Archive for the ‘Wealth’ Category

Success Email Marketing Program - Sign up now and save

Success Email Marketing

 

Looking for a way to improve your sales and communication simply via email?  As a benefit of being a part of my email list, here’s a limited time opportunity for you to learn from the best!  Read on to find out what my business partner, Leo Ramos of BodyMindSuccess.com had to share with you.

I am committed to keeping this description simple and without hype.  If you are reading this, it is because you probably already understand the power and the importance of effective email marketing.  Thus, creating any type of hype would undermine what I’ll be sharing with you in this page.

The purpose of this email is to share a training called “Success Email Marketing” that is being provided by Body Mind Success Coaching in a webinar format (don’t know what a webinar is?  Click here to learn more, but in simple terms it is a training done online via the internet).

Over the last 6 years I’ve had the great opportunity of having my bumps and bruises while learning about successful email marketing.  Though, there is always something new to learn, I have learned quite a bit about successful email marketing that is not often shared with others.  If it is shared, it is often not shared in “Plain English”.

My goal: To share all that I know about successful email marketing, and to share it in plain English within a 10 week training via webminars.

My ideal outcome is that by the end of this training you know how to successfully send out your own branded emails, take the guesswork from your results, and making the use of email become an effective tool to help you grow your business.

What will be covered in this training?  Here are a few bullet points

  • Most effective methods of sending emails and why
  • How to track your results, and stop the guesswork
  • How to use linking effectively in your emails
  • Branding your email marketing with your company’s image
  • Tips on what to do and more importantly what NOT to do
  • How to grow your GOLDMINE (your database) automatically
  • How to use your email to increase your web-visibility
  • Automation, automation, and automation to free up more time for you
  • And much more

Before I go any further, allow me to address some frequent and basic questions.  To make this process easier, I’ve posted the questions below and a link to their respective answers.

  1. How much is the investment for this training?
  2. I’m ready to register, how do I sign up?
  3. When do the classes take place?
  4. What if I can’t make the class on any scheduled day?
  5. Are there any pre-requisites for this training?
  6. Are there any required materials for this training?
  7. I’m not very good with technology, should I take this course?
  8. Will I be able to review the material?

1. How much is the investment for this training?

The investment for this training is only $249 for the entire training
at this time, and it will be going up in price within the next year.

Return to FAQs (frequently asked questions)

2. I’m ready to register, how do I sign up?

There are several ways you can enroll in this training

  • The simples one is through our secure server online, PRESS HERE to enroll.
  • You can enroll via phone at                (858)538-2622        

Return to FAQs (frequently asked questions)

3. When do the classes take place?

The schedule for each class can be found on Body Mind Success Calendar.  Press here to go directly to the calendar.

Note: This class is being turned into a completely online training and this will be one of the few times it will be offered as a live webminar training.  If you prefer having a live person training (along with the recordings) then this is one of the only times this option will be available.  From then on, the training will be available whenever you choose to enroll and go through the training.

Return to FAQs (frequently asked questions)

4. What if I can’t make the class on any scheduled day?

Another good question.  Since every training is being recorded, you will have access to all these trainings and will be able to download them for your convenience.  You’ll be able to review the material as many times as you’d like to ensure that you get it.  Being present in the class allows you to ask your questions, but if you happen to miss one then you still get the content of the class.

Return to FAQs (frequently asked questions)

5. Are there any pre-requisites for this training?

Just the desire to learn how to do Successful Email Marketing.  Though I will be using a particular service that I’ve personally used for years (www.Easy1ShoppingCart.com) as a primary vehicle to show the concepts, it is not required for you to use the same tool.  If you already have a tool that you use, great, the concepts can be applied to it.  If not, then I’ll share various options you can use, depending on your needs.

Note: I guess there is one pre-requisite, for your viewing convenience please make sure you connect via DSL or higher internet connection.  Otherwise viewing the live training may become difficult for you.  But remember, you get the recordings anyway.

Return to FAQs (frequently asked questions)

6. Are there any required materials for this training?

Again, the only “requirement” is that you are actually able to view the training.  Thus, a decent internet connection is suggested.  The Easy1ShoppingCart.com tool I’ll be using is one of many available out there, but it has stood the test of time with me for well over 5 years.

