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<content:encoded><![CDATA[<p> Many people consider the legal field bec ...
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>dimigeems.info</title> <atom:link href="http://dimigeems.info/feed" rel="self" type="application/rss+xml" /> <link>http://dimigeems.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 21:59:18 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Cash Advance Lenders Help Maintain Credit Scores</title> <link>http://dimigeems.info/55</link> <comments>http://dimigeems.info/55#comments</comments> <pubDate>Tue, 18 Jul 2023 03:14:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=55</guid> <description><![CDATA[Those with poor or no credit scores will most often use cash advance lenders when needing some extra cash. Creditors are not providing new lines of credit very readily and folks are seeking alternative avenues. Since the payday loan lender is not affiliated with any type of credit check that is one number a borrower [...]]]></description> <content:encoded><![CDATA[<p> Those with poor or no credit scores will most often use cash advance lenders when needing some extra cash. Creditors are not providing new lines of credit very readily and folks are seeking alternative avenues. Since the payday loan lender is not affiliated with any type of credit check that is one number a borrower won’t have to worry about.No-credit check will help protect whatever kind of credit score you have at the moment. Most creditors will make an inquiry to your history which will take more points off of your score. If they say no, you are left with no money and now a score lower than before. Each creditor you apply to will do the same except for the cash advance lender online who will never make a hard inquiryto your credit history. Your credit score is affected by enough already, so if you have plans for your future finances, a payday loan lender online will offer you fast cash without any marks.Credit scores can be confusing. Not only does a person need to understand a bit about how their finances work for them, but then there are also reporting discrepancies. About 25% of people who request their credit scores will get a different number than what a lender would see.There are two models for your credit score and they each use a different range in ranges. Fico scores range is from 300 to 850 while the VantageScores range from 501 to 990. If your score is reported as an 800, it would be a really good score if it is from Fico, but not so great if reported from the other. Many consumers who obtain their credit score will use this knowledge when looking for new lines of credit or loans. Having different information from the creditor could lead to more harm towards your score. You could confidently apply for a credit card thinking your score is high enough, but then get turned down because their figure is below their approval range. If you are approved, it may mean that your interest rate will start at a higher number.Creditors have distinct levels for the scores. Falling into certain levels automatically gets your request denied. What level you are in determines the rates you pay as well. Applying for credit you think you are approved for will just mess your credit up even more. Every hard inquiry done by a potential new lender will continue to drop your score a few points each time.Cash advance lenders online have helped many people who are working at maintaining or improving their credit. These short-term loans do not interfere with your credit score at all and will not unless you completely default on them. Once a loan is bad and it gets sold to a collector, your credit will then be tarnished from it. Don’t go the cash advance lender route if you will not have the money to pay back your loan. High interest for these loans when kept out longer than two weeks are not cost effective and can possibly be dangerous to your finances. <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/55/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Brief Overview Of Salaries In The Legal Field</title> <link>http://dimigeems.info/53</link> <comments>http://dimigeems.info/53#comments</comments> <pubDate>Mon, 10 Jul 2023 00:18:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=53</guid> <description><![CDATA[Many people consider the legal field because of the perception that salaries there are very high. However, the truth is that there is a wide variation in the compensation amounts paid to those in this field. Highly recognized attorneys command high salaries, but lawyers who have not yet achieved partner status in large firms can [...]]]></description> <content:encoded><![CDATA[<p> Many people consider the legal field because of the perception that salaries there are very high. However, the truth is that there is a wide variation in the compensation amounts paid to those in this field. Highly recognized attorneys command high salaries, but lawyers who have not yet achieved partner status in large firms can work very long hours under high pressure at salaries that seem high until they are considered on a per hour basis.Generally, attorneys who have a law school education and who have passed the State Bar exams can expect to bring in a median salary of more than $110,000. These statistics are applied to those attorneys who are employees rather than self-employed or partners in a firm. Attorneys who are just starting out have a median salary of under $70,000 annually at the end of the first nine months after graduation from law school. Typically, those lawyers who establish their own practice may have to take on part time work in another field in order to pay the bills.Just over one quarter of practicing attorneys are self-employed. The rest are employed by businesses, law firms or other corporations, both for-profit and not-for-profit corporations. Many are employed by government entities. These include local, county, state and federal government. Of the attorneys working for government entities, most are paid by local government agencies. In the Federal government positions, most lawyers are employed by the Departments of Justice, Treasury or Defense. The salaries vary depending on the level of responsibility and the location of the position.At the other end of the spectrum of legal positions are legal assistants and paralegals. These positions may work in law firms or independently. They also work for government entities. For salaried paralegals, the median annual salary in 2008 was $46K. Those who worked in federal government salaried positions received higher compensation, over $59K.Competition for the jobs remains keen. Those beginning attorneys who can show internships or experience in law firms or government positions are looked upon more favorably. Some areas of specialization are expected to grow much faster than average. These include medical and health care specialties as well as bankruptcy, insurance and banking.Many variables affect the amount of compensation that those in the legal field can hope to receive. Location, specialization, experience and a portfolio of successes all have an impact on salaries. The economic downturn has resulted in projections of only average growth in the number of positions available in the profession. <br/><a style="display:none;" target="_blank" href="http://kalipakem.com/">kalipakem.com</a><a style="display:none;" target="_blank" href="http://jackpotslotsweb.info/">jackpotslotsweb.info</a><a style="display:none;" target="_blank" href="http://spinslotwins.info/">spinslotwins.info</a><a style="display:none;" target="_blank" href="http://slotbidwins.info/">slotbidwins.info</a><a style="display:none;" target="_blank" href="http://fantasyslots.info/">fantasyslots.info</a><a style="display:none;" target="_blank" href="http://bestslotmachine.info/">bestslotmachine.info</a><a style="display:none;" target="_blank" href="http://casinoslotonline.info/">casinoslotonline.info</a><a style="display:none;" target="_blank" href="http://jackpotslotwins.info/">jackpotslotwins.info</a><a style="display:none;" target="_blank" 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href="http://ticeonet.info/">ticeonet.info</a><a style="display:none;" target="_blank" href="http://vvhatto.info/">vvhatto.info</a></p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/53/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Are Online Business Mentors Important For an Internet Business?