There are many mortgage lead companies out there to choose from. Each with their own individual way of obtaining leads to sell to loan officers. But remember, you get what you pay for.

Lead companies sell their leads in a variety of ways. Some allow you to cherry pick, some allow you to set up a filter, and some only sell in bulk.

The pricing on leads from company to company varies also, as you’ll see, it depends on what you are buying.

Some lead companies buy their leads from other companies and sell them in bulk, or recycle them at a profit.

Some lead companies sell their leads “fresh” or “real time,” meaning the lead is brand new. Approximately ten minutes old by the time it reaches you.

When you are buying leads that have been recycled, you will most likely get a lot of them. Lets suppose you have one hundred dollars to spend on recycled leads. This will get you about fifty leads at two dollars a piece. This is a lot of leads to work with. However, the quality of the leads will leave a lot to be desired. You will also find that you wasted not only your money but your time as well. Calling fifty people takes a while.

Now, if you decide to buy “real time” leads, that same one hundred dollars will get you any where from five to eight leads, but remember, these leads are fresh, they are hot off the press, so your chances of closing a few loans are much better than if you bought recycled leads.

Remember. You get what you pay for.

Also, when you are buying leads, it is important for you to know where the leads are coming from.

Have you ever had the painful experience of calling someone, and having them say to you; You are the twentieth person to call me this week. Or, I applied for that months ago, I closed the loan last week.

I was a loan officer for a number of years and I know the feeling.

When you hear responses like the ones you heard in the above paragraph, it should be an indication to you that the leads you bought have been recycled.

Most likely they have been passed around from lead company to lead company.

When you are doing your research for a good lead company, make sure you talk to a representative from that company, and find out where the leads are coming from. If the representative can’t give you a clear answer than move on.

The best lead companies to deal with are the ones that own and operate their own sites where prospects can come on and fill out on-line applications. This way you know exactly where the lead is coming from, and you don’t have to worry about being the tenth person to buy the same lead.

If you decide to buy leads from a lead company, make sure you do your research. Research is the key. You have worked hard for your money, so make sure the leads you buy give you a good return on your investment.

This article may be reproduced by anyone at any time, as long as the authors name and reference links are kept in tact and active.

bio = Jay Conners has more than fifteen years of experience in the banking and Mortgage Industry, He is the owner of http://www.jconners.com, a mortgage resource site, he is also the owner of http://www.callprospect.com, a mortgage lead company.

Popularity: 4% [?]

When you establish a relationship with a customer, you want that relationship to have many levels, not just one layer from one sale.

We all have our sales goals to meet on a weekly, monthly, or quarterly basis. This doesn’t mean that once we get a sale out of our customer, that we hurry them out the door and move onto the next one.

Build a relationship with your customer. As you close the deal on your sale, talk to your customer, find out what it is they need and can use that you can provide them with.

People love to talk about themselves, so it shouldn’t be too hard to get them talking.

Ask about their job, their family, their pets, their hobbies, etc.

For instance, when I was in banking, working within the branch network and someone came in to open a checking account, I would sit them down at my desk and profile them.

How would I profile them?

I would take down their information and put it into my computer. By doing this I was able to see if this customer was new to our bank or an existing customer.

Now, if they were a new customer, and came in to open a checking account, I could safely assume that their savings account, investments, and loans were at another bank.

This is about the time I would start my profiling. I would ask about the other institutions that he did business with and compare the benefits and features of our products to the ones he had.

I also knew that there was a reason that he decided to open an account with me, perhaps he just wasn’t happy with his existing bank.

Remember, I only told him about our products and services, I did not push them on him. However, I did make notes of everything we discussed, so I could follow up at a later time. I would also leave my customer with a welcome packet consisting of a brochure for each of our products and several of my business cards.

The customer is in the door. You have some of their business. That is fine for the time being. You don’t want to overwhelm them. Build the relationship with them, gradually find out what their needs are by prospecting, than when the time is right, go over a product with them that you believe is ideal to their needs.

