. For example, even with low cost insurance premiums, the onus is on the insured party to renew the policy when the term of relevance comes to an end. Should they forget to renew, then they are left with no coverage.In contrast, a permanent life insurance policy runs through until death, so the coverage is constant. Also, this kind of insurance may end with no payout, meaning the contributions are never returned.

Posted in life insurance | Tagged | Comments Off

Film vs Digital

I was reading a piece the other day, written by a photographer who offers both film and digital capture to his customers. I am always interested to hear other professional photographer’s opinions on the subject. I was a film devotee for over 30 years, and only made the switch to digital a little over three years ago.In the piece I mentioned, the photographer/author sited the fact that film is more ‘forgiving’ than digital when it comes to proper exposure. This is certainly true. Especially in the highlights of the image. You can overexpose negative film by more than two stops, and still get details in the highlights.For those of you who aren’t familiar with photo-geek speak, for any given scene framed in the viewfinder of a camera, there is a correct exposure to the light coming from the scene and onto the film, or digital sensor. Over exposure by one “stop” means twice as much light as should be getting to the film or sensor, is getting to it. Two stops over is twice that much more, or four times the amount of light as the correct exposure.Do that to your digital capture and there’s no recovering data from the highlights. Sorry, it’s gone! Actually, positive film, or “slide” film also has a much lower tolerance to overexposure, so not all film is that much more ‘forgiving’. But the point here is… ta DA…”Forgiving”, (and may I finish the thought), of bad exposure!The author of the piece I refer to here also is a photographer in Hawaii, as I am. He writes of how the light here changes so quickly and frequently with the trade winds blowing the clouds over the sun, then away from the sun, etc. And it is true that on many days, especially in the earlier afternoons the brightness and intensity of the sun can vary quite a bit.Personally, my solution is, knowing that about the light and the sun, clouds and trades, 1) be aware of it, and 2) know your equipment so you can make rapid adjustments, and then, 3) make the adjustments as needed!Then there was the assertion that, “Prints made from negatives have more ‘depth’ than prints made from digital files.”As I mentioned, I was a film devotee for over 30 years. And I used medium format cameras using negatives over 3 times the size of 35mm negs. Print quality was one of the main factors that kept me from converting to digital earlier than I did. I insisted on seeing my own images printed digitally, that matched the quality of the prints I was used to from my film processing labs.The simple truth is that prints are two-dimensional. Prints have no depth. What creates the illusion of depth in an image are the contrasts in the image. Shadows and highlights, perspective, and the human mind. It is up to the photographer to shape, frame and capture the elements that create the illusion of depth. That’s why professional photographers create images, while others catch snapshots.The other evening at a meeting with some art directors, when I was asked, “How do you feel about digital? Has the quality caught up with film yet?” I unhesitatingly responded, “It has caught and surpassed film!”Of course I was speaking from the perspective of a professional photographer. When you have a correctly exposed image, and you use state of the art printers, you simply cannot beat digital imaging. My big, medium format negative film prints would start to get grainy at 30×40, but my 6 mega pixel digital images, printed on Epson Stylus Pro printers look tack sharp at 40×55.So, strictly on an image comparison, print to print, film and digital, I would have to say there’s virtually no difference up to about 16×20, or maybe 20×24. Larger than that, digital is superior.All this being said, visual arts are very subjective, and this is my opinion.

