Looking for a Real Estate and Marketing Idea that can take your business to new heights? Then you should Prewritten Real Estate Marketing Reports!Why Real Estate and Marketing Reports? Because Marketing Reports are effective tools for educating consumers. Unlike days of old, most consumers looking to buy, sell, or trade real estate first look for information.Once, it cost a lot to run a website – but those days are long gone. There are “pay as you go” services out there now charging as little as $1 per gigabyte of bandwidth. If you’re sensible about the size of your pages, that dollar could last you a whole month, or even longer!If you don’t want to pay for design, it’s never been simpler to do it yourself, or find free and/or reasonable cost software and pre-written content to do it for you. Really, it’s never been cheaper to have a website than it is today, nor easier to market your message 24 hours a day, seven days a week.Savvy real estate agents are getting onboard by offering consumer information formatted as real estate web site content, special buyer and seller reports and email ecources. They’re informing their visitors about closing costs, appraisals, preparing their homes for the market, what to expect at closing, gardening tips and even information about how to quit smoking and other health related information.When you’re on the web, it doesn’t matter whether someone is next door to you or on the other side of the world – they can see your website just the same as anyone else can, at no extra cost to you or to them.Phone and postage both cost enormous amounts of money, but a website lets you send information anywhere without any extra effort or expense. You can make friends and contacts in places you’ve never been and will never go. Suddenly, working globally is no more effort than working locally.The beauty about using pre-written reports is that when you find really good ones you can practically use them “as is.” But if you spend even just a few minutes personalizing them and making them uniquely yours the results could be huge. Although others may buy the same reports as you, your personalized approach will go a long way in distinguishing you as a helpful, and successful real estate sales professional.Some agents think that a 30-40 page web site is enough to generate leads and result in high search engine rankings, and it might, but probably won’t! While most real estate web sites appear to have just a few pages, the more dynamic ones frequently have hundreds of hidden, hard working pages feeding the search engines and directing visitors to them.Why? Because each web page acts as a doorway to your web site by which visitors arrive from all over the Internet. So it makes sense that the more web site pages you have on your site the more visitors you can expect.Prewritten reports can provide excellent content at affordable prices, plus they can be uploaded to your web site in a matter of minutes. Their cost and utilization can’t be beat!You’ll be able to convert more leads to paying customers with great content. They visit your web site, like the information on it and keep returning for more. And after they have gotten familiar with you, your style and the information you provide they may then surprise you with the call requesting your help in making a real estate transaction.If you don’t know what to write don’t worry about it. Stop struggling with what to say with prewritten content; content ready for instant use. Use it “as is” or make it uniquely yours with little effort, then get ready for a boost in business!
Getting Life Insurance on a Senior Parent or Grandparent in Poor Health
We have often received calls from, mostly, desperate children of seniors who had just found out that their elderly parent(s) did not even have life insurance to take care of final expenses. Children understand that, the fact that their parents or grandparents are older; may mean higher premiums for the insurance coverage. What many do not realize is that age is a relatively small factor in the cost of life insurance. Probably, the biggest factor is health. To keep cost in check we recommend the following.Not all health problems are a big problemAs people get older, some of the diseases that may have great negative effects on younger people may be considered more minor with seniors. Take diabetes for example. If someone is diagnosed with diabetes before age 40, rates on their insurance (if approved at all) may be higher than for someone in their 60s! Depending on the type and prognosis, even cancer can have a lesser effect on a senior’s insurance rate than on a younger individual. So, just because your parent is not healthy does not mean he or she will get heavily penalized and have to pay very high premiums. Give the insurance company all information on your parent’s or grandparent’s health history and ask them to give you an idea of what the rates may be and what options are available.How about big health problemsIf your father or mother does have more serious health issues, and you need a larger amount of life coverage ($100,000+), speak to at least three insurance companies or three agents that represent different insurance companies. Note that we did not say just three different agents but three different insurance companies. What would be the point of speaking to three agents if they represent the same insurance company? Gather all information from your mother or father and, as long as your mother and/or father are OK with it, share that information fully with the insurance companies. Each company should come back with a different possible outcome. Once you have possible final rates, select two of cheapest and apply to both making sure that each company knows you are applying with multiple carrier. Note that that underwriting can take weeks. The wait should be well worth it though as you are more likely to get better rates.If all you need is a final expense plan such as a whole life for $20,000, the process should even simpler as, usually, no exam is needed and underwriting normally takes a few days. There are many companies that offer these types of plans and their simplified process can vary greatly. Since the process is simpler, it will also be easier to narrow down your choices. With these plans, we would highly suggest that you shop five companies. Give them your medical history, ask them what you can qualify for (which they should know right away), ask them about plan details such as rate guarantee period, is the face value level or graded or modified. Also, request company financial and customer ratings information and a brochure. Once this information has been gathered, simply select the cheapest plan that offers the best and most benefits.In worst health cases, a guaranteed issue life insurance may be your only choice. These types of polices do not ask any health questions and everyone usually qualifies. Rates are very high though. I would explore all other above options carefully before selecting a guaranteed issue life plan. Some may suggest that instead of these types of policies you might as well get a very cheap accident only life insurance but we do not agree. Accidental life insurance pays only in case of an accidental death and the likeliness of an elderly parent dying in an accident is very remote – unless, of course, they sky dive or mountain climb as a hobby.Let your parent(s) fill out the applicationParents can be very secretive when it comes to their personal health. In all situations you want to make sure that your parent fills out the application themselves. When they see the health questions on the application it may remind them about some health problems they have not thought about. Some people think that too much detail on an application can raise their potential insurance rates but that is not usually the case. In many cases, we have seen that details on an application actually helped as the insurance company was able to make a more educated decision and decide to give you a lower rate than they would otherwise have. They will certainly feel more comfortable that you are not trying to hide anything and penalize you because of lack of trust.We hope that his article has been helpful. Please look for us in other articles that may further help you in your search. We wish you well. Always feel free to ask us questions too.
