3 Tips for Finding the Best Mortgage Loan

3 Tips for Finding the Best Mortgage Loan

Buying a home is one of the biggest financial investments that the average American will make in their lifetime. Therefore, it is important to find a lender who you trust and feel happy working with now and in the future. Mortgage lending in Catlin, Illinois, is not a one-size-fits-all process. Buyers who enter the lending process with wide-open eyes will print the best deals.

 

Here are 3 tips to help you find the best lender for your situation.

Avoid Short Term Loans 3 Tips for Finding the Best Mortgage Loan

Short-term loans are not the same as a 30-year mortgage versus a 15-year mortgage. Short term loan refers to a loan that starts with a good interest rate, but has a clause that states within months, your interest rate can go up. This loan is usually called an adjustable rate mortgage (ARM). Think about short-term mortgage rates that can be adjusted if you know you’ll be in a position to refinance before your rate goes up.

Say NO to Special Interest Loans 3 Tips for Finding the Best Mortgage Loan

Loan interest only may seem like a way to save money because you do not pay the principal, but it’s really a money trap. Remember that at the beginning of the loan, you always pay more interest than the principal of the loan. Also, if you only pay interest, you really do not pay a mortgage and are still far from actually owning your home. Loans with interest are only best for new short-term construction projects that will be converted to regular payments once construction is completed.

Bad credit? Shop Around for the Best Loans 3 Tips for Finding the Best Mortgage Loan

Do not think that bad credit score means you have to be satisfied with the first lender who will give your application a second glance. Sub-prime lenders are short of supply shortly after the big recession, but that was a few years ago and the market has turned around. This means that there are more bad credit loan products available for less-than-perfect buyers.

Of course, that does not mean that all these products have your best financial interests. While a bad credit buyer will pay more interest and may be asked to pay points, be wary of lenders who want to take advantage of your situation. Take your time to weigh all your options. Also, consider taking a few years to build credit and save money with a low down payment. Both of these actions, in themselves, will put you in a better position to find a loan.

Sell ​​Insurance without a Marketing degree

Sell ​​Insurance without a Marketing degree

Recently, John Heath from Colonial Life Insurance visited our Marketing Management class one morning. He does not have a degree in business, but he is a great salesman. He and his assistants present practical information to those who want to get into sales. I, for one, do not want to plunge into that field. Personally, the thought of talking to people face-to-face, trying to get them to buy a product, scares me. But, for each of his own right?
Dr. Green has reaffirmed to the class the idea that someone should be liked and can be trusted to sell the product to someone. John must have qualities about himself. He is friendly, explains everything well, and it seems he has the best interests in the forefront of his mind. David Mayer and Herbert M. Greenberg write, “Our basic theory is that a good salesman must have at least two basic qualities: empathy and ego drive” (2006). Along with trust and empathy, the salesman must be moved. One of Heath’s maxims is that you can make as much money as you think it’s worth. It’s just up to you to put in the time.

Sell ​​Insurance without a Marketing degree

Heath’s primary role as an insurance salesman, apparently, is to promote awareness of his company’s products. Chernev explains, “Awareness reflects the customer’s knowledge of the offer, awareness can be generated by the company’s direct communication to its target customers …” (2014). Without awareness of your product, you have no market.

Heath explains the importance of getting as many “drops” as possible for contacts each week. This is called a drop because you are trying to “drop” your name and information into a particular business. The more often you contact the sales prospects, the more likely you are to go further with them in the sales process. “‘No’ is not always flat ‘no’ Most of the time, that means ‘not right now’, so do not be discouraged if you do not get it. Be patient,” Heath said.

This is what will make me afraid to take a sales position. I do not like being told no. I feel my relationship with the person is sick when they say no. I feel I can not be open to them. Sell ​​Insurance without a Marketing degree

Heath mentions Jeb Blount’s Fanatical Prospecting book. He and his assistant praised him as a very inspiring and readable read, and there is a need for salespeople to check out. So, in a perfect world, I would read the book and suddenly fall in love with the sale. We’ll see.

