Astrology predictions 2011 for people born from 4 to 6 a.m. (Sun in House 1)
You're very proud and have the power to succeed in what you propose. Fully expressed with the characteristics of your Sun sign and be the focus in all of the places you stay. You have strong will, self-confidence and optimism. You will be an outstanding person, extroverted and with great skill to lead others, although you get a bit of selfishness and tendency to exaggerate. Your success is related to the expression of your creativity and the realization of your personal initiatives.
Astrology predictions 2011 for people born 2 to 4 a.m. (Sun in the House 2)
You have the ability to draw money into your life. It's likely that you earn enough by your own efforts and initiatives. You should have a materialistic sense of life you will look very sharp and very attracted to the possessions that represent standing, worth and luxury.
Although the money is coming into your life, it is important that you learn to manage because you sneak out of your hands. Many times you will make purchases or investments or incur unnecessary expenses that you'll regret later. You must learn to share your property and not leave yourself dazzled by the luxurious possessions. This position emphasizes your value scale, whereas concentrating on material things don't neglect your spiritual values and those of others. Your success depends a lot on your personal self-worth, your administrative capacity and relationships with lofty and powerful.
Astrology predictions 2011 for people born from midnight to 2 am (Sun in House 3)
an outstanding mind; you will think very personal and devise solutions to your problems. It is important to study and to grow intellectually because it builds confidence in you. Your success in life is related to your brothers and your cousins: they exert a powerful influence in your life and probably you have a very special attachment to one of them. Because of considerations in your thoughts, you travel a lot and connect with people. On the negative side these influences can lead to being impatient, fickle, boastful or domineering with your opinions.
Astrology predictions 2011 for people born between 10 and 12 p.m. (Sun in the House 4)
Success in life is related to real estate business, or if you're dedicated to something humanitarian, this influence makes you a natural psychologist.
This position of the Sun will certainly improve in the mature stage of your life, making you some full time and great achievements. You feel very proud of yourself and what you have accomplished throughout your life. It's possible that during this time you find a lot of recognition to your work and obtain certain awards or honors.
Astrology predictions 2011 for people born between 8 and 10 p.m. (Sun in the House 5)
Your success is related to any creative, inventive, sports activities, recreation or education, particularly to children. Moreover, that influence brings business success and brings speculative investments that contain risk related to gambling. The Sun in this position brings successful children.
Astrology predictions 2011 for people born 6 to 8 pm (Sun in House 6)
You're hardworking, organized and efficient. You excel in your job by your ability and dedication. You're a perfectionist in everything. Analyze in detail the situations and have the ability to see what no one sees. You need to control the tendency that makes you very critical and always dissatisfied with your love. Although you have a sense of authority, your success will probably be more related to work.
Your interest in health and hygiene of the body can lead to excel in fields related to medication, nursing, dietary or services usually.
Astrology predictions 2011 for people born under the sign of water.
This position may generate timidity and lack of self-recognition, which ultimately will result in disappointments or frustrations in every thing you do.
Astrology predictions 2011 for people born from 4 to 6 p.m. (Sun in House 7)
Your success is related to the associations, the public, justice and the expression of your good manners and personal magnetism. This affect gives you the possibility to win every trial or legal proceedings wherein you find yourself involved.
Astrology predictions 2011 for people born 2 to 4 p.m. (Sun in the House 8)
Your success is related to asset management and other people's money, or making other investments or transactions. In addition, your perception and instinct will take your interest in the occult, the mysteries of life, which makes you inclined to be a researcher. You must learn to trust your hunches and impressions. Throughout your life you will receive property; they might come from an inheritance or marriage.
Astrology predictions 2011 for people born from noon to 2 pm (Sun in House 9)
Your success is related to long journeys, the study of other cultures, languages, philosophy, politics and religion. You feel an urge to know and it will take you travel the world. You will successfully attain your material in a different nation you were born. If you don't definitively settle in another place, make many trips and keep up a correspondence with people abroad. It is doubtless that your father or other family members come from another country.
Additionally, you will have a fantastic sense of justice and, if you study law, can be very good professional. Additionally you can successfully perform as a teacher in any subject. You wish to explore and learn about nature, in addition to abstract ideas. Your religious feeling might be intense and can show a great devotion to your beliefs.
Astrology predictions 2011 for people born from 10 a.m. at noon (Sun in House 10)
You have a great capability to lead others and excel in the professional field. You will put a lot of energy and have a successful career.