Posted in Digital Arts | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

How to Delete History Every Time You Use Mozilla Firefox

We all know Mozilla Firefox is amazing piece of software. It is one of the leading browsers used to surf the internet. The day it was launched, many people around the world loved it almost instantly and of course there is a solid reason behind that. It was light on your computer, had everything already installed, is easy to use and introduced a lot of new features that forced Internet Explorer to play “catch up”.Many people love it for its raw simplicity and the biggest reason that it attracted a lot of attention was that it is an open source web browser and totally free. Although, in the past it used to come with Mozilla software suite, now it comes as a standalone browser for the internet and is definitely equipped with state of the art technology.But, it can be a big hassle deleting history. Especially if you have to delete it on daily basis to avoid getting your PC hacked. Although history proves to be a good reminder of some of the sites you’ve visited, people who like high security love to delete their browsing history regularly. But remembering to do this deleting isn’t always as easy.So why not stop it from recording history?Simple follow these basic steps and get rid of history once and for all and disable it.Open Mozilla Firefox.
Click on the tools button.A menu will slide down and many options will be seen. At the end you will see Options.Click it and a pop-out-box will appear.
There will be many options on top of the pop-out-box.
You will see Privacy tab at the top of the box.Click on it and there you will have the option of never remember history in the scrolling button next to “Firefox will”. By selecting never remember history, your history will never be recorded.

Posted in History | Tagged | Comments Off

Best RPG PC Games 2009

Unfortunately for us RPG PC gamers, 2009 was not as big a year as we hoped. The rise of the new generation consoles over the past few years has meant more FPS and Adventure and much less RPG and good RTS.This is good for some creators like Blizzard who released their massively anticipated second expansion for one of the all time best RPG games for PC, World of Warcraft: Wrath of the Lich King, late in 2008. They also announced that a Diablo III was in the works which created more frenzy in the RPG world.One of the best RPG PC games of 2009 was actually a $20 downloadable game by Runic Games. The game is named after the town it is set in, Torchlight. It is a fantasy RPG world with the usual style of your hero must save the world from the evil demon dudes. The player is provided with three classes to choose from; Destroyer (hand to hand), Alchemist (magic) or Vanquisher (ranged). Each class has their own strengths and weaknesses and are designed to suit each players style. The game is currently just single palyer offline only, however the producers have hinted of an MMORPG to be released in the future.The second best rpg pc game 2009 was Dragon Age: Origins. Brought out by the guys who made us Mass Effect and Star Wars: The Old Rebiblic, Bioware were already experts in the RPG genre. Once again dark hordes of demon’s are invading the good noble lands and your hero must save the world. Bioware have taken this to the next level though by adding their own twist to the races, culture and overall feel of the game. One of the biggest additions this game brings to RPG is the in depth relationships you can form with your companions. As with the fallout game’s each decision you make could have a hug impact on how the story might pan out for you. This is an awesome game that must be played by fantasy RPG lovers.Other games that came out this year that are worth playing are Risen, The Last Remnent and The Dark Eye: Drakensang. All are Fantasy based games. From something from the sci-fi genre, Fallout 3 Game of the Year edition came out this year. This is a good opportunity to pick up one of the best pc games along with it’s four expansions in one package.Now next year is proving to be crazy in regards to RPG PC game releases and so is 2011. Sequel titles to look forward to are Mass Effect 2, The Witcher 2: Assassin’s Kings, Guild Wars 2 and Fallout: New Vegas (a Fallout MMORPG!). Other titles are Wow’s third expansion Cataclysm and the first Dragon Age: Origins expansion – Return to Ostagar.

Posted in Uncategorized | Tagged | Comments Off

Do Home Health Care Products Allow You to Adjust Your Home to Meet Your Need For Successful Aging

