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8 Marketing Tips That Can Catapult Your Business Into Success

Growing a business takes time. There are some people who can make a lot of money in a short period of time, but most of the time, these are the people who have a large customer list and have been in business for a long time already.

But if you have neither, then this article will be particularly useful for you. Because inside this article, you will learn 8 great marketing tips that you can use to take your business to the next level. It won’t happen overnight, but with time and a steady focus, it will happen eventually. Let’s take a look at the first tip:

1) Generate leads

You will want to generate leads so that you can follow-up on these leads over and over again to make it easy to close the sale. It’s hard to sell your products in a small ad, therefore you want to generate a lead so that you can present your full sales presentation in future contacts with your prospects. Here’s the next tip:

2) Operate in a niche market

If you try to market to everyone, more than likely, you’re going to have poor conversion rates. If you can operate in a niche marketing and structure your message according to one kind of prospect, then you will have more success with your marketing efforts.

Niche marketing is all about separating yourself from your competitors and marketing to a specific kind of prospect. The more specified your marketing efforts are, the better your results will be when it comes to closing sales.

3) Create a free offer

Everybody loves things for free, so with a free offer, you give yourself the opportunity to generate a lead or inspire people to come into your store. And you don’t have to limit yourself on ways to apply this to your business. Your free offer can be a free report, a free consultation, a free sample of your product, and more. You want to mention this free offer in your ad to get as many people as possible to respond to it.

4) Use a variety of marketing tactics

You want to find multiple ways to get your message out in front of your prospect. You can do direct mail, yellow page advertising, newspaper advertising, press releases, joint ventures, val-pak advertising, and so much more.

The possibilities are endless and wherever you advertise, be sure to include your free offer to generate the most response.

5) Contact your current customers more often

You’re missing out on a lot of business if you’re not contacting your customers on a monthly basis. 80% of all business profits come from the backend, so this is why a strong backend marketing strategy is key.

You can send your prospects a free monthly newsletter, or simply coupons with special offers every month. You always want to find good reasons to contact your customers so that you don’t lose them to a rival competitor.

6) Promote one product a time

When contacting your customers, it’s best to focus on one product at a time. If you have a catalog of products that you sell, this is fine, but you should highlight one product at a time to your customers so that you don’t confuse.

Your opinion has weight in the eyes of your customers, so if you recommend something useful for them, they will take your word for it and purchase the product that you recommended. But recommending more than 1 similar product will only confuse them, so be sure not to do this.

7) Offer a money-back guarantee

You want to offer a money-back guarantee on all of your products. This will only increase your response rates and will inspire trust amongst your prospects. By offering a money-back guarantee on your products, it means that you stand behind all of your products, and it also lowers the barrier to making the sale.

8) Track everything

Testing and tracking is important because you want to know what is winning for you and what is not. This way you can cut out all the losers and only market the winners. This in turn will decrease your marketing costs while improving your profits. So testing and tracking is key.

Use these 8 tips to boost your business now while you still have the chance. They will prove to be very useful for you.

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Jumbo Refinance Mortgage Loans Can Be Approved If You’re Prepared