Return to FAQs (frequently asked questions)

7. I’m not very good with technology, should I take this course?

Perfect!  My intent is to support and help empower anyone interested in the topic.  I am committed to speaking in “Plain English” so that everyone can get it.  Having been in the teaching/training industry for over 15 years I feel very confident in helping even the most novice of users (and I have).  On top of that, remmeber that you get the recorded trainings to review as many times as you need to truly master the content.

Return to FAQs (frequently asked questions)

8. Will I be able to review the material?

At the risk of being repetitive, YES!  You get to download & review the materials for as long as you’d like to make this work for you.

DISCOUNT CODE TO SAVE BEFORE IT FILLS UP! 
As a benefit of being a part of Lois’ network, I am giving you a limited time only discount savings of $150.  The class is normally $249, however, with this discount code I am giving you, you can get all of this education for only $99!

Here is the discount code:  SEMWT

Once the 25 have registered, the price will go up.

Here’s to your email success marketing!

Leo Ramos

www.BodyMindSuccess.com

Friday, December 19th, 2008

63 Gift Ideas For Under $10

For those of us looking for economical Christmas/holiday gifts, check this list out and see what looks good for you!  Contributed by Michelle Jones, online writer. 

Living a Better Life
(featured column… from the editor’s desk)

63 Gift Ideas for Under $10 - For Any Occasion of the Year!
by Michelle Jones

Stop!  Before you go out and spend hundreds of dollars (or thousands!) on Christmas presents, read through our favorite list of inexpensive gift ideas.  This column has been a favorite among our readers since it was first published in 2001.  We hope it will help you find that perfect gift for everyone on your list, while spending less!

These frugal gifts are great for any occasion all throughout the year, including Christmas, birthdays, anniversaries, Valentine’s Day, Mother’s Day, Father’s Day, end-of-school teacher gifts and more.  They also make great hostess gifts during the holidays.  

There are hundreds of great gifts that can be purchased or made by hand for under $10, gifts that are both thoughtful and frugal at the same time.  Put them in an inexpensive basket or wrap them with a pretty ribbon and you’ll truly have a beautiful gift–without breaking the bank! 

I know you’ve probably heard it before but it’s really true that you don’t have to spend a lot of money to find that perfect gift for someone.  Just be sure to put some time and thought into it and your gift will be well received…  

Our loved ones probably appreciate our time and love more than anything. 

Here’s a few of my favorite inexpensive gift ideas…

 1. Gourmet coffees with a personal coffee cup
 2. Pound of pistachios
 3. Child’s artwork, framed
 4. Journal with special inscription inside
 5. Teacup with box of herbal tea
 6. Deck of cards and book of card game rules
 7. Homemade cocoa mix in a pretty jar
 8. Collage of special photos
 9. Gel pens and pretty stationary
10. Bottle of sparkling cider
11. Home baked bread, include recipe
12. Disposable camera or rolls of film
13. Basket filled with deli cheese and fruit
14. Craft supplies
15. Holiday serving bowl or platter
16. Pretty basket filled with special jams or mustards
17. Decorative napkins and napkin rings
18. Fancy chocolate bars tied with a ribbon
19. Gardening gloves with a plant or flower seeds
20. Photo album, hand decorated is even better
21. Makeup tote
22. Prepaid photo developing envelopes
23. Homemade cookie mix with instructions for baking
24. Variety of bread mixes
25. Special coffee cup filled with candy
26. Fancy magazines tied together with a pretty ribbon
27. Gourmet popcorn and flavored oil
28. Locally made barbeque or steak sauce with basting brush
29. Pancake or waffle mix and a bottle of real maple syrup
30. Movie theater gift certificates
31. Board games
32. Jar of sourwood or pure honey with biscuit mix
33. Note cards and book of stamps
34. Picture frames, buy them on sale!
35. Specialty cookbook
36. Pretty glass jar filled with candy
37. Collectible sports cards
38. Muffin mixes with muffin pan
39. Books, there are still a few for under $10
40. Set of dish towels and dish cloths
41. Nail polish kit
42. Pretty night shirt
43. Basket filled with kitchen gadgets
44. Video rental gift certificates
45. Pepper mill and fresh peppercorns
46. Handwritten copies of your favorite recipes
47. For the pets, gourmet dog biscuits or cat treats
48. Baking pans and supplies
49. Prepaid long distance phone cards
50. Small clock or radio
51. Pretty box for keepsakes
52. Colorful Post-It notepads
53. Address book
54. Christmas ornaments
55. Puzzles
56. Blank video or cassette tapes
57. Sewing supplies
58. Flashlight with batteries
59. Favorite quote embroidered on a nice handkerchief
60. Makeup brush set
61. Expensive socks, still under $10
62. Special soaps and bath puff
63. and don’t forget my absolute favorite… home baked cookies!