</title> <link>http://dimigeems.info/51</link> <comments>http://dimigeems.info/51#comments</comments> <pubDate>Fri, 12 May 2023 23:29:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best business ideas]]></category> <category><![CDATA[best online business]]></category> <category><![CDATA[best online business ideas]]></category> <category><![CDATA[best online business to start]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[how to make money online]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[online business from home]]></category> <category><![CDATA[online business ideas]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[start an online business]]></category> <category><![CDATA[start online business]]></category> <category><![CDATA[starting an online business]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=51</guid> <description><![CDATA[Are you looking for online business mentors to assist you in growing your Internet Business? Everyday people are starting a business online, and attempting to make money with limited support and online coaching. This can be frustrating, and is suggested to play a significant roll in why some people will quit a business before making [...]]]></description> <content:encoded><![CDATA[<p> Are you looking for online business mentors to assist you in growing your Internet Business? Everyday people are starting a business online, and attempting to make money with limited support and online coaching. This can be frustrating, and is suggested to play a significant roll in why some people will quit a business before making their first sale.As more and more opportunities have come online, the need and growing demand for qualified online business mentors is suggested to be more crucial than ever. If you are experienced in business building strategies, sales strategies, and marketing strategies than coaching is probably not necessary for you. If you have limited knowledge and experience receiving the right training and coaching may assist you in your problematic areas.With all the resources online should you have to pay for some one to mentor you? If you go online there is information in every niche to assist you. While there is valuable free content on the Internet that can help you to grow your business, there is also a lot of misinformation that circulates the Internet. This can become confusing and actually can harm your business building steps.In every case online business mentors may not be your solution in building Your Internet Business. Outlined below are seven critical questions to evaluate if a finding a mentor is right for you.When Are Online Business Mentors Right For Your Internet Business Growth?1.) Are You Having Information Overload? – The number one cause to a n Internet Business failing is caused because people do not know how to use all the information they have attained. Many times people will gather all the information and then are confused when implementation begins. Each business building technique is like building steps. You should learn step one before learning step two. If you are experiencing stress from to much information, it may mean you are trying to take to much information in at once. It is suggested to master one step before moving on to the rest.2.) Are You Ready To Quit Your Internet Business? – Have you had it and are ready to quit your business. If you are becoming overwhelmed, and are not experiencing results most will want to quit. You need to ask yourself why are you not making money what can you do to make money.3.) Is Your Website Converting? – You have a website, its getting traffic why are you not making sales. It could be a very simple change that needs to be executed in order to have it to start converting to the sales you require.4.) Are You Happy With The Website Layout – You have a website, but you are not happy with the design, the functionality or even the information. You may not need online business mentors, for the website. Check with some web designers to see if they can provide you with the look or feel. You can also check some mentors, if they provide the website statistics and design factors you are considering.5.) Are Your Business Earnings At A Stand Still? – Your making money with your business, but your income has not increased. This could mean that you need to up your learning curve, and enhance your marketing.The top five questions are the typical reasons that people seek online business mentors. It may be time to get the additional training to set your Internet Business up for success, or you may want to test your problematic areas and see if you can find a solution without assistance and help.Many times when you start your business, you are assigned free online business mentors upon start up. This is obviously the best solution as to not have more overhead expenses upon building your Internet Business. While online mentors and coaches are suggested to cut your building strategies down considerably, you have to consider if they are worth the additional expense if you didn’t get it for free. It may all boil down to whether you want to gain the extra knowledge, or attempt to learn the strategies for yourself. </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/51/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Faith for Finances: It’s Time for a Paradigm Shift</title> <link>http://dimigeems.info/48</link> <comments>http://dimigeems.info/48#comments</comments> <pubDate>Thu, 11 May 2023 19:01:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=48</guid> <description><![CDATA[We are in our series entitled Faith for Finances. Today, we are discussing, Faith for Finances: It’s Time for a Paradigm Shift. Glory to God.A paradigm shift has to do with mindset. A paradigm shift is a radical change in underlying belief or theory. That’s the definition: a radical change in underlying belief or theory.As [...]]]></description> <content:encoded><![CDATA[<p> We are in our series entitled Faith for Finances. Today, we are discussing, Faith for Finances: It’s Time for a Paradigm Shift. Glory to God.A paradigm shift has to do with mindset. A paradigm shift is a radical change in underlying belief or theory. That’s the definition: a radical change in underlying belief or theory.As we discussed previously, we do the things we do because of how our thinking has been shaped. Our thinking has been shaped by authority figures, their words and their opinions of us and also, by our social environment. Our social environment would be who we let speak into our lives from our peer groups or our co-workers or church members, etc. Our thinking comes from repetitious information received over time. Whatever you continually feed upon, that’s what grows. So, we have to watch what we let go into our “eyegates” and our “eargates.” For example, we can’t look at everything on TV and think it won’t have an effect on us. We also have to watch what we allow to come out of our mouths. We have to always measure against the Word of God as to what is true or false and then handle it accordingly. We drop it if it’s false, we keep it if it’s true. Finally, our thoughts are shaped by our life experiences. So, whatever life experiences that you have that correspond to the stuff that you’ve been hearing repetitively, you tend to go along with. For example, if you’ve been taught that all short people are mean and you meet a short person and they’re mean to you, you tend to believe what you’ve been taught. However, the question that we have to ask ourselves is, “Who told you?” Who told you what you think about yourself or what you think about a particular situation that you’re in? Then we ask, “What was their motive?” Why did they tell that to you? Would they benefit from it in some way? Finally, we ask, “Did they tell you the truth?” Some authority figures tell us great things. Some things that they told us were with a good motive and were the truth. However, some things we’ve been told were self-serving lies. We have to always test what we’ve been told, and consequently believe, against the Word of God.Our core scriptures for this lesson are 3 John 2 and Joshua 1:8:”Beloved, I wish above all things that thou mayest prosper and be in health, even as thy soul prospereth.” 