You will feel excessive pride, arrogance and strong material ambitions. You will manage to transcend your initial status and achieve greater status and recognition. You feel very comfortable and satisfied with your achievements. You're competitive and will have a firm position of security and authority in your life.
Astrology predictions 2011 for people born 8 to 10 am (Sun in the House 11 )
Your sociability and skill to relate known personalities will lead to important and influential positions, particularly men, that will benefit you in the future. Success in your life is connected with relationships you build and your participation in certain public events. You have friends that would lead you to positions of authority, as managers, directors, governors, etc.
You've big aspirations and perspectives in your life. You are idealistic and are keen to fight to attain what you propose. On the other hand, you perform very well in group activities and turn out to be leader everywhere. You are worried about social issues and would like to know about factors that collaborate with the renovation and improvement of life in your society.
Showing posts with label Time. Show all posts
Showing posts with label Time. Show all posts
Wednesday, June 13, 2012
Monday, June 11, 2012
Business Plan, For Mortgage Professionals, Targeting First Time Home Buyers
The housing market, combined with the recent tax incentive, has created a new target audience for Realtors and Loan Officers. The need for a sales and marketing plan to address education, building relationships, and communication will generate increased business for the Loan Officer and Realtor to provide assistance to first time home buyer.
The housing downturn has created significant demand for homeownership, especially among first-time home buyers (FTHB), according to a survey on Realtor.com. That is great news for the real estate market, but there are some significant challenges that Realtors and Mortgage Professionals will face.
First challenge: Looming Deadline with NO PLAN
November 30th, 2009 is the date the tax credit goes away. That's 5 months from the day this article was written, which seems like a long time but the reality is that it will be here before we know it. Those who plan on taking advantage of this opportunity need to have a well thought out, fool-proof plan to execute. The sad reality is that people have been/were so busy with refinance business that they didn't have time to build a plan. Others are starving for direction and want a plan but don't have the "know-how" to build one. A strategic sales and marketing plan includes tactics that keep your plan within the necessary timeline.
Second challenge: Weak Relationships
FTHBs are tricky and require a strong relationship and good communication between the Realtor and Loan Officer. As a result of the recent low interest rate environment or "mini refi-boom, mortgage companies focused much of their efforts and time on capturing the refinance opportunities, not building relationships with Realtors. The result: many Realtors were left unattended. Relationship marketing tactics are needed to generate a successful partnership to meet this challenge.
Third challenge: Weak Value Propositions
Everyone knows that Loan Officers need to partner with Realtors but the question is , "why would they partner with you?" Good service and low rates are overused clichs and don't differentiate. Relationships are great, but at the end of the day the relationship needs to lead to "value creation" for both parties for it to be sustainable. A sales marketing plan will outline the strategy needed to create value for the Loan Officer and Realtor.
Fourth challenge: Education Gap
The Obama administration is hoping that a recently enacted tax credit can generate housing demand and help mop up the existing unsold inventory. But according to a survey by Move, Inc.--which operates Realtor.com--nearly half (47%) of home buyers don't even know the tax credit exists! A marketing communication plan is needed to target the first time home buyer educating them about this tax incentive.
Fifth challenge: Fear in the Marketplace
-52% of Americans are concerned that they or someone they know will face foreclosure in the next six to 12 months.
-18.9% (one out of five) of homeowners plan to take advantage of the administration's new program to help prevent foreclosures.
-21% of all homeowners with a mortgage contacted a lender to restructure their loan in the last 12 months.
-Half (10.6%) of those homeowners that contacted their lender experienced success while 5% still await an answer.
-27.1% of adults believe that they or someone they know may default on their mortgage because of unemployment or because they owe more on their home than it's worth.
I won't even begin to mention the media's contribution to this fear. The reality is that people are scared and need guidance. The question is , "who will they trust?" They will trust those whom they have a strong relationship with and/or those who have unshakeable credibility. To meet this challenge create a marketing plan that brands you as experienced in your field and a knowledgeable professional that can be trusted.
The good news in all of this is that there is a ton of opportunity out there. Take a look at the statistics of when Americans are planning on buying:
-23% of all adults plan to purchase a home in the next five years
-5.8% within next 12 months,
-12.8% within the next two years
Here is the opportunity -
First-time Home Buyers make up over half (53.5%) of the market, and the government is offering them an ,000 tax credit to purchase a house. But here's the kicker: 47.6% of Americans don't know about the tax credit! That's almost half the American population! What this means to you is that a lot of people want to buy a home in the next 12 months and most of them are FTHBs who aren't even aware of a huge incentive (,000 tax credit).