If I had an existing customer in front of me, I had the ability to se what they did and did not have, and again, I would go over the benefits and features of our products, taking notes, and following up at a later time.

The next time you have a customer in front of you, prospect them. Find out what they do and do not have with you. Once you have figured this out, offer to explain the benefits and features of products you have that you believe would be good for them. Make notes of the conversations you have with your customers, than follow up with them to talk about the products you had discussed.

Prospecting is simply finding out what a customer needs that they don’t have. Once you have established what their needs are, the rest will come relatively easy. Good luck.

This article may be reproduced by anyone at any time, as long as the authors name and reference links are kept in tact and active.

bio = Jay Conners has more than fifteen years of experience in the banking and Mortgage Industry, He is the owner of http://www.jconners.com, a mortgage resource site, he is also the owner of http://www.callprospect.com, a mortgage lead company.

Popularity: 18% [?]

So what is M-Commerce?
It’s very simple, mobile / cell phone based sales. Usually relating to content such as games, wallpaper, ringtones etc. But there’s much more to it than that. Keep reading.

What’s the big deal?
More people own a mobile phone than a PC, they’re better integrated in to daily life. People are very comfortable using them. They are now in fact heavily relied upon, as the phone feature is only a small part of what can be perceived as a miniature multi-purpose multi-capable portable computer.

Mobile Growth
Mobile growth already outstrips all other communication channels. Half of all Americans are mobile phone subscribers. In the UK the ownership of a mobile phone is equivalent to 1.5 phones per head of population. According to research, mobile content services will be worth $121 Billion worldwide by 2008. White label distribution of ringtones, images, games and other promotions will drive up to 1/5th of the revenue generated. It’s estimated 1.5 Billion people worldwide own a mobile phone.

With more and more technology add-ons to tempt the consumer these devices are now Cameras, MP3 players, game consoles, voice notepads, picture albums, diary organiser, PDF readers etc etc.

In fact I’m writing this article on my PDA / Phone whilst sat in the sunshine in the garden. With two taps on the screen I can hook up to my home wireless network and check my emails, browse the net, update my Blog or edit and publish article submissions on one of my sites all via broadband.

We are not that far away from always on Net connections. Once this arrives it will allow anyone to do this almost wherever they are. Certainly in the major cities around the world. When this happens there will be a third Internet boom as Joe public try’s out the Net connection again that was always too shoddy to use in the past.

And what will they want? Content! ringtones, wallpaper, games, MP3’s etc

But I’m getting ahead of myself. The real money isn’t even going to be made via a Net sale. The real money will be made via SMS(Short Message Service), MMS(Multimedia Messaging System) and this ones a goldmine…Micro payments.

Recent research has shown a doubling of worldwide revenue from streaming TV and sports bulletin subscriptions. 380 million people worldwide are expected to subscribe to similar services in 2005. Including TV show bulletins particularly from ‘reality TV’ shows, News bulletins or Soap updates.

Big deal you’re not a TV network how can you make some money out of this boom?
I’ll go into that in a second but first I want to go back to those Micro payments I mentioned earlier. The real gold dust.

Micro Payment Profits
Micro payments have been around for a while here in the UK. A smaller land mass has allowed for a quicker rollout of mobile technologies here. Nationwide Network coverage is easier to achieve. I believe the first example in the US to take it mainstream was by the ‘American Idol’ show. Viewers voted for the acts on the show via their mobile phone. They where then charged a small premium for their vote on top of their networks regular SMS charge. Think of the millions of votes that the show attracted and the revenue generated.

That’s micro payments in action.

The beauty of this is that people don’t feel like they’re spending money because they don’t need to whip out their credit card, it’s an easier payment method, usually involving a simple text to a small number and the payment is small. They also trust their mobile for making payments unlike an online transaction.

Any payments made will appear on their next phone bill. People are already used to paying in this way, they’re comfortable with it. Whether it’s to vote for an act on a TV show, for a game download or to grab the latest ringtone.