3 John 2″This book of the law shall not depart out of thy mouth; but thou shalt meditate therein day and night, that thou mayest observe to do according to all that is written therein: for then thou shalt make thy way prosperous, and then thou shalt have good success.” Joshua 1:8So, we have to meditate on the Word of God and we have to make our own way prosperous. It’s not just going to happen. A lot of people are just super lazy. They think that blessings are just going to fall on them from out of the sky and that they don’t have to do anything to get them. However, the Bible says we make our own way prosperous. We follow God, we meditate on His Word and then He instructs us. He tells us things to do, we go about and we do those things, and the next thing you know, we’re prosperous. Also, because we’re doing it God’s way, we have good success. We don’t have all that hullaballoo that the world has… messing up their peace… can’t sleep at night. I remember Deion Sanders saying how he had the best bed money could buy, yet couldn’t get any rest. Before he knew Jesus, he would lie in that expensive bed, but get no rest. Without Jesus, you can have success, but it won’t be good success. It will have sorrow with it. Godly success is accompanied by peace. As we’ve seen on bumper stickers, “No Jesus = No Peace. Know Jesus = Know Peace.” When we follow after His principles, we have peace along with our progress. We have good success.So, it’s time for a paradigm shift.Romans 12:2 says,”And be not conformed to this world: but be ye transformed by the renewing of your mind, that ye may prove what is that good, and acceptable, and perfect, will of God.”We don’t listen to the world. We are not to be conformed to this world. The prefix “con” here means “with,” so you’re being formed with the world, in line with the world. We’re not to do that. We’re not to be conformed to this world, but transformed. The prefix “trans” means “across” so you’re going away from what they’re doing. You’re not lining up with them, you’re going across. You’re getting away from them. Be transformed by the renewing of your mind. You have to renew your mind. You’ve got some junk in there that does not belong, it doesn’t line up with the Word of God. “Pre-Christ” in your life, you got some stuff in there that you gotta get rid of. Specifically, with regards to faith for finances, the majority of the world is not financially secure. I think everyone would agree with that. A statistic that I’ve heard, and I’m not sure if this is correct, but a statistic that I heard is that 98% of the population is either dead or dead broke by the age of 65. I’m hoping that it’s not 98%, because that is a huge, huge number. There’s only 2% left. However, whether 98% is accurate or not, we do know that the majority of people fall into the category of being dead or dead broke by 65. We don’t want to be a part of that number, whatever it is. We don’t want to be conformed to the world’s way of doing things, because we don’t want to be dead or dead broke by the age of 65. We want to be in that 2% or in the minority that are doing things God’s way and walking in the blessing of God. So be transformed by the renewing of your mind that you may prove what is that good and acceptable and perfect will of God. What we need is a transformation in our decision-making process. We need to make decisions based on God’s Word and not on anything else. That’s what we need to fix: how we come to the decisions that we make, how we make choices. We need to obey God and we have to change the way we think on purpose. It’s not going to be an automatic thing. We have to re-learn some things. We have to purposely take out the junk and put in something that is good. It’s a purposeful action; it’s not something you do half-asleep. You have to be mindful of what you’re doing. I was listening to a sermon recently and the pastor was talking about this replacement principle. He spoke about how a lot of people just want to be good in life and they say, “God, make me good. Take away the bad stuff.” However, it’s not that simple. He explained that we can’t just expect God to take something out. We have to replace it with something else. He used an illustration where he had a container with some liquid in it and he began to put rocks into the container in order that the liquid would come out and roll over onto the sides of the container. As I watched this illustration, I realized that we have to put in something heavier than what is already inside our containers. In science, we learn about displacement, which is required for this replacement to occur. In this example, when the heavy rocks were placed into the container, the liquid was no longer in place. It was displaced by the rock. The liquid in this case would be the bad thing and the rock would be the good thing. So you get rid of the bad thing by displacing it, by putting something into your container that’s heavier than what’s already inside. I hear the Holy Spirit saying, “This Rock is Jesus!” Hallelujah! God’s Word, praise God, is heavier than any of the junk that the world has used to shape our thinking and it can displace it! That’s good news.We can change. We just have to make sure that we’re willing to do it on purpose.Isaiah 55:7-8 says,”Let the wicked forsake his way, and the unrighteous man his thoughts: and let him return unto the Lord, and he will have mercy upon him; and to our God, for he will abundantly pardon. For my thoughts are not your thoughts, neither are your ways my ways, saith the Lord.”We have to forsake our ways, just like the wicked must forsake his way. We have to forsake what our flesh thinks is right and what our so-called friends think is right. We have to forsake it. If it’s not lining up with the Word – that’s the measuring stick – if it doesn’t line up with God’s Word, we gotta junk it. We gotta get rid of it. So, we need to forsake that, forsake the unrighteous thoughts, and return to the Lord, who will have mercy and who will abundantly pardon. We, also, need to adopt God’s thinking process, His decision-making process. His thoughts are not our thoughts. We have to take on His thoughts. His ways are not our ways. We have to take on His ways.2 Corinthians 10:3-5 says,”For though we walk in the flesh, we do not war after the flesh: (For the weapons of our warfare are not carnal, but mighty through God to the pulling down of strong holds;) Casting down imaginations, and every high thing that exalteth itself against the knowledge of God, and bringing into captivity every thought to the obedience of Christ.”A stronghold actually could be a good thing if you have the right stronghold in place. A stronghold is a mental thought pattern; it’s a way that you think about things. That’s a stronghold. It’s what’s deep down inside of you. It’s what you hold to. It’s your default. Those are strongholds. So, again, some are good, some are bad. The bad ones are the ones contrary to God’s will. So, we have to cast them down. We cast down imaginations and every high thing that exalts itself against the knowledge of God and bring into captivity every thought to the obedience of Christ.Romans 7:22-25 also illustrates that