I hope you will be inspired by this list, after all, it’s not the amount of money you spend for a gift that matters the most, but that you cared enough to give something special.

Wednesday, December 17th, 2008

The 12 Pillars That Constitute Enduring Riches

Here is a contribution from my friend and colleague, Alan Lavitt (www.alanlavitt.com), in response to my article last week entitled, “The American Dream Has SHIFTed”.  Thanks Alan!  This is a great message!

I liked the write-up on “The American Dream has SHIFTed”.  For me as of today, my American Dream follows, this is from Napoleon Hill’s book “Think And Grow Rich“, it is entitled the 12 Pillars that constitute Enduring Riches” or I feel the “REAL” American Dream… 1.      Positive Mental Attitude – “Observe that it heads the list”2.      Sound Physical Health3.      Harmony in Human Relations4.      Freedom from Fear5.      Hope of Future Achievement6.      Capacity for Applied Faith7.      Willingness to Share ones Blessings with Others8.      To be Engaged in a Labor of Love9.      An open mind on all subjects toward all people10.  Complete Self Discipline11.  Wisdom with which to Understand People12.  Financial Security – “Observe; with great benefit, that money comes at the end of the list of the twelve things that make men rich”

Tuesday, October 28th, 2008

The American Dream Has SHIFTed

When I sold real estate full-time as a career for several years, I was always telling my clients or even hearing other homeowners say, “Buying a home is living the American Dream!”

I don’t know when/where this phrase originated or who first coined it, however, it took off and has stayed a part of “Americana” as much as apple pie and the Stars & Stripes.

Admittedly, not having been married with a family of my own, I purely saw home purchasing as an investment to create financial wealth (hence why this has fallen into my wealth category this week in my newsletter).  I would have renters in my properties and/or purchase fixer uppers to eventually rent or sell immediately.  That was my use of the “American Dream”.

Yet as I look around today at the housing market, the economy, the mortgage banks closing left and right, the amount of foreclosures increasing every month (steadily so for the past two years) all over America…..I believe the American Dream has slightly been tainted, if not refocused - or as I am sharing today - SHIFTed in the minds of Americans (I’ll explain what this means in a bit).

I don’t believe buying a home is the real American Dream.   In fact, I don’t think it ever really has.  That was just something that somebody bought into long ago, maybe as a sales pitch from someone who thought it was a great way to get into the minds and hearts of those purchasing real estate.   And it worked - hook, line and sinker.

What people really want today (and what I believe they have always wanted and what the real “American Dream” is) is security.   Sure, one can argue, that a home can provide that.  However, as people wonder if they even have a home tomorrow, or a paycheck, or a job or their health…..is it really a home that will give them that “feeling” of security.  I think not.

People are abandoning their homes in droves these days and saving what little money they have, not to save their home, but rather to find an apartment to put first and last month’s rent on.  This I found out as fact according to my good friend and colleague, Alan Rhein, mortgage expert and loss mitigation supporter for those going into foreclosure.

Does that sound like the “American Dream” to you?

America is experiencing a SHIFT right now.

What is this SHIFT?

It is simply this: 

Super/Supernatural
Heightened
Instant
Focus
Transfer

People’s focuses have suddenly changed.  Shifted into a new gear of sorts.  The transfer, for most, has been immediate.   Some may have seemingly even been supernatural - seemingly out of this world, inconveivable.   No control could be maintained on your end.