Many home health care products promote independence and freedom for those individuals that require assistance with any function they are no longer capable of doing for themselves. These products actually allow an individual to successfully age in place.There are a variety of home health care products on the market today. For every condition or symptom, there is a home health care product to offer a solution. The key to successful aging in place is for the consumer to become aware of those solutions.Let’s start with the basic activities we perform each day. Bathing, dressing, brushing your teeth, shaving and combing your hair are functions we perform everyday and take for granted. For some, the ability to do these tasks can feel as if performing that function is insurmountable. Finding the right home health care product can make performing that task possible.It is important to note here, that many well meaning care givers would rather perform the task for their aging loved one, instead of painstakingly watching an individual attempt to perform the task themselves.
Please remember, that self reliance is important to an individuals self esteem. The tiny victories of being able to perform the simplest of tasks can have an overwhelming boost of self confidence for your aging loved one. Celebrating those small successes can lead to confidence to attempt a larger task.Every task an individual can do for themselves promotes an increase in building strength and endurance as well. Caregivers do not be so quick to do things for others. Allow, encourage and promote independence as you are caring for your aging loved one.If you assess that there is a function or task that is difficult for your aging loved one to do, it is time to investigate the variety of home health care products to find a solution.Safety is also a major concern for those that want to age in place. Many aging seniors have a fear of falling. This is a justifiable fear as falls rob the aging seniors of their independence and freedom. There are a variety of home health care products that promote safety and security for successful aging in place.Something as simple as raised toilet seat can make a difference in the ease of getting up and down with out having difficulty. Grab bars strategically placed in the bathroom and bedroom can promote confidence and insure safety. Scald guards in the shower can prevent burns, non slip mats or strips are proactive measures to prevent a fall.Today’s homes were built for the young and growing family. The builders never considered the aging individuals that would remain in those homes long after their families were grown and gone. Today’s seniors want to remain in the comfort of their homes, and age in familiar surroundings.Home health care products allow you to adjust your home to meet your needs and achieve successful aging in place. There are a variety of products ranging from portable ramps to stair lifts to promote safety and mobility.Although safety and independence are the key factors for utilizing home health care products, it is also important to remember the social and recreational side of your aging senior.It is important to everyday life to find joy, happiness and recreation. Many aging seniors have interests or hobbies that have helped them, not only enjoy life, but help pass the time involved in an enjoyable activity. For some, the simple act of writing a note can be perceived an impossible task. There are writing instruments and even scissors adapted to suit almost every physical condition.There are large print cards and games for the vision impaired and adaptive equipment for making reading a book easier.There are solutions to making physical transfers easier from one place to another, adaptive devices that decrease pain and improve comfort. Caregivers need home health care products as well, to make their lives easier. When you are dealing with a loved one, nothing is more unnerving than not to be able to make our aging loved one comfortable. There are inexpensive assisted devices that can promote comfort and decrease stress.Home health care products promote independence for successful aging in place. Take time to assess, communicate and investigate solutions to problems that present themselves to you. There is a home health care product out there to meet the needs of you aging senior.

Posted in health care | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

The Small Business Loan Calculator – Uses and Benefits

A small business loan calculator is a very useful tool when it comes to a wide range of investment opportunities. Mortgage calculators such as this can be found and put to good use on just about every property-related website positioned on all sides of The Mississippi; whether looking to invest in home equity loans or commercial loans, being able to pinpoint payments down to the very last penny is what really matters.Helping investors and homeowners crunch the numbers for decades, solving for X within mere minutes can help to save time, trouble, and aggravation. Small business loan calculator formulas are relatively simple in terms of online application, which is much easier than scribing in order to balance each equation.SBA loans, for example, can be accurately figured upon by typing in the total mortgage amount, or PV, which equates to present value. The letter N stands for the number of payments being made on the mortgage, while the interest rate is represented by the letter I. The same formula applies to home equity loans as well, as most investors aspire to own one or both. By simply plugging these numbers into a small business loan calculator, the monthly mortgage payments will be determined.Depending upon the different types of commercial loans applied for, the numbers may change from month to month or quarter to quarter. Adjustable commercial mortgage rates will obviously differ from fixed rates, as well as a number of other factors that can help to assess a variety of conclusions and related situations. Mortgage calculators with the x^y function will help out immensely, as the symbol between the two letters represents the exponent, or to the power of whichever variables are attempting to be solved.A small business loan calculator is capable of doing much more when it comes to figuring out commerce property mortgage insurance, home equity loans insurance, and property taxes as well. Investors who are successful in landing and using SBA loans wisely will likely have an opportunity to refinance further down the road.The before and after figures may mirror the difference between night and day; establishing the groundwork for many commercial loans can be a bit more costly at the onset, yet all of this should change for the better over time. Returning to a small business loan calculator and seeing the results when it comes time to refinance will often be cause for celebration. The commercial mortgage rates should drop significantly, as well as many other monthly expenses related to the original loan.When dealing with SBA loans in particular, affiliates of government lending practices are more than willing to reward those who are able to keep pace with all of the monetary loan specifications. Finally reaching the commercial loans refinance phase is a testament to the hard work put into the process, some of which can be attributed to using a small business loan calculator along the way to keep things in check.Even after getting refinanced, mortgage calculators are still a necessary part of the process, especially when thinking about reinvesting accrued capital in other areas. The facts and figures will still be important enough in terms of how much money stands to be made from each individual investment. With the home equity loans segment still in play, it’s a good idea to play with the numbers to see how using both types of refinancing can benefit future investment opportunities. A small business loan calculator can be used to tally all of the above.