we need to follow God’s order. In this passage it says:”For I delight in the law of God after the inward man: But I see another law in my members, warring against the law of my mind, and bringing me into captivity to the law of sin which is in my members. O wretched man that I am! Who shall deliver me from the body of this death? I thank God through Jesus Christ our Lord. So then with the mind I myself serve the law of God; but with the flesh the law of sin.”Then in Ephesians 4:23-24, it says,”And be renewed in the spirit of your mind; and that ye put on the new man, which after God is created in righteousness and true holiness.”So, you may be thinking, “What does all this have to do with faith for finances?” Everything. The mind is the battleground where the devil will send defeating thoughts to us. Our thinking controls our actions. If we meditate on what the devil has told us, we will then act on it and bring about failure. We must renew our minds with the Word of God. We must have a paradigm shift to the Word of God.We’ll pick up here on next time and then move onto the how-to of this series.God bless you and until next time, this has been Patricia, walking through the scriptures with you. </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/48/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Investors Should Know About Commercial Real Estate Loans</title> <link>http://dimigeems.info/46</link> <comments>http://dimigeems.info/46#comments</comments> <pubDate>Mon, 20 Mar 2023 11:15:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=46</guid> <description><![CDATA[Your commercial real estate transaction does not close unless the loan is approved. You can also improve the cash flow if the interest rate for the loan is low. So the more you know about commercial loans, the better decision you can make about your commercial real estate investment.Loan Qualification: Most of you have applied [...]]]></description> <content:encoded><![CDATA[<p> Your commercial real estate transaction does not close unless the loan is approved. You can also improve the cash flow if the interest rate for the loan is low. So the more you know about commercial loans, the better decision you can make about your commercial real estate investment.Loan Qualification: Most of you have applied for a residential loan and are familiar with the process. You provide to the lender with:<br />W2′s and/or tax returns so it can verify your income,</p><p>Bank and/or brokerage statements so it can verify your liquid assets and down payment.<br />In general the more personal income you make the higher loan amount you qualify. You could even borrow 95% of the purchase price for 1-unit principal residence with sufficient income.For commercial loan, the loan amount a lender will approve is based primarily on the net operating income (NOI) of the property, not your personal income. This is the fundamental difference between residential and commercial loan qualification. Therefore, if you buy a vacant commercial building, you will have difficult time getting the loan approved since the property has no rental income. However, if you<br />Occupy at least 51% of the space for your business; you can apply for SBA loan.</p><p>Have sufficient income from another commercial property used as cross collateral; there are lenders out there that want your business.<br />Loan to Value: Commercial lenders tend to be more conservative about the loan to value (LTV). Lenders will only loan you the amount such that the ratio of NOI to mortgage payment for the loan, called Debt Coverage Ratio (DCR) or Debt Service Ratio (DSR) must be at least 1.25 or higher. This means the NOI has to be at least 25% more than the mortgage payment. In other words, the loan amount is such that you will have positive cash flow equal to at least 25% of the mortgage payment. So, if you purchase a property with low cap rate, you will need a higher down payment to meet lender’s DCR. For example, properties in California with 5% cap often require 50% or more down payment. To make the matter more complicated, some lenders advertise 1.25% DCR but underwrite the loan with interest rate 2%-3% higher than the note rate! Since the financial meltdown of 2007, most commercial lenders prefer keeping the LTV at 70% or less. Higher LTV is possible for high-quality properties with strong national tenants, e.g. Walgreens or in the areas that the lenders are very familiar and comfortable with. However, you will rarely see higher than 75% LTV. Commercial real estate is intended for the elite group of investors so there is no such thing as 100% financing.Interest Rate: The interest for commercial is dependent on various factors below:<br />Loan term: The rate is lower for the shorter 5 years fixed rate than the 10 years fixed rate. It’s very hard to get a loan with fixed rate longer than 10 years unless the property has a long term lease with a credit tenant, e.g. Walgreens. Most lenders offer 20-25 years amortization. Some credit unions use 30 years amortization. For single-tenant properties, lenders may use 10-15 years amortization.</p><p>Tenant credit rating: The interest rate for a drugstore occupied by Walgreens is much lower than one with HyVee Drugstore since Walgreens has much stronger S&P rating.</p><p>Property type: The interest rate for a single tenant night club building will be higher than multi-tenant retail strip because the risk is higher. When the night club building is foreclosed, it’s much harder to sell or rent it compared to the multi-tenant retail strip. The rate for apartment is lower than shopping strip. To the lenders, everyone needs a roof over their head no matter what, so the rate is lower for apartments.</p><p>Age of the property: Loan for newer property will have lower rate than dilapidated one. To the lender the risk factor for older properties is higher, so the rate is higher.</p><p>Area: If the property is located in a growing area like Dallas suburbs, the rate would be lower than a similar property located in the rural declining area of Arkansas. This is another reason you should study demographic data of the area before you buy the property.</p><p>Your credit history: Similarly to residential loan, if you have good credit history, your rate is lower.</p><p>Loan amount: In residential mortgage, if you borrow less money, i.e. a conforming loan, your interest rate will be the lowest. When you borrow more money, i.e. a jumbo or super jumbo loan, your rate will be higher. In commercial mortgage, the reverse is true! If you borrow $200K loan your rate could be 8%. But if you borrow $3M, your rate could be only 4.5%! In a sense, it’s like getting a lower price when you buy an item in large volume at Costco.</p><p>The lenders you apply the loan with. Each lender has its own rates. There could be a significant difference in the interest rates. Hard money lenders often have highest interest rates. So you should work with someone specialized on commercial loans to shop for the lowest rates.</p><p>Prepayment flexibility: If you want to have the flexibility to prepay the loan then you will have to pay a higher rate. If you agree to keep the loan for the term of the loan, then the rate is lower.