New 4K Switch Works Magic with Control4 Home Automation

New 4K Switch Works Magic with Control4 Home Automation

You want 4K in all your rooms. How do you get it? Button. Not your kind of grandmother who threatens to defeat you – the kind that goes hand in hand with the Control4 home automation system. Control4, which recently acquired Australia-based audio / video provider Leaf, just came out with its new 4K AV matrix switch, which allows its customers to have 4K content in every room in their home – all in a flip switch. And not just generic content – copy-protected content as well. That’s because HDCP 2.2 is compliant. If you get 2.0, you will end up with a black screen where your content should be.
Small and Funny

New 4K Switch Works Magic with Control4 Home Automation

The receiver of this receiver is deceptive. Small and compact, this brings huge changes to your viewing experience through a single cable. You do not even have to put it on the wall. The last thing you need or want is a pile of black boxes and more wires and cable nests – that’s why this switch is so great; It packs a lot of power into a small space.

What does 4K mean for you?

Tech geeks and fans know that 4K means a horizontal resolution of 4,000 pixels, but for many consumers, this just means a very good picture. But it’s not just the picture you want, it’s also sound. This new switch includes an integrated audio feature that lets you pump sound into eight different zones in your home. You can even experience high quality in a room equipped with 5.1 or 7.1 surround sound while getting the same (though slightly less impressive) audio in your other zones. New 4K Switch Works Magic with Control4 Home Automation

No waiting

Another switch feature is advanced device management, which allows fast transfers when you’re ready to watch. Why should you tolerate the lag time? You are busy. You want your content and you want it now. And the variety is impressive – you can watch Blu-ray discs, Roku, Apple TV, streaming media or movies from your own collection. All this can be gained by adding a device the size of a deck of cards, and everything can be controlled with a single remote. Sounds too good to be true? Not this one. It is real. That does not mean you may not benefit from a short tutorial or demonstration. You can order this device online and install it yourself, as it does not require hardware or software, but if you buy from a local high-end home automation agency, you can be sure that you will get the extra support you need. Control4 also stands behind a 100 percent new product, and offers full support, service and warranty for all purchases. The fact that this 4K switch is compatible with the Control4 home automation system makes it a boon for homes that are already managed by the ultimate automation solution. New 4K Switch Works Magic with Control4 Home Automation

Choose the Right Right Liability Option Option for your Commercial

Choose the Right Right Liability Option Option for your Commercial

One type of coverage in a commercial car insurance policy will include a body injury claim. If an employee who uses your company vehicle causes an accident that injures another person, the insurance of liability for the injury will pay the costs associated with the victim. This may include hospital and medical bills, rehabilitation fees, long-term nursing care, funeral expenses, lost wages, suffering and suffering. This policy may also include your company’s legal defense if you are sued as a result of your employee’s involvement in the accident. In most states, liability insurance for physical injury is required by law.
If you work with a commercial car insurance company about your policy details, you will choose a limit that will determine the amount that the firm will pay for a particular claim. You can choose to have a split limit or a single merge boundary.

Choose the Right Right Liability Option Option for your Commercial

Split limit – This type of limit represents the maximum payment the company will pay per wounded person, and the maximum payment for all casualties. For example, if your policy includes a $ 20,000 / $ 50,000 limit, this would mean the company would pay up to $ 20,000 per injured person, up to a maximum of $ 50,000 for all injuries in a single claim.

Combined single limit (CSL) – In this case, there is no specific limit per person. The maximum amount assigned to all property injuries and damages due to a single accident. For example, your policy indicates that the insurer will pay up to $ 1 million for all property injuries and damages caused by accidents caused by your employees.

Consider the following comparison of how coverage might apply in case of an accident where your employees are behind another vehicle, and your split amount is $ 20,000 / $ 50,000: Choose the Right Right Liability Option Option for your Commercial

Suppose the cost for the accident was $ 700 for another driver’s medical expenses and a $ 15,000 hospital bill for passengers in another car. Because everyone’s medical expenses are less than $ 20,000 per person and total accidents are less than $ 50,000, all costs will be covered by the insurance company.

If the cost for the accident was more significant, such as $ 30,000 for other drivers and $ 20,000 for passengers, the total amount would be covered, but the sum of each for the other driver would be greater than the individual limit. Therefore, your policy will pay the maximum amount of $ 20,000 for the driver and the entire $ 20,000 for passengers, but your company will be responsible for the remaining number of drivers each above the maximum amount.