Posted in Finance | Tagged , , , , , , , , , | Comments Off

Keep These 5 Rules in Mind for Successful Commercial Designing

Who doesn’t want an excellent commercial design? Excellent commercial design is important to maintain the reputation and brand image of the company. As it is said, the first impression is the last impression, a good impression always attracts potential customers. It’s obvious no one would ever love to walk in a congested environment with bad lighting.

Bad design and interiors deteriorate the productivity of the employees. It can be a confusing task when planning a commercial designing project for the first time, hiring expert Commercial Architects Melbourne can be the best option to know about the latest trends and perfect matching designs.

This blog is about some basic rules to consider for making the commercial project successful.
Keep structures versatile

When it comes to transforming any commercial space, focusing on convertibility and keeping office interior decor versatile can be the best option. It can be done by implementing a versatile structure to spaces such as cafeterias, offices, and many more. Everyone gives preference to comfort hence, focusing on spatial and versatile design will help to complete commercial designing projects in an optimal way.

Consider the latest technology implementations

Technology plays a supportive role to enhance the commercial designing project. Moving forward with the latest technology is important to execute any business smoothly because technologies make the work much easier and comfortable for the employee as well as organizations. Implementing centralized and decentralized digital control is much needed in any commercial design.

Keep office aesthetics updated

Good aesthetics and interiors impact the overall representation of the office and make the place functional and attractive. Hire a reputed designer for modern d├ęcor and furniture ideas. Hiring a designer reduces half of the project stress and helps to meet the contemporary fashion and latest trends. They can help to choose the perfect theme that blends well with the office decor, atmosphere, and colour.

Provide personalized space to prevent congestion

Majority of customer prefers personalized space such as different seating to seat comfortably and do the personal work. Personalized space is one of the crucial factors for customer-based service offices such as hotels and cafeterias to provide an ambient and comfortable place.

Always keep safety first

Safety is the central feature of every construction and designing project. Hence, it’s the high-priority factor to keep the aesthetic and functional safety at the working place. It can be compromised for interior decoration and design purposes but it’s not at all affordable to compromise for safety purposes.

Following the above useful ideas can easily help in the successful completion of a commercial designing project in a safe and pleasing way. In today’s, modern construction, reliability, and comfort is also an equally important factor.

Final words,

It’s important to hire the experienced Building designer Melbourne to make the commercial designing project worthy. Hope the above rules helped you to scale up your interior designing projects with a better outcome. Follow the above tips for any renovation or remodelling project and surely you will get award-winning and achieve a better office experience.

Posted in Uncategorized | Tagged , , , , , | Comments Off

How Long Should A Laptop Battery Last And How To Increase the Battery Life

No matter how expensive your laptop is, its battery won’t last more than four years. According to experts, a new laptop battery gives you as many as 1,000 cycles. In other words, you can charge and recharge the battery up to 1000 times. However, many factors play their role to increase or decrease the lifespan of a laptop battery. For instance, the material used for producing the battery substance. So, if you want to ensure that your battery stands the test of time, given below are some of the tips that can help.