People are scrambling to maintain their securities in this life, this human existence, so they can feel safe, so their families can feel secure, so at the end of the day, they have a place to sleep at night (whatever form that may come in these days), food on the table and some form of income coming in (and this, too, may not come in any normal form they had been accustomed to).

Yes, America is experiencing a SHIFT that hasn’t been felt this deeply, since reportedly the Great Depression.

How are you feeling this SHIFT?

I would love to hear how you are sorting through your life at this time.  

How has your definition of the ”American Dream” transformed? 

What super/supernatural experiences have you been having as a result of this change/shift? 

I don’t believe that not one single person, no matter how much of a positive thinker you are, no matter how much money you may have (or had), you are affected in some way.  If not directly, then indirectly.

Feel free to write to me and share your story.  I am compiling another ebook, possible book, that tracks these times and would be honored to have your SHIFT shared.  There will undoubtedly be many amazing comeback stories and life changing/enhancing transformations.

I wish you well on this journey of SHIFTing times. 

Wednesday, October 22nd, 2008

How To Raise Your Sales IQ

Hello,  Here’s an important book designed to raise your “sales IQ.” If you don’t yet have this book, you owe it to yourself to get it. For a limited time, you also get $3,000 worth of bonus sales tools. Don’t miss this deal! All the best,  

Yours in Transformational Success,

Lois Tiedemann

  Let’s face it, selling isn’t rocket science. It’s harder … To penetrate space, scientists need master only the immutable laws of mathematics and physics. Simple. So simple, in fact, the basics are taught in high school. Selling, on the other hand — prospecting, pitching, negotiating, closing and more — demands understanding the dynamics of the human mind and how to influence the myriad forces that inform its decision-making. Obviously, to succeed you have to know what you are doing! This book will transform you from a sales person with an average sales IQ (and income) to a brilliant top dog producer. Top Dog Sales Secrets is packed with real-life examples, successful scripts, and powerful, proven advice to rapidly increase your sales. You’ll learn how to: 

  • Double your income by changing a few words
  • Grab your prospect’s interest in 15 seconds or less
  • Sure-fire ways to beat the price objection
  • Leave voicemail messages that have prospects calling you
  • Read your prospect in 60 seconds or less
  • Be the big winner at the negotiating table
    and much more!



 Get your copy today and get $3000 in bonus sales tools!
 You are guaranteed to increase your sales IQ with this remarkable book! Get your copy today. It’s a genius move for your organization and your career. Click Here To Get Smarter   P.S. When you get your copy today, you’ll receive immediate access to over $3,000 worth of bonus sales tools from top sales and business growth leaders. You’ll get downloadable e-books, complimentary access to tele-seminars, audio programs, trial memberships, special reports and white papers. Take a look at your complimentary bonuses here.  

Tuesday, October 14th, 2008

Investment Tips For Year End 2008

Courtesy of my good friend, mortgage guru/debt repair expert, Alan Rhein.
Thank you Alan for this GREAT and timely advice for my wealth. 
If anyone is offended by reading this, please accept my apologies in advance.  Not hear to offend anyone, just inform.
 

For all of you with any money left, be aware of the next expected
Mergers so that you can get in on the ground floor and make some BIG bucks.

Watch for these consolidations in 2008:

1.) Hale Business Systems, Mary Kay Cosmetics, Fuller Brush, and W. R.
Grace Co. Will merge and become: Hale, Mary, Fuller, Grace.

2.) Polygram Records, Warner Bros ., and Zesta Crackers join forces and
Become: Poly, Warner Cracker.

3.) 3M will merge with Goodyear and become: MMMGood.

4. Zippo Manufacturing, AudiMotors, Dofasco, and Dakota Mining will merge
And become: ZipAudiDoDa .

5. FedEx is expected to join its competitor, UPS, and become: FedUP.

6. Fairchild Electronics and Honeywell Computers will merge together to
Become: Fairwell Honeychild.

7. Grey Poupon and Docker Pants are expected after their merger to
Become: PouponPants.

8. Knotts Berry Farm and the National Organiz ation of Women will merge
And become: Knott NOW!

And finally….