Okay, so now you see the opportunity, and the question that should be going through your mind is, "how do I maximize this opportunity given the challenges outlined above?" Great question!
This is a great opportunity and the Million Dollar Challenge was created to assist Mortgage Professionals and Realtors to take advantage of it. The Million Dollar Challenge is a call to action and a business plan example to help First Time Home Buyers receive ,000,000 in tax credits.
The housing downturn has created significant demand for homeownership, especially among first-time home buyers (FTHB), according to a survey on Realtor.com. That is great news for the real estate market, but there are some significant challenges that Realtors and Mortgage Professionals will face.
First challenge: Looming Deadline with NO PLAN
November 30th, 2009 is the date the tax credit goes away. That's 5 months from the day this article was written, which seems like a long time but the reality is that it will be here before we know it. Those who plan on taking advantage of this opportunity need to have a well thought out, fool-proof plan to execute. The sad reality is that people have been/were so busy with refinance business that they didn't have time to build a plan. Others are starving for direction and want a plan but don't have the "know-how" to build one. A strategic sales and marketing plan includes tactics that keep your plan within the necessary timeline.
Second challenge: Weak Relationships
FTHBs are tricky and require a strong relationship and good communication between the Realtor and Loan Officer. As a result of the recent low interest rate environment or "mini refi-boom, mortgage companies focused much of their efforts and time on capturing the refinance opportunities, not building relationships with Realtors. The result: many Realtors were left unattended. Relationship marketing tactics are needed to generate a successful partnership to meet this challenge.
Third challenge: Weak Value Propositions
Everyone knows that Loan Officers need to partner with Realtors but the question is , "why would they partner with you?" Good service and low rates are overused clichs and don't differentiate. Relationships are great, but at the end of the day the relationship needs to lead to "value creation" for both parties for it to be sustainable. A sales marketing plan will outline the strategy needed to create value for the Loan Officer and Realtor.
Fourth challenge: Education Gap
The Obama administration is hoping that a recently enacted tax credit can generate housing demand and help mop up the existing unsold inventory. But according to a survey by Move, Inc.--which operates Realtor.com--nearly half (47%) of home buyers don't even know the tax credit exists! A marketing communication plan is needed to target the first time home buyer educating them about this tax incentive.
Fifth challenge: Fear in the Marketplace
-52% of Americans are concerned that they or someone they know will face foreclosure in the next six to 12 months.
-18.9% (one out of five) of homeowners plan to take advantage of the administration's new program to help prevent foreclosures.
-21% of all homeowners with a mortgage contacted a lender to restructure their loan in the last 12 months.
-Half (10.6%) of those homeowners that contacted their lender experienced success while 5% still await an answer.
-27.1% of adults believe that they or someone they know may default on their mortgage because of unemployment or because they owe more on their home than it's worth.
I won't even begin to mention the media's contribution to this fear. The reality is that people are scared and need guidance. The question is , "who will they trust?" They will trust those whom they have a strong relationship with and/or those who have unshakeable credibility. To meet this challenge create a marketing plan that brands you as experienced in your field and a knowledgeable professional that can be trusted.
The good news in all of this is that there is a ton of opportunity out there. Take a look at the statistics of when Americans are planning on buying:
-23% of all adults plan to purchase a home in the next five years
-5.8% within next 12 months,
-12.8% within the next two years
Here is the opportunity -
First-time Home Buyers make up over half (53.5%) of the market, and the government is offering them an ,000 tax credit to purchase a house. But here's the kicker: 47.6% of Americans don't know about the tax credit! That's almost half the American population! What this means to you is that a lot of people want to buy a home in the next 12 months and most of them are FTHBs who aren't even aware of a huge incentive (,000 tax credit).
Okay, so now you see the opportunity, and the question that should be going through your mind is, "how do I maximize this opportunity given the challenges outlined above?" Great question!
This is a great opportunity and the Million Dollar Challenge was created to assist Mortgage Professionals and Realtors to take advantage of it. The Million Dollar Challenge is a call to action and a business plan example to help First Time Home Buyers receive ,000,000 in tax credits.
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