<br />Commercial loans are exempt from various consumers’ laws intended for residential loans. Some lenders use “360/365″ rule in computing mortgage interest. With this rule, the interest rate is based on 360 days a year. However, the interest payment is based on 365 days in a year. In other words, you have to pay an extra 5 days (6 days on leap year) of interest per year. As a result, your actual interest payment is higher than the rate stated in the loan documents because the effective interest rate is higher.Prepayment Penalty: In residential loan, prepayment penalty is often an option. If you don’t want it, you pay higher rate. Most commercial loans have prepayment penalty. The prepayment penalty amount is reduced or stepped down every year. For example on a 5 year fixed rate loan, the prepayment penalty for the first year is 5% of the balance. It’s reduced to 4% and then 3%, 2%, 1% for 2nd, 3rd, 4th and 5th year respectively. For conduit loans, the prepayment amount is huge as you have to pay for the interest between the note rate and the equivalent US Treasure rate for the whole loan balance for the remaining term of the loan. This prepayment penalty is called defeasance or yield maintenance.Loan Fees: In residential mortgage, lenders may offer you a “no points, no costs” option if you pay a higher rate. Such an option is not available in commercial mortgage. You will have to pay between ½ to 1 point loan fee, appraisal cost, environment assessment report fee, and processing/underwriting fee. A lender normally issues to the borrower a Letter of Interest (LOI) if it is interested in lending you the money. The LOI states the loan amount, interest rate, loan term and fees. Once the borrower pays about $5000 for loan application fees for third party reports (appraisal, phase I, survey), the lender starts underwriting the loan. It orders its own appraisal using its own pre-approved MAI (Member of Appraisal Institute) appraisers. If the lender approves the loan and you do not accept it, then the lender keeps all the fees.Loan Types: While there are various commercial loan types, most investors often encounter 3 main types of commercial loans:1. Small Business Administration or SBA loan. This is a government guaranteed loan intended for owner-occupied properties. When you occupy 51% or more of the space in the building (gas station or hotel is considered an owner-occupied property), you are qualified for this program. The key benefit is you can borrow up to 90% of purchased price.2. Portfolio loan. This is the type of commercial loans in which the lenders use their own money and keep on its balance sheet until maturity. Lenders are often more flexible because it’s their money. For example East West Bank, US Bank and some life insurance companies are portfolio lenders. These lenders require the borrowers to provide a personal guaranty for the payment of the loans. And thus these loans are recourse loans.3. Conduit loan or CMBS (Commercial Mortgage-Backed Securities) loan. This was a very popular commercial loan program prior to the 2007 recession where its market size was over $225 Billion in 2007. It was down to just a few Billion in 2009 and is making a comeback with issuance of almost $100 Billion in 2015. Many individual loans of different sizes, at different locations are pooled together, rated from Triple-A (Investment grade) to B (Junk) and then sold to investors over the world as bonds. Therefore it’s not possible to prepay the loan because it’s already part of a bond. These are the characteristics of conduit loans:<br />The rate is often lower. It is often around 1.2% over the 5 or 10 year US Treasury rates compared to 1.85-3% over the 5 or 10 year US Treasury rates for portfolio loan. Some CMBS loans have interest only payments. Since the rate is lower and borrowers are required to pay interest only, the LTV can be over 75%. Low rates and high LTV are the key advantage of conduit loan.</p><p>Conduit lenders only consider big loan amount, e.g. at least $2M.</p><p>Lenders require borrower to form a single-asset entity, e.g. Limited Liability Company (LLC) to take title to the property. This is intended to shield the property from other the borrower’s liabilities.</p><p>The loans are non-recourse which means the property is the only collateral for the loan and the borrowers do not have to sign personal guaranty. And so these loans are popular among investment firms, REIT (Real Estate Investment Trust), TIC (Tenants in Common) companies that invest in commercial real estate using funds pooled from various investors.</p><p>If the borrower later wants to sell the property before the loan matures, the new buyer must assume the loan as the seller cannot pay off the loan. This makes it harder to sell the property because the buyer needs to come up with a significant amount of cash for the difference between the purchase price and loan balance. Furthermore, the lender/loan servicer could reject the loan assumption application for various reasons as there are no strong incentives for it to do so. The loan servicer can also impose new conditions to loan assumption approval, e.g. increase reserve amount by several hundred thousand dollars. If you are a 1031-exchange buyer, you may want to think twice about buying a property with loan assumptions. Should the lender reject your loan assumption application, you may end up not qualifying for the 1031 exchange and be liable for paying capital gain. This is the hidden cost of conduit loan.</p><p>Even when you are allowed to prepay the loan, it costs an arm and a leg if you want to prepay the loan. The prepayment penalty is often called Defeasance or Yield Maintenance. Basically you have to pay the difference in interest between the note rate of your loan and the applicable US Treasury rate for the remaining years of the loan! This amount is often so high that the seller normally requires the buyer to assume the loan. You can compute the defeasance from www.defeasewithease.com website. Besides the defeasance, you also have to pay 1% loan assumption fee. This is another hidden cost of conduit loan.<br />Conduit loan may be the loan for you if you intend to keep the loan for the life of the loan that you agree to at the beginning. Otherwise it could be very costly due to its payoff inflexibility.Lenders Coverage Area: Commercial lenders would do business in areas they are familiar with or have local offices. For example East West Bank will only consider properties in California. Many commercial lenders don’t lend to out-of-state investors.Lenders Coverage Property Types: Most commercial lenders would only consider certain types of properties they are familiar with. For example Chase would do apartments and owner-occupied office buildings but not retail properties or gas stations. Westford Financial specializes on church financing. Comerica concentrates on owner-occupied properties.Lenders Escrow Accounts: Most lenders require borrowers to pay 1/12 of property taxes each month. Some lenders require borrowers to have repairs and/or TI (Tenants Improvement) reserve account to make sure the borrowers have sufficient funds to cover major repairs or leasing expenses should existing tenants not renew the leases.Conclusion: Commercial loans are a lot more complex and difficult to obtain with loan approvals more unpredictable than residential loans. As an investor, it is in your best interest to employ a professional commercial loan broker to assist with your commercial loan needs. By doing so, you will vastly improve your chances of paying lower interest rates, avoid potential pitfalls and improve your chance on getting the loan approved. </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/46/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Develop A Marketing And Marketing Communications Strategy And Plan For Small Or Midsized Companies</title> <link>http://dimigeems.info/43</link> <comments>http://dimigeems.info/43#comments</comments> <pubDate>Mon, 20 Mar 2023 09:43:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=43</guid> <description><![CDATA[Planning for the year ahead is never an easy task. Lack of resources (people, time, budget), keeping up to date on what’s going on in your market, obtaining quality leads and improving brand awareness and reputation have become increasingly difficult for all organizations – for profit companies as well as nonprofits. This has become especially [...]]]