What have you got that you could take micro payments for?
You should be considering how you can utilise your current website network to tap into this market. Do you offer subscriptions? Is there a service you offer that you could convert to subscriptions.

How Can You Make Some Money?
Here’s a quick example. Your newsletter. Would your subscribers be willing to pay a small premium to have your newsletter delivered directly to their mobile? Wherever they are, without the need to be sat in front of a PC. Thus bypassing the SPAM filter problem and guaranteeing they receive your valuable content. You could sell it as valuable service for your customers with added content not available on your site or via your regular newsletter.

Or offer them up to the minute breaking news in their industry, which they receive as it breaks and not when they check their email five hours later when it’s to late to take action.

Digital artists sell your wallpaper designs direct to the consumer via the mobile phone. New bands forget the record company contract sell your music via MP3’s direct to the consumer. Investment advisors get subscribers to your ‘Hot Tips’ bulletins. Store owners offer a sale bulletin service etc etc

The Future
The omnipresent Google are moving forward with major mobile initiatives. Spending vast amounts of money to stake a claim in this fledgling market. There’s the mobile version of Froogle for one and they’ve also developed mobile business listings specifically for the potentially huge ‘local search’ market. They also offer a free SMS based information service http://www.google.com/sms/ and http://www.google.co.uk/sms/

Another major company Real Networks, creators of Real media Player, recently bought Finnish mobile phone game developers Mr Goodliving for $15M. Essentially buying a back catalogue of high profile mobile games.

NTL a cable TV company here in the UK recently streamed the Grand National, the biggest race horse meet here in the UK, live to Nokia owning subscribers.

This is early days and that’s a small glimpse of the future.

The M-Commerce Market is very different from the online market in terms of what content consumers are currently paying for. The biggest revenue generators online, 70%, are porn and dating sites. A similar percentage via mobile is for games, music and video. Films, that’s another one, Nokia are now distributing Hollywood movies via memory card!

The technology specifically 3G, an always on network with transfer rates of 384kbs a second, is here and trickling into mainstream culture. These devices are in fact capable of 1920kbs. Compare that to GPRS at 56kbs. You don’t need these speeds to take advantage of this market but you should keep them in mind to realise the full potential of where mobile communication is going.

Here’s a brief, eye opening, wish list from consumers for future mobile phone payment abilities:-

10 Use your mobile as a key
9 Marketing communications
8 Retail checkout payments
7 Vending machine payments
6 Flight check in
5 Credit / debit cards
4 Season tickets
3 Loyalty cards
2 Parking Meter payments
1 Mobile Coupon redemption

Getting Started How do you Accept Payments?
Reverse SMS is very popular at the moment. It provides the ability for you to direct consumers to secret download links on your site whilst taking payment through a premium SMS message. Another method known as ‘WAP Push’ sends a link via SMS that automatically launches when the message is opened. You will need to set up your own WAP / SMS Gateway on your server which will require server administrator access to use both these solutions.

But there are other easier solutions a number of websites are springing up that allow you to upload your content available for download, games, video, wallpaper, MP3’s etc . A small fee is taken from each paid download by the SMS Gateway company..

I’ve compiled a list of useful links to a number of the above solutions and I’ve also thrown in a couple of links to ‘mobaphile’ websites were you will find some interesting predictions for the future development of mobile phones along with some real off the wall ideas for making money with mobiles. http://www.how-to-make-money-online.info/m-commerce-resources.php

To paraphrase a strap line ‘The future’s bright the future’s mobile’.

bio = How To Make Money
Online a site all about making money online and Internet Marketing.
Featuring, news, tips, resources, thousands of Internet marketing articles
and useful links.

This article comes with reprint rights. Feel free to reprint and distribute
as you like. All that we ask is that you do not make any changes, that this
resource text is include, and that the link above is intact.

