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I have a personal assistant who closes all my sales. His name is John Paxson. John has been a ‘closer’ for both little-hitters and heavy-hitters over the years. After one week of working with my prospects, he said, ‘Mark, when I talk with prospects from other people, I feel like I’m talking to people living in the ghettos. But, when I talk to your prospects, it’s like I’m talking to people living on Park Avenue. Your people never say they don’t have the money. Money is never an issue with your people.’

What John discovered is that I only (only, only) market to people who have money. Why? Because, like other high ticket programs, mine requires a $3000 purchase upfront, plus a recommended $2000 more for marketing over the first 60-90 days. What good would it be to spend even a single penny of marketing energy toward people who cannot, and will not, be able to afford $5000?

So the question quickly becomes: how do we find these ‘wealthy, affluent, educated, entrepreneurial’ people? Very simple: you attract them through specific marketing methodologies. Below are two proven techniques that I, and other top marketers, have used to secure prosperous people onto our teams.

#1- Realize that all your ad copy (the words you use in your marketing) acts like a magnet. I had a 22 year old call me the other day from another travel company, he said, ‘Mark, I get a ton of leads opting into my website, but NOBODY has any money.’ I said, ‘Read to me the first couple sentences on your website.’ He pulls up his site and says, ‘Are you sick and tired of living paycheck to paycheck?’ I said, ‘Kid, the only people who are going to opt into your website are tired and sick people who live paycheck to paycheck.’ Compare that to the article you are reading right now (which, by the way, is nothing more than ‘ad copy’ and marketing). In the title, I use the phrase ‘Affluent Professionals’, which automatically attracts wealthy people with good self-esteem and simultaneously repels the type of person who is intimated by the word ‘affluent.’

Next, notice that in my introduction I state explicitly, on two different occasions, that success in a high ticket program requires at least $1000. Then, a couple paragraphs later, I state that it costs about $5000 to realistically position yourself for success. Thus, I have intentionally and methodically placed magnets throughout this article to attract the people who have that kind of money, and repel the people who cannot join anyway. Again, the first rule of marketing to the affluent is understanding that the words you use in your copy are magnets (for better or worse).

#2- Realize that smart, savvy people are smart, and savvy. Read that sentence again (a couple times if you want). Educated, smart, savvy people turn icy-cold when they encounter hype. Many internet marketers use scantily-clad women draped over Lamborghini’s to excite the type of person who gets excited about scantily-clad women draped over Lamborghini’s. But worldly-wise, sharp entrepreneurs don’t care about that stuff. They want relevant data to assist them in making a decision based on facts and potential, not low-rider magazine clip-outs with dollar bills dropping from the sky. Thus, your whole approach to attracting smart, wealthy people is to simply present your business to them in a manner consistent with the real world, not get-rich-quick magazines.

To close, almost all marketing ideas that are popular in the home business industry are popularized by the 98% of people who fail. Take these two simple hints mentioned above, and join the top 2% of all earners in this industry. There is a largely untapped market of affluent professionals who are eager to leverage the payplan and lifestyle that your company provides. You deserve to have them join your team.

Mark Hoverson is a leading online marketer with Global Resorts Network, and now Genewize Life Sciences. He secured over 100,000 YouTube views in less that 10 months, and is now sought-after trainer of ‘personal branding.’ See examples of Hoverson’s personal branding techniques at his Global Resorts site: http://www.myglobalsecrets.com He is reachable by phone at 443-803-4173.

Who will be a part of your team? If you want to put your real estate investing career into overdrive, you can fly solo and hope for the best, or you can seek the assistance of an experienced investor that can act as your copilot and help guarantee that your flight into real estate investing results in a safe landing and extremely profitable returns.

You’re going to encounter everyday investing situations early in your career that are going to confuse and confound you. If you don’t know what to do, you could very easily make a mistake that could cost you profitable deals, thousands of dollars, and could potentially derail your real estate investing dream.

An experienced investor has been down the road you’re traveling, has made plenty of expensive mistakes, learned from them, and has implemented a variety of systems to prevent making the same mistakes all over again. These mistakes, while expensive, have provided the framework upon which he or she has built a successful real estate investing career.