></description> <content:encoded><![CDATA[<p> Planning for the year ahead is never an easy task. Lack of resources (people, time, budget), keeping up to date on what’s going on in your market, obtaining quality leads and improving brand awareness and reputation have become increasingly difficult for all organizations – for profit companies as well as nonprofits. This has become especially true among US CEO’s who are concerned with not just domestic but also international uncertainties.Developing A Marketing And Marketing Communications Strategy Is CriticalThis should be your priority. Without a strategy for a plan there are way too many opportunities to get off track and chew up your investment. Your ROI will suffer. Consider the following to focus your efforts when developing your strategy and plan:1. Determining, understanding and verifying your target customers and prospects should be at the top of your agenda. To improve profitability and ROI you must know what your audience wants and needs, how they perceive your brand and how it stands up to competition.Be sure to avoid industry and company “myths” and internal “opinions”. Employ primary and secondary research to understand your audience. With so much information available about companies and brands, it is truly the Age Of The Consumer and will be for a very long time.2. Additionally, as part of your knowledge of your audience, determine the size and scope of various sub-segments that exist today and will tomorrow. For example, does your audience include women, or Asians, or Hispanics? If so, look at the dramatic growth of these segments of the populations and determine if your brand needs to pay particular attention to them.Also, recognize that millennials (23% of the US population) are not a homogenous group. At the younger end (20 – 28 years), 40 percent t are currently living rent free with family, while at the older end (29 – 35 years), 43 percent have already purchased a home. With that in mind, how should your strategy differ if you’re targeting adults 55 years and older (21% of US population)?3. Once you clearly understand your audience, develop your unique brand position. To do this, create a brand positioning statement. The statement is a succinct description of the core target audience to whom the brand is directed and a compelling picture of how you want your audience to view the brand. Sound simple? Take a few minutes and try to answer the four components of your positioning:· The target audience, in very specific detail· The category in which you complete and its relevance to customers· The brand’s benefit and point of difference· A reason for the customer to believe – the most compelling proofAll marketing and marketing communications should flow from this positioning, and it should be fully understood and embraced by all employees, sales reps, partners and management.4. Improving brand awareness is very important but only the first step. You also need to create great customer experiences with each touch point of your brand. And that means creating brand advocacy at all levels of contact. Develop brand champions at every level of purchase and repurchase to improve ROI.Be sure these influencers completely understand, believe and can articulate your brand premise. And provide them with the training and tools to convey their trust-worthiness in a believable manner.Developing A Focused Marketing And Marketing Communications Plan And BudgetAfter the hard work of developing a meaningful strategy, recognize it’s equally important to develop a specific plan and budget. The following should be taken into consideration:1. You must be media neutral and open minded in developing your plan and budget. It is extremely important to understand the difference between “efficiency” and “effectiveness”, and not get caught up with the latest trendy new tactic.Regardless of the specific marketing tactic, or type of digital or traditional media, you’re evaluating, keep in mind that cost efficiency does not necessarily lead to effective results. Also, and most importantly, the best source of marketing communications leverage is the quality of the message, not the marketing tactic.2. The scope and diversity of marketing and marketing communications tactics has grown faster than the ability to measure some of them. Marketers now are actually spending money without knowing how it impacts their profitability and ROI! Consider the variety of ways in which nearly $450 billion is expected to be spent in the US in 2018:· Sales promotion ($83 billion), telemarketing ($60 billion), direct mail (($46 billion) and events ($40 billion) highlight projected 2018 US Marketing Services expenditures;· The internet ($78 billion), television ($68 billion) and the combination of radio, newspapers and magazines ($47 billion) are projected to be at the top of the 2018 US Major Media spending categories.Source: Zenith Total US SpendingAnd while it may surprise you, 90 percent of consumers (and 94 percent of millennials) still use coupons. The coupons come from a variety of on-line and traditional mediums, but mail is most popular. Why do marketers still use coupons? The simple answer is because they’re effective in guiding purchase. In developing your own plan and budget, determine and recognize the effectiveness of all marketing tactics, not just their efficiency.ROI Focused Marketing And Marketing Communications ConsultantsIf you’re like most small and midsized companies, you and your team may not have the expertise or time to develop an ROI focused marketing and marketing communications strategy, plan or budget.Even major global brands are seeking outside advisors. In my May article, I discussed the dramatic growth of management and accounting consulting practices (33% increase in US revenue) at the expense of traditional global advertising agencies (0.3% increase in US revenue). One reason for this 2017 growth of consultants is their focus – not on trends or what’s in the news – but on marketing and marketing communications effectiveness, profitably and ROI.While you may not be able to afford the large global consultants, you should consider hiring a marketing and/or marketing communications consultant. The type of people you should hire should:· Have a focus on ROI, with significant experience across industries, b2b and b2c brands, both large and small, as well as for profit and nonprofit organizations· Be media neutral, apolitical, down to earth, be willing to be part of a team and “tell it like it is” so candor will flourish· Have flexibility to bring in other professional specialists when and as needed so that overhead isn’t an ongoing expense· Have strong convictions to measure what has been done and measure what will be done to improve ROI, perhaps including a marketing communications auditIn today’s challenging environment, a greater focus on strategy, planning and budgeting can go a long way toward leapfrogging competition and improving brand profitability. And the fresh eyes of a consultant can go a long way to building a meaningful future for your brand. </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/43/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Business – Is It for You?</title> <link>http://dimigeems.info/41</link> <comments>http://dimigeems.info/41#comments</comments> <pubDate>Sun, 19 Mar 2023 13:36:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=41</guid> <description><![CDATA[I am going to start with a bit of a ‘controversial statement (as I am quite prone to do):-Starting a Business, Online (or Offline) is NOT for everyone & actually may NOT be for YOU.If you are looking at working for yourself and starting up a business, you might be the best Joiner, Painter, Mechanic, [...]]]