Some important considerations with liability for physical injury:

Most companies require that all your business vehicles be registered on a policy basis, with the same restrictions on each vehicle. Make sure your carrier is well informed about local laws regarding the physical injury liability requirements, as some countries set minimum limits. Some policies have a radius limitation, based on the vehicle’s operating location. Check with your carrier to ensure that all restrictions match your business location and service area. Understand the scope of your business. There are exceptions to all types of policies, so make sure you know what might not be covered, such as deliberate action. Choose the Right Right Liability Option Option for your Commercial

Injury liability considerations are only one aspect of a commercial car insurance policy. Make sure you work with experienced operators who will take the time to understand your business needs and develop policies that are right for you.

DO NOT SUBMIT! The meaning of Public Library

DO NOT SUBMIT! The meaning of Public Library

Literacy and poverty are national problems. Both of these problems can be overcome by giving citizens access to resources to educate themselves and find work. Currently, this need is served by the library. As the saying goes: A city with a large library is a big city. All communities, however large or small, deserve access to the wealth of information and means of our nation’s self-expression. Libraries have institutional responsibility for upholding intellectual freedom, with the aim of quietly providing material for self-improvement and development. DO NOT SUBMIT! The meaning of Public Library
Since the library’s ultimate goal is egalitarian, libraries want to maintain local and national support by reflecting the needs and desires of their respective service populations, within the scope of the services provided. The community in question allows access to materials and programs that the library may offer. Of course, this program works best when it is based on community needs and resources; as usual, and not just as a result of some government funds. This reciprocal formation is an invaluable call and response necessary for community development and identity. This sense of identity will help alleviate the pressures of poverty, to retain socially educated and talented members of society, to break the family illiteracy circle, and to influence the overall situation of youth society. Geography and library patronics adjust their branch holdings over time through usage and circulation statistics. Libraries are largely funded by federal and local taxes and grants channeled through specific parameters and protective usage data. However, while each library may be unique, as an institution, they have ubiquitous national equipment whose impetus for justice and access reflects the basic value of our country and deserves a safer role in our society.

DO NOT SUBMIT! The meaning of Public Library

The areas described by the most severe poverty occur when the library funds are reduced. Poverty generally coexists with illiteracy, unemployment, neglect, and violence. Communities that are allowed into dysfunction are less likely to have the resources they offer to improve their infrastructure and quality of life. As the skills of the general public begin to stall, the impact of poverty diseases coupled with poor education in adults, and especially in children, can hardly be overcome. Even those who achieve a relatively higher level of education than those offered in their respective communities usually leave the community when they finish school to find a job with an adequate salary or safer community. What this out migration to the community is completely patronizing, even in just a short time. It is important for the community to provide opportunities to their local people, and ultimately retain their most valuable citizens who can judge and overcome local deficiencies inappropriately.

What the funding library can do for the community is to bridge the socio-economic gap that has been opened for the last hundred years. Literacy, in the new context in which technology and information work on our culture, must take on new definitions, with new efforts being put forward for promotion. In our culture, isolation, both geographic and technological, is a alienating and complex factor. Isolation means without access to information that will provide better tools for access and further participation in society and a full experience of the richness of reciprocal democracy. The nature of isolation is one that invites a decrease in resources, and construction of a deeper society, en masse and for individuals. DO NOT SUBMIT! The meaning of Public Library

The library of a needy community must find creative and interesting ways to maintain and show relevance to these severe pressures. People in need should be aware of the importance of their library, and be vocal in their support.

Should Your Insurance Company Offer Cyber ​​Protection

Should Your Insurance Company Offer Cyber ​​Protection

Cyber ​​security has become a concern for U.S. companies. over the last few years, and for good reason. Information violations not only become more common, but also much larger. Nothing describes the state of modern web security as well as recent violations, which make hackers target the IRS by exploiting false security to compromise over 100,000 taxpayer records.
A similar violation has also affected a much smaller company, and used to see a forward-thinking insurance company racing to adapt. Here’s what you need to know to determine whether, first, you really need virtual insurance and, secondly, what you should look for in a policy.

Should Your Insurance Company Offer Cyber ​​Protection

Are You at Risk?