9. Victoria ’s Secret and Smith & Wesson will merge and do business
Under the new name: TittyTittyBangBang

Hope you enjoyed the Chuckle for the day…

Tuesday, October 7th, 2008

Amendment May Affect 1031 Exchange Planning

Are you a real estate investor who uses the 1031 Exchange benefit to save on taxes?
There has been some changes made in our real estate/housing market due to the economy and mortgage crisis (a.k.a. “opportunity”) in our nation right now.
Read on in an article contributed by my client/friend, Peter Hampson, Century 21 Beachside Realtor in San Clemente, CA. 
If you have any questions regarding this article, please contact Peter at 949-492-2729.
 

Ammendment to §121 may affect §1031 Exchange Planning

The Housing Assistance Tax Act of 2008, signed by President Bush on July 30, 2008, includes a modification to the Section121 exclusion of gain on the sale of a primary residence.  This modification may affect taxpayers who exchange into a residential property, and then later convert the property to a personal residence, as explained below.

Under Code Section 121, a taxpayer can exclude up to $250,000 ($500,000 for married couples filing jointly) of gain realized on the sale of a principal (primary) residence if they have owned and occupied the residence for two years during the five year period preceding the date of sale.  Gain related to depreciation deductions taken on the property since May 6, 1997 is not eligible for exclusion.

Effective January 1, 2009, the exclusion will not apply to gain from the sale of the residence that is allocable to periods of “nonqualified use.” Nonqualified use refers to  periods that the property is not used as the taxpayer’s principal residence.  This change applies to use as a second home as well as a rental.

How does this affect 1031 planning?  Suppose the taxpayer exchanged into the residence and rented it for three years, and then moved into it and lived in it for two years.  The taxpayer then sold the residence and realized $300,000 of gain. Under prior law, the taxpayer would be eligible for the full $250,000 exclusion and would pay tax on $50,000. Under the new law, the exclusion would have to be prorated as follows (the example does not take into account deprecation taken after May, 1997, which is taxable anyway). 

  • Three-fifths (3 out of 5 years) of the gain, or $180,000, would be ineligible for the $250,000 exclusion. 
  • Two-fifths (2 out of 5 years) of the gain, or $120,000, would be eligible for the exclusion. 

Importantly, nonqualified use prior to January 1, 2009 is not taken into account in the allocation.  Thus, suppose the taxpayer had exchanged into the property in 2007, and rented for 3 years till 2010 prior to the conversion to a primary residence. If the taxpayer sold the residence in 2012 after two years of primary residential use, only the 2009 rental period would be considered in the allocation.  Thus, only one-third (1 out of 3 years) of the gain would be ineligible for the exclusion. 

The allocation rules only apply to time periods prior to the conversion into a principal residence and not to time periods after the conversion out of personal residence use.  Thus, if a taxpayer converts a primary residence to a rental, and otherwise meets the two out of five year test under Section 121, the taxpayer is eligible for the full $250,000 exclusion when the rental is sold.  This rule only applies to periods after the last date the property is used as a principal residence.  Therefore, if the taxpayer used the property as a principal residence in year one and year two, then rented the property for years three and four, and then used it as a principal residence in year five, the allocation rules would apply and  only three-fifths (3 out of 5 years) of the gain would be eligible for the exclusion.  

Tuesday, September 23rd, 2008

Mortgage Crisis - Loss Mitigation Can Save Your Home

With over 4 million homeowners either struggling to make their monthly house payment or going into foreclosure, our country is doing everything it can to balance out this “opportunity” we find ourselves in.

With the Government’s recent overtaking of Fannie Mae and Freddie Mac, there is hope that better times are ahead.

In the meantime, what can YOU do to be proactive and save your home?

Having gone through foreclosure myself, I can be a living testimony that, Yes, there is life after foreclosure AND you don’t have to lose yourself in finding ways to recover and create normalcy in your life again. 

 

I have access to an attorney driven company that services distressed homeowners in 41 states.  
This company specializes in helping people find alternatives to foreclosure and the loss of their home.  Their objective is to make sure that you realize no matter how bad your situation has become, it may be possible to avoid foreclosure if you take PROMPT ACTION!

Together, you may be able to resolve your delinquency without a foreclosure or sale of your home.  No one succeeds alone!  Even in the mortgage and foreclosure process.