></description> <content:encoded><![CDATA[<p> I am going to start with a bit of a ‘controversial statement (as I am quite prone to do):-Starting a Business, Online (or Offline) is NOT for everyone & actually may NOT be for YOU.If you are looking at working for yourself and starting up a business, you might be the best Joiner, Painter, Mechanic, Salesperson, etc, BUT it may not be for you – If you don’t have or acquire certain traits, skills and experience, you will probably fail (maybe ending up owing a lot of money!) and being an employee is probably better for you: especially if you prefer:-regular hours,regular pay,regular holidays,sickness pay, orare risk averse,lack willpower and stamina.Working for yourself and starting a business is definitely NOT a job. You have got to ask yourself if starting up and (hopefully) running a viable, successful business is for YOU – and no-one else.This is exactly the same for an Online business, maybe more so. Just setting up a website for your Offline business is definitely NOT classed as running an Online business – really, all Offline businesses should have a website as an online presence as a minimum, however if you are really set on setting up an Online business, then there are specifics that must be addressed:-It is NOT EASYIt takes TIMEIt takes MONEY (maybe not a great deal initially but it does cost if done correctly!)It is NOT a ‘Get Rich Quick’ solutionYou will need to LEARN & develop a new set of skills and be comfortable with MarketingAn understanding of Computers will be required & you must be willing to learnIn comparison to a ‘traditional’ bricks & mortar’ offline business, an Online business can be very cost-effective as a start-up. So… What do YOU consider as an Online business?Lots of people have found many ways to run a successful (profitable?) Online business, I have personally made a decent living selling items and information on a ‘popular’ auction site but the method(s) I have learned are only a few and I am currently still looking to learn other methodology and processes.As an example, please ‘Google’ (funny how this has become a ‘verb’!) or place in your search engine “make money online” – at the time of writing this gives 165 Million results, so there are many ways (some good, some not so!) regarding making money online. Have a good look around and see how big the online business is, and how vast the number of opportunities are. The only thing I recommend is NOT to buy anything before you have had a good look around – there are lots of scams and totally useless products/programs out there – so Caveat Emptor:- ‘Buyer Beware’!I want you to understand the range of opportunities out there, and that what may be suitable for some people may not be suitable for others.Looking at things from a positive angle however, I believe the plus points of an online business are:-Anyone can start and run a business, with no restrictions on age, race, gender, education, privilegeNo commuting or having to get up and get ready for an early or late startYou are working for yourself, not as a wage slave for an ungrateful boss/company </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/41/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Resorts Near Mumbai Offering Impeccable Luxury and Flavors of Nature</title> <link>http://dimigeems.info/39</link> <comments>http://dimigeems.info/39#comments</comments> <pubDate>Sun, 05 Feb 2023 02:55:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=39</guid> <description><![CDATA[Mumbai is one of the most important metropolitan cities in India, featuring urbanization, infrastructure development, and commercialization at its best. It is also one of the major business centers in the world, renowned for its Stock Exchange and Bollywood, contributing a significant portion to the GDP. At the same time, Mumbai is the heart of [...]]]></description> <content:encoded><![CDATA[<p> Mumbai is one of the most important metropolitan cities in India, featuring urbanization, infrastructure development, and commercialization at its best. It is also one of the major business centers in the world, renowned for its Stock Exchange and Bollywood, contributing a significant portion to the GDP. At the same time, Mumbai is the heart of rich cultural heritage and pleasing beauty, exemplifying a strong historical impact that trace back to the era of famous Maratha rulers. All these factors have contributed in making Mumbai one of the most preferred travel destinations, attracting footfalls from across the country and globally.Sightseeing In and Around Mumbai:A popular travel destination, particularly for its sightseeing places, Mumbai attracts tourists in pursuit of cultural heritage, natural beauty, and luxuries of modern life. Some of the most renowned tourist attractions in the city are Gateway of India, Haji Ali Mosque, Juhu Beach, Bollywood, Dhobi Ghat, Marine Drive, Hanging Gardens, Siddhivinayak Temple, Elephanta Caves, and Sanjay Gandhi National Park. There is plenty of fascinating sightseeing places around Mumbai as well, situated at only few hours distance from the city. This includes Lonavala, Khandala, Karla, Panchgani, Amboli, and Mahabaleswar.Accommodations:Being a renowned travel destination, Mumbai is the hub of splendid accommodation choices. On one hand, there are some of the world’s finest 5 start hotels in Mumbai, offering world class facilities and unparalleled services; on the other hand, there are budget inns offering quality services at reasonable prices. Catering particularly to the business travelers, there are plenty of top corporate hotels in the city as well, offering core business-amenities and dedicated services for a hassle free work experience. Adding to the delight, there are luxury resorts in Mumbai, providing the splendid view of nature and incredible luxuries of modern life.However, being an affluent city, accommodation is always expensive in Mumbai. Moreover, during the peak seasons, the hotels are always over flooded, making it inconvenient for travelers to find a suitable accommodation. Hence, luxury resorts near Mumbai become an ideal choice for the travelers. Situated at close proximity to the metropolitan city, these resorts offer unparalleled luxury and true flavors of nature. Away from the hustle and bustle of city life, the luxury resorts are a true haven of tranquility and comfort.Among plenty of choices available, Lonavala resorts offer some of the finest opportunities to indulge into the splendors of nature and experience incredible luxury. Lonavala is the perfect choice for luxury resorts near Mumbai, offering premium facilities and unparalleled services that will melt your heart. Nestled amidst lush hills and exquisite natural splendor, these resorts offer state of the art facilities like swimming pool, spa, health and fitness center, bar and restaurant, room heaters, recreation zone, beauty salon, and dedicated concierge services.In true sense, Lonavala resorts are the finest instance of impeccable luxury and unfathomed beauty of nature. </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/39/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Last Minute Travel Plans</title> <link>http://dimigeems.info/36</link> <comments>http://dimigeems.info/36#comments</comments> <pubDate>Fri, 03 Feb 2023 11:40:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=36</guid> <description><![CDATA[Last minute travel plans are mostly the outcome of some unforeseen emergency. People make such sudden traveling plans due to unavoidable circumstances. Even though emergency is generally considered the root cause of last minute travel, it is not always the case. The two important requirements taken into consideration while traveling last minute are transport and [...]]]