If you work with any customer information, then the answer may be yes. The term to be considered here is Personal Identification Information, or PII. This is not a technical term, but a legal term that brings some teeth if you have to deal with it.

At its root, PII is part of the information collected that allows third parties to identify their respective business clients. Given how well the Internet uses the slightest hint to track someone, the definition is vast. Full names, email addresses, site nicknames, and (sometimes) even web cookies can all qualify as PII.

If you keep something under the PII umbrella, you run the risk of violation. Violations are very expensive, both for the affected consumer and for the company responsible for the loss. Companies in the health and retail industry are clearly at high risk, but when it comes to it, any business that makes a habit of collecting information should ask their insurance company about cyber policy.

What are your Cyber ​​Policy Needs?

You should look for some things in cyber insurance policy. As you might expect, a good policy should include financial damages that are directly caused by a violation. However, cyber attacks can cause financial damage in various ways. In particular, make sure your company is protected from:

– Losses caused by lost time and productivity. A large hack can cause the company’s gears to stop. Find an insurance company that guarantees the coverage of lost revenue during this period. – Indemnification by third parties. Some modern companies handle their own data. Outsourced IT support or other company can be a victim of a violation affecting your customers. – Losing Reputation. Companies that are violated, even those who have done their due diligence, almost always take a PR punch after the attack. A good policy offers some cushioning against common customer losses.

Finally, try your best to work with an insurance company that has an educational component. Some plans will also be equipped with training to avoid violations. As good as its protection, it’s safe to say that it should not be used. Installing a set of best practices can help you not to rely on safety nets in the first place. Should Your Insurance Company Offer Cyber ​​Protection

5 Reasons Why Your Business Needs Whiteboard Animation

 

Tech-savvy businesses around the world have found an ingenious and catchy way of attracting their target customers.

We are talking about fun-filled whiteboard animation videos.

This kind of animation takes the form of a creative story captured by a visual artist on a background which resembles a whiteboard.

The characterized hand-drawn images in a whiteboard video are a fun and economical way of advertising your products and services to potential customers.

If done professionally, you’ll be able to pass clear and concise messages to your viewers minus all the fluff associated with other kinds of animation.

Whiteboard videos go straight to the point without cluttering the message.

Still not sold on why your business needs to start using whiteboard animations?

Here are 5 good reasons to consider using whiteboard animation.

1. A whiteboard animation video is fun to watch
Complex business messages do not always have to be bored and a headache to decipher.

More people will want to do business with your company whiteboard videos which are still informative but still entertaining to watch.

The more receptive and responsive viewers will be to your message.

2. Your competition does not stand a chance
Is your business enterprise in a highly competitive niche?

Are you finding it hard to get picked from the crowd?

An animated video to market your business might be just what you need.

Although gaining in popularity, custom whiteboard animation videos have not become common as other forms of video marketing such as webinars, for example.

And lead many into your sales leads into sales.

3. They are more shareable
Whiteboard videos have a psychological appeal to them.

If you consider the fact that our brains process visuals 60,000 times faster than text, it’s easy to see why animated videos can be so appealing.

Most of us love cartoons or their depictions.

And the subtle mix between informative content and animated characters is what makes whiteboard videos more shareable.

More social shares means more visibility for your brand.

4. Animated videos are pocket-friendly
One of the biggest challenges marketing experts are facing today is insufficient marketing budgets.

A regular live-action video ad for your business has many related costs such as actors and a location, paying for equipment, and production costs.

But animated videos on the other hand only need a monthly subscription to manage.

You can choose from a variety of companies offering cloud-based solutions for creating online videos. Most of them use drag-and-drop tools which are easy to use.

5. It has a surprise element to it
The element of surprise associated with whiteboard animation will keep viewers guessing on what the hand is drawing on the whiteboard.

This stimulates viewer anticipation among your viewers.

Creating anticipation is a smart way of getting your viewers hooked on the video’s content till the end.

Pro tip: Do not disclose all the juicy details of your animated video within the first seconds. Viewers will not have a reason to stick around much more if you do.

There you have it. Some pretty solid reasons why your business should start making use of whiteboard videos if it has not already.