I have a heart for teaching and in trying to show you how to avoid making some of the silly mistakes that I’ve made along the way. While I can laugh about that now, it wasn’t always that way. I’ve personally mentored more than 300 fledgling real estate investors through Aspire America, so I know and understand what you’re going through, and what it takes for you to succeed.

As a mentor, I’ve taken calls from students that had simple questions about what specific investing technique might work best in a given situation, and I’ve also taken questions from students facing moral dilemmas or ethical challenges. You’ll usually have some idea of what you should do when the simple question of right and wrong comes up, but sometimes as an investor you are simply too close to the situation to see that what you perceive as a gray area is in fact a simple matter of black and white. A good mentor can help you see the light and set you gently on the correct path.

In addition, because there are so many real estate investing techniques, it’s simply impossible for you as a new investor to be familiar with the ins and outs of each and every one of them. Furthermore, so many of the techniques that are available can be altered, modified, or otherwise changed in order to bring value to your real estate investing deals, and can turn a firm “no” into an unqualified “yes”.

Another way a mentor can provide assistance to you is by making it possible for you to shadow them and watch them work. Imagine that you’re just beginning your career as a concert violinist. God may have graced you with an unbelievable amount of natural ability, but if you don’t spend a period of time with a master violinist picking up a series of tips, tricks, and other shortcuts, you might still eventually play in front of millions of adoring fans of your own, but your learning curve will be steeper, and you’ll probably take years longer to get to your destination than you would have if you had simply had access to a good mentor.

Many of my students have become much more than just students throughout the years. In time, a number of them have become close friends and confidantes. There’s no better feeling in the world as a mentor than to see my students succeed. A number of them have actually begun to approach the level of success that I have achieved.

While I can’t speak for all real estate investing mentors, I can certainly speak for myself: I cherish the time I get to spend playing a part in the development of successful, wealthy, and confident real estate investors. It’s my hope that you’ll find a mentor that will ease your transition from being a confused rookie investor to becoming a confident investor who has achieved overwhelming success.

Charles Blair is a full time investor of 15 years and well over 300 deals under my belt, I truly love this stuff. I have mentored some of the most successful investor in Maryland, DC. and Virginia, specializing in everything from Short Sales and Tax liens, as well as everything in between.

My Websites include http://www.yppminvestments.com for real estate and property management, and http://www.marylandhousehunters.com for all things real estate.

The investment required to start a work from home business opportunity can range in price from zero to several thousand dollars. Depending on your individual preferences for the amount of time and capital that you want to spend in your business, there is a work at home opportunity that will fit your needs.

There are so many options available online that making a choice of a business is the hardest part. Work at home business opportunities run the gamut from vending machine routes, Ebay merchandising, multilevel marketing distributorships, or being an affiliate marketer for several diverse programs.

Before you spend your hard earned money for a work at home business opportunity, investigate the profits and perils involved in each work at home program. Checking out the legitimacy of the business is a good use of time.

The “Better Business Bureau” is not always a reliable resource. Their database on some business opportunities lacks any useful information. If the business is not registered with the BBB in a specific city, there is no record of their business practices.

Performing a Google search for the business name might provide more relevant information. Online business opportunity seekers are very vocal concerning a scam or shady business practices. The Internet provides a soapbox for these disgruntled individuals. You may find positive as well as negative reviews for the business.

When you perform an online search to determine the legitimacy of the work at home opportunity, you might try to contact participants in the business. You may be able to email the participants to gain more insight into the business.

Each type of business opportunity will have its own set of advantages and challenges. Consider what type of business opportunity is suited to your skill set, experience, or interests. If you want to acquire new skills specifically for a new business venture, the Internet can provide the training.

Each business opportunity has different levels of financial investment, profit and operational commitments. After you complete your research on the type of business opportunity you prefer, do a virtual mental walk through of the tasks that need to be performed to make the business successful.

In the case of an affiliate marketing program, ask other affiliate marketers about the activities that are critical to their success. Ask these marketers what it takes to get their sites listed in Google. Ask them how they build lists of thousands of eager buyers.

This information will provide you some insights into the day-to-day operations of a successful work from home business owner. Once you are provided the information, the next step is to visualize what you must do to make your business work. Walk a mile in the shoes of the successful affiliate and duplicate their success.

Unless the little operational details of the business are activities that you are comfortable performing, it might be a good idea to accept the fact that you have a learning curve to overcome and start learning. You should not pass on a legitimate work from opportunity just because there are processes that are unfamiliar to you. A work at home opportunity that provides income is worth the extra effort.