1. Install a good battery monitor

If you are looking for an alternative, you can choose from tons of third-party utilities. Basically, the software programs help you monitor your laptop battery. These programs have no compatibility issues with any type of laptop.

Using these tools, you can find out which programs are using most of the battery power. You can then close the unwanted programs to save battery power.

2. Install maintenance apps

You can use some manufacturer-recommended maintenance tools for maintaining your laptop battery. Based on the type of your battery, you will receive different suggestions. Apart from this, your operating system will come with a built-in utility that can help you keep an eye on your battery condition.

3. Maintain your device temperature

You should try your level best to ensure your laptop maintains its temperature. In summer, electronic devices tend to heat up, which negatively impacts the life of the battery packs.

Therefore, you should make sure that there is a little bit of space between the bottom of the device and the table you have placed your device on. Besides, the ventilation system of your device should be working properly. For this purpose, regular cleaning of your device is quite important.

4. Don’t use maximum brightness

When your screen brightness is at maximum level, your device will use the maximum power. So, turning down the brightness is the first thing you can do to save power. Also, it is not a good idea to keep the brightness at max level as it can have a negative impact on your eyesight.

So, by following these simple tips, it will be easier for you to extend the life of your laptop battery.

5. Change the power-saving settings

Before you do anything, go into the power options of your laptop. If you are using Windows operating system, you can go to the control panel to access the power options. The control panel can be accessed from the Start Menu.

Some users have MacOS. If you are one of them, you need to access Energy Saver, which is found in the System Preferences. If these values are set to default, your computer will use the least amount of power.

So, what you need to do is make small changes to the settings so that you achieve a balance between power and performance. For best performance, there is always the choice to connect your device to the AC outlet.

Posted in Uncategorized | Tagged , , , , , | Comments Off

The Best Ways I’ve Found To Make Money Online From Home

Have you been looking for a way to make money online without having to know much of the internet stuff? Wanting to work at home but don’t know how to do it? Here is the key gem: Between all the tricks on joining the craft beer movement, opening a gallery or being a tour operator, you will find clever advice that anybody can apply to make money online quickly.

The most basic way to make money online is through affiliate marketing. It is really easy. Basically you set up an ad for someone she is selling something and when they click through and buy it, you make money! Simple enough if you have no technical skill at all. Here are some simple tips on how to earn using affiliate marketing:

Drop-shipping is one of the most useful methods. You select a product in which you believe there is a demand and then drop-ship it to your customers in small quantities. You make money from the difference between what the stock costs and what you sell it for. For this method, it is important to note that you may need to make space for your inventory on your premises or perhaps wait until you have a build of an inventory before you can start drop-shipping; but the advantages make it a good choice for those seeking to make money online from their spare time.

Paid surveys are a great way to earn some extra cash. These can be accessed easily and there are many sites where you can get paid from spending your spare time. There is one site, though, which is said to pay $200 a week for twelve weeks straight – you can’t beat that kind of money making potential. With paid surveys, it is important to note that the sites are generally scams, and that you need to do some research to ensure you are making good money making opportunities.

Finally, a passive income generating method that can bring in money on autopilot is eToro’s Forex trading. This works by allowing you to invest on a demo account and earn money from the performance of the currencies being exchanged. The best thing about this system is that it allows you to do virtually anything and still see profits coming in. eToro has an average starting price of less than $50 and can generate an income of five figures in just a few months.

These are the best things I have found for making money online from your home. Though none of them are as good as, say, a paid-online course, they are much more affordable and can provide a valuable education to start earning money immediately online. With just a little research, you should be able to find a legitimate opportunity to get paid to learn the basics of making money in the currency markets. This is a truly remarkable opportunity.

Posted in Uncategorized | Tagged , , , , , | Comments Off