Just make sure you have a clear call to action in mind for the viewer before proceeding.

Defining this well and knowing your viewer’s pain points will set you on the right path to a higher conversion rate.

Marketing an Education: 3 Tips for Success

 

An average college student falls between the ages of 18-24. This means they are a prime target for digital marketing.

However, these young adults are smart. You can not just throw any type of content out there and expect them to bite.

Your strategic marketing plans must be just that- strategic. Luckily, we know a thing or two about content marketing.

Read on to learn 3 tips for successful marketing an education.

1) Lights, Camera, Action- Cue the Video
Video streaming is one of the most effective approaches to capture your audience’s attention. Millennials watch 2.5 times more videos from the internet than they do on the television.

Snapchat is one of the most popular used platforms that most young adults get behind. It allows you to take photos or short videos and post them as your ‘Story’.

Snapchat boasts a variety of opportunities for attracting your blended learning targets. Use the app to show hidden places on campus, students’ favorite go-to pizza place, or funny, relatable content.

Also, Facebook Live is another growing entity that marketers should keep an eye on.

Use campus guides or student ambassadors to highlight all of the notable features to your university. Just make sure it’s stuff that a college student would find interesting!

2) Create Meaningful Experiences
People, especially millennials, are attracted to what makes them feel something. They are more likely to be swayed by a University that creates the meaningful experiences for them.

Experiential marketing is commonly used by marketers who sell experiences. It allows for the student to develop a one-on-one relationship with the school.

A great way to use experiential marketing is through prospective student fairs.

Instead of being another Plain Jane with a generic booth, find ways to sell up your university’s experience.

You can rent a photo booth for students and their friends to take silly pictures of themselves.

Do you have any noteworthy alumni that students would want to meet? Bring them for a meet and greet, too! Students can take pictures and listen to their experience.

3) Boost Your SEO Rankings
Students and their families will likely go online to gather information about schools. When you’re conducting their research, you should secure your spot at the top.

You should learn the ins and outs of Google AdWords. AdWords is one of the most effective tools in driving traffic to a university’s web page.

If you have not focused too much on search engine marketing (SEM), now is the time. With Google AdWords, you will likely see a lot of competition from other schools.

Find or hire a staff member who is fluent in SEM. Without an experienced individual, your search marketing efforts can be quite an futile as it is an ongoing process.

 

The most important takeaway from marketing an education is that you are selling an experience. With the right strategy, this can work very well to your advantage.

Marketers must be able to skillfully create a memorable and meaningful edge to the university.

How to Capitalize on Hot Button Topics With Your Marketing

 

Which is the correct way to bathe? Standing in a shower or sitting in a tub?

We’ll answer at the end of this article. But it’s hot button topics like that one which gets people talking and interacting online. And hot button topics are just the thing you need for a boost in your online social marketing.

But why do these topics get people talking and sharing? And how do you take advantage of controversy without destroying your brand’s reputation?

In the next few paragraphs, we’re going to pull back the veil on hot button topic and how you can use them in your marketing campaigns.

Emotional Reactions on Facebook
The internet runs on emotions. We could almost say that’s a literal statement. Which is kind of scary if you think about it.

Back in 2014, Facebook got caught doing some naughty things. We are playing with our emotions just to see what would happen.

The response blew up the internet! Privacy activists took to the Twittersphere in droves ranting and raving about Facebook’s apparent lack of ethical rationale. And never never apologized for their supposed mistake.

Why did not Facebook apologize? Because they know that at the end of the day everybody will keep using Facebook.

Two questions naturally spring from this news. Why did Facebook experiment with people’s emotions? And why did they even tell anyone?

Facebook’s ad revenue depends on how many people use their services. The longer they are on Facebook, the more they are on.

So, figuring out what makes people tick is a natural and necessary part of running an ad run service like Facebook.

But Facebook can have done that without telling anybody. They had no obligation to tell their customers what they were up to.

But they told the whole world. Why? Because controversy sells.

Facebook created their own hot button topic. And it worked. Where did people go to complain about Facebook?

Yeah, some went to Twitter. But a whole lot of people ironically took to Facebook to complain about Facebook.

And Facebook summarily racked in the cash.

But Why Does This Happen?