 

The loss mitigation services include loan modification: Lenders may agree to modify the terms of your loan, such as reducing monthly payment amounts, reducing the loan balance, or the interest rate, or fixing an adjustable interest rate.

 

Homeowners do not need to be late in order to assist them with a loan modification.  If you are taking money from your savings and are about to run out, eventually you will not be able to make the required mortgage payment.  If you take a proactive approach we can help you save your home and credit. If your income has been cut in half, your business has slowed down, illness in the family, you are upside-down on your property, we can help.

 

You do not have to have good credit or equity in your property. 

If you, or someone you know, wants help at this time, don’t hesitate to contact me at 949-940-0399 or Lois@TransformedTriathlete.com and I will connect you with the resources to help you.  If nothing else, I can also lend you a listening ear as one who has gone before you and knows what it feels like to be where you are.

 

Here’s to you!

Tuesday, September 9th, 2008

The Truth About FHA Mortgage

A great article from my colleague and mortgage contact, Bruce Dippong.  There are a lot of reports out there about what is going on in the mortgage industry and you might be wondering which one to believe.  Here is one more update that may very well just be closer than most.  I’ll let you be the judge.

Lots of rumors, lots of news, lots of speculation…. Here is what we have been told from our sources up to now on the Housing bill. Please understand that these are NOT set in stone and have NOT been finalized. We just want you to know what we are being told up to this point.• 3.5% minimum cash investment for FHA loans (gifts allowed from family members, unions, state and local bond programs, etc).
• Seller-funded DPA to end, credit approval required by 9/30/08
• 12 month moratorium on FHA risk-based ) as the new FHAJpremiums effective 10/1 (this should be an insuring nightmare  risk-based premiums went into effective on Monday 7/14.
• Streamlined approval process for FHA condos
• No change to FHA approval requirements (no surety bond in lieu of audited financials as has been lobbied by the Mortgage Brokers Association)
• Nationwide licensing system for loan originators (this is NOT a bad thing if it passes!)
• FHA ceiling at over $700,000 for Orange County/Los Angeles; ceiling for Fannie/Freddie at $625,000 (again, NOT set in stone yet!)
• VA should have equivalent guaranty to raise limit to $625,000 (from $417,000- again, NOT set in stone yet!)

As mentioned nothing has been set in stone, but changes may be happening sooner than expected. 

Questions, concerns, thoughts? 

Bruce Dippong

Senior Mortgage Planner

iQuest Mortgage

949-888-4485  office

949-842-1090  cell

714-242-9931  fax

P.S.  IF you would like information regarding an 18 page report we have put together for you and your prospective clients please contact Bruce.

Tuesday, August 19th, 2008

KeepUsInOurHome.Com

If you, or someone you know is facing the loss of their home because the mortgage is re-adjusting, through foreclosure or short sale here is a resource that can keep them in their home. 

Gateway International developed a program for families who have nowhere else to turn. Instead of losing their homes because they can no longer afford re-adjusting loan payments or are close to foreclosure and sale, this program offers an extraordinary opportunity for a fresh financial start without being encumbered by a foreclosure, delinquent property taxes, bank costs and fees, a mortgage paid short on their credit or income tax liability from a short sale. Most homes have lost a significant portion of their value. In combination with higher costs of living, more difficult loan guidelines and higher interest rates homeowner’s can no longer qualify for affordable loan payments to resolve their situations. 

Owners with higher house payments from re-adjusting loans often pay one month and skip the next just to stay in their homes a few months longer.  Some work 2 and 3 jobs to stay ‘even’. Many live on credit cards, making their situation much worse. Increasing numbers are at high risk of losing their home because they are 30, 60, 90 and more days late. It is blatantly clear that banks are in serious trouble, yet seem to have no interest in working to fix the problems they helped create!    Gateway International’s programs are ‘outside-the-box’ legal and ethical solutions offered to families who do not want foreclosure or a paid short mortgage on their credit report. Our website explains Gateway’s programs and describes how families can stay in their homes and regain their financial footing by getting completely out from under the burden of a maxed out and upside-down mortgage.

Visit our website for more information: www.KeepUsInOurHome.com 

Wednesday, August 6th, 2008