Popularity: 5% [?]

t kinda bugs me that there are people who are constantly writing about the things that do well in Internet Marketing. I think that’s real silly. People want the real stuff. They want to know the exciting stuff, but they want the truth too.

Why have internet marketers hidden from you, the costs of getting to where they have gotten? Because it is the one thing that separates the real players and the suckers. If you do not know how much time and effort they spent, don’t think that internet marketing is a walk in the park.

My business partner was so excited after a conference, he started up a mini-site that was selling a set of products we already had in existence. It was a great plan, except that for the kind of product we put up, he sold the package at a drop dead price of $97. Now, I operate from Singapore, and we know that most of the people who would buy this product would come from the other side of the world. Without verifying the shipping charges, he happily took orders from the internet. The first one had him jumping up and down. only to realize that the cost of shipping took about 90% of that $97. We couldn’t cover the production costs. Straight away, it was a loss.

But everyone talks about shipping their products as if it were a simple thing. Most people have forgotten completely about the people living on this side of the world and what it takes to sell something. This means that there are a few things that most beginners in internet marketing need to be careful about and learn.

#1 - Learn Copywriting.

Copywriting is the most important skill ever to be taught to marketers and business people alike. If you don’t have the ability to write your own sales letters, it will be easy for people to tell you to outsource the writing. My advice: DON’T. You are letting them develop the skill that you should be building up. No one ever gets to be an expert copywriter overnight. Learn it, and learn it well.

#2 - Understand Business Models

There are about 7 or 8 different business models on the internet. Because I need to make sure that people really understand about business per se, I’ve put it in the form of a freely downloadable format at
Go grab it - no holds barred.

#3 - Drive traffic

I’ve included a list for those of you newbies out there, the multiple ways to drive traffic over the internet. There are over 100 ways you can use to drive traffic and I would highly recommend you hop over to learn about these. I directly credit people like John Reese, Jeff Johnson and Yanik Silver for their invaluable knowledge that I have gotten from them. If you don’t know about them, please begin today! They are great people and I highly recommend that you visit them at www.trafficsecrets.com , www.searchenginevoodoo.com and www.surefiremarketing.com respectively. Download my traffic generation chart on www.stuarttan.com/affiliate/Traffic Boosters.pdf
.

#4 - Learn New Internet Technology Fast

You need to be learning really fast. I’ve discovered that there are a large number of new internet technologies that keep coming up and they can be very powerful, provided you know how to use them. If you don’t know how to use them, it will most definitely be to your disadvantage. For instance, most people still don’t know how to use RSS and Blogs. In addition, some people are clueless about XML feeds and how that helps to create massive content sites and increase search engine rankings. You need to learn fast. The only way for you to master your learning is to read about them. I highly recommend that you visit www.stuarttan.com/learning/ for more information that I can’t deal with here.

I am going to give you something good, though. If the entire internet marketing world is doing it, DON’T. If you just follow, you will not be at the breakthrough point of technology usage. Start innovating and think creatively to solve a problem. Sometimes, even the simplest things can bring about massive profits online!

#5 - Keep Relationships Going

Keeping relationships going on the internet is a difficult thing. But it is essential. You need to be able to do autoresponse messages, personalized. However, most people miss the point. Automatic isn’t going to build relationships. You need to keep them warm. Call them. Give them ideas. Give them free stuff (learnt this from Yanik). More importantly, ask Jeff Johnson’s single most asked question - ‘Can I help you?’.

I’m all for making money - but if it is at the expense of friendships and relationships, I think it is going to be really stupid to continue making money. Give yourself a chance to put back, in your heart, what many poor, scammy internet marketers have taken away - quality and the desire to help people.

bio = Stuart Tan is a motivational and transformational speaker who has focused primarily on the development of personal excellence. As a Licensed NLP Trainer, he was certified by Dr. Richard Bandler in 1997. Stuart also was trained by Robert Dilts and is a Certified NLP Training Consultant. He now runs leading seminars in Malaysia and Singapore. He can be found at www.stuarttan.com.

Popularity: 33% [?]