></description> <content:encoded><![CDATA[<p> Last minute travel plans are mostly the outcome of some unforeseen emergency. People make such sudden traveling plans due to unavoidable circumstances. Even though emergency is generally considered the root cause of last minute travel, it is not always the case. The two important requirements taken into consideration while traveling last minute are transport and accommodation. Many travelers prefer to plan last minute trips as they turn out to be extremely affordable and well within their budget. There are various discounts available on airfares, hotel rooms, cruises and rental cars within innumerable last minute special travel packages. These help to make the trip amazingly economical and enjoyable.Most of the airlines as well as hotels have certain “blocked” reservations. At times there are also sudden cancellations on account of which many hotel rooms and airline seats remain vacant. In order to sell these vacant slots, hotels and airlines reduce their rates for people who book their air tickets and hotel rooms at the last minute. These exceptional rates can be available if the booking is done from six weeks to 3 hours before the departure date. The reduced rates together form special “packages.” At times, last minute travel plans also require a good amount of research in order to avail of the best possible special packages to some of the most exotic locations around the world.Last minute travel plans often result in enjoyable trips well within the budget planned by the traveler. They help the traveler to save hundreds of dollars and yet enjoy services and amenities worth thousands. The best part about last minute travel plans is that the booking need not be done well in advance. A traveler can get the best of the facilities at discounted rates by doing the booking at the last minute. </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/36/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Building a Successful Business Relies on Consistent Marketing</title> <link>http://dimigeems.info/34</link> <comments>http://dimigeems.info/34#comments</comments> <pubDate>Tue, 31 Jan 2023 09:13:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dimigeems.info/?p=34</guid> <description><![CDATA[Keys to Consistency: How to get into a marketing rhythm to boost your business incomeLet me ask you a question. How many of you NEVER missed a day sending your newsletter, posting daily social media, or publishing a blog post?That’s what I thought… Guilty!What’s funny is that deep down we know the importance of marketing [...]]]></description> <content:encoded><![CDATA[<p> Keys to Consistency: How to get into a marketing rhythm to boost your business incomeLet me ask you a question. How many of you NEVER missed a day sending your newsletter, posting daily social media, or publishing a blog post?That’s what I thought… Guilty!What’s funny is that deep down we know the importance of marketing our business consistently, but SO many entrepreneurs and business owners are an epic fail at delivering on that promise.What keeps us from marketing consistently?Why is inconsistent marketing so hurtful to our reputation?How can we put a plan in place to make consistent marketing easy?This article will provide answers to each of these questions and help you get on track with better consistency for your business marketing.What’s Not Getting Done in Your Business – A Self AssessmentHow many of these inbound marketing tasks are not being consistently done in your business?<br />Daily social media posts</p><p>Weekly blog articles</p><p>Weekly or bi-monthly newsletters</p><p>YouTube Videos</p><p>Posting and participating in LinkedIn and Facebook groups<br />Or these other valuable marketing efforts that will build your brand recognition and boost your business?<br />Networking and keeping in touch with connections</p><p>Commenting on other blog posts</p><p>Podcast and Webinar booking and promotion</p><p>Following up with sales leads<br />If there are items you are not getting done, then you are leaving money on the table. Why is it we do that to ourselves?The Big Lies We Tell Ourselves About Why We Don’t Market Consistently<br />I don’t know what to write about. True, staring at a blank computer screen is not inspiring. One way to avoid this is to create a marketing calendar. This is one central document that you can use to map out your promotions for the year and ensure your marketing messaging themes align with it.</p><p>I don’t know what my audience cares about. This is a lame excuse; there are clues all around you. For one you can survey your list and followers to find out their biggest challenges. Secondly you could do keyword research to find out the high-searched topics. Third, see what others in your field are blogging about. What topics caught your attention?</p><p>I’m too busy. True, it’s easy to be loaded up with client deadlines and appointments. I know this happens to me the most. There are a couple of ways that even busy business owners can market regularly. The first is to get a marketing assistant. If you don’t personally have the time or discipline to get a weekly eZine out for instance, an assistant can post the articles on your blog and preschedule them to go out in your email marketing program. The same is true for your social media. You can delegate some of your social media to a reputable resource who can curate content and preschedule it using a tool like Hootsuite.</p><p>I am a terrible writer. No problem. If writing is not your thing, you can record short audios or videos instead. You can even record yourself talking out an article and have it transcribed. You can pull your articles from other materials you have written such as your book, workshops, and webinars. Finally, there are many talented writers that can take your concept and turn it into an article written with your voice.</p><p>Why Inconsistency Hurts Our Business So MuchIt’s easy to think that if you miss a weekly email newsletter it’s no big deal. But when you publish a weekly newsletter, its making a promise to your readers.When you miss that connection, it breaks your promise. Not only does that weaken your relationship with your list, but it can lead to mistrust.When you communicate consistently with your readers it builds a trusting rapport and connection. They look forward to seeing your emails rolling into their inbox. Don’t let them down.Plus, inconsistency can lead to your readers to forgetting about you.They move onto the next most exciting ‘guru’ in their inbox who connects regularly with them. Then when 2 months later when you finally send out a newsletter, they delete it or mark it as SPAM thinking, “Who is this? I didn’t subscribe to this newsletter.”How to Reform and Become a Consistent Marketer<br />Schedule time for your marketing. Book an ongoing weekly appointment for you to curate your social media, write articles, publish newsletters, create email blasts, and develop freebies for your list. It could be “My Business Monday”. Promise yourself to keep that time set aside for marketing your business.</p><p>Create an idea file. Whenever you come across emails, articles, and quotes that inspire you, save it to a folder in your email or make an Evernote list of “article ideas”. Use this as your source of inspiration when stuck on a topic to write about.<br />Develop an editorial calendar. This acts as a roadmap to keep you on track with topics, messages, and promotions. This way your marketing messaging is in perfect alignment with your promotional efforts.<br />Get help. If your business is growing fast and you don’t have time to handle all the marketing yourself, congratulations! Even if you do have time to handle your own marketing, outsourcing it can free up time for you to spend on profit-generating activities. Plus, someone who specializes in social media, blogging, and copywriting etc. can often produce better results in less time.<br />Imagine how your business could grow if you were organized and consistent with your marketing. Make the commitment today to make marketing your business a top priority and watch your business grow!And if you are looking for help in online marketing, we can help! Contact us today to discuss your needs and how we can help you get consistent with your marketing.Are you guilty of not being consistent with your marketing efforts? Tell us why in the comments – do any of the above resonate with you or is it something else?To your success, </p>]]></content:encoded> <wfw:commentRss>http://dimigeems.info/34/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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