August 10, 2018

Use Home Improvement Loans To Increase Your Home’s Value

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By Joe R. Maldonado

Many people have homes that require a significant amount of improvement, and in order to be able to afford them it becomes necessary for many people to apply for home improvement loans. It takes a significant amount of money to finance most home improvements, whether you are planning to remodel your bathroom or modernize your kitchen. There is now a great deal of options for people to choose from when it comes to financing, which is why it becomes so important to avoid rushing into any decision regarding your loan. You want to make sure that the financing you are getting is going to be optimal for your financial needs as well as your renovation requirements.

One of the most important things to consider is the overall price of the renovations in comparison to the amount of value that they will add to your home. If you come to the conclusion that it will cost you more to do the renovations than the amount of value that they are going to be adding to your property, you will have to reconsider your decision and determine if it is really going to be necessary to complete these renovations.

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In many cases, people are planning to put their home up for sale once the renovations are complete. It will of course become necessary to ensure that any work that has been done on your property will come along with some sort of guarantee or warranty. This is why it is always better to go with a contractor that has a good reputation.

Make sure that you also take the time to do a little comparison shopping when it comes to the rates you are offered on home improvement loans. It will be just as important for you to save money as it is to improve your home. When it comes to doing work on your heating system or getting new insulation, you may want to first find out whether or not you would be eligible for a grant. If you can save money on this aspect of your home improvements, it will free up more of your finances to put towards other improvements that your home may need.

You may want to consider getting a secured loan for your home improvements. This is a type of loan that will come in addition to your initial mortgage. You can get a lower interest rate on these loans, and they can be spread out over a longer period of time. This means that your monthly payments are going to be lower. However, you have to keep in mind that if you end up defaulting on this loan, your lender will have the right to take possession of your home because you will have used it as collateral. This is why you must take all things into consideration before getting a loan like this, and make sure that you are going to be able to afford your payments. Home improvement loans are great because you can increase your property value, but you must always be sure that you are going to have payments that you can afford.

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April 25, 2018

Postcard Marketing Model #13: To Sell A High Priced Item, Start A Multi Step Marketing Sequence

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By Marcia Yudkin

Realistically, you’re not going to sell cars, houses, executive coaching or cruise vacations with a one-postcard campaign. But when you are selling something that goes for thousands or tens of thousands of dollars, postcards can certainly get the selling process going.

The key to using postcards to effectively initiate interest in high-priced products and services is creating a series of actions for the interested prospect to take. Each action in the series gradually and inevitably moves him or her closer to a buying decision. Here’s how to make this strategy work.

First, get very clear on who you are targeting. Direct mail lists enable you to zero in on bald-headed husbands who hunt and fish and make more than $100,000 a year, or women executives at technology companies with more than 50 employees, within 25 miles of San Francisco. Be as specific as possible in who you’re trying to reach for each marketing campaign.

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Second, identify a problem or desire with which you are going to connect. Again, be specific. Perhaps the hunters want a new way to keep their skills in tune out of seasons. Perhaps the executives need someone they can trust to guide them confidentially through the jungle of office politics.

Third, decide on a low-risk action you want those interested to take first. Here’s where the average marketer gets greedy and pushy, instead of being strategic. The first action should involve a relatively small commitment of time, energy or attention, such as requesting a free sample, free assessment or free information piece of some sort. This request enables you to capture their contact details and begin the marketing process.

Fourth, write and design the postcard to induce them to take the action you identified. The pitfall to avoid here is trying to sell the car, house, executive coaching or cruise vacation instead of simply pointing the postcard recipient toward that first action. You certainly don’t hide your company identity, but do not focus on anything but the action you want the recipient to take and how he or she will be better off for having done so.

Fifth, before sending the postcards, have a sequence of at least two other steps mapped out. Interested prospects will download your report, then receive a phone call inviting them to an open house, then get a discount certificate in the mail, then receive another call, then receive a series of four postcards if they haven’t purchased the expensive item, for example.

Postcards can not only initiate the selling process, but also help you keep prospects interested and informed until they are ready to buy. Postcards later in the sequence can focus on a new feature of what you’re selling, a success story, an answer to a common doubt or objection, persuasive statistics, etc.

According to a study by the Thomas Publishing Company, most sales to businesses occur only after at least five contacts. For expensive consumer items, that statistic holds as well. Unless you carefully plan your selling strategy, you’re probably giving up way too soon! Use postcards to begin the selling process and keep buyer interest going.

About the Author: Veteran postcard marketer/author Marcia Yudkin is the creator of The Mighty Postcard Marketing Course, which teaches the strategic, logistical, design and copywriting secrets of postcard marketing. Download her free 1-hour audio interview on marketing with postcards:


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