You are thinking of a jumbo loan for a home refinance while rates are low but you’ve been told, “Do not to waste your time applying. Not now, because the banks aren’t lending!” Most banks aren’t too keen on approving jumbo loans. The jumbo loans are considered a higher risk loan, especially in a stagnant economy. Some banks may offer jumbo loans but their underwriting process is so strict that getting the jumbo loan to the closing table is impossible. There are a few banks that handle jumbo loan efficiently and will hold these loans in their portfolio. Finding this type of bank may be the first step in your quest to have your jumbo loan refinanced. The right bank will have the widest array of terms and have the most flexible underwriting guidelines. There are other points that should be considered in choosing the right bank.Despite the inherent risks posed by higher loan amounts, the basics of mortgage loan underwriting still apply. Like mortgage loans with amounts below $417,000, the 5 Cs of lending remain intact, (capacity, credit, capital, collateral, character.) So what’s different with jumbo loan underwriting?A residential jumbo loan is any home mortgage loan where the loan size exceeds GSE’s (Government Sponsored Enterprise such as Fannie Mae and Freddie Mac) limits. Currently, the GSE’s loan limits are capped at $417,000.00 or $625,500 in Alaska or Hawaii. Any mortgage loan exceeding these limits is considered a jumbo loan. This is of course the first obvious difference between a standard home mortgage and the jumbo loan. With higher loan amounts comes a lower LTV (loan to value) Expect to have at least a 20% equity position on a rate/term refinance.The loan terms will vary from lender to lender and it’s always prudent to look for a lender that has a variety of options that can be tailored for your specific needs, whether you need a 30 year fixed rate, a 15 year fixed rate or a 5/1, 7/1 or 10/1 hybrid ARM or interest only. The interest rates on these higher loan amounts are not as high as some borrowers think they would be. They generally are a little bit higher than conventional mortgage rates and in some cases they may be lower than some conventional loans after their rate adjustments.Many borrowers have unique situations and the bank that you should turn to is one that has a clear understanding of the uniqueness of the higher loan borrower. For example, although many borrowers have a standard salary and W2 income, there are a disproportionate number when compared to lower loan amount applicants that have a W2 income that include bonuses or commissions. With the higher loan values, there are also a larger number of self employed borrowers and professionals. Different calculations should be used for this type of borrower to allow for depreciation, depletion, bonuses and commissions. For a borrower’s best shot at loan approval and efficiency, the higher loan amounts require a bank that has a staff of underwriters and originators who have a higher skill set and proper training for this type of loan origination and underwriting.In order to be approved for a jumbo loan, you must be prepared with support documentation. Income documentation, documentation of reserves, letters of explanation, tax documents, etc. In short, you will need two years tax returns with all schedules, one month’s most recent pay stubs, two months most recent bank statements, schedule of real estate owned, most recent statements of stocks, bonds 401k and IRA accounts. A professional loan originator who is accustomed to this type of loan will give you insight on what documents you need for your application.
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Freelance Photography: How to Begin Your Career

Photography is a vast world. There are many different types of photography and many different kinds of people that enjoy it. It’s a hobby that be relatively inexpensive or one that you can invest a lot of money on. Photos are so special because they give us memories of times and places and events in our lives. We can hold onto these memories forever with a photograph.As much as people love photos, many people love taking them even more. Whether it’s a mother who takes photos at every of her children’s moments in life (first smile, first step, first spaghetti meal) or maybe it’s the father who never forgets his camera for a football or basketball game, or maybe it’s the young girl who loves nature hikes with her camera; these people are not exceptions. They all have an eye for those special moments and they all appreciate the camera’s ability to capture that moment and freeze it in time forever.- What is Freelance Photography?What if you love photography so much you wish you could do it for a living? I mean, you actually get paid for your photographs! But you work solely for yourself, selling each photo or series of photos individually. You don’t have a boss. You work sometimes on assignment and you may sell to magazines. That is freelance photography.Freelance photography may be your entire career or it may start out as something you do in your spare time but begin making money from it. It’s just like freelance writing in this sense that many people turn it into a career and enjoy the freedom of working essentially for themselves on their own time and making money doing something they love doing anyway.- How to Build a PortfolioTo start getting jobs as a freelance photographer, you need a portfolio. A portfolio will show samples of your work. Even if you have never had photographs published or publicly displayed, you can start a portfolio of your best work and then add onto it if you win photography contests or start receiving paid work.- How to Get JobsAs we mentioned, building a portfolio is the first step in submitting your work for pay but when it comes right down to it, it’s the quality of the photo that will determine if you get paid for it. Some people have more of a natural talent for taking great pictures than others but it is a skill that anyone can learn. There are schools dedicated to the art of photography and you can even get a degree in it. If you are just getting started, you can look into classes provided by your local community center or community college. Some cities have photography groups that meet to share photos and tips. There are also many groups online dedicated to photography and freelance photography.You need to view as many famous photographs as possible. Take a look at what is getting published and compare it to your own photos. This allows you to compare and learn from other’s work. It takes more than just point and shoot to get a great photo. You need to learn about focus, lighting, colors and backgrounds and much more.Once you start learning about photography and creating a portfolio, you can start submitting your photos to contests and magazines. Get a list of photography markets and start submitting to ones that accept your type of photos. Don’t expect to make it to the big times right away. Few people actually achieve this but you can start small and eventually make your way into a nice living from freelance photography.

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