Walking in the virtual shoes of a work at home business owner will provide you all the insights that you need to make an informed decision. Whether the business opportunity costs zero or tens of thousands of dollars, the final cost of the business will include non-monetary investments like your time, blood, sweat and tears.

Ken Shorey is owner/webmaster of http://ez-work-at-home.net/. Visit his site for legitimate Work At Home Ideas and Opportunities.

Many folks believe that corporations take advantage of consumers and the population. However, when it comes down to it corporations offer things that people desire and if the customers decide that they no longer desire these things or that the corporation is taking advantage of them then the consumer is free to choose a product or service from any other company. Unfortunately often voters and citizens will ask their government to step in and get involved in free enterprise with over regulation.

The free markets have a way of leveling the playing field and providing competition for those companies and corporations that do not serve their customers. In business there is a little saying; if you don’t service your customers, your competition will. Sometimes it seems that regulators and lawmakers forget this truth. Often when they put in new regulations, the laws be actually create barriers to entry for market participants that might have competed with the companies or corporations which may have taken advantage of the consumers or citizens. Thus, most often the consumers are hurt by the very government agencies to create regulations to help them.

Should the government step aside and let the free markets decide? Some people say that capitalism is problematic because corporations and companies take advantage of the situation. However I would submit to you that the United States of America has succeeded because of capitalism and in spite of the regulation that is forced upon it. If we the people do not stand for free markets and reduced regulations, we will condemn ourselves to the very scenario that we fear most. Please think on this.

“Lance Winslow” - Online Blog Content Service

If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/

What is a mortgage?

A mortgage is a legal instrument that secures a loan for real property and/or land exchanged by the lender to the borrower. This instrument allows both parties (the mortgagor and mortgagee) to benefit over an agreed upon period of time. The mortgagor may purchase the property without having to pay the full amount or value of the property immediately. In return, the mortgagee profits from the loan through the added interest amount as agreed upon by both parties to be paid by the mortgagor. If the mortgage is not satisfied accordingly, the lender may legally foreclose on the property.

Mortgages began with a simple agreement, met by conditions satisfied by the buyer, between the buyer and the seller of the property. Over time, mortgages were modified and rewritten to satisfy the constant demands and changes of the economy.

Prior to the early 1930s when less elaborate programs were generated, insurance companies were in high hopes of gaining ownership of properties. During that period, mortgages were typically paid over a short-term with interest and a lump sum payment after a certain period of time. With the economic crisis and period of the Great Depression, the Federal Housing Association, or FHA, felt it necessary to initiate new programs to help those who couldn’t qualify for mortgages under the existing programs.

The new FHA programs increased opportunities with qualifications based on property values and the borrower’s ability to repay their mortgage(s). Opportunities increased when lenders and privately owned banks and institutions decided to put together their own programs, which are currently based on the guidelines set by the Housing of Urban Development (also known as HUD). These lenders and banks increased its money through the origination of mortgage and its sales on the secondary market.

Mortgage programs are currently divided into 2 different categories (Conventional and Government Loans). They are then classified based on the details and comfort level of the borrowers’ ability to repay the loan. For example, Borrower 1 may have low income or poor credit history, which may qualify them for nothing else but an FHA loan. Their comfort level, based on their income may make them feel that the lowest monthly payment possible is the only way they can purchase the property they need to live comfortably. The loan expert will then classify Borrower 1’s mortgage program as an Adjustable Rate Mortgage, or ARM, after revealing to the Borrower that the only way to stay within her monthly mortgage budget of $1800/mo is to go with an adjustable rate that is fixed for 5 years.

The different program classifications vary from FHA, VA, ARMs, Fixed, and many others. Any loan officer or mortgage specialist can help explain the details of each program classification to you. However, it’s your own knowledge and judgment that determines the right program for you.

Karlyn Katigbak has had years of experience working in different arenas of the mortgage industry from real estate and mortgage sales to processing, underwriting, and making due diligence decisions in the secondary market. She is currently one of the owners of a company that specializes in helping with the rehabilitation of properties during our current foreclosure crisis. In addition, Karlyn also spends a lot of her free time helping borrowers find an alternative to foreclosure as well as finding homes for investors and future homeowners.