Real Life Benefits of Video Games
If you added a Wii, PlayStation or Xbox 360 to your home this year, you’re certainly not alone. According to Nielsen figures, 54% of U.S. households now own a video game console or a handheld system. But before you berate yourself for giving in to your kids passion for video games, or worry when you hear a horrible crime blamed on computer games, new research will have you breathing a sigh of relief (and perhaps picking up a controller), as the benefits of video games becomes clear.It seems that there are some rather important benefits that come from playing those action packed video games. Regular players of video games learn to process information faster and more accurately when they’re playing in both virtual worlds and real situations according to a new study in the December 2009 issue of Current Directions in Psychological Science.The researchers found that regular players get faster in the games they play often, but also in totally unrelated lab tests of their reaction times. And since speed can be of vital importance in many everyday situations, this work was especially careful to look at the evidence on video games and reaction times.The games used included popular titles God of War, Halo, Unreal Tournament, Grand Theft Auto and Call of Duty. All these action themed games call for fast processing of sensory information and acting quickly. This forces the player to make decisions and respond at a much faster pace than what we might do in real life.The team, including Matthew Dye, Ph.D. of the University of Illinois at Urbana-Champaign, reviewed existing literature on video games and found some things in the data that will surprise the skeptics.- Players don’t lose accuracy as they pick up speed in the game, but instead they maintain accuracy and get faster too. The researchers think this is due to improvements in visual cognition that come after repeatedly playing the same game.- Players show enhanced performance on mental rotation skills, visual and spatial memory and tasks calling for divided attention.- Training on video games might help reduce the differences between boys and girls visual and special processing, and they might also help hold off some of the cognitive declines that come as part of getting older.”Video gaming may therefore provide an efficient training regimen to induce a general speeding of perceptual reaction times without decreases in accuracy of performance,” the study authors suggest. More and more, video games are shedding their troublesome reputation and the gaming industry has become a growing source of employment for many talented people.Gaming systems like the Wii are now part of many rehabilitation programs, and those who play the games are enjoying not only increased skills, but the fun of socializing while playing.Research continues to show that benefits of video games extend to having educational value, allowing kids to use the scientific method as they learn how to play the game, while others make geography, resource management, math, history, typing or spelling something kids want to do. So relax, grab that controller, and play along. You just might pick up a few more skills than you thought – All while having a bit of fun, too!
Staying Married To Save The Environment!
A recent piece of research produced by Eunice Yu and Jianguo Liu from the Center for Systems Integration and Sustainability, Department of Fisheries and Wildlife, Michigan State University, East Lansing, MI, shows that divorce is detrimental to the environment.This research appears on the backdrop of rising divorce rates, (close to 50% of marriages and 75% of second marriages, end up in divorce in the US) and a majority single population in the US for the first time in history (51%).The failing of marriages and the fear of marriage happens to be impacting the environment. Isn’t that interesting? The increasing numbers of singles fearing the commitment of marriage and divorcees creates more households with lower number of people. Not hard to understand that more singles and fragmented families take up more living space, including parking, use of highways, along with higher usage of energy and water. The number of rooms per person in divorced households is 33% to 95% greater than in married households. A refrigerator, for example, uses roughly the same amount of energy whether it belongs to a family of four or one parent and a child. Yu and Liu estimate that in the United States (U.S.) in 2005, divorced households spent 46% and 56% more on electricity and water per person than married households. I knew it! I always said it was a good idea for couples to take showers together! Divorced households in the U.S. could have saved more than 38 million rooms, 73 billion kilowatt-hours of electricity, and 627 billion gallons of water in 2005 alone if their resource-use efficiency had been comparable to married households. Not only that American spend an extra $3.6 billion annually on water as a result of the extra households created when people divorce. Wow!We are now coming to find out that this is not just a problem in the United States. It is happening around the world. The number of houses is increasing in England by something like 15 million over 10 years at current trends, while population is going nowhere. In other words we are seeing a housing boom, but not a population boom. Why? Divorce. You hear of a new one every week. Also, perpetual singleness, i.e. unwillingness to marry. And then even worse are married couples who live apart. For what reason? I am so sick of hearing people saying that their former husband or wife is a wonderful person, great parent and the classic one… “We are still friends.” Well, why in the world didn’t you keep the friendship going as a marriage? Did you have to subject innocent kids to a “friendly divorce”? Just mind-boggling!Even in places like China with more strict rules on divorce, personal commitments are not being kept and those policies are being ignored. Divorce rates are rising, leading to a profound assault on the environment because a married household actually uses resources more efficiently than a divorced household.So, here is my thought on this matter. Marriage is not just about personal responsibility and commitment to our children, community and the families of origin; it is also about our environment. Marriage as a life-time commitment makes sense. Maybe, it’s high time we recognize that breaking a life commitment while trying to be “good” in another area is inconsistent. Perhaps, saving a marriage and making love to the person you made a promise to for life is a good idea if for no other reason than keeping the cost of heating down, the consumption of energy and the selfish use of resources that belong to the whole planet and our children!*The original research can be found at: http://www.pnas.org/cgi/content/abstract/0707267104v1