Why do we so readily respond to situations like these in such an explosive manner? It all has to do with the brain’s reward center, the nucleus accumbens.

This is the area of ​​the brain that gives us the rewarding feelings when we eat good food, have good sex, make money, or gain social acceptance.

It’s a way in which our brain tells our body to survive. But in the contemporary world, we tend to abuse this survival mechanism. And this abuse is called addiction.

When we get addicted to something, it’s because we’re replacing something else in our lives. When you’re addicted to alcohol and drugs, you’re filling the role of good social relationships with alcohol. They give you the same feelings.

Facebook is like alcohol. It gives you those good feelings that normal social experiences give. When you post something and get your likes or comments your brain rewards you.

When you brain rewards with feel-good chemicals (hormones), you want more feel-good chemicals. So, you go back to social media for more. It’s what we call a feedback loop.

How to Use Hot Button Topics for Marketing
Hot topic buttons feed into the social media addiction feedback loop. The more exciting and controversial a topic, the more people get emotional. And emotions are directly linked to the reward center in our brains.

You can use these hot topic buttons to your advantage in social media marketing. But how?

There are two kinds of hot button topics. There are the aversion hot button topics and attraction hot button topics.

Hot button topics are things your audience or potential customers are interested in. And as a marketer, your goal is to fill some need in the customer’s life. We call this need the pain point.

The aversion hot button topic is controversies that highlight the pain point. These are things you want to get away from.

The attraction hot button topics are controversial things your potential customers want. These are things that will solve their pain point problem.

So, you essentially have to decide how you are going to approach the hot button topic. How are you going to press your customer’s buttons (like Facebook did in 2014).

For example, if you’re a water filtration company, you can bring up all too controversial problem in Flint, Michigan where their water has not been so healthy. This would be an aversion hot button topic.

Get people thinking about your problems and you ‘ll soon have people wanting solutions. These are solutions you offer.

Marketing Your Business Online: A Simple Guide

 

There’s no getting around it: if you want any kind of an edge in today’s business world, you need a firm hold on your online marketing.

But how do you go about it?

Where do you start?

Join us, today, as we take a closer look at how you can use online marketing to improve your online business.

Online Marketing: A Cosmetic Surgeon’s Guide
So you’re asking “How can I market my business online?”

Using cosmetic surgery as a example, let’s take a look at some of the notes you’ll need to hit for a successful online marketing campaign.

Keep It On Brand

Just because you’re online, does not mean you do not have to play by the same rules.

Whether it’s your logo, social media content, or a promotion, always make sure to use content that is consistent with the look and tone of your business.

Cosmetic surgery operations often tend towards smart, professional designs. Make sure not to drift too far away from your company’s basic look.

Consider SEO

Search Engine Optimization, or SEO, is one of the most popular digital marketing tools of the last ten years.

The idea is simple enough: an agency takes the copy from the front and back-end of your website and optimizes it for searchability.

They do this by using specific “key words” related to each page, and spacing them out according to specific standards. This, in turn, makes the page appear more “valuable” to search engines looking for sites relevant to different searches.

If a page is about “penis extension”, for instance, SEO peppers this phrase into content so that search engines like Google recognize the page as about that topic.

Go Social

The idea that social media is mostly a place for taking quizzes and sharing pictures of babies is a thing of the past.

Social media management is one of the fastest-developing realms of online business marketing.

And it’s easy to see why: businesses can respond directly to customer issues and reviews. What’s more, viral marketing and trends give someone with a social media profile the opportunity to see their names up in lights, online.

Invest in PPC

Of course, there are opportunities to pour your money into online marketing you’re doing.

Pay Per Click advertising (or PPC) is one of the best there is.

An efficient way of speeding up the marketing process, PPC operates according to one simple rule: you pay for each click made on your advert.

This is an excellent way to promote your online marketing campaign. From breast enlargement to rhinoplasty, promote your site with PPC to be more effective, especially in the beginning.

Discover The Benefits Of Online Marketing
Marketing your business online is the easiest way to reach out to hundreds of potential clients within your industry.

And, thanks to today’s article, you now know exactly how to use it in your business.

Whether you’re a plastic surgeon or a paper salesman, there is no excuse for not